vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: GA

Complaint narrative:
This is my seventh time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, Address ID : XXXX / Report number : XXXX I can not receive mail or any correspondence nor do I have access to any of these addresses, please delete these outdated addresses and update the addresses with the XXXX above. 

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ) am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send and updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX Address : 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 2024-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Lendmark Financial Services
State: TX

Complaint narrative:
Lendmark Financial Services financed a loan using the title to my 2013 XXXX XXXX XXXX as collateral on the loan. The first time I signed the loan, I informed the rep that I didn't want the extra insurance that they added on anyway. So I ended up having to call another company just to get that refunded weeks later That was the first issue. The 2nd issue was that I remember looking at the interest rate and it being around 19 % throughout the loan period. However, the last time I refinanced the loan ( which is supposed to bring an interest rate down, in my opinion ) It increased to nearly 30 %. Which the representative never explained to me. A few months after that, my vehicle was towed from my apartment complex and I was forced to pay almost {$350.00} to get it back. So I explained that I wasn't able to make the payment for that month but I would try and catch up as soon as possible. I ended up paying that month late but then I noticed the interest rate. And that I was upside down on the loan already with it being that high. Then one day out of nowhere, I get an email from Lendmark to follow a link and sign a deferral form. Something I never ask for or requested them to complete. When I emailed back regarding the unrequested form, I was told I had to call in because my information couldn't be discussed over email. But they had sent the email and requested this without my knowledge! After that I felt like something shady was going on with the company so I stopped payments on the loan. Then I moved and 2 days after I moved, I sent an email to the branch manager telling her where the car was and that she could come and repossess it since thats what they were threatening. Much to my surprise, four months later, my old apartment complex calls me asking me what I'm going to do with my vehicle. They never went and repossessed it. Finally after sending emails and making phone calls, I was told that it wasn't worth them repossessing. However the loan has been in collection status and shows repossession for months before that. They actually closed the loan off without deducting the amount of collateral from the loan because they never went and got the car. The amounts are incorrect, the whole way they went about it seems fraudulent to me, and the damage done to my credit is unrepairable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX got a preapproval letter from CHASE BANK for $ XXXX and a credit score of XXXX. Went under contract. Sent every doc they needed : 2 years taxes, bank statements, property taxes, everything! Everything went smooth. Day 10, we tried contacting our loan officer XXXX XXXX. Over 15 calls, emails, and texts. On day 14 she responded and told me I was denied based on 2 years of taxes showing a loss. I explained that I made $ XXXX in XXXX so I was confused, and I'm on track for another successful year in XXXX. XXXX I showed a loss for a remodel on my rental, which is now generating a great income. She didn't want to explain anything. I called my accountant, and he also said I showed a large profit in XXXX, and I had him send me the taxes he sent to her to look myself. We were right, I showed a profit for XXXX, and a small loss in XXXX. I have no other debts. None of this makes sense. I asked her if I could have a co-signer and if that would work, and she flat out said no, they won't loan us money no matter what. I have sense asked for reasoning, messaged her manager XXXX, emailed her, text her, and she hasn't responded to anything. I deserve some sort of answer. I did find a new lender the next day, with no issues on my income, but now the interest rate is much higher since we were 16 days later. I was locked in at 6.8 %, and now looking at 7.4 % which is the best rate today. I want answers, I feel I was 100 % discriminated against for my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: PA

Complaint narrative:
Date : XX/XX/year> XXXX True Accord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Intent to File a Complaint with the XXXX Dear Sir or Madam, I am writing to formally notify you of my intent to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant consumer protection agencies regarding the handling of my account with XXXX XXXX XXXX XXXX 

Despite my previous communications and requests for resolution, I have encountered significant issues with how my account has been managed. Specifically, my concerns include abusive, harassing, or unfair collection practices, such as excessive phone calls, threats, or deceptive tactics used to pressure you into paying. The collector has violated consumer protection laws, such as failing to provide required disclosures, not honoring requests for verification, or engaging in illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: AL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: FL

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: ND

Complaint narrative:
I request that my claim be looked into and that all unauthorized inquiries be taken out of my credit record in accordance with the Fair Credit Reporting Act. Please send me a copy of my credit report as soon as the errors are rectified. 
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 explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CarMax, Inc.
State: GA

Complaint narrative:
I am filing this complaint to request the removal of inaccurate late payment and charge-off entries reported by CarMax Auto Finance on the Retail Installment Contract ( dated [ Contract Date ] for the vehicle XXXX XXXX XXXX  XXXX XXXX : XXXX ''. This contract is a closed-end credit agreement, and the vehicle was repossessed during an ongoing arbitration process. Given the circumstances of the repossession and CarMaxs obligations under the Truth in Lending Act ( TILA ) and Fair Credit Reporting Act ( FCRA ), I believe that these late payment and charge-off notations are inaccurate and unjust. 

Summary of Reporting Issues and Repossession During Arbitration The payment history reported by CarMax includes multiple late payment entries, as well as repeated charge-off ( " CO '' ) notations, even though the vehicle was repossessed during an arbitration process. This raises concerns about the accuracy of CarMax 's reporting practices and their compliance with legal requirements. Here is a summary of the entries as reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This reporting appears misleading for the following reasons : Repossession During Arbitration : The vehicle was repossessed by CarMax Auto Finance while the account was in arbitrationa process that should have temporarily halted any enforcement actions, including repossession, until the dispute was resolved. This repossession suggests potential disregard for the arbitration process and could affect the legitimacy of the subsequent delinquency and charge-off notations. 

21-Day Notice Requirement Under TILA ( 15 U.S.C. 1666b ) : CarMax Auto Finance is required to provide at least 21 days ' notice before each payment due date on a closed-end installment account to avoid late fees or penalties. I request that CarMax provide proof of compliance with this requirement for each reported late payment and charge-off entry. If these notices were not provided, then the reported late payments and charge-offs are not legally valid.

Fair Credit Reporting Act ( FCRA ) Accuracy Standards : Under the FCRA, creditors are required to report accurate, complete information. The reporting of multiple " CO '' notations across several months and various late payment entries during and after the repossession suggests potential inaccuracies. This reporting may unfairly affect my credit profile by exaggerating the delinquency. 

All evidence attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 explanation
Consumer complaint received 2024-11-04 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: NY

Complaint narrative:
I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XX/XX/year> {$5.00}, XXXX XXXX  XX/XX/year> {$59.00}, XXXX XXXX. Both of these were charged to my PayPal account. 
I notified PayPal immediately that not only were these fraudulent but I had never even received an account number from PayPal so how was this charged? PayPal claimed that because they had my email it was accepted. Yet Ive received scams through my email so this makes no sense. 
XX/XX/year>, XX/XX/year>, XX/XX/year>, dates of three letters I received from PayPal claiming they are looking into the problem. 
XX/XX/year>, PayPal statement, {$150.00}, PayPal has added {$94.00} for???? 
XX/XX/year>, PayPal statement, {$160.00}, PayPal has added {$97.00} for????? 
XX/XX/year>, PayPal statement, {$120.00}, PayPal has added {$64.00} for???? 

Is this all a scam from PayPal???? 
No matter how many times I contact them they continue to conduct business as usual, if this is usual??

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 2024-11-04 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( eXb ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be venfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and prompty notry the furster of XXXX XXXX that the XXXX XXXX been XXXX  or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-11-04 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: AR

Complaint narrative:
LOOKED AT MY CREDIT REPORT AND NOTICED SOME FRAUD INQURIES THAT I DID NOT AUTHORIZE,,

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