vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Toyota Financial Services ( TFS ) transferred responsibility for an auto loan from my deceased mother to me but has not performed its agreement to authorize a Title in my name with a lien, so as a result I can not legally drive the vehicle because I can not register the vehicle. 

XXXX  My mother died on XX/XX/XXXX and my sister and I inherited the vehicle. My mother had an auto loan from TFS for the vehicle and I began payments on the loan using my own money. The State of Michigan vehicle Title identifies my mother as the owner and " Toyota Motor Credit Corporation '' ( TMCC ) ( the parent company of TFS ) as the Secured Party and lienholder. 

XXXX  The vehicle 's registration expired in XX/XX/XXXX. It is not legal to drive the vehicle without current registration. Michigan will not renew the registration because the owner listed in the Title is deceased. Michigan told me that it will only transfer the Title to my sister and me if it receives a letter from the lien holder ( TMCC or its agent TFS ) authorizing the transfer. 

XXXX  I told TFS that I would accept responsibility for the loan if TFS authorized transfer of Title to me and that TFS could retain its status as a Secured Party and lienholder.

XXXX TFS approved my request to transfer the loan to me, but instead of transferring the Title at the same time, set me a letter ( ATTACHED ) dated XX/XX/XXXX informing me that a Title transfer will occur later. 

XXXX I telephoned TFS twice on XX/XX/XXXX about the status of the Title transfer. In the first call, the TFS representative told me that TFS would not send me a Title until the loan was paid off and then hung up on me. In the second call, the TFS representative told me that TFS would authorize a new Title but there was a procedural complication because my residence is in Virginia and the existing Title is from Michigan ( the vehicle is in Michigan and will only be used in Michigan ). I have received no communication from TFS about the Title since then. 


I am still unable to drive the vehicle legally XXXX over seven months after my mother 's death, over two months after TFS 's XXXX letter, and even though I have paid {$5800.00} to TFS since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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 want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Purchased an item in XXXX and never received a bill. They stated we requested paperless. That was not the case. We never received a paper bill or a bill to my email account. They removed some fees but not the high interest charge. The also closed my account for delinquency. Again, I never received a paper or paperless bill. I received a paper notice that I was delinquent. That was my first knowledge of the open bill. After multiple phone calls they wound not remove the interest charges. To resolve the issue I paid {$89.00} for a {$48.00} item. I was then told I may owe accrued interest even after I just paid them. 

A sweater was purchased at Banana Republic in XXXX for {$48.00}. We spoke with Barclay credit card company on XX/XX/2024.

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 2024-04-24 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: NJ

Complaint narrative:
I understand that FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.

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 2024-04-24 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: NY

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-04-24 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: NY

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-04-24 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: CA

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to TRANSUNION. In my credit report from XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

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 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX initiated a real time bank to bank transfer which they claimed was sent instantly to my Wells Fargo account. They've supposedly escalated issue and assure me money is on Wells Fargo end and to call them to see where my expected {$290.00} instant transfer from XXXX went. I called and talked to XXXX, who proceeded to gaslight me and kept robotically repeating that ACH transfers take money. He didnt know what a real time transfer was. He kept saying that it was an ACH transfer even though it wasnt then he claimed he couldnt see any transfers coming in. SO apparently Wells Fargo or XXXX are holding almost XXXX dollars owed to me XXXX. Wells Fargo is refusing to assist further in finding my money.

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 2024-04-24 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: IN

Complaint narrative:
I have had the same balance and same last payment date for the last year under my transunion report. But states I'm 100 % payments on time.

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 2024-04-24 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: CA

Complaint narrative:
fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.

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 2024-04-24 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: FL

Complaint narrative:
I have been a victim of identity fraud I have had my social security breach of me and my XXXX minors resulting in fraud activity IRS had put me in high security protected password for lifetime as a result to protect me in future asking to get help with this new fraud as I just seen it was recently placed and wasn't me. I have no knowledge of this dept I been taking all steps to prevent hackers as my info was leaked /breach dark web. Please help assist by removing it from my credit.

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 2024-04-24 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: FL

Complaint narrative:
I have been a victim of identity fraud I have had my social security breach of me and my XXXX minors resulting in fraud activity IRS had put me in high security protected password for lifetime as a result to protect me in future asking to get help with this new fraud as I just seen it was recently placed and wasn't me. I have no knowledge of this dept I been taking all steps to prevent hackers as my info was leaked /breach dark web. Please help assist by removing it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau. I know my right to have an accurate reporting in compliance to FCRA. There is a fraudulent account in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

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 2024-04-24 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: NY

Complaint narrative:
I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, CT, XXXX Incorrect DOB : - XXXX  Employer - XXXX Employer - XXXX  Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

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 2024-04-24 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: PA

Complaint narrative:
FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
In the last year I have attempted and thought I was making payments on my student loan. After signing into my own personal account through Mohela and using the app. I began making payments through the app. Only to find out after my due date the system would kick my payment back in turn, charging me interest and making payments more difficult. I have been in touch with representative back in XXXXXXXX XXXX  and they resubmitted my checking info. Again, I thought I was making payments again and payments are continued to get kicked back to me three four days after my due date. I think this has been happening for sometime and I believe and my bank " XXXXXXXX XXXX '' believes I am being XXXX  for interest money. My next step is to search for a lawyer to persue the wrong doing of Mohela and how they have misrepresented their intentions over the last year in handling my student loan. I believe this has been illegal behavior on Mohela and I am unsure how much interest before I began paying they have added to my loans. This matter is serious and I hope I am taken serious. I can be contacted through my email or personal number XXXX. With all that have happen with student loans since covid 19, I am unsure if my loan information is close to accurate. Also, I signed up for loan forgiveness a year ago almost. This ruins my loan forgiveness efforts as well. I hope someone contacts me asap. 

PS. Funny, the app. I was paying through for weeks, no longer works and you can not reach anyone on the phone any longer. I have called several times. 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XXXX I attempted to withdraws money from an ATM at XXXX XXXX at XXXX XXXX, MD. I put all my info in the ATM and requested {$200.00} plus the XXXX fee, so total was {$200.00}. It then told me : '' Your transaction has been cancelled, please take your card. I waited a few seconds wondering what happened and waiting for a printed receipt that never came. I walked 10 steps to the ATM machine behind it and got my money, unfortunately I got charged for both transactions and when I contacted my bank I had a dispute filed. When they said it was 13 minutes between transaction which is impossible because I actually walked 10 steps and then XXXX said I received the money they ended the dispute and said it was my fault. 

I did escalate the dispute, but I'm sure they will say the same thing. 
On my PNC bank app, it shows the 2 transactions labeled as : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MD. 

I was told they would contact me in 48 hrs which as I write this is 24 hrs. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I have had a loan with greenline loans since XXXX. I have had two loans which were paid off successfully. I currently have a loan which was taken out XX/XX/XXXX for {$400.00} the payments were originally {$120.00}. I reached out on XX/XX/XXXX via the Consumer Finance Protection Bureau explaining my hardship and on XX/XX/XXXX I received a response from greenline loans saying that I have 5 payments remaining and once the last payment on XX/XX/XXXX clears the loan will be considered closed. I originally had a payment on XX/XX/XXXX which I called to move for XX/XX/XXXX. I have a lot of expenses which have increased. I have been a customer of greenline loans since XXXX. I would like to consider what I have paid and settle the account I have made a total of 10 payments which totals up to {$350.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS IS NOT A DISPUTE!! THIS IS A NOTICE OF CEASE AND DESIST. Transunion previously received a similar letter and processed it as a dispute. This is to be sent to the legal department at Transunion.

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