vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: OpenRoad Lending
State: KY

Complaint narrative:
On XX/XX/year> I seen on XXXX XXXX an offer to refinance my auto loan through Openroad Lending at a claimed 12 %. I submitted the loan application and received emails and phone calls claiming I was approved after receiving notifications that my credit had been pulled. On XX/XX/year> I had a conversation with a loan specialist with Openroad Lending regarding the application I put in and was told my rate was going to be 11.38 % on an undetermined length of time. They stated they needed to contact my current auto loan lender to confirm my payoff amount because they could see I owed more on the car than it was worth but said should have no issues proceeding with the loan. On XX/XX/year> I received an automated phone call claiming my loan was approved and ready to go. I called Openroad Lending where I learned they still hadnt contacted my current lender. After trying to contact my current lender to no avail they said they would accept a screenshot of my online account displaying my current payoff amount. Shortly after submitting the picture to them I received another notification that my credit had been pulled. I did not know that would happen. Shortly after the credit pull I get a phone call from Openroad Lending where they stated I was approved at over 18 % interest. I said that is not what was offered where they then stated I owed more than vehicle is worth which they already knew from the previous week. I feel like i was deceived about the rate to draw me in with an unapproved credit pull.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: NV

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-09 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: PA

Complaint narrative:
Dear Experian and CFPB, I am writing to formally dispute multiple inaccuracies, unverified entries, and misleading information regarding my credit report as it pertains to the account listed by XXXX XXXX. The discrepancies not only misrepresent my financial history but also significantly impact my credit health and overall quality of life. 

The following inaccuracies have been identified in the report : XXXX. **Unverified and Outdated Information** : The report shows an " Account Status '' of " Derogatory '' with a " Balance '' of {$120.00} and a " Payment Status '' of " Collection/Ch. '' However, the " Last Reported '' date is XX/XX/2024, while the " Date of Last Activity '' is noted as XX/XX/2024. This discrepancy raises serious concerns about the accuracy and timeliness of the information reported, violating my rights under 15 USC 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report.

2. **Misleading Comments** : The report states that the account was " closed at consumers request and dispute resolved, '' yet it also indicates that the " consumer disagrees '' that the account is seriously past due. This conflicting information creates confusion and misrepresents my actual financial obligations. It is crucial for my credit report to reflect accurate information to avoid unjust penalties on my credit score.

3. **Impact on Credit Health** : I have made numerous attempts to resolve these issues with Experian yet each time I reach out, I am met with responses that fail to address the inaccuracies adequately. The ongoing presence of this misleading information severely limits my access to credit, increases my financial burdens, and causes undue stress and anxiety regarding my financial future.

4. **Consumer Rights Violations** : The inaccuracies in this report violate my rights under 15 USC 1681e ( b ) as well as 15 USC 1681i , which allows consumers to dispute inaccuracies in their reports and requires timely resolution of those disputes. 

Given the severity of these issues, I respectfully request that XXXX conduct a thorough investigation into this account and take corrective action to ensure that my credit report accurately reflects my financial history. It is imperative that the necessary updates to my account are completed promptly, as my financial well-being depends on it. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 

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 non-monetary relief
Consumer complaint received 2024-09-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit 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 non-monetary relief
Consumer complaint received 2024-09-10 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I filed a complaint with Wells Fargo and XXXX credit card regarding two fraudulent charges on my account. One was a check that was mailed, and the other was an un-authorized ACH Debit. The check was fraudulently cashed one week later ( on XX/XX/year> ) by an unknown person. Neither Wells Fargo or XXXX can provide any information about this transaction. 

An executive complaint was filed. The complaint number provided to me was 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 2024-09-09 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 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 non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX to my deceased grandmothers bofa checking account thats been closed for at least two years. Neither the bank or school is saying they can do anything and the situation is quite 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 2024-09-09 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: IL

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 non-monetary relief
Consumer complaint received 2024-09-09 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: NC

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have noticed an unfamiliar account on my credit report that isn't mine. I believe this may be due to identity theft or fraud.

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 2024-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Future Judgement Solutions
State: OK

Complaint narrative:
Paid a collection debt in the amount of {$6500.00} on XX/XX/XXXX, XXXX and received a documentation letter stating my debt is PAID IN FULL from XXXX XXXX XXXX. I started receiving a collection call from a second collection agency telling me I was not paid in full on XX/XX/year>. This company is threating me to taking me to court. I sent them the documentation that I paid in full the debt. They said it was paid to a illegitimate collection agency. 
I called the first collection agency and they told me again, my account to XXXX was closed and paid in full. The second collection agency has called several more times and now is telling me I should be hearing from someone from our county clerks office. 
The name of the second collection agency is Future Judgements at FJS Global located in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Midland Credit Management XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MI XXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. 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 non-monetary relief
Consumer complaint received 2024-09-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A victim of identity theft which resulted in several accounts attached to my social security number profile

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 2024-09-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> I applied for a credit card with XXXX XXXX XXXXXXXX. They pulled my Experian credit file the same day ( XX/XX/year> ). 

The XXXX XXXX XXXXXXXX application number is # XXXX XXXX XXXX XXXXXXXX mailed a document request for Identity & Income verfication. I have attached this letter. I mailed the documents & forms back to XXXX immediately, same day I received the letter. 

After many weeks of calling about the status of my application they finally sent a denial letter, XX/XX/year> XXXX months later ( document attached ). I understand sometimes applications result in denial, that is fine. 

The problem is that XXXX XXXX XXXXXXXX processed a SECOND Hard Inquiry on my Experian credit file without my authorization on XX/XX/year>. I only applied for the 1 credit card one time on XX/XX/year>. I never submitted a second application. They took over 2 months to process my application even though I had sent the documents the same day I received a Document request letter from XXXX. I never agreed to them hard pulling my credit well over a month after my application was submitted. 

Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
An unknown account has appeared on my credit report, and I suspect it may be linked to identity theft or fraud.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive found an unrecognized account on my credit report that doesnt belong to me. I suspect it could be a result of identity theft or fraud.

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 2024-09-10 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: MI

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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.

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 2024-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is just a update for XXXX. 

I did not see where to update a open case so I apologize for putting it here. I ha e heard from Transunion who say they will not remove the fraudulent activity from my account. They say to contact the credit union who tells me to contact them. I am going in circles in dealing with both of these companies.

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