vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { Date } XX/XX/XXXX Dear { XXXX/Experian/XXXX }, Subject : Dispute of Charge-off on my Credit Report I am writing to formally dispute the accuracy of a charge-off that appears on my credit report, which I obtained from your bureau. The account information in question is listed as follow : XXXX ACCOUNT NUMBER XXXX { DATE } XX/XX/XXXX XXXX XXXX  ACCOUNT NUMBER XXXX { DATE } XX/XX/XXXX XXXX XXXX  ACCOUNT NUMBER XXXX { DATE } XX/XX/XXXX XXXX XXXX  ACCOUNT NUMBER XXXX { DATE } XX/XX/XXXX XXXX XXXX  ACCOUNT NUMBER XXXX { DATE } XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX { DATE } XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX { DATE } XX/XX/XXXX I believe this information is inaccurate and does not reflect the true status of my account was settled, paid in full, is not mine, or the reporting date is incorrect. } Under the Fair Credit Reporting Act { FCRA }, I have the right to request an investigation into this matter and ask that any incorrect information be corrected or removed from my credit report. Please investigate this charge-off and provide me with the results of your findings. If this information can not be verified, I request that it be deleted from my credit report.

Please send written confirmation that this charge-off has been investigated and the outcome of your findings within 30 days as required by law. 

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 2024-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: WA

Complaint narrative:
I had a vehicle that I got a loan for and I paid money on the loan lost my job about 8 months after I got the loan they ended up repossession my vehicle I never got any notice on anything after they got my vehicle back in procession. And now on my credit report that have the original loan amount as to what I owe on the vehicle and won't tell me what happen to my vehicle. If I was sold how much it was sold for nothing. I can't get them to tell me anything. I believe that this loan should be completely removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: NY

Complaint narrative:
Despite my repeated attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued inclusion of these items has severely impacted my life, causing significant stress and XXXX. It is important to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.

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 2024-10-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has consistently been deceptive. Loans should be resolved. Administrative forbearances were placed on private loans for years without my knowledge or consent. During this time, I had a demonstrated inability to repay these loans and they should have been defaulted and charged off. Instead they were held onto for 14 years. I am concerned that these practices and others go against Consumer Protections like the right to be informed and fair debt practices. I am concerned that the lack of transparency, or information provided to me or available to me has prohibited my ability to repay and resolve these loans. These loans have been on my credit reports for over 20 years and have significantly impacted my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I was giving a forbearance and my loans were paid off and then XXXX Aidvantage student loan place said they bought my loans and now I had to pay them when my loans were paid for. Now they got my loan start dates on days and years I was never in school at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite my repeated attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued inclusion of these items has severely impacted my life, causing significant stress and XXXX. It is important to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: NY

Complaint narrative:
Despite my repeated attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued inclusion of these items has severely impacted my life, causing significant stress and XXXX. It is important to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite my repeated attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued inclusion of these items has severely impacted my life, causing significant stress and XX/XX/XXXX. It is important to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: NY

Complaint narrative:
Despite my repeated attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued inclusion of these items has severely impacted my life, causing significant stress and XXXX. It is important to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.

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 2024-10-06 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: NY

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: WA

Complaint narrative:
XXXX ) XXXX did two hard pulls XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  XXXX ) XXXX did two hard pulls XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  XXXX ) XXXX  XXXX  did two hard pulls XX/XX/XXXXXXXX  and XX/XX/XXXX XXXX ) XXXX XXXX  did two hard pulls XX/XX/XXXX and XX/XX/XXXX XXXX ) XXXX did four hard pulls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX ) XXXX did two hard pulls XX/XX/XXXX and XX/XX/XXXX XXXX ) XXXX  did two hard pulls XX/XX/XXXX and XX/XX/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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-10-06 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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-10-06 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
There have been multiple instances where XXXX XXXX  is charging my AMEX for unauthorized charges. XXXX XXXX  has confirmed that another account is using my card, but will not honor my request to remove my credit card information to stop the charges. 

As a precaution, I have canceled my AMEX card and requested a new one with a new XXXX number, XXXX  and expiration date on two separate occasions. For a time, AMEX used their XXXX verification step to authenticate XXXX XXXX  charges for me, but that has stopped and the unauthorized charges continue. I have now disputed the new charges, but AMEX will not honor my request to stop allowing the charges from XXXX XXXX  and refund my disputed charges. 

The latest instances of the fraudulent charges are : XX/XX/XXXX {$40.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$62.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
My loan with Foursight Capital phone number XXXX account number XXXX was paid in full on XX/XX/XXXX, the payoff balance was {$18000.00}. Foursight posted the payment on XX/XX/XXXX. On XX/XX/XXXX Foursight posted on my account Payment Service Contract Cancel ( Borrower ) {$1600.00}. On XX/XX/XXXX Foursight sent a refund for the amount of {$1600.00} to my old address, which was later forwarded to my new address, but at the time I received the check the 90 days had expired, so I couldnt cash that check. I contacted Foursight to let them know that I needed to have the check resent to me in XX/XX/XXXX ( over a year later ), they advised me that they would resend my check. They claimed to have put the request to accounting back in XX/XX/XXXX to have it reissued in which they claimed at that time it was sent, I have called 2-5 times a month since and have yet to receive my refund. They keep telling me and my husband that our check was resent again on XX/XX/XXXX, and today is the XXXX of XXXX and we still dont have our refund. This is my money.Not Foursights!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: EQUIFAX, INC.
State: NY

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 explanation
Consumer complaint received 2024-10-06 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: Experian Information Solutions Inc.
State: NY

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 2024-10-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
After receiving the verification of debt packet from XXXX, I was confused regarding the reported amount owed and what I felt was owed. My 2016 Corolla was voluntarily repossessed with less than {$1000.00} owed to successfully fulfill my lease obligation. After making over {$13000.00} on-time payments, XXXX was unwilling to extend a payment plan after a life event disrupted my perfect payment history. 
According to the 3 credit report XXXX, XXXX is reporting a balance in excess of over {$9000.00} due. The initial loan was {$14000.00}. I have never leased before and my understanding was my payments submitted plus the {$8000.00} auction sale price, would have placed me over the initial loan amount. I made multiple calls to XXXX and every time would be told " I am escalating this to a higher department, call back in 3 weeks '' After that time transpired, the response would be " the amount is accurate. '' However no one could explain why it was accurate or how I was wrong. After about 4 months of submitting for escalation and calling back in 3 weeks, did not resolve my issue, I submitted XXXX  CFPB reports asking " how am I wrong '' and again, that question would never be answered. I called the number provided in the first report, and was told the same thing, " I will escalate this, call back in 3 weeks. '' One telephone agent told me " I can't explain it, but take our word for it the accounting is correct. '' Realizing I was not going to receive an explanation on what made the reported balance correct, I relented. 
As a last ditch effort, I ran my packet through an AI platform. FINALLY, an explanation was offered that made sense ; something that no one at XXXX could do. The result went on to suggest filing a CFPB report regarding the lease as it is very confusing, has exorbitantly high repossession rates, and is not written in a manner that can be interpreted by the average lay person I lost my vehicle over less than {$1000.00}, have a negative mark on my credit reports stating I owe over {$9000.00} and no one could explain to me how " the amount is accurate. '' As a consumer it is not acceptable to be able to say " it's right because we say so '' and not offer any further explanation. If the employees of XXXX do not understand the lease, how am I supposed to understand the balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-10-06 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: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: NV

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer.

.

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate INQURIES reporting by XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on 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 non-monetary relief