vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
CreditFresh is licensed by Texas XXXX as a Regulated Lender, under license XXXX, Master File Number XXXX with a current license status of ACTIVE. 

I transacted with CreditFresh on/about XX/XX/2023. Despite the aforementioned ( in the previous paragraph ) CreditFresh made no representations that it was a Texas-regulated lender, failing to display any such indication ( by way of Texas XXXX license number, master file number, or so much as even a statement in affirmation of the fact ) on/in ANY place of its documents ( not even anywhere on its website ). This violates state law, namely XXXX XXXX XXXX XXXX. 

As such, due to the gross neglect and/or willful failure of this Regulated Lender to display their Texas XXXX XXXX, the Regulated Lender should be treated ( at least for this transaction ) to be an unlicensed lender. 

Pursuant to state law, namely XXXX XXXX XXXX sec. XXXX, a contract made by an unlicensed lender is void and unenforceable. 

***** Additionally, I want to state that it is my belief that the fee structure for CreditFresh, given that it is a Texas Regulated Lender is unique and likely illegal, as it does not advertise " CAB rates '' like other CABs or Regulated Lenders. Because CreditFresh did not advertise its fees as CAB fees, the fees should be considered to NOT be CAB fees. As such, CreditFresh 's fees likely violate state usury laws. 

***** Further, it is my belief that CreditFresh broke state regulations/laws by failing to offer Extended Repayment Plan or extended time to repay ( unlike XXXX / XXXX ) , and instead offered to ( at best ) delay XXXX payment to the end of the cycle. This action or inaction further preys on the consumer, preventing them from escaping the loan contract, and being bound to its terms ( which as stated above, may be illegal to enforce and/or sell ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX, XXXX, & Equifax continue to report late payments on the account listed as XXXX Account # XXXX XXXX report late payments for XX/XX/year> and XX/XX/year> XXXX XX/XX/year> and XX/XX/year> Equifax XXXX XXXX and XX/XX/year> these late payments do not match up so that means this information has not been verified as accurate. Furthermore this account can not be reported late. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: SC

Complaint narrative:
XXXX, Experian, & XXXX continue to report late payments on the account listed as XXXX Account # XXXX XXXX report late payments for XX/XX/2024 and XX/XX/2024 Experian XX/XX/2024 and XX/XX/2024 XXXX XXXX XXXX and XX/XX/2024 these late payments do not match up so that means this information has not been verified as accurate. Furthermore this account can not be reported late. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-09-01 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: NY

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX 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 2024-09-01 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: NC

Complaint narrative:
I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY

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 2024-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC
State: CA

Complaint narrative:
Received word they called a family member in XXXX. I filed a complaint but it was with the wrong company - I now see this is the company responsible. 

Now have received they have made ANOTHER call, giving out personal information to another family member. this is egregious and absolutely ridiculous. none of the people contacted are in any way associated with my accounts and this sharing of my personal info puts me at risk. Disgusting tactics.

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 2024-09-01 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: MA

Complaint narrative:
I just see a lot of inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-09-01 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: MA

Complaint narrative:
I just see a lot of inquiries on my credit report SYNCB/AMAZON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: KS

Complaint narrative:
I just recently looked at my credit report on XX/XX/XXXX. I seen some hard inquiries that did not have permissible purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-02 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: KS

Complaint narrative:
I just recently looked at my credit report on XX/XX/XXXX. I seen some hard inquiries that did not have permissible purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WY

Complaint narrative:
I had an auto loan with Toyota mtr account # and they repossessed the vehicle while I was in hospice with no notice written or by phone that they where going to repossess the vehicle.i recently looked at my credit report on XX/XX/year> and noticed several inaccurate, inconsistent, incomplete information Toyota mtr is reporting to the XXXX XXXX and XXXX according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.toyota mtr is violating my federally protected rights under 15u.s.c1681.please investigate this account and delete it from XXXX XXXX and XXXX is severely damaging my credit and I can't obtain an auto loan because of there predatory lending practices.i did not give written instructions to the company to report this account to my credit file and it is violating my federally protected rights to privacy and confidentiality.delete immediately. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
ive consistently paid my cards on time for years only to have my limits reduced and interest rates hiked to keep me in debt longer and XXXX score reduced. Ive paid lenders more in interest than Ibe spent as they continued to increase my interest rates, fees and balance.

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 2024-09-01 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: AR

Complaint narrative:
I XXXX XXXX reserve all rights from XXXX  XXXX without prejudice and reserve my right not to be compelled to perform under any contract not entered into knowingly, volunatarily, or intentionally. I do not accept the liability of any compelled benefit of any undisclosed commercial agreement or contract not entered into knowingly or intentionally. Transunion has fraudulently represented the living man XXXX XXXX by presuming ( him ) to be XXXX XXXX and not XXXX XXXX. Transunion has violated 15 USC 1692 ( a ) deceptive practices due to XXXX XXXX not being an individual person, CONSUMER, or fictional corporate entity. Transunion does not have the legal authority or capcity to contract with the living man XXXX XXXX neither Transunion has any mutual agreement or conract signed by the livng man XXXX XXXX to consent with any of its terms for CONSUMER reporting. Transunion continues to report false and misleading account information pertainting to corporate entities which is fraud. Transunion 's failure to acknowledge the any claim in this complaint will be deemed as truth in commerce and used as admissible evidence in State or District court.

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 2024-09-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-09-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I just see a lot of inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion, XXXX, & XXXX continue to report an account listed in my consumer report incorrectly. The account is XXXX Account # XXXX the account has several late payments listed that is incorrect. Transunion has late payments listed as XX/XX/year> XXXX XXXX  and XX/XX/year>. XXXX XX/XX/year>, XXXX 2024, XX/XX/year>, and XX/XX/year>. XXXX XX/XX/year>, XX/XX/year>, and XXXX XXXX. These late payments are not accurately reporting and they do not match up. These payments should be updated as paid as agreed. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: MD

Complaint narrative:
I have spoken with Flagship Credit on numerous occasions regarding their billing and their application of payments towards my loan. Their predatory methods are extremely distasteful. Ive been paying XXXX on a XXXX XXXX XXXX. The payoff currently is approximately {$34000.00} which is roughly more then when i even first purchased the vehicle. Ive been paying on the same vehicle since XXXX. The amount of late fees due to the company 1. ) not processing a due date change and 2. ) telling me the due date initially something different. Over 3 years of paying on a car and its no where near the value and also the unfair deceptive practices are despicable.

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 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I contacted Apple card operated by the terrible company Goldman Sachs in XXXX regarding a charge I did not recognize. I am traveling XXXX XXXX XXXX XXXX and no longer have my American phone number so they will not verify my account and will not allow me to change my phone number and will not email a verification. I contacted them on XX/XX/XXXX and XX/XX/XXXX and also when I went back to the states for a few days and they would not allow me to pay or cancel because I do not have the same phone number. I have had the card since XXXX and made every payment in full on time as to avoid the 30 percent interest charges. Why is that allowed? these interest rates are hurting people. But, that is another problem for another day. But, I have a good credit score and this is hurting me. Also, I saw an interest charge went through even though I can access the account. A message came up on my phone. I just want to pay my bill and not pay interest as this is not my fault. I literally can not access my account. Also, Apple does not have a separate number for credit cards and Apple service so the chat bots are always confused and I can not reach a person to help. I believe this is predatory and should not be legal for a customer to not be able to pay a bill while traveling or access one 's account just because a phone number was changed. This has caused a lot of stress and time just to pay a charge. Also, there are others this has happened to and it is not right these big companies partner together, start credit cards, and are not required to hire appropriate staff to help people. And, also, like all other credit card companies do not have a number to contact them outside of the XXXX. Please help. I just want to pay my balance and close the account. I have text message accounts I can send of all my attempts and how they will not help me because I do not have a XXXX phone number.

Company response to consumer: Closed with explanation