vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: MO

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: IL

Complaint narrative:
According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. Could you kindly review the documents? Several of the mentioned accounts are incorrect, causing me discomfort.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: CT

Complaint narrative:
I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: MO

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: CT

Complaint narrative:
I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: CT

Complaint narrative:
I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
things that are reporting to my credit are not 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 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was late on a payment during 2020 due to no work because of XXXX payment was only about a week late and was told it would be forgiven due to immaculate payment history and no other late payment ever, also due to XXXX hardships. Did not realize this was affecting my credit until I received a declined application stating missed payments and saying account was delinquent. Account was not delinquent and only changed recently, was paid always on time and is current. Have constantly contacted them to right this issue but to no avail. Was told they cant do anything because its not within XXXX  days of late payment which I told them I had contacted them numerous times including right after late payment and how I was told it would be forgiven, however the representatives have basically just been like nothing we can do contact credit agency to which credit agency said contact them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA XXXX XXXX - I specifically requested the card that had an intro apr rate on purchases and not balance transfers. The representative from USAA told me I had a couple of cards to choose from before applying to them and I requested the into apr on purchases, I did not receive that, instead I was given the same card without intro on purchases but for only balance transfers, they totally mislead me. I ended up using the card believing that I had an intro on purchases and utilized a lot of my credit. I was very furious to find out after the fact I charged up many items. I found out by high interest payments, so I called USAA and asked why am I receiving high interest and they told me the terms on the card was for balance transfer. I told them that was not accurate at all, and they need to pull their call and see that I they gave me 3 different cards to choose from and I specifically requested the purchases intro apr. I filed a complaint with USAA and closed out my credit card XXXX XXXX. This was complete predatory lending on their part. I had a follow up call from the office that works with the XXXX office of USAA and they told me sorry but that's the terms, I informed then that was not what I agreed to or I never would have gotten that card. I told them to pull the call, that it was recorded, The representative from USAA said that unfortunately they didn't record the call. I am furious they lied to me and they did record the call, back when I applied for the card the woman told me it was being recorded. This is unsatisfactory business with USAA, I am appalled with their predatory lending practices. I had to transfer my balance onto another card about 75 % of the balance I still owe them about {$4500.00} originally it was {$15000.00}. I am paying 19 % on apr when it should have been XXXX. I want action taken, I am a XXXX  XXXX XXXX, and they can not due his to their target group of veterans which is the majority of their customers and treat us with their predatory lending. I will not be doing business with this company and I am ashamed that they would treat their customer base this way. Please follow though on this and make them do what is right they will not do anything about it. I informed them I would be filing a complaint with Consume Finance Protection Bureau!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
This is with the company Westlake Portfolio management. I originally had a car purchase from American Car which i asked the person selling the car to see if it was a purchase and not a lease but later on I was told by Westlake it was a lease. Ok my original payments were {$240.00} biweekly up until XX/XX/2023 when they sent me a letter stating that hey could reduce my payments to {$190.00} biweekly. 

So, I signed the agreement and was making biweekly payments to them. My problem is that every time I made a payment that someone who call me and tell me that my account is so many days past due. And before I signed this agreement I made sure that the only amount I had to pay would be the {$190.00} biweekly and was told yes because I had already paid {$5200.00} and that the taxes were included in the biweekly payments of {$190.00}. But it showing on my credit report that i have late payments due to the fact that someone from Westlake and other collections agents are calling me and telling me that my account is overdue 30 or more days. From the start, I have been having numerous car problems with this car from severe oil leak to transmission problems and have informed Westlake about this and they informed me that they could not honor American Car previous contract so that i would have to pay for all the repairs out of pocket that needed to be done to the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Over XXXX dollars on an account I do not have! I found while checking my credit score And had to search through spam folder to find it! company says will take weeks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
A JEFFERSON CAPITAL SYSTEMS account was opened without my consent or knowledge in XX/XX/2023. I dont even know what kind of account this is or what the company is. I have not applied or attempted to open any type of account for the past year. I tried to dispute this account through XXXX and they did not do anything about it. I have been working on trying to fix my credit, and this specific account made all my hard work go out the window when my credit dropped back down. This was done fraudulently and I am going to try every way I can to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: AZ

Complaint narrative:
XX/XX/2024 I wrote XXXX in regard to the furnishing of my private information. My credit reports from XXXX, Equifax and XXXX all reflect private transaction history. 

The definitions in 15 US 1681a ( d ) ( 2 ) ( a ) ( i ) Consumer Report - Exclusions, says that a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. 

Usage amounts, credit limit and transaction history are still reflecting on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: AZ

Complaint narrative:
XX/XX/2024 I wrote XXXX in regard to the furnishing of my private information. My credit reports from XXXX, XXXX and Experian all reflect private transaction history. 

The definitions in 15 US 1681a ( d ) ( 2 ) ( a ) ( i ) Consumer Report - Exclusions, says that a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. 

Usage amounts, credit limit and transaction history are still reflecting on my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: LA

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit 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 non-monetary relief
Consumer complaint received 2024-03-14 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: LA

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I started to notice errors on my credit report and receiving threatening emails and letters. They also stated that I live in Virginia which I do not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This is a formal complaint against Capital One Bank for suspected securities fraud. On XX/XX/XXXX th, I sent a negotiable instrument as a registered security in certificated form, to be applied to my credit card account ending in XXXX. It was sent in enough time to be applied for on time remittance for the account. Capital One has been purposefully ignoring my correspondence, reported my account late. Then sent a letter XX/XX/XXXX ( my payment is due the XXXX of every month ) stating they decided to close my account due to fraudulent activity on my account, which there has not been. Furthermore, they rejected my registered security, and never sent it back. I would like for the CFPB to investigate this matter, as it is unlawful to reject a registered security, and to either keep, manipulate, or destroy one. It is also unlawful for them to sell that security on the secondary market which I believe they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: PA

Complaint narrative:
I believe according to FCRA 605B, it's mandatory to eliminate any erroneous entries from my credit report. Could you kindly review the documents? Several of the mentioned accounts seem to be incorrect, causing me some distress.

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