vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I purchased a car on XX/XX/XXXX for my daughter from XXXX in AZ. A {$4000.00} down payment was made and a loan was taken out for approx. $ XXXX $ XXXX. I was told my first payment would be due on XX/XX/XXXX. Since XXXX, I have received XXXX postcard to create an online account. That was done then a few days later it seems my account was removed and I can't access it. 
On XX/XX/XXXX I called and was told that my account was " pending paid in full ''. I was told I would get a call back when it was researched. No call back was made to me. 
On XX/XX/XXXX I called again. The automated system said there was no record of me. I spoke to someone who said there are notes on my account and there are " definitely errors ''. They said they were escalating to a supervisor to fix it and I'd get a call back. No call back was made. 
On XX/XX/XXXX I messaged the bank on XXXX after I saw LOTS of complaints. They replied on XX/XX/XXXX that someone would call me. No one did. 
On XX/XX/XXXX I called and was told my account appears as a {$0.00} balance and the car dealership made a {$4000.00} payment to my account ( probably my down payment? ). Told I would get a call back. No call was received. 
On XX/XX/XXXX I messaged again on XXXX telling them no one has contacted me. No response. 
On XX/XX/XXXX I received a call from the XXXX XXXX XXXX XXXX. She gave me the name of the person that is working on my account and said they will call me. XXXX XXXX, option XXXX, option XXXX, ext. XXXX and he works XXXX eastern. I have not talked to XXXX or received a call from them. 
On XX/XX/XXXX - I used their automated system to make a payment of {$600.00} confirmation # XXXX to make sure I don't have a late payment. 
On XX/XX/XXXX I called and left a voicemail to call me back. No one has called me. 
On XX/XX/XXXX I called and got XXXX. She told me that she does see XXXX is supposed to work on my account. She would reach out to him to contact me and my account is still under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/year>, I filed a bankruptcy. XXXX XXXX and XXXX have both updated their accounts with my Bankruptcy. Equifax, however, has not they still keep reporting me late on all of my bills. They still saying that Im delinquent on everything they still show I havent paid my bills. I called them on three different occasions they asked me to send in my proof of bankruptcy as well as copies of my Social Security card my drivers license and a statement I have done this three times Ive called after each time and they said they never received it. I asked if I can provide something that someone can sign so I know that they do receive it and they dont have anything because they work off of a XXXX XXXX this is getting ridiculous. I cant apply for any other loans to build my credit back up because I keep getting denied because all of my bills are showing delinquent because people run through Equifax. I am not sure what else to do. I provided them everything that they have asked for every time I call I wait on hold for over an hour until I finally get someone and they tell me they dont have my documents. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: AZ

Complaint narrative:
My loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.

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 2024-10-10 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 recently reviewed my credit reports and noticed an account reported a late payment that that has never been late. The consumer reporting agencies need to report all information with accuracy. I have attached my reports with the inaccurate error with XXXX XXXX  LATE PAYMENT IN XXXX of 2024.

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 2024-10-10 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: GA

Complaint narrative:
I recently reviewed my credit reports and noticed an account reported a late payment that that has never been late. The consumer reporting agencies need to report all information with accuracy. I have attached my reports with the inaccurate error with XXXX XXXX  LATE PAYMENT IN XXXX of 2024.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
" I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists ''

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 2024-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo engages in criminal misconduct with the management of my account. Furthermore, Wells Fargo does not comply with banking regulations with respect to handling consumer disputes. More to the point, Wells Fargo Bank flat out lied with respect to XXXX ( XXXX ) disputes issues with the bank. See attached. The disputes specifically surrounded " Goods or Service not as advertised/described/expected, '' or otherwise criminal in nature or not within the stream of commerce regarding expected behavior. Wells Fargo, which is Woke aligned, or otherwise criminal in nature, responded a few short days later, alleging that the " Items were authorized. '' This is a misrepresentation. Furthermore, as of XX/XX/year> Wells Fargo has, now, refused to allow me to initiate a dispute against the same criminal actor XXXX  ( XXXX ). These actions, again, are criminal in nature and entirely inconsistent with consumer/banking regulations.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank has been reporting a duplicate charged off credit card account on my XXXX and refuses to remove the duplicate. The information and dates are reporting inaccurately across all 3 credit bureaus and I have disputed this information via letters, online with XXXX XXXX, and online through the dispute centers with all 3 credit bureaus. When I called Barclays to settle the account in an attempt to have the information updated and reported accurately, I was told they have my complaints flagged and filed in their system but are unable to do anything. The accounts showing as closed and charged off are of the same account number with the same balance - indeed a duplicate. 

This adversely harms my credit report and score as it is appearing as an entirely additional charge off which is a serious derogatory account and affects my ability to get approved for other loans and a mortgage.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Self Financial Inc.
State: NV

Complaint narrative:
I have been using the company self Incorporated financial since the beginning of XXXX of 2023. I have been making payments on time with no problems, until few months ago my utilization percentage rate keeps going up and now it's gone to up to 100 %. my score keeps going up and down and I believe my account is being tampered with. I call and talk to customer service they explain to me different reasonings, or that's not even the problem what is happening with my account. Customer service is not really helpful with my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.

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 2024-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial
State: GA

Complaint narrative:
VALIDATION Dear, West Creek Financial I recently noticed a debt collection from you on my credit report. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This complaint is an updated submission related to my previous complaint against XXXX and Equifax. My original complaint did not include complete information about the debt inaccurately reported by XXXX XXXX XXXX. 

The original creditor for this debt is XXXX XXXX  ( XXXX  XXXX XXXX  ), not XXXX XXXX XXXX. This account has been illegally re-aged and is listed with a false Opened Date of XX/XX/year>. The original delinquency date is over 7 years old, making it time-barred under the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, the credit bureau has failed to verify the accuracy of this information, causing a XXXX drop in my credit score and impacting my financial health. 

Previous CFPB Complaint ID : XXXX and XXXX Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: TN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank closed my Macy 's American Express card due to inactivity without asking me if I still wanted to use the account. Then a few years later they said they were re-opening my regular Macy 's store card and send me new cards. When I went to use them, the had closed the account without notifying me. This is fraudulent on Citibank 's part.

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 2024-10-10 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act. violated my Federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681... Account Name... XXXX  XXXX ... Account # XXXX ... Account name.. XXXX XXXX ... Account # XXXX ... Account Name... XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ... Account Name... XXXX XXXX XXXX Account # XXXX XXXX Account Name... XXXX XXXX... Account # XXXX... 15 U.s.c 1681 section 602A. States I have the right to privacy ... 15 u.s.c 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions .... 15 u.s.c 1681C ( A ) ( 5 ) section states ' No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years.. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: MS

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report, filed on [ date of original dispute ]. Despite my prior communication, these inquiries remain on my report, causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I dont know exactly how it happened, but I tried to open a checking account and the bank on XX/XX/year> and told me that there were multiple consumers associated with my social I did a complaint to XXXX XXXX Equifax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I dont know exactly how it happened, but I tried to open a checking account and the bank on XX/XX/year> and told me that there were multiple consumers associated with my social I did a complaint to Experian , XXXX  , XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: NY

Complaint narrative:
Experian reports 2 late payments on my credit file but does not indicate who it's from. All my reports show all on time payments. When I click it, it brings me to my XXXX XXXXXXXX credit card accounts, that all have perfect payment history with ni late payments.

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 2024-10-10 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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