vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit
State: OH

Complaint narrative:
Greetings, I turned the vehicle in, in great condition and lower mileage than allotted. I was informed by the dealer that they would buyout the vehicles residual amount and perhaps resale on their own terms. I requested documents from the dealer of the buyout and they did not provide them, nor did they confirm or deny they had them. I asked the dealer to provide a copy of a good condition report that I signed when I turned the vehicle in and they did not provide it. 

A statement from VW Credit dated XXXX the balance due was XXXX dollars. The payment history provided shows that I paid XXXX of that balance. The difference is about XXXX dollars. When I called in to make a final payment around XX/XX/year> they told me I had a balance due of over XXXX dollars. I began to question the discrepancy and requested accounting history so that I could compare them to my records. What I found was several of my payments had been applied to an end of lease fee that should have not been charged if the lease was bought out. 

After turning in the vehicle, I was aware that I had a balance for payments that had been pushed to the end of the loan in agreement. I continued to make payment toward the loan every month for usually XXXX for a whole year until XX/XX/year> when I found the discrepancy when attempting to make my final payment. I asked the lender to provide information on how the vehicle was settled and they would not provide that information either. I was told it was a lease buyout, and if so the residual amount was paid and I am not required to release at that point, the vehicle has been purchased. 

The item showed up on my credit report as a charge-off around XX/XX/year>. I have since paid the balance in an effort to remove the negative remark from my credit report but now it just reads paid charge off which is still derogatory. I also did not receive a 1099 c from the company for the alleged charge off. The payment history on my credit report for this item reported as paid for months after turn in, up until XX/XX/year>. Those payments are now not present on my credit report, it reads N/A after the most recent update to my credit report. 

This remark has severely impacted my credit report and is the only charge off ever listed on my credit report. I want proof of how the lease was settled. The creditor nor the dealer will provide it. My next steps will be to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I spoke with a XXXX representative yesterday and asked her to fix my birthday, remove all old addresses and phones numbers, remove a hard inquiry that I did not request and could have not requested because I was XXXX  at the time. 

The inquiry is from XXXX on XX/XX/year>. I was XXXX  from XXXX. She switched my present address with my former address. Now I have the incorrect address on file. I filed XXXX disputes XXXX for the incorrect birthday. I believe the other was to remove all my prior addresses and phone numbers. 

I also asked them to remove an alias name that I have never used before that was incorrect and she told me to contact the merchant that put it on there. They denied both of my disputes even though I uploaded my state ID with my current address as well as my birthday.

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 2024-11-10 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: OH

Complaint narrative:
I spoke with a XXXX representative yesterday and asked her to fix my birthday, remove all old addresses and phones numbers, remove a hard inquiry that I did not request and could have not requested because I was XXXX  at the time. 

The inquiry is from XXXX on XX/XX/year>. I was XXXX  from XXXX. She switched my present address with my former address. Now I have the incorrect address on file. I filed XXXX disputes XXXX for the incorrect birthday. I believe the other was to remove all my prior addresses and phone numbers. 

I also asked them to remove an alias name that I have never used before that was incorrect and she told me to contact the merchant that put it on there. They denied both of my disputes even though I uploaded my state ID with my current address as well as my birthday.

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 2024-11-10 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 consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 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 2024-11-10 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 consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX I do not have a contract with XXXX XXXX XXXX. I was never provided with any contacts as requested

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 2024-11-10 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: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX I do not have a contract with XXXX XXXX XXXX. I was never provided with any contacts as requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: TX

Complaint narrative:
I lost my job in XXXX of XXXX - I received a severance and was making on time payments to XXXX until XXXX of XXXX. At this point I contacted XXXX and was placed on a mortgage assistance program which reduced my payments. I was required each month to call and check in with XXXX to report my job status and make my required monthly payment, which I did each month. I finally found a full time job in XXXX of XXXX. At this point I contacted XXXX to make my final reduced payment and to inform them I had found employment. During that call the representative told me that I was now required to pay back the balance that was deferred during the assistance program and I made a verbal agreement on the phone. I was told that I would receive a packet with the program details which I ( and my wife who is a co-signer on the loan ) would need to sign, have notarized, and return to XXXX. 

Today, XX/XX/XXXX, I received a report from TransUnion that XXXX reported by loan as severely delinquent ( over XXXX days ) - at time of this complaint I have not received the other notices from XXXX or XXXX which I am sure are coming in the next couple of days. 

During my call with XXXX on XX/XX/XXXX there was no communication that my credit report would be affected. I understand that my payments were " late '' due to the program but no where in my call or in the one letter I have received was it stated that our loan would be reported delinquent. My credit score dropped XXXX points just with the TransUnion report and I assume it will drop further when it reaches the other two agencies. They reported my entire loan balance of {$320000.00} as delinquent. 

I have seen multiple reports online that this has occured within the last 12 months from 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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to access the online website of these credit bureaus so as to get a copy of my credit report but without success.

Can they please send a copy of my credit report to the address on file please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: NY

Complaint narrative:
XXXX XXXX Opened XXXX {$12000.00}, XXXX XXXX Opened XX/XX/XXXX, XXXX {$4300.00}, XXXX Opened XXXX, XXXX XXXX {$1600.00}, XXXX XXXX Opened XXXX, XXXX {$14000.00},, XXXX Opened XXXX, XXXX XXXX, XXXX Opened XXXX, XXXX. XXXX {$14000.00}, XXXX Opened XXXX XXXX XXXX {$6100.00}, XXXX XXXX Opened XXXX XXXX {$12000.00}, XXXX Opened XXXX {$1200.00}, XXXX XXXX Opened XX/XX/XXXX {$770.00}. I have written dispute letters and have not received any responses. Many errors on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: NY

Complaint narrative:
XXXX XXXX Opened XXXX {$12000.00}, XXXX XXXX Opened XX/XX/XXXX, XXXX {$4300.00}, XXXX XXXX XXXX, XXXX XXXX {$1600.00}, XXXX XXXX XXXX XXXX, XXXX {$14000.00},, XXXX Opened XXXX, XXXX XXXX, XXXX Opened XXXX, XXXX. XXXX {$14000.00}, XXXX Opened XXXX XXXX XXXX {$6100.00}, XXXX XXXX Opened XXXX XXXX {$12000.00}, XXXX Opened XXXX {$1200.00}, XXXX XXXX Opened XX/XX/XXXX {$770.00}. I have written dispute letters and have not received any responses. Many errors on my 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 2024-11-10 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: GA

Complaint narrative:
Under 15 U.S. Code 1681c2, consumer reporting agencies are required to block information in a consumer 's file if the consumer identifies it as related to identity theft. I am requesting that the fraudulent account associated with account number XXXX, reported by XXXX XXXX XXXX for XXXX XXXX XXXX, be immediately blocked from my credit report. I have never applied for, authorized, or otherwise engaged in any transaction related to this account or residence. I have continuously resided at my current address for the past XXXX years, with no association to XXXX XXXX XXXX or XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally financial In XX/XX/XXXX there was a payment made to my account by error from an ally rep for the amount of XXXX. On XX/XX/XXXX I look at my car account balance and only see the remaining balance to be paid of XXXX to meet up the full XXXX. Made payment thinking they gave me a credit or something and did not think much of it.. XX/XX/XXXX made my regular payment of XXXX. 
XX/XX/XXXX I get a text message my account is past due, when look at the balanace they have reverse the XXXX error with no notice or letters or anything stating what happened and in the process set my account in delinquent status. After multiple calls and arguments I finally got an explanation of what happened which it also affects my mothers report since I am co-signing for her car. Finally on XX/XX/XXXX Come up with a solution as no one at ally financial offered any so requested a payment arrangements extension, it was approved but I will need to make my current payment for XXXX which was fine, I asked to make the payment the following day XX/XX/XXXX since I get pay the following Friday and no one advise of any impacts to my score Come XXXX, I get an alert my credit dropped almost XXXX points since they reported the account as missing a payment.. I have fought with this people enough and I am asking for help at this point to finally get this issue corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: TN

Complaint narrative:
I did not authorize XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, OR XX/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 explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Steel River Systems, LLC
State: CA

Complaint narrative:
My former partner convinced my to assist him in purchasing a steel shed, loan was going to be on his property for his use, he said he would make the payments. I was hit with a huge credit score drop as a result of unpaid loan. This affected my credit once under XXXX. I have worked very hard to improve my credit score and it turns out this loan was sold to a collect agency, Steel River, that has not mailed me anything in regards to this loan and I find out today that they have affected my score again. I am in the process of rebuilding my life as a single mother. What can I do? If no payment or agreement for payment has been made, why is this still allowed to haunt me years later?! Please help!

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 2024-11-10 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 recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paid my bill on time and the company still charged me a late fee. The late fee was refunded. My bill was affected due to the late fee and my normal monthly bill was higher than normal causing me not to be able to pay full amount, thus causing a new late fee making my new bill even higher. I can't afford that. My bill should have been adjusted back to normal after the late fee was returned. I have now closed the account and was told they are going to keep charging me late fees if I am unable to make total payment. Unethical

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 2024-11-10 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: GA

Complaint narrative:
Under 15 U.S. Code 1681c2, consumer reporting agencies are required to block information in a consumer 's file if the consumer identifies it as related to identity theft. I am requesting that the fraudulent account associated with account number XXXX, reported by XXXX XXXX XXXX for XXXX XXXX XXXX, be immediately blocked from my credit report. I have never applied for, authorized, or otherwise engaged in any transaction related to this account or residence. I have continuously resided at my current address for the past nine years, with no association to XXXX XXXX XXXX or 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 2024-11-10 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: GA

Complaint narrative:
Under 15 U.S. Code 1681c2, consumer reporting agencies are required to block information in a consumer 's file if the consumer identifies it as related to identity theft. I am requesting that the fraudulent account associated with account number XXXX, reported by XXXX XXXX XXXX for XXXX XXXX XXXX, be immediately blocked from my credit report. I have never applied for, authorized, or otherwise engaged in any transaction related to this account or residence. I have continuously resided at my current address for the past nine years, with no association to XXXX XXXX XXXX  or 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 2024-11-10 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 am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft. 

The fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed this fraudulent account from my report at once

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Chrysler capital sold debt to crown asset management llc Ive tried hard to get a debt validation company never sent anything, in the state of XXXX XXXX a debt thats been written off or XXXX XXXX XXXX cant be collected on this account is both and its XXXX XXXX XXXX and should be removed this company has violated my rights in many ways!

Company response to consumer: Closed with non-monetary relief