vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Ford received my final payment for FULL AMOUNT OF CONTRACTUAL PRINCIPAL PAYMENT OF CAR LOAN ( {$750.00} ) XXXX Ford XXXX XXXX XXXX XXXXXXXX by Check on their website ( set up XXXX XXXXXXXX Ford credit reported my account as a CHARGE OFF ( INACCURATE as principal of loan was paid. Also Fords computer system reports deferred payments as 30 days late to credit bureaus. I want all these inaccurate information REMOVED from all credit bureaus ( last 24 months ) ALSO TILTLE OF AFOREMENTIONED VEHICLE SENT TO MY UPDATED ADDRESS AT ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a car loan customer with Fifth Third Bank and have been experiencing significant issues with their services that have affected my ability to manage my loan properly. 

1. **Failure to Provide Statements** : I have not been receiving regular car loan statements, which are essential for tracking my payment history, remaining balance, and due dates. This has caused confusion and inconvenience in managing my loan.

2. **Technical Issues with Payment System** : The banks mobile app and online account system have technical problems that prevent me from making direct payments to my loan account. Every time I try, the system either fails or does not process the payment successfully. As a result, I am forced to call or chat online with their representatives to make payments, which is time-consuming and frustrating.

3. **Impact on Me** : These issues have disrupted my ability to make timely payments conveniently and added unnecessary stress to my financial management. I am concerned about potential late fees, credit score damage, and the overall inconvenience caused by the bank 's failure to provide proper services.

**Actions Taken by Me** : - I have reached out to Fifth Third Bank multiple times to report these issues and request solutions, but the problems persist. 
- I have made payments through alternative methods ( phone calls or online chat ), but these are not convenient or efficient solutions. 

**Actions by the Bank** XXXX - The bank has not resolved the technical issues or provided a long-term fix. 
- They have also failed to send loan statements regularly. 

**Dates and Amounts** : - These issues have been ongoing for several months. Specific dates and amounts of payments can be provided if necessary. 

I am requesting that Fifth Third Bank : 1. Immediately provide all statements for my car loan.

2. Fix their technical issues to ensure that I can make payments directly and without difficulty.

3. Address any fees, charges, or negative credit reporting that may have resulted from these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
after reviewing my credit report i notion that XXXX XXXX XXXX has been deleted off my credit report with XXXX but it is still showin on my transunion and experian. The buearu has failed to update my report with the accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I signed up with Lexington law In 2018 and was with them for a couple of years. Their upfront charges and fees monthly became too much for me and I had to cancel after a couple of year

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
During the term of the lease agreement in my monthly payment was an extra/additive optional charge, I agreed to and paid, to cover " Excess Wear and Use '' This was paid monthly ongoing for duration of the lease to protect me from excess wear and use charges at the end of the lease term. At the end of a lease term Toyota Financial sent me a bill for {$20000.00} for " excess wear and use. '' I disputed and sent them a copy of the page in my signed lease indicating I had paid for this extra coverage during the term of the lease. Toyota NEVER responded. They instead sent this amount to collection via XXXX XXXX XXXX. I then submitted my documentation and copies of my attempts to communicate with Toyota Financial to XXXX XXXX Solutions, I never heard from them either. In reviewing my most recent credit report I found that Toyota Credit Corp had posted this to my credit report as a " default, '' negatively impacting my credit profile and credit score

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard and soft inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquires and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and it's negatively affecting my financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard and soft inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquires and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and it's negatively affecting my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
On XX/XX/XXXX, I made a purchase in XXXX using my JetBlue Business Credit Card, which was classified as a cash advance, resulting in an initial cash advance fee. Despite paying my balance in full on XX/XX/XXXX, I have been charged a recurring cash advance fee every month since then. Each month, I contacted Barclays customer service, and while they acknowledged the error and credited the fee, the issue persisted. In XXXX, a representative escalated the matter by filing a ticket to resolve it ; however, the fee appeared again on my XX/XX/XXXX, statement. This ongoing issue has been occurring for five months, causing significant inconvenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
XXXX XXXX XXXX account is not acurete on the deut info. 
I have attached complain letter to prove this account is inacurate and need to remove from my experian and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
Found out this company not only doesn't have a licence to do payday loans in my state of Illinois, but their apr, and loan amount far exceed that of what Illinois allows.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Removal of Negative Reporting from Credit Bureaus Dear CFPB Team, I hope this letter finds you well. I am writing to formally request your assistance regarding negative reporting on my credit report that I believe is unjust and detrimental to my financial well-being. 

My name is XXXX XXXX XXXX, and my Social Security Number is XXXX, last four digits : XXXX. I have been monitoring my credit reports from the XXXX XXXX  credit bureausXXXX Equifax, and XXXX have identified negative entries that should be removed. 

I am upset due to the XXXX negative reports on my credit from all XXXX reporting agencies. For example, I have a Collection/Charge off from XXXX XXXX XXXX for the month of [ XXXX, XXXX ], which I believe is inaccurate due to 15 USC 1681b I have taken steps to resolve this issue directly with the creditors involved, including multiple letters and calls. Despite my efforts, the negative reporting remains on my credit file, adversely affecting my credit score and ability to secure loans. 

According to the Fair Credit Reporting Act ( FCRA ), I can dispute inaccurate or incomplete information in my credit report. I kindly ask for your guidance and intervention in this matter to facilitate the removal of these negative entries from my credit reports. 

I appreciate your attention to this matter and look forward to your prompt response. Please contact me at XXXX or email me at XXXX if you require any additional information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX ID : XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX SSN : XXXX Phone : ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Re : Dispute error on consumer report Dear checking account reporting company, I am writing to request an investigation of the following information that appears on my checking account consumer report : - XXXX/Account No : XXXX / XXXX - Source of dispute information : BANK OF AMERICA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Type of disputed information : Reported information as attached - Dates associated with item being disputed : XX/XX/XXXX - Explanation of item being disputed : The report shows that I was suspected of fraudulent activity when in fact, I was the victim of a scam not the perpetrator. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX. XXXX Customer Data Breach ( Case XXXX ) I have been impacted by XXXXXXXX XXXX XXXX XXXX XXXXXXXX, ( ID Theft XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The accounts are : XXXX XXXX : # XXXX, Balance : {$5500.00}, Open Date : XX/XX/year> XXXX XXXX : # XXXX, Balance : {$9200.00}, Open Date : XX/XX/year> I have attached to as well : XXXX Data Breach Impact Notice ; NC government-issued ID ; Utility Bill ; Identity Affidavit ; FTC Report XXXX Self-Attestation Form ; Affidavit of Truth. 
ThXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Data Breach, as I am a consumer along as being a rewards member of XXXX, has affected my business credit report, as i just found out about the XXXXXXXX XXXX I am seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted XXXX agencies to assist me with this matter. My consumer rights have been tarnished and violated. Trans Union has reported the negative information on my credit file without my consent. I have never signed any application permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither Trans Union nor the reporting Furnisher ( XXXX ) has provided documentation. This raises serious concerns about Trans Unions compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. Under the Fair Credit Reporting Act ( FCRA ), s15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately, remove all fraudulent information from my credit file ; notify any third parties to whom this fraudulent information may have been reported ; and provide confirmation in writing that the requested changes have been made to my credit report. I certify under penalty of perjury that the information provided in this notice and its attachments is accurate. XXXX XXXX XXXX Candidate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian added an account that I did not recognize and that doesnt match any of my cards. I clicked on it and all of a sudden my score dropped by XXXX points and now my account is all over the place. Ive already been through fraud and so Ive worked very hard bringing my score up to XXXX. I would appreciate if they put my account back to where it was and stop adding things without my consent and or that dont belong. I need this matter to be resolved just as quickly as they dropped my score. I need to make an important purchase and it will be significantly difficult with this poor score.Thanks for your time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$0.00}, XXXX  XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief