vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: NJ

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN Card.

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
This vehicle was transferred to a different owner outlined in the presented divorce decree. The legal document was presented and sealed with a notary but no refinance was offered.

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 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against TD Auto Finance regarding the mismanagement of my account, which has led to significant negative impacts on my credit record, delayed account closure, and unnecessary stress and expense. 

Details of the Complaint : Account Number : XXXX Incident Date : XX/XX/XXXX Financial Institution : TD Auto Finance Product/Service : Auto Loan Summary of the Issue : On XX/XX/XXXX, TD Auto Finance negatively reported my account as 30 days past due, resulting in a significant reduction of my credit score. This action was taken despite my efforts to bring the account up to date, as evidenced by my payment of {$2000.00} on XX/XX/XXXX. Additionally, a payment of {$33000.00} was received on XX/XX/XXXX, which should have been sufficient to cover any outstanding balances. 
I have had multiple interactions with TD Auto Finance representatives to resolve this matter, including the following individuals : XXXX XXXX : Requested to be transferred to a supervisor but was instead transferred to another representative. 
XXXX XXXX : Informed me that no XXXX letter was sent or calls made to coordinate the final payoff of the vehicle. Submitted a request to discuss with a supervisor. 
XXXX XXXX : Displayed rude and aggressive behavior. 
XXXX XXXX : Disconnected the call unexpectedly, possibly hung up on me. 

I've requested numerous times to discuss this matter with a supervisor but have never received a call back. When asked if there's a notation of a supervisor attempting to reach me I've received inconsistent reports from the staff. In addition, I've received inconsistent reports from the staff regarding the timeline associated with notifying them that the vehicle was totaled and what the next steps were to manage this account. My requests for copies of the transcripts and recordings have gone unaddressed. My online account doesn't display any of the information that has been discussed with these phone reps, so there's no way to validate their statements. I've asked for online copies of the XXXX, but that hasn't been provided. TD Auto is eager to charge off the account and unwilling to assist in any way. I've been told the name of the supervisor is XXXX, but that has not been confirmed. The online account appears as though the account can be paid by XX/XX/XXXX, although by phone someone stated the account will be charged off XX/XX/XXXX, which is not indicated online ( screen shot attached ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: AZ

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report, specifically regarding the mortgage account XXXXXXXX XXXX XXXX XXXX - XXXX. This request is made in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information.

I recently reviewed my credit report and noticed inaccurate information related to this account. I believe this inaccuracy is adversely affecting my credit report. I request that you reinvestigate the completeness and accuracy of every piece of information related to this account. If any information is found to be inaccurate, I ask that it be promptly removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I ask that you ensure all procedures followed in including this information are reasonable and guarantee maximum accuracy. 

Furthermore, you are reporting a late payment on this account for XX/XX/year>, which is incorrect. I was not late on [ month, year ]. I request that you verify the information and update the payment history on this account as " PAID, NEVER LATE '' immediately. 

Please send me the results of your investigation and an updated credit report reflecting any changes via mail once it is complete. I appreciate your time and attention to this matter and look forward to your prompt response.

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 2025-01-06 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: AZ

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report, specifically regarding the mortgage account XXXX XXXX XXXX XXXX XXXX XXXX. This request is made in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information.

I recently reviewed my credit report and noticed inaccurate information related to this account. I believe this inaccuracy is adversely affecting my credit report. I request that you reinvestigate the completeness and accuracy of every piece of information related to this account. If any information is found to be inaccurate, I ask that it be promptly removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I ask that you ensure all procedures followed in including this information are reasonable and guarantee maximum accuracy. 

Furthermore, you are reporting a late payment on this account for XX/XX/year>, which is incorrect. I was not late on [ month, year ]. I request that you verify the information and update the payment history on this account as " PAID, NEVER LATE '' immediately. 

Please send me the results of your investigation and an updated credit report reflecting any changes via mail once it is complete. I appreciate your time and attention to this matter and look forward to your prompt response.

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 2025-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: MA

Complaint narrative:
I attempted to apply for a forbearance due to XXXX XXXX XXXX 

I received an automated response stating it will take 90 business days to process the request .... 

I have only received a generic response reminding me of the guidelines even though it says I'll receive a personalized message. 

All attempts to call were not successful as the wait period is often multiple hours. 

This " company '' has no business servicing loans if they're ill equipped with the resources to address consumer concerns. A 90 business day wait period is unacceptable. Things come up that put good people in a financially difficult position. They're inability to address people in a timely manner and/or ridiculous wait times to speak to a person is abhorent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On the date of XX/XX/year> we got approved to rent a house, and they send me the lease to sign and pay for the Secured deposit fee, I paid in full {$2100.00}. After that they deleted the account and resent it again, had to sign it again and I paid again, thinking they would refund my money as soon as it clears. They did not give me my money back. The excuse was they never received the money, I called the bank again, and they told me it the claim was denied, to contact XXXX XXXX XXXX XXXXXXXX to refund me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In accordance with the Fair credit reporting act, this creditor Capital one and XXXXXXXX XXXX has violated my rights under 15 USC 1681 section 602, states i have the right to privacy 15 USC 1681 section 604 section 2, it also states a consumer reporting agency can not furnish an account without my written instructions under USC 1666b. A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late payment for any purpose. Please remove this late payment immediately as you are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Our mortgage payment was not applied to our mortgage but LoanDepot applied it to a made up charge amount for a temporary insurance payment and we never gave permission as our mortgage payment we made was for our mortgage only. We tried calling and talking to several different people on over at least 10 occasions but no one would listen nor take care or resolve our issue with their misplacing our mortgage payment and adding it some where else. 
We were told months prior they were selling our mortgage and that we owed {$150.00} for insurance that was not paid on the mortgage, we tried to find out why this amount and what it was for and who we would talk to white the new mortgage owners? We never got an answer and then the mortgage was never sold. We always made our mortgage payment within the 16 days we had before it was late and never had a 30 days late payment. They then changed the amount of the {$150.00} to us owing {$430.00} something ( almost the same amount as our mortgage payment ). We tried again calling to ask why this amount and no one would answer us. We called in to Pay our mortgage payment in XXXX because we could not pay it on line because it would not allow us to pay our regular mortgage payment but was saying we had to pay {$900.00} now. When I called to pay my mortgage and find out what this {$400.00} plus more charge was for, she said she only saw our mortgage payment due, so we paid it through her on the phone. Well apparently she did not pay our mortgage but applied it to that other payment and we did not know until we got notified we had a thirty day late on our mortgage!!?? We of course called and wrote a letter to them stating we never gave permission to pay anything but our mortgage payment. We supplied the bank statements show we never missed a mortgage payment for XXXX ( nor XXXX that they now said we were another thirty days late ). No one has been able to help us resolve this issue and I had to pay that {$400.00} extra dollars in order to not get another 30 days late. But they did came back and said we were 30 days late and they are not removing the false late report. They have committed a huge fraud and caused our credit to be damaged which has now caused us much damage and credibility not to mention a huge loss of money. 
They still have not returned calls or emails to help us with their huge fraud that they are responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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 filed this report and these accounts have not been removed. These accounts were opened without my knowledge or consent with companies I did not apply with and they were opened with my personal 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 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
CFPB Complaint Against XXXX Regarding Monterey Financial Services Subject : Inaccurate Reporting by XXXX Monterey Financial Services Collection Account Introduction : This complaint is being filed against XXXX for failing to ensure the accuracy of information reported by Monterey Financial Services. Monterey Financial has failed to provide proper debt validation, proof of licensing in Illinois, and documentation to support their collection efforts. XXXX continued reporting of this inaccurate information violates the Fair Credit Reporting Act ( FCRA ). 

Summary of Violations : 1. Monterey Financial Services is not licensed to collect debts in Illinois. 
Despite this, XXXX continues to report their collection account. 
2. Monterey Financial has failed to validate the debt properly under the Fair Debt Collection Practices Act ( FDCPA ). 
3. The contract provided by Monterey Financial shows it is governed by XXXX law and California jurisdiction, raising further questions about the legality of their collection efforts in Illinois. 
4. XXXX has not conducted a proper investigation to verify the accuracy of the information being reported, as required under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CT

Complaint narrative:
You sent me out a check that my bank didnt accept, I spoke with some one to reissue the check bc after I deposited it in my credit union/bank I wrote void on the check, I was told they could not see the XXXX XXXX XXXX seal so I am not able to take the check to XXXX now to cash it, sent a email explaining that and I spoke to a live agent not. So now this happened before the XXXX holiday 2024. So now Im waiting for the reissued check so I can take it to the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: OK

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2025-01-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize. 

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/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 2025-01-06 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation