vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AUTOMOTIVE CREDIT CORPORATION
State: CO

Complaint narrative:
I was a victim of domestic XXXX and I was coerced into co-signing an automobile loan. I did not benefit from this agreement, I did not drive or ride in the vehicle. The loan defaulted and the vehicle was repossessed during the XXXX pandemic. Due to the mandatory lock down, I did not have money to pay the late payments. 
After an incident with law enforcement arresting my ex, I left the relationship. I am unable to get approved for any type of loan. I can not open bank accounts. I can not rent an apartment, I can not buy a car. I can not rent a car because I do not have a credit card. 
I notified the 3 credit bureaus and placed a freeze on my reports.

I sent a copy of the police report to the finance company and they refused to remove me from the loan.

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 2024-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: OR

Complaint narrative:
The principal loan amount was {$12000.00}. I have since repaid them a total of {$16000.00}. 
I lost my job and could not make payments for XXXX, XXXX, and XXXX. 
On XX/XX/XXXX, they offered to settle the account with 60 % off the balance due. On XX/XX/XXXX, I emailed back, saying I would like to settle. No one responded, so I called. They told me a settlement agent would call me back. Nobody called. I called again on XX/XX/XXXX, and they told me they rescinded their offer to settle and demanded the entire amount due, reporting to XXXX that I am 120 and 60 days past due on the account. They reported incorrect amounts to the credit agency, purporting that I owed {$2600.00}. Whereas the actual balance would have been {$1100.00}. If they had honored their offer to settle, I would have already paid off the account. They are harassing me daily with calls and emails and preying on me. The settlement agents ignore me altogether. I have called at least 11 times since XX/XX/XXXX to settle the account, and they refused, demanding that I make another payment before they consider it. They then reported to my credit report that I was delinquent and inflated the amount due. I made another combined payment of {$1200.00} ( XXXX XXXX {$650.00}, and XXXX XXXX XXXX ), which would have been more than the amount they requested in the settlement. I tried calling on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, and every time they tell me a Settlement agent is unable to speak with me, but that they would put in a call back request. I just wanted to let you know that nobody ever calls back. 
Meanwhile, they charge interest daily. They intentionally ignore me to maximize their profit. They have continuously lied and misled me. I need your help to get them to leave me alone and stop ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
I discovered errors on my credit report related to my name. Despite submitting proof of my correct name, the errors have not been corrected by the credit bureaus : XXXX, XXXX, TransUnion ). 

I initially contacted the credit bureaus on XX/XX/year> I provided proof of my correct name, including ID, and other documents. 
I have received automated responses but no resolution to the issue. 

These errors are impacting my ability to get a loan Received automated responses but no resolution. XX/XX/year> I requested that the name errors on my credit report be removed. I sent in proof of my name and requested they remove name errors as well as associated accounts with name errors such as XXXXXXXX XXXX and XXXX XXXX XXXX I keep getting automated responses - filing complaint for

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 2024-07-12 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: CA

Complaint narrative:
I discovered errors on my credit report related to my name. Despite submitting proof of my correct name, the errors have not been corrected by the credit bureaus : Equifax, XXXX, XXXX ). 

I initially contacted the credit bureaus on XX/XX/year> I provided proof of my correct name, including ID, and other documents. 
I have received automated responses but no resolution to the issue. 

These errors are impacting my ability to get a loan Received automated responses but no resolution. XX/XX/year> I requested that the name errors on my credit report be removed. I sent in proof of my name and requested they remove name errors as well as associated accounts with name errors such as XXXXXXXX XXXX and XXXX XXXX XXXX. I keep getting automated responses - filing complaint for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: FL

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account names Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : 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 report containing any of the following information items. Any other adverse item of information, other than records of convictions of crimes which antedates the report than seven years.

15 U.C.S. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: LA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-12 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 in 60 days to be removed.

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. 


XXXX XXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports 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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-12 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: NJ

Complaint narrative:
Dear Consumer Financial Protection I hope this letter finds you well. I am writing to bring to your attention an issue regarding credit inquiries on my credit report that have not been removed as required by law. 

On XX/XX/year>, XXXX credit inquiries were made on my credit report : XXXX from XXXX XXXXXXXX via Dealer and another from XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ), these inquiries are supposed to be removed from my credit report after XXXX years from the date they were applied. However, despite the passage of time, these inquiries have not been removed. 

I kindly request your assistance in investigating this matter and ensuring that these inquiries are promptly removed from my credit report as mandated by law. Enclosed with this letter are copies of my credit report highlighting the inquiries in question for your reference. 

Please feel free to contact me at ( XXXX ) XXXX, you require any further information or documentation from my end to expedite this process. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration. 

Sincerely, 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 2024-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Demand to Wells Fargo bank to stop filing robot-generated responses with absurd statements and RETURN me my ORIGINAL documents - original Promissory Note, original Mortgage and original Assignments if any and a release of all lies wet ink signed by an authorized employee of the Creditor since the property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX was sold and I am entitled to have my original documents back along with wet-ink signed releases of all liens to prevent multiple liabilities.

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 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions 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 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 2024-07-12 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: NJ

Complaint narrative:
Upon checking of my credit report, I noticed that there are a lot of inquiries I don't recognize. I never gave these companies permission to pull up my credit report, applications were done in my name- I don't know what they're doing with my information or how they managed to get it without my authorization, it's seriously stressing me out it's taking a toll on my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

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 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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
The lease in question ended at the end of XX/XX/year>. I was granted an extension to purchase the vehicle. The lease extension was through XX/XX/XXXX. I sent Toyota a bank check for the full purchase amount which was received by Toyota on XX/XX/XXXX ( XXXX XXXX XXXX XXXX ). Toyota is now reporting the lease as delinquent.

I called Toyota on XX/XX/XXXX after I became aware of the status of the lease. Toyota indicated that they are experiencing a delay in processing the end of the lease. Toyota stated it is taking them about 30 days to complete the lease end process. I emphasized to Toyota that the information on my credit report was incorrect. Toyota offered to e-mail a letter stating that the lease has been paid as agreed. Toyota stated the letter would be sent via e-mail within the next 48 hours. No letter has been received. The status of the lease is still being misreported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
So on XX/XX/year> ; I went out with friends for a few drinks in XXXX since I am XXXX XXXX currently XXXX. When I paid using my Apple Card in my Apple wallet a few hours later I started receiving fraudulent charges across XXXX different cards That were in my Apple wallet. I have already disputed the XXXX other credit cards that were compromised and they were already handled by XXXX XXXX, and XXXX XXXX properly. The charges onto my Goldman Sachs Apple Card for {$1700.00}, {$1500.00}, and {$930.00} all charged from XXXX XXXX, all transactions were put on a temporary credit until a final decision could be made. I have now been told that the fraud decision was reversed and that I would be responsible for charges that were not made by myself. Then on XXXX XXXX my Apple Card number was stolen again by a company called XXXX XXXX for XXXX. Again I was not near any of the place of businesses when these charges occurred, and with being in a XXXX XXXX XXXX XXXX XXXX it has been near impossible to get anyone to cooperate. I have now since appealed the reversal decision with Apple Card support. XXXXXXXX XXXX  and XXXX XXXX have closed their investigations with crediting the accounts properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-12 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: FL

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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