vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Sequium Asset Solutions, LLC
State: DE

Complaint narrative:
I saw there is a collections in my credit report last week, which is charged by XXXX XXXX ( XXXXXXXX XXXX I lived through my college year in XXXX ) and SEQUIUM ASSET SOLUTION is the collection agency. This amount is the move-out fee I paid at XX/XX/2021, and after that, through these XXXX years, XXXX XXXX never contacted me and also I never received email or phone call from this collection agency. At the same time, they both can not provide with me the evidence that I didn't pay for the money. The collection agency asks me to find my leasing company, and the leasing company of XXXX XXXX ( XXXX ) told me they stopped manage this property last year, so they can not find any of my account information any more. As I called XXXX XXXX the XXXX told me they just started manage this property, so I need to contact the previous company. 

I don't want to pay for the money which I paid for XXXX years ago, so I want any of them can provide with me the evidence that XXXX XXXX didn't receive my payment at that time. And at the same time, why they can just mark it on my credit report and reduce my credit score. 

Thanks for your help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: NH

Complaint narrative:
Had my score decrease by XXXX with TransUnion because of paying off a loan early. The same activity caused my XXXX and XXXX credit scores to go up. This happened on XX/XX/2024. I then reached out to TransUnion for explanation, to which I was not given any reason outside of it just being a dynamic score. I then asked for a link or email to file a grievance with TransUnion and was told that it is not something that they even allow.

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 2024-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to demand an immediate investigation and resolution regarding multiple fraudulent accounts and erroneous credit report entries listed under my name. Despite my previous efforts to rectify these issues, including filing a report with the Federal Trade Commission, the continued presence of these incorrect entries on my credit report is both distressing and unacceptable. 



Capital One Account Opened in XX/XX/XXXX : I categorically deny any involvement with or knowledge of the account showing a balance of {$470.00}. 

The account was opened without my authorization, and the contact information on file was erroneous. 



XXXX Account Opened in XX/XX/XXXX : The reported balance of {$59000.00} is entirely unfamiliar to me. 

I assert that I did not open this account and any claim to the contrary is fraudulent. 



Fair Sourcing and Collections Reporting for XXXX : The reported debt of {$19000.00} on behalf of XXXX is baseless as I have never engaged with either entity. 

The reporting of this alleged debt is not only incorrect but also raises serious legal concerns. 




These inaccuracies are causing me significant harm, leading to credit denials and tarnishing my financial reputation. This is a clear violation of my rights and I will not hesitate to pursue all legal remedies available to me, including but not limited to litigation, if these matters are not resolved promptly and to my satisfaction. 


This letter serves as a formal notice that I expect the fraudulent entries to be removed from my credit report immediately. Failure to act will leave me with no choice but to seek legal action for damages resulting from your negligence and the unlawful impact on my credit standing. 


Attached, you will find documentation corroborating my dispute. I demand a written response within 15 days of receipt of this letter, confirming the commencement of an investigation and outlining the steps you will take to rectify these errors. 


I trust you will give this matter the urgent attention it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: MI

Complaint narrative:
I am writing to dispute items on my credit report that I believe are inaccurate and incomplete. As per the guidelines outlined in the Metro2 Format, I am requesting a thorough investigation into the following items on my credit report. Equifax continues to report account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is accurate, fair, and substantiated. It is imperative that the information contained in my credit report adheres to the Metro2 standards, which mandate accuracy and completeness.

According to Metro2 guidelines, I expect the investigation to be completed within 30 days of receipt of this letter. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the necessary corrections. 

This account needs to be deleted from my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-03-18 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: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

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 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On Friday XX/XX/XXXX I made a payment of {$670.00} to my USAA credit card XXXX XXXX XXXX. The bank put the funds on hold and did not credit my account. As a result my credit card was declined several times, and the bank refused to credit my account with my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
credit score dropped 100 points i did not authorize these transactions my identifty was sotlen a few months ago and i know this is part of that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Coinbase has unlawfully disabled my account from buying and sending cryptocurrency for no lawful reason! I want to get some help from you possibly, because i have spoken a couple of times with their unhelpful customer support and even they dont know what is happening and at the same time are doing nothing to help me out with the matter! They have given me a confirmation number XXXX  Its been weeks and i still have no answer! i have never had any issues prior to my 6 years of membership and now this thing happened which i cant even pull my money from my own account! This feels frustrating and extremely wrong to me! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: MD

Complaint narrative:
Inaccurate information on my credit report from ALL 3 major credit bureaus. 
Name on credit report is inaccurate. 
False Addresses social security numbers unauthorized or fraudulent accounts reporting false and unknown inquiries Hard Credit inquiries without my consent or knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Inaccurate information on my credit report from ALL 3 major credit bureaus.

Name on credit report is inaccurate.

False Addresses social security numbers unauthorized or fraudulent accounts reporting false and unknown inquiries Hard Credit inquiries without my consent or knowledge

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 2024-03-18 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:
Experian has not provided information on how this information was verified remove it asap

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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am unaware of this debt, at no point in time was I given the oppurtnity to dispute OR resolve this debt before it was placed on my consumer report which is my right as a consumer & a violation according to 12CFR1006.34 ( c ) ( 4 ) ( i ) in the FCRA . I also received no proper notification ; if in fact if you believe I received proper notifaction of this debt please provide the certified mail receipet baring my signature stating that I received it. This collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR1006.34 ( d ) & 15 USC 1681-S 2 ( 7 ) ( A ). This collection agency is violating my rights by using false misleading, misrepresentation and deceptive means. I want this account removed immediately due to all of the violations or I will be seeking litigation to further this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
On XX/XX/13, XXXX XXXXXXXX added a {$30.00} late fee for an account with a {$400.00} credit line. This is excessive and a junk fee. They can not reasonably have incurred expenses equal to {$30.00}. They need to charge late fees that make sense and aren't just extorting their customers.

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 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

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 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've had different loans with OPORTUN and never had a problem. This current loan has to be paid on the Friday that I do not get a pay check. I spoked to them and they said it can't be changed, that all I could do was to make an upfront payment, which I did so I wouldn't be waitinf till the next Friday to make the payment ( {$110.00} ) but now they say that the " upfront '' payment I made wasn't taken as that, instead it was taken as an extra payment, so every 2 Fridays I make my payment, and it's late. 7 days late, wich really isn't as I made that upfront payment precisely to avoid this. So, when my payment is due, at the next Monday ( 48 hours past due ) they start calling 4 times a day and send me several text messages and emails, I've told them what happend, they say they can not count that payment as an upfront and that I need to make regular payments as that one was taken as an extra one. I've told them to stop calling as many times as they do. I was once at the XXXX  XXXX XXXX XXXX and I tols the lady and 2 hours after that they called again, I replied to a message telling them I was going to fill a report and they said they would add a note, then today when they calles I told them I was going to fill a complaint about their calls and they said they will be waiting for my lawyer 's call, as if she was making fun. I can't deal with this anymore and is not like I'm not paying, I just have to do it like I tried to tell them, fix my payments due date to the Friday that I receive my paycheck and they say it's impossible and even though I gave them that upfront payment, they say they can not count on that as a regular payment in advance. I am so tired of this, this is extreme harassment, 48 hours past due and they start with their messages, emails and calls. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I took out a loan for a bank to purchase a vehicle for {$9000.00}. I was advised by both the dealership and the bank that if I put {$3500.00} down that would only leave the bank to finance me for XXXX. I have been back-and-forth, trying to get paperwork from the bank and the dealership which they were refusing to give to me when I finally receive the paperwork it is showing that I am taking a loan out for the entire {$9000.00} from the bank which I dont know where my {$3500.00} then went. The car broke down on me less than 24 hours of having it I tried to call the dealership with no response, so I filed a complaint with the bank, explaining everything that has happened. They are telling me that they have a relationship with a bank so they will do the negotiations and will make sure that the dealership takes care of the repairs. This has now been going on almost 4 weeks and I have showed out {$800.00} in repairs for the vehicle by day three of the purchase. The bank is now getting back to me threatening me to either take {$2000.00} that the dealership is offering towards repairs at the dealerships Mechanic believes will cost {$5000.00}. The bank is now stating me that I can either except the {$2000.00} for the repairs or return the car and lose my deposit and they are closing my complaint. I simply want my car repaired so that he can work and be driven on the road.

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 monetary relief
Consumer complaint received 2024-03-18 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 2024-03-18 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: OK

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2024-03-18 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 strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-03-18 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: IL

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-18 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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with non-monetary relief