vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Upon Inquiry of to why my Auto Policy Rate ( s ) have Increased and have been high - XXXX XXXX XXXX, XXXX in XXXX XXXX, TX didn't state any CLAIMS under my policy, and stated it was per the Market.

However, it was brought to my Attention that there were XXXX under another Name listed alongside my Name from XXXX & XXXX that are NOT mine. A Agent from another Agency ( XXXX  XXXX XXXX ) who's been trying to help me get a more efficient and FAIR quote has been starting to assist me in understanding this NEGLIGENCE by the XXXX XXXX XXXX XXXX XXXX and the Agency ( s ) that were Responsible for accurately Reporting my History. USAA is the Agency that Reported the Claim ( s ) for XXXX & XXXX which I do not have a Policy with, nor never had one with that Company. 

XXXX XXXX who works with XXXX XXXX is who has RAISED my Rates by XXXX XXXX XXXX XXXX  since the start of my Policy. I am a SAFE driver and have only myself on my Policy with XXXX Vehicle ( XXXX XXXX XXXX ), I am not on another Policy or have any other Vehicles. 

I have not had any Accident or Claim in XXXX or XXXX. 
The Vehicles associated with any claim in XXXX & XXXX are not on my Policy or assigned/registered to me. They are Registered to another person ( s ).

I have explained my concern ( s ) and frustrations to my Insurance Company, XXXX and they have Failed to rectify this Situation Accordingly. They have not Corrected XXXX XXXX XXXX, they have not Contacted the Agency who incorrectly filed the Claim. 

This has been Taxing to say the least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: NY

Complaint narrative:
I did write a complaint on XXXX XXXX XXXX and the did not remove my late on my credit report need them to remove it

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 2024-04-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I did write a complaint on XXXX XXXX XXXX and the did not remove my late on my credit report need them to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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 did write a complaint on XXXX XXXX XXXX and the did not remove my late on my credit report need them to remove it

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
A few fraudulent inquiries reported to my account

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

Complaint narrative:
Letter to TransUnion and XXXX. 

I am sending you a follow-up letter regarding the remaining derogatory items that you have continuously furnished on my credit report. I want to emphasize that these accounts still show inaccurate information. 

XXXX. XXXX XXXX XXXX XXXX Account # : XXXX This account has inaccurate details in Account Status, Date opened, Payment Status, Last Reported, Date Last Active and Date of Last payment. 
As per FCRA, Accuracy of report. I have the right to dispute inaccurate or incomplete information on my credit report and I firmly request that it must be corrected or REMOVED. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Account # : XXXX This account has been successfully deleted in XXXX!!! And it still has inaccurate details in Date opened, Last Reported, and Date Last Active. 
Under the FDCPA, I have the right to request validation of a debt and I have contacted this collection agency to ask for an authentic validation of this alleged debt, however, I did not receive any correspondence from them. I have no contract agreement with this collector, so kindly REMOVE this invalid account on my credit report immediately. 

XXXX. XXXX XXXX ( XXXX XXXX XXXX  ) - Account # : XXXX This account has inaccurate details in Date opened, Last Reported, and Date Last Active. 
Under the FDCPA, I have the right to request validation of a debt and I have contacted this collection agency to ask for an authentic validation of this alleged debt, however, I did not receive any correspondence from them. I have no contract agreement with this collector, so kindly REMOVE this invalid account on my credit report immediately. 

I look forward to seeing these accounts completely wiped out from my credit files by next month. 

Regards, 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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
There was an issue with my card payment going to my XXXX card with Continental finance. So payment was never late it just got applied to the wrong card. I am currently trying to buy a home and explained that they needed to do this immediately as it dropped my XXXX XXXX XXXX points. They said they only report on a monthly basis and could not 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 2024-04-12 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 want to stress emphatically that I've maintained a flawless payment record on this account. It has recently come to my attention that, while all other accounts are rightfully marked 'Paid as agreed ' on my credit report, there's a single account associated with a different account number that is erroneously reported as 'past due. ' This stark inconsistency not only casts doubt on the accuracy of my credit report but also raises significant concerns regarding potential violations of my rights under the Fair Debt Collection Practices Act. Addressing this discrepancy promptly is essential not only for rectifying my credit history but also for upholding the integrity of consumer rights and fair debt collection practices.

According to 15 U.S. Code 1681e, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. It has come to my attention that there are discrepancies in my credit report that are in violation of this provision.

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 2024-04-12 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: GA

Complaint narrative:
I want to stress emphatically that I've maintained a flawless payment record on this account. It has recently come to my attention that, while all other accounts are rightfully marked 'Paid as agreed ' on my credit report, there's a single account associated with a different account number that is erroneously reported as 'past due. ' This stark inconsistency not only casts doubt on the accuracy of my credit report but also raises significant concerns regarding potential violations of my rights under the Fair Debt Collection Practices Act. Addressing this discrepancy promptly is essential not only for rectifying my credit history but also for upholding the integrity of consumer rights and fair debt collection practices.

According to 15 U.S. Code 1681e, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. It has come to my attention that there are discrepancies in my credit report that are in violation of this provision.

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 2024-04-11 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: OH

Complaint narrative:
I was in the process of trying to purchase a home and realized I had damages on my report according to the 15 U.S.C 1681 law, there should not be any damages on my credit report.ITS a defamation to my character.

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 2024-04-11 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: Westlake Services, LLC
State: CA

Complaint narrative:
The complaint is with Westlake Financial Services, XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX I purchased the car in XXXX, I paid {$420.00} a month. I requested them to change the date, because I am Social Security. I only get paid on the XXXX of month. The company refused... said they do not do that. So I paid my last payment on XX/XX/XXXX. My payments were due on the XXXX of the month. 
I would make payments my phone, on the phone recording it never included any accrued interest. It allowed me to pay the {$420.00} for the last 5 years. The recording never disclosed any added interest to the account. The word is disclose. I called a couple times and they refused to put the balances on my credit report, which is a violation of FCRA. I am now at end of my loan, and they are trying to stick me with an extra {$1700.00} added for interest, but on the recording when I went to pay my bill every month it said XXXX interest when I went to make the payment I called today, the supervisor, claims it was on the contract when I bought the car from XXXX XXXX XXXX. The claim I was late XXXX times, yes, I am on Social Security, I can only pay on the 3rd on the month.!! These people are scam artist, and it is out the bag. They told me on my original contract was 5 % of the loan amount. My thing is that needed to disclose that on the phone, instead of saying your payment is {$420.00} with XXXX interest. This is predatory lending and its best!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: FL

Complaint narrative:
Balance details XXXX % paid off Balance {$3300.00} Balance updated XX/XX/XXXX Original balance {$3300.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$3300.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Is

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots inside this complaint in on dates of [ XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to ''Paid as agreed on time '' as they should be due to the fact I was NEVER late. Thanks! 

Please see screenshots attached :

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 2024-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
I opened an account to process payments for my small business. I was verified and had submitted all doucments requested. Square allowed me to process payments and then cancelled my account before I could transer funds to my other bank. I can not process anymore payments and have no idea why they did this. It has been since XX/XX/XXXX when every day they say I have a pending transfer for the next day but it doesn't happen. They cancelled my account and keep chaning the date until when they will hold my fudns which is now XX/XX/XXXX. I am losing my business, and defaulting on my mortage because of this. Again, they will not give an explanation why. I need my momey right away. They are rude, hang up on me, end chats, talk to me like I am a crook, but won't say what happend for them to accept my money and then close my account where i can't get it. They refuse to provide me my account and routing number which has been blocked from viewing online.

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

Complaint narrative:
I am writing to follow up on my previous dispute regarding the fraudulent account appearing on my credit report. On [ date of initial dispute letter ], I sent a formal dispute letter informing you of the inaccurate and unauthorized account listed on my credit report. Despite my efforts, the erroneous information has not been rectified, and I believe there may be violations of the Fair Credit Reporting Act ( FCRA ) that need to be addressed. 

I reiterate that I have no affiliation with this account, nor have I authorized its opening. This erroneous information is damaging my creditworthiness and causing undue stress and inconvenience. 

Furthermore, it has come to my attention that there may be violations of the FCRA in handling my dispute : 1. Failure to Conduct Reasonable Investigation : Despite providing sufficient evidence of the fraudulent nature of the account, no meaningful investigation appears to have been conducted to verify the accuracy of the information. 
2. Failure to Provide Prompt Response : Under the FCRA, credit reporting agencies are required to investigate disputes within 30 days of receiving them. It has been well beyond this timeframe, and I have yet to receive a satisfactory response. 
XXXX. Failure to Delete Inaccurate Information : The FCRA mandates that inaccurate information must be promptly corrected or deleted from credit reports. The presence of the fraudulent account continues to mar my credit profile, indicating a failure to comply with this requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: American Credit Acceptance, LLC
State: OK

Complaint narrative:
In approximately XXXX XXXX XXXX  I contacted my lender to request an extension or modification to my car loan. I had a death in my immediate family that caused me to miss a lot of work. This was a very hard time for me, and I was not ok. My lender told me that I could have an extension only after a payment was made. I agreed, not knowing my husband would lose his job within a month. I communicated and begged for help. I was always told we cant help until you make a payment. All the while I am getting further behind. We then had another tragedy in my family, XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX. I am still constantly communicating and sending every dime possible to American Credit Acceptance. I never intended to get behind, and honestly feel that if they had been more helpful during my initial calls this situation would be different. I tried to refinance my loan with a local community bank as well as a credit union. I was unable to do so because of my XXXX. When I purchased this car I was desperate. My cars motor blew ( it was a XXXX, and had a recall because of the motors but mine was just over the mileage requirements ), leaving me with no vehicle. I live in a very rural low income area with almost XXXX job market so I drive a considerable amount just to get to work. XXXX had a car with not too high of miles within my payment rangethey arranged financing, and didnt require a down payment. After the fact I find out that they did basically 200 % of the value on a massive interest rate for over XXXX  years. 98 % of my payment goes to interest, and I will end up paying over XXXX for a XXXX car. So Im stuck in a horrible situation. I continue paying as much as possible, and paid approximately XXXX from XXXX to XXXX, and was finally able to get a payment agreementI thought. They verbally agreed, and then agreed in writing, but never sent the papers that they require be signed. I requested the paperwork multiple times and got nothing. I kept calling, and was told well, you didnt send back the signed paperwork, and can only get a new arrangement if you pay. Its infuriating. I have also read hundreds of reviews from other borrowers with the same problem. This company preys on people who need auto loans but dont have the best credit.

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

Complaint narrative:
I am writing to file a formal complaint regarding a dispute with Experian over a collection account listed on my credit report. The issue pertains to the accuracy of the address associated with this account. 

Upon reviewing my credit report, I noticed that a collection account is attributed to a company located at an address in XXXX, Texas, when in fact, the company is situated in XXXX XXXX, Texas. This inaccurate address detail could potentially affect the legitimacy and reporting accuracy of the collection account. 

I took proactive steps to dispute this inaccuracy directly with Experian. However, despite my efforts, Experian failed to verify this crucial address detail before marking the collection account as accurate.

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 2024-04-11 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: TX

Complaint narrative:
I received a letter from a company called XXXX XXXX XXXX. They letter states that they are suing me for an account being closed and not being able to obtain payment during a time frame where I was ill. The company lists references on my account that were never there. I don't ever remember having a loan from this company at all. They are threatening to run my credit over and over and are offering a XXXX XXXX that is not accurate with mine. 

The company is making multiple threats of fraud charges and garnishment of wages. XXXX of the people they plan to call as supporting witness would have been an infant at the time the this loan was purported to be taken and the other was not ever listed on anything for me at all. Also this is during a time when my identity had been compromised and someone did several large purchases that had to be disputed. The letter is threatening and is stating information that 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 2024-04-11 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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