vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm a Customer of XXXX XXXX XXXX, I have an Auto lease from them. 
my account was set up on AutoPay and they were drawing the money each month automatically. the lease maturity date was on XX/XX/2021, so I called 2 times on XX/XX/2021 in order to extend the lease. XXXX approved my lease to be extended till XX/XX/2021. Since the Account was set up on AutoPay I thought they are pulling the money automatically like they did every other month during the time of the lease and since the representative on the phone didn't mention anything about the AutoPay getting canceled. I called again on XX/XX/XXXX, XXXX and I've been told that everything is ok and the representative didn't mention anything about a payment past due and he just said that everything is ok with the account. after checking my credit I noticed a late payment reported on my report for the month of XX/XX/2021. I called XXXX to check what's going on they told me that the AutoPay got canceled since the maturity date of the lease was due on XX/XX/XXXX, XXXX and therefore I'm late for over 30 days. 
I've been trying to explain to them that when I called the representative didn't mention anything about it and even when I called 2 days after the payment due date I've been told that everything is ok with the account and no action needs to be taken. 
I never had a late payment on any of my accounts I'm a very responsible person and I understand my financial obligations. please help me fix this issue ASAP. 
I'm planning to apply for a mortgage and it came to my attention that the missed payment on my record could hurt my ability to qualify.

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion is violating my consumer rights, damaging my creditworthiness, & sabotaging any chances of securing a new home for my family. Im currently trying to rent/buy a home for me and my family but inaccurate information on my TransUnion credit report is preventing me from doing that. TransUnion is not using reasonable procedures to assure maximum possible accuracy of information on my consumer credit report. The alleged accounts : 1.XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). 2.XXXX XXXX XXXX ( Original Collector : XXXX  ). There is no proof and/or documentation that these alleged debts belong to me. I even sent written communication directly to the debt collectors and they were unable to provide me any validation of the debt pursuant to FDCPA. If the debt collector is unable to validate the alleged debt how is TransUnion able to verify this debt? I sent written communication to attempt to resolve this issue with TransUnion ( See attached documents : Exhibit A ) but they refuse me a proper investigation pursuant to the FCRA. I asked in my written letter to TransUnion to be provided with verifiable proof of the alleged debts and the procedure used to determine the accuracy and completeness of the information. They never provided me this information. Im invoking my specified remedy as a consumer. I demand these accounts be immediately deleted from my TransUnion credit report. Once deleted I demand an updated credit report be sent to any person you furnished my credit report to within the last 12 months. Im looking to move my family into a new home in the next 30 days ; an expedited response will be truly appreciated! 

See attached documents : Exhibit A - Copy of written communication to TransUnion on XX/XX/2021 disputing alleged accounts.

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CB1, Inc.
State: MT

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Account was opened in my name without my permission- Refer to The Below Alert I have been made awareness of the responsible person is that has been using my identity for some time now without consulting with for my permission or anything of that nature.. 

XXXX REPORT STATES : Account Details High Credit {$18000.00} Owner UNDESIGNATED Credit Limit {$32000.00} Account Type REVOLVING Balance {$1700.00} Date Opened XXXX XXXX, XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount $ XXXX Months Reviewed 12 Delinquency First Reported Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Flexible Spending Credit Card Date Closed Date of First Delinquency Comments Contact CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
1. td bank - wrongly posted a late payment on my XXXX  credit report on - XXXX XXXX. 2. TD BANK has admitted their error in writing. 3. i have explained & uploaded the letter to XXXX the letter from XXXX & XXXX. 4. but after 30 phone calls, 80 hours of phone & internet time, nothing has changed! 5. I HAVE A LETTER from TD BANK saying i did nothing wrong, td was at fault & it requests that XXXX remove the late posting 6. i am a XXXX XXXX XXXX XXXX, and XXXX XXXX  and thus situation is making my health worse. 7. its also costing great physical & financial problems. - i NEED HELP! please help me in this matter. sincerely.. XXXX XXXX, XXXX and XXXX XXXX emoji derogatory information immediately. XXXX  theres nothing at all, they seem to only care about the corporations, and not the individual who needs help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
company was asked to update my address and remove all previous address and correct birthday and remove place of employment. Letter was sent out XX/XX/21 and i have got no response.

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
company was asked to update my address and remove all previous address and correct birthday and remove place of employment. Letter was sent out XX/XX/21 and i have got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
company was asked to update my address and remove all previous address and correct birthday and remove place of employment. Letter was sent out XX/XX/21 and i have got no response.

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 2021-09-20 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
IN XX/XX/2020 AMERICAN CREDIT ACCEPTANCE CHARGED OFF MY LOAN WITH A BALANCE OWEING {$9500.00}. Since then I have paid off the balance and over {$2000.00} more since they say that there are interest charges. I recently found out that after a vehicle is charged off, it STOPS occuring interest. I have also provided them with my bank statements, receipts and their confirmation emails of all payments made since the charge off and, they still haven't sent the title to my car, but instead, they sent it out for repossession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This account is inaccurately and erroneously reporting. Theyre intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I gave back a XXXX to XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. XXXX closed the account formally in XX/XX/XXXX and told me they were writing the car off, and said I didn't owe them anything. They said the debt that was written off may be sold to a third party but I had no obligation to them. No one ever contacted me regarding this. 

In XX/XX/XXXX, I was buying a home and disputed the presence of this closed debt with XXXX XXXX XXXX with approx. $ XXXX balance. XXXX apparently REOPENED the account at that time and turned it active! Transunion dropped my credit score 123 points and started reporting late payments for an account that had been closed almost 6 years. 

I called XXXX, and they apologized for their mistake and immediately closed the account. XXXX and XXXX immediately restored my credit score. However, Transunion continues to this day to report missed payments on this CLOSED account. I never once missed a payment on this vehicle. I negotiated with XXXX to give the car back for sale in XXXX. 

I need XXXX to restore the original official account closing date ( XX/XX/XXXX ) and remove any reports of missed payments on this account. Also, I need Transunion to restore my credit score of 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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I gave back a Lexus to Lexus ( Toyota Motor Corp ) in XX/XX/XXXX. Lexus closed the account formally in XX/XX/XXXX and told me they were writing the car off, and said I didn't owe them anything. They said the debt that was written off may be sold to a third party but I had no obligation to them. No one ever contacted me regarding this. 

In XX/XX/XXXX, I was buying a home and disputed the presence of this closed debt with Toyota Motor Corporation with approx. $ XXXX balance. Lexus apparently REOPENED the account at that time and turned it active! XXXX dropped my credit score 123 points and started reporting late payments for an account that had been closed almost 6 years.

I called Lexus, and they apologized for their mistake and immediately closed the account. XXXX and XXXX immediately restored my credit score. However, XXXX continues to this day to report missed payments on this CLOSED account. I never once missed a payment on this vehicle. I negotiated with Lexus to give the car back for sale in XXXX. 

I need Lexus to restore the original official account closing date ( XX/XX/XXXX ) and remove any reports of missed payments on this account. Also, I need XXXX to restore my credit score of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
There was fraud in my XXXX account. A purchase was made and delivered to a fraudulent address in California. 

I immediately contacted XXXX who said, " We can not stop or apply credit for merchandise that has already been delivered. Please dispute this charge through your credit card company and we will agree to the credit. '' Unfortunately, the product was delivered so quickly I was left without recourse. 

I filed a dispute with American Express who quickly denied the dispute and claim I am responsible for the charge. 

My first knowledge of this charge was a delivery notice to the fraudulent address. I immediately contacted both XXXX and AMEX, both of whom refused to provide credit for the fraudulent purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
This account is showing as a closed account with XXXX balance on the system. However, this account keeps being run through all three credit bureaus as an active account. As a result my credit score is Lowering not only for this but multiple collections on the same account but for different amounts. This account has aged out and shouldnt even be on my credit report. This is an extremely old account. This company is saying they just found me. Ive lived at the same location since 2010. This account is marked as a charge off and I shouldnt still be penalized for it as an active account. Im being severely hurt by multiple reporting for the same account

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 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I wrote to the company in XXXX to dispute the debt from XXXX XXXX XXXX after the first dispute it has been passed on to another Collection Agency and have failed to send anything with my signature or an original signed contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2021 my Equifax credit score plummeted by -XXXX  points! However there had been no changes to my Equifax credit file except for the XXXX  point drop to my Equifax credit score. 

On XX/XX/2021 my Equifax credit score dropped -XXXX  points. The only changes to my Equifax credit file actually shows a DECREASE of {$770.00} to one of two credit card accounts of which accounted for over 50 % + of all debts owed and brought my debt/income ratio from 100 % down to 54 %. If anything this should of had a positive impact on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I noticed an account and multiple inquiries on my credit report I do not Recognize

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I noticed an account and multiple inquiries on my credit report I do not Recognize

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I noticed an account and multiple inquiries on my credit report I do not Recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: MI

Complaint narrative:
I wrote to the company in XXXX to dispute the debt from XXXX XXXX XXXX after the first dispute it has been passed on to another Collection Agency and have failed to send anything with my signature or an original signed contract.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied for an American Express card and they sent me a letter in the mail stating that i was denied at this time because of fraudulent information they received from my consumer report, this is unauthorized use as defined under TILA 15 usc 1602 ( p ) i received no benefit from this consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells took my home in a illegal Short Sale. Which was a Conflict of Interest.

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
Original loan with One Main Financial was in good standing, we paid it down refinanced it and opened a new loan in its place. However they charged off original loan instead. The new loan was given debt forgiveness due to a class action suit in which we had to pay taxes on from Tax forms given and received. They are not only reported our account for non payment on both of these accounts. But charged them off. We have multiple collections for the same loans with different amounts and different dates with multiple collections companys. In Addition for a loans that arent even ours for a XXXX XXXX whos remarried name is XXXX XXXX. This is FRAUD ALL THE WAY AROUND. The company was sued yet were being penalized. I have 5 loans from this company reporting that Im not responsible for. We paid taxes on this. All loans from this company misapplied. Ive written multiple times giving complaint to all credit bureaus and companies.One Main financial wont give documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I feel based on my evidence I have overpaid the loan the company has recorded loan terms of 73 my contract loan terms are 72 months and I have been making payments of {$400.00} to {$450.00} for the last 12 months

Company response to consumer: Closed with explanation