vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name XXXX XXXX XXXX XXXXN Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXXXXXX has now infiltrated 2 of my credit reports in an attempt to insert fraudulent filesXXXX XXXX XXXX XXXXXXXX has stated they have a XXXX account under my name. I have had XXXX XXXX  and phone for over a decade. XXXX XXXX XXXX never notified me with a letter and instead market credit down for an account they fraudulently made and hope to sneak on while Transunion and Equifax have legal issue. XXXX XXXX XXXX XXXX XXXXXXXX should be held liable for this deceptive measure

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 2025-02-21 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: NC

Complaint narrative:
On XXXX, 2024, I called to request a payment arrangement to Westlake Portfolio. First, they told me that the date was too far out which it was 8 days from the date I was willing to pay. Then I was told by representative to call back the following week XXXX asked did they want my card information to have on file to have them take out money the following week. They told me that it was not necessary. A week later, the vehicle was repossessed before the week was up for them to call back with a date to make a payment. 

When the car was repossessed, I was told that I had up to XXXX to come up with the money to take pay in XXXX NC. After the ten day period, they would move the vehicle to an auction place in XXXX. I have a week to come up with that before moving car to another place or sell the vehicle. 
After the week period, when I had the money, I had to travel to XXXXXXXX XXXX which I had to ride an XXXX and paid almost {$200.00} to get car back. When I got to the place, my tires was flat and my tag was not in vehicle. I then had to travel to XXXX, NC to retrieve all my belongings. I paid a total of {$1200.00} includes XXXX rides to XXXX, NC and XXXX NC. This was the most frustrating experiences ever. When I called to see if there were any options to have vehicle to closer location, they would not help in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
Account has been charged off several times and still has a balance.Ive yet to receivemy 1099.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

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 2025-02-22 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-22 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: MI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for their failure to correct inaccurate reporting on my credit file, specifically regarding an auto loan account with XXXX XXXX XXXX ( Account # XXXX ). Despite multiple disputes, they have wrongfully verified inaccurate and misleading information in violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
Details of the Inaccuracy : 1. False Past-Due Balance : The account is reported as Voluntarily Surrendered/Never Late, yet it still reflects a past-due balance of {$7200.00} as of XX/XX/XXXX. Since the vehicle was surrendered in XX/XX/XXXX, no past-due balance should exist. 
2. Incorrect Last Payment Date : The last payment date is falsely reported as XX/XX/XXXX, even though the vehicle was surrendered in XXXX. 
3. Harm to My Credit Score : The continued reporting of a false balance on a closed and surrendered account is causing significant harm to my credit score by inflating my credit utilization ratioone of the key factors in credit scoring. This is materially misleading and damaging to my financial standing.

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 2025-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management , LLC is trying to collect from an emergency room visit at XXXX XXXX XXXX XXXX XXXX GA in XXXX. The bill was paid in full by my insurance company and I have an XXXX  stating as such. In addition, the billing department at XXXX confirmed that they do not use Credence for debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: TX

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The date of the first delinquency that they/you have does not match the date that I have, under 15 USC 1681 BE, you must provide maximum possible accuracy and I am taking into consideration that the CFBP is suing you as well, Im also requesting full disclosure of the XXXX of my profile. 
Plus charges on interest on late payments are outrageous and on this economy is almost impossible to keep up even when you are good making your payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America *unbelievably* closed both my checking and credit card accounts without giving me any notice! They claim they sent me a couple of emails and letters, but I never received anything from them. However, I *did* receive a refund check and plenty of marketing emails and account statements. How does that even make sense?! 

This is a total breach of trust. Closing my accounts without a word is beyond unprofessionalit 's shady. Even after shutting them down, they didn't offer any explanation or reason. I only discovered my accounts were gone when I logged into the portal and found them *completely* missing. 

I have direct deposit from my paycheck going into the Bank of America checking account, so theres more than enough activity to justify keeping the account open. My credit card had a purchase as recent as six months ago. And to top it all off, I lost around {$100.00} in cashback rewards! This is unacceptable, and Im beyond frustrated.

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 monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
On Saturday, XX/XX/XXXX my son and I went to XXXXXXXX Toyota XXXXXXXX to look at a XXXX XXXX XXXX. When we got there they told us they didn't have it in the log any longer. They showed us a XXXX XXXX XXXX instead. My son drove a XXXX XXXX XXXX and wanted a smaller truck. We received an estimate for trade-in at XXXX which they valued at {$40000.00}. The XXXX Toyota dealership was able to match the trade so I thought until I saw all the improper added-on fees they failed to disclose. Further, they also failed to disclose an added-on " Lifetime '' oil fee of {$790.00} and Toyota GAP of {$1200.00}. They also did not disclose the extended service contract fee including a tax of XXXX totaling {$2700.00}. I thought I was financing {$42000.00}, not {$46000.00}. They had me initial and sign the documents electronically. I feel duped and taken advantage of. The difference of {$4100.00} is a significant amount to be additionally financed and it wasn't disclosed. I didn't even get the terms of the loan or what the interest rate ended up being. I feel I was unreasonably treated and deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXXXXXX has now infiltrated 2 of my credit reports in an attempt to insert fraudulent filesXXXX XXXX XXXX XXXXXXXX has stated they have a XXXX account under my name. I have had XXXX XXXX  and phone for over a decade. XXXX XXXX XXXX never notified me with a letter and instead market credit down for an account they fraudulently made and hope to sneak on while Transunion and Equifax have legal issue. XXXX XXXX XXXX XXXX XXXXXXXX should be held liable for this deceptive measure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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 am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX # XXXX XX/XX/year> -- {$640.00}

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I Express my concerns regarding sales handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelle numerous of times and reporting discrepancies my financial institution and failed to investigate my clothes adequately they informed me that recovering loss lines was impossible, and the tracking these transactions was unfeasible the CFPBs findings indicate the deal has not only neglected to protect consumers, but has also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams this lack of accountability and transparency is unacceptable concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Fraudulent inquiries Occurred on my report XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Home XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize this inquiry. I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation