vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FEDChex Recovery, LLC
State: MI

Complaint narrative:
I am reaching out to formally file a complaint against XXXX for fraudulently charging me over {$10000.00} for vehicle damages I did not cause. Despite providing clear photographic evidence showing the condition of the car before and after my rental period ( XXXX XXXX XXXX ), XXXX has ignored my dispute and continued to charge me varying amounts every month. 

The owner of the vehicle harassed me during the rental and later falsely accused me of causing damage. They then went to a family friends repair shop to create a fraudulent repair estimate, which XXXX accepted without proper verification. Even after I informed XXXX of this and presented proof that the car was not damaged under my care, they refused to acknowledge the facts and continued charging me. 

This situation has become financially and emotionally distressing, and XXXX refusal to conduct a fair investigation has left me with no choice but to escalate this issue. I am requesting your assistance in addressing these fraudulent charges and holding XXXX accountable for their unethical business practices. 

Please let me know how I can proceed with filing an official dispute through your organization. I appreciate your time and consideration and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
Hello, I am submitting this complaint because I have been trying to get a clear explanation from Upstart and XXXX XXXXXXXX XXXX about my loan, but they are not giving me a direct answer. 

I took out a {$17000.00} loan on XX/XX/year>, with an interest rate of XXXX XXXX. 
But when I checked my TILA Disclosure, it says my APR is XXXX XXXX, which is much higher than I expected. 
Also, I only received {$15000.00} because they deducted a {$1900.00} origination fee, yet I am paying interest on the full {$17000.00}. 
I have already paid almost {$4000.00} in XXXX XXXX, but my loan balance is still around {$15000.00}, which doesnt seem right. 
I have emailed Upstart XXXX times asking : Why my APR is XXXX XXXX instead of the XXXX XXXX that was originally stated? 
Why I am being charged interest on money I never received ( {$1900.00} ). 
If they can recalculate my loan to reflect fair terms. 
They keep ignoring my main questions and just send me standard responses that do not explain anything. 

I am asking CFPB to help me get a clear breakdown of my APR and loan charges and to make sure I am being charged fairly. I also want my loan terms reviewed so that I am not overpaying unnecessary interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: AL

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 Name : ** XXXX XXXX : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My Equifax Credit Report Upon reviewing my Equifax credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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 explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
I recently paid off several collection accounts in full, as my credit report indicated that doing so would result in a XXXX increase for each account. However, after making the payments and waiting for the update, my credit score only increased by approximately XXXX points, rather than the expected total. 

One of the most frustrating aspects of the credit reporting system is the inconsistency in how information is updated. Negative remarks, such as missed payments or collections, are reported to the credit bureaus almost instantly, often causing immediate damage to ones credit score. In contrast, positive updatessuch as payments made on time or full repayment of outstanding debtstake significantly longer to reflect on a credit report. This disparity is not only unfair but also makes it unnecessarily difficult for individuals to rebuild their credit. 

If negative information can be reported in real time, then positive updates should follow the same standard. Creditors and credit bureaus should ensure that all updateswhether positive or negativeare processed and reflected in a timely manner, providing consumers with a more accurate and fair representation of their financial behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AR

Complaint narrative:
Company continues to show late payments even though payments are made thru XXXX XXXX. Company raised my interest rate to XXXX when the signed interest rate was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: SC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-17 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: FL

Complaint narrative:
The accounts should not be listed on my report. 

XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX collection account. 

I have sent police reports and ftc fraud affidavit to the companies directly as well as the credit bureaus.

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 2025-02-17 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: GA

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We called Chase Card Services on XX/XX/year> and asked the customer representative ( XXXX ) to cancel the card. He confirmed that the outstanding balance was {$8800.00}, so we processed the payment of {$8800.00} on XX/XX/year>. There were some pending charges that had not yet appeared on the statement. The customer representative did not mention these pending charges, nor were we able to see them on our statement. The net pending charges amounted to {$730.00}. 
We were under the impression that the payment was up to date and the card account was closed. We did not receive any email alerts or other notifications regarding an outstanding balance, leading us to believe there were no further issues. We have used the Chase card for more than XXXX years and have never defaulted on any payments. Therefore, the non-payment of {$730.00} was due to a lack of communication from Chase Card Services. Additionally, the customer representative XXXX XXXX XXXX did not inform us of any pending charges or the need to check our statement for any remaining balance. Since we have opted for paperless statements, Chase failed to email us any alerts regarding the pending balance or a new statement after XX/XX/year>. 
It wasn't until XX/XX/year>, when XXXX checked his new credit report, that he realized there was an outstanding balance, which had negatively impacted his credit rating. We called Chase to ask for an explanation regarding the lack of communication about the balance due, but they did not provide a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: CT

Complaint narrative:
Does not understand that the debt does not belong to me. My father and I go by the same name. 

Creditor ABSOLUTE RESOLUTIONS I Phone number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-17 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: NV

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I Purchased the car XX/XX/XXXX with a Loan Amount : {$29000.00} financed by Exeter Finance for a Loan Term : 72 months ( scheduled payoff XX/XX/XXXX ). I was granted XXXX Extensions during the term of the loan ( pushing payoff to XX/XX/XXXX ) Despite making my final scheduled payment in XX/XX/XXXX, I was unexpectedly billed {$11000.00} as " accrued interest '' on deferred payments. At no point during the extension process was I informed that additional interest would be capitalized in this manner. My attempts to dispute this charge have been met with resistance, and Exeter has since charged off the debt, damaging my credit, and has placed my vehicle for repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NY

Complaint narrative:
I would appreciate it if you could swiftly remove the fraudulent entries from my credit report this time since I already file a complaint way back due to this situation, as well as take the necessary steps to correct any inaccuracies or fraudulent activities. I have attached documents from the relevant authorities to support my claims.

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 2025-02-17 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 would appreciate it if you could swiftly remove the fraudulent entries from my credit report this time since I already file a complaint way back due to this situation, as well as take the necessary steps to correct any inaccuracies or fraudulent activities. I have attached documents from the relevant authorities to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
FCRA 604 ( 15 U.S. Code 1681b ) FCRA 611 ( 15 U.S. Code 1681i ) FCRA 609 ( 15 U.S.

Code 1681g ) i am writing to formally dispute and request the immediate removal of the following unauthorized fraudulent Accounts from my XXXX credit report : FRAUDULENT ACCOUNT : WFBNA CARD ; XXXX, {$2900.00}, this Account were OPEN without my authorization and are fraudulent and are a violation of my consumer rights by BEING REMOVED AND PUT BACK ON MY CREDIT REPORT under the FEDERAL CONSUMER REPORTING AGENCY ( FCRA ). Specifically listed above. 
According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has accounts listed

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 2025-02-17 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-17 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: LA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
I've been constantly harassed by company called monarch recovery for past 6 months they refuse to take me off lists and claim I owe some debt I'm unaware of I just want the calls to stop I keep waking up my wife who pays the bills working 6 days week most weeks, it's getting ridiculous!!!! I just want the calls and harassment and mean phone calls to just stop

Company response to consumer: Closed with explanation