vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: CA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I purchased tickets from XXXX on XX/XX/XXXX for the XXXX XXXX day 2 in XXXX XXXX, XX/XX/XXXX. When we arrived at the event, we were not able to enter with the tickets provided as they were apparently duplicate tickets that someone else had already used. When I tried to contact XXXX via phone, they confirmed that I would receive a refund. However, that did not occur. I followed up multiple times via email the following week and a half, without any resolution. On XX/XX/XXXX, I filed a dispute with my credit card company, Capital One. On XX/XX/XXXX, Capital One requested additional information which I provided. On XX/XX/XXXX, Capital One closed my dispute without providing any evidence from the merchant, only advising that the merchant had communicated that the event was postponed and that was why the tickets did not work. However, this is completely false as the event was not postponed and it did, in fact, happen as scheduled. I followed up and provided the email records of me following up with XXXX, along with proof ( an XXXX link showing the results of the race weekend ) that the event was not rescheduled. Capital One again sent a generic letter stating my dispute was closed, without any proof or reasoning. I have attempted multiple times to work with both XXXX and Capital One, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Motor Credit knowingly allowed me to qualify for both a new vehicle loan and new vehicle lease on the same day even though my income was couldve warranted credit denial.

Based on this deceptive business practice and willful disregard for ability to pay, my vehicle lease ended in repossession and deficiency balance being reported against me. 

I was XXXX  hospitalized and military XXXX XXXXXXXX and as XXXX, I also never received any notices from Toyota Motor Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
credit inquiries that i did not authorized 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 2024-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota violated the SCRA by repossessing vehicle that I entered into contract for prior to XXXX XXXX obligations. Under SCRA, court order is required prior to repossession- this didnt occur. Vehicle was impounded and Toyota utilized this opportunity to effectively repossess.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 2024-02-06 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: NY

Complaint narrative:
I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CR
RG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

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 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 2024-02-06 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor ( XXXX ) has violated my rights under 15 USC 1681. Section 602 states, I Have the Right to Privacy 15 USC 1681 Section 6O4A, Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666-B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Furthermore, this credit reporting agency ( Experian ) violated the above stated laws by varnishing a credit report with a late payment in XX/XX/XXXX under a revolving line of credit with XXXX, as well as XXXX late payments in XX/XX/XXXX and XX/XX/XXXX under an installment loan with XXXX. These payments have not and can not be verified as late and again under 15 USC 's 1666-B can not be treated as late.

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 2024-02-06 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the unsuccessful attempts to remove a charge-off entry from my credit report. Despite multiple efforts to address this matter, the charge-off persists, causing significant distress and affecting my creditworthiness. 

I understand that the charge-off in question is associated with the following account : I have made numerous attempts to dispute and rectify this situation, providing documentation and explanations to support the removal of this charge-off from my credit report. However, it is disheartening to note that these efforts have been unsuccessful. 

I urgently request the following actions be taken : 1. Thorough Review and Verification : Conduct a comprehensive review and verification of the charge-off entry in question, considering the documentation and explanations provided during previous disputes.

2. Communication Enhancement : Improve communication channels to keep me regularly informed about the progress made on my dispute and the steps being taken to address the charge-off.

3. Escalation of Dispute Resolution : If the charge-off is found to be inaccurate or incomplete, I request an expedited resolution and the immediate removal of the entry from my credit report.

4. Compensation Consideration : Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced.

I understand the importance of accurate reporting on credit files and the role it plays in maintaining the integrity of credit reports. However, the persistence of this charge-off is causing undue hardship, and I am seeking a prompt and fair resolution.

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove this account in my credit file : XXXX XXXX XXXX : {$1300.00}.

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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: FL

Complaint narrative:
Name of the Bank is Discover. 
On XX/XX/XXXX of XXXX I had a balance of {$8300.00} with a 0.00 % APR promo due to expire on XX/XX/XXXX. 
On XX/XX/XXXX I accept the offer from the bank for a new balance transfer promotion with a 2.99 % APR promo due to expire on XX/XX/XXXX. I transferred {$8000.00}. 
On XX/XX/XXXX and XXXX I made two payments to the bank for a total of {$8000.00}. 

XXXX bank statement shows Discover had applied most of this payment to the last balance transfer promo ( 2.99 % due to expire on XX/XX/XXXX ) instead to the first one ( 0.00 % due to expire this same XX/XX/XXXX ). 

As a result I was charged full interest rate of 28.24 % applied to the balance {$7600.00} on XXXX. Same has been happening for the following months of XXXX and XX/XX/XXXX so far. 

I called the bank and they said because of the second balance transfer offer had a higher APR promo ( 2.99 % ). The bank system applied the payment I made on XXXX for the amount of {$8000.00} to that balance transfer instead of applying it to the first balance of {$8300.00} ( with 0.00 % APR ) which was about to expire. 

No sense because why would I accept a new balance transfer offer knowing I was going to be charge a full interest rate? plus the fact I paid also the fee for that transfer.. 

The bank said there was nothing they could do. That's the way it is they said.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 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: LEXISNEXIS
State: CT

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX did a credit inquiry on my credit report and I don't do business or permit them to pull my credit without my knowledge. 

XXXX XXXX XXXX inquiry on my credit report on XX/XX/XXXX didn't authorize them to pull my credit report. I have a credit freeze on my report. 

XXXX XXXX XXXX didn't authorize this inquiry on XX/XX/XXXX I have a security freeze on my credit report how are they able to go on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the unsuccessful attempts to remove a charge-off entry from my credit report. Despite multiple efforts to address this matter, the charge-off persists, causing significant distress and affecting my creditworthiness. 

I understand that the charge-off in question is associated with the following account : I have made numerous attempts to dispute and rectify this situation, providing documentation and explanations to support the removal of this charge-off from my credit report. However, it is disheartening to note that these efforts have been unsuccessful. 

I urgently request the following actions be taken : 1. Thorough Review and Verification : Conduct a comprehensive review and verification of the charge-off entry in question, considering the documentation and explanations provided during previous disputes.

2. Communication Enhancement : Improve communication channels to keep me regularly informed about the progress made on my dispute and the steps being taken to address the charge-off.

3. Escalation of Dispute Resolution : If the charge-off is found to be inaccurate or incomplete, I request an expedited resolution and the immediate removal of the entry from my credit report. 

4. Compensation Consideration : Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced.

I understand the importance of accurate reporting on credit files and the role it plays in maintaining the integrity of credit reports. However, the persistence of this charge-off is causing undue hardship, and I am seeking a prompt and fair resolution. 

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove this account in my credit file : XXXX XXXX Balance : {$1300.00}.

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 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
Hello, I have recently been trying to get my renewal date updated to reflect my accurate renewal date according to the Federal Student Aid ( FSA ) website. I spoke to a call center employee who was apparently putting me on hold and corresponding with a supervisor. My initial renewal date was XX/XX/2024, but I messaged them to let them know I didn't need to renew according to the FSA site https : XXXX ( " When do I have to recertify my XXXX plan? '' ) where it says my renewal date will be pushed out a year. After some correspondence with the supervisor they said that my actual renewal date was XX/XX/2024, conveniently, a few days after the cutoff for pushing the renewal date out, which is XX/XX/2024. 
Additionally, " XXXX '' page on the FSA site says " On an income-driven repayment plan, you usually have to update your income every year ( recertification ). Because of the COVID-19 payment pause, you dont have to update us yet. '' So, according to the FSA, I also do not need to recertify yet. 
I fear that they are trying to mislead me into recertifying early, which I have read online is happening to a lot of people. 
It also seems like they're misleading me because they said my recertification is on XX/XX/2024. Which is 1 day after my next payment, and they already increased my payment amount from my IDR amount to the 10-year amount for my payment due on XX/XX/2024. That makes no sense, if my recertification date was XX/XX/2024, then my payment wouldn't change until after that. 
I have messaged them 3 times ( once on XX/XX/2024 and twice on XX/XX/2024 ), I had to call them, and they said a supervisor would call me back. I did this on XX/XX/2024, but they did not call me back. I will call again tomorrow. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
A late payment was reported on my account. I usually get notifications from lenders when payment is due, but this lender failed to contact me and rather went ahead to report a payment that was not due. My credit score dropped by XXXX points a result. 

I want this late payment removed from my credit report.

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 2024-02-06 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: TX

Complaint narrative:
I trust this letter finds you in good health. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report, despite my numerous attempts to rectify this situation. The lack of resolution has significantly impacted my financial well-being and caused undue stress. 

l were initially reported to your agency and since then, I have diligently followed your prescribed procedures for disputing fraudulent activity, providing all necessary documentation such as police reports, affidavits, and supporting evidence to substantiate the fraudulent nature of these entries. 

Despite my multiple attempts to address and correct this issue, each accompanied by cooperation on my part and adherence to your agency 's requirements, the fraudulent items persist on my credit report. I have made submissions and engaged in communications with your agency yet the issue remains unresolved, causing ongoing harm to my creditworthiness. 

I am formally requesting the following actions be taken urgently : A thorough and comprehensive review of the fraudulent items on my credit report to verify their accuracy. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand that errors can occur, but the continued inclusion of these fraudulent items on my credit report, despite my multiple attempts to rectify the situation, is both distressing and damaging to my financial standing. 

Failure to address this matter within the exact time frame from the date of this letter may leave me with no alternative but to escalate this issue further, potentially seeking legal remedies or involving relevant regulatory authorities. 

I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraud items in my credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief