vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
I reviewed my XXXX Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report XXXX information to the best of their ability with maximum accuracy. i have never been late on payment for the account : BANK XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

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 2024-12-18 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: TX

Complaint narrative:
My account with XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 AND XXXX / 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: CA

Complaint narrative:
Debt collector company keep calling regarding a paid cable for {$100.00}. That I don't owe.this collection company is called MRS .Bpo, LLC which I believe fraud.company that got my information off of something. I don't owe them anything. This Mrs. Bpo collection company Need to remove my name off of they list and my phone and stop harassing me.remove this fraudulent information off of my credit profile from all three credit bureaus. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with fraud alerts or security freezes — 
Company: Advance America, Cash Advance Centers, Inc.
State: WI

Complaint narrative:
I was recently contact by a debt collection company that said I had not made payments on a personal loan through Advance America that was made on XX/XX/XXXX of this year. I did not request this loan. My older sister, XXXX XXXX XXXX XXXX my information to request a loan that was then transferred to her bank account. XXXX passed away about a week after the transaction occurred. Our mother is the sole beneficiary of her bank account and found the transaction on her bank statements. Some of the information on the loan request does not match my personal information, either ( i.e. phone number and email address ). We also believe that her partner at the time, who had access to XXXX 's bank information, might have been involved. Since XXXX passed, there have been numerous soft inquiries into my credit from various loan companies. I have put a freeze on all XXXX of the credit reporting bureaus. However, I would like this investigated and a formal complaint to be made. I will also be making a police report. I have contacted the loan company, the debt collector, and the company that purchased the debt from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I had a vehicle repossessed by XXXX XXXX in the amount of {$5800.00} as well as a personal loan for {$4300.00} and both loans along with my personal information were sold to the creditor XXXX XXXX. That was then sold to another creditor. My personal information was leaked to the dark web and I believe I have been a victim of identity theft. My personal information keeps getting passed around to different companies. Per Section 605B of the FCRA Id like these items and a few others removed. Please see attached documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
This morning, I discovered inaccurate accounts on my credit report, and I cant figure out why. I check my report regularly, and everything was fine before, but now there are discrepancies that appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but nothing changedthe errors are still there. Im desperately asking that the documents Ive provided are reviewed carefully so I can stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Fraudulent Loan Dear Sir, XXXX I am writing to formally submit a complaint about a fraudulent loan obtained in my name by XXXX XXXX XXXX through Audi Financial Services. Despite numerous attempts over several months to resolve this matter with the dealership and Audi Financial Services, the issue remains unresolved. 

Summary of Events Purchase and Financing : On XX/XX/year>, I purchased a 2024 XXXX XXXX and financed it through my bank, XXXX XXXX XXXX. This financing agreement was confirmed at the time of purchase. 

Fraudulent Actions : On XX/XX/year>, XXXX XXXX XXXX canceled the financing with XXXX XXXX XXXX without my knowledge or consent. 
The dealership submitted a fraudulent credit application to Audi Financial Services in my name, falsified my signature on the loan agreement, and altered the vehicle title to replace the original creditor with Audi Financial Services. 
XXXX and Attempts to Resolve : Upon discovering the fraud, I immediately contacted the dealership and Audi Financial Services to report these actions. Despite my efforts, the fraudulent loan remains active, and the unauthorized lien on the vehicle title persists. 

Formal Complaint I request that Audi Financial Services take immediate action to : Cancel the fraudulent loan issued in my name. 
Remove the unauthorized lien from the vehicle title. 
Conduct a formal investigation into the actions of XXXX XXXX XXXX and provide a report. 
Legal Violations The actions by XXXX XXXX XXXX and the inaction of Audi Financial Services violate : Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. 
Florida Statute 319.33 ( Title Fraud ) Florida Consumer Collection Practices Act ( FCCPA ) - 559.55 et seq. 
Next Steps If this issue is not resolved within 14 days, I will escalate my complaint to : The Florida Department of Highway Safety and Motor Vehicles ( FLHSMV ). 
The Consumer Financial Protection Bureau ( CFPB ). 
The Federal Trade Commission ( FTC ) for further investigation and action. 
Attached to this email are supporting documents, including the original financing agreement, evidence of the fraudulent loan, and proof of the unauthorized title modification. 

I urge you to take immediate corrective action and resolve this matter without further delay. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: WI

Complaint narrative:
this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

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 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-18 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, CA XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed {$2000.00} - Charge off XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} - Charge off XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$1700.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX : $ XXXX Charge off XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} - Collection

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 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-18 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: OR

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

Company 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 2024-12-18 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: TX

Complaint narrative:
I discovered inaccurate accounts on my credit report this morning, and Im completely baffled about how they got there. When I checked my credit report, as I routinely do, I was shocked to find these discrepancies. I even tried refreshing my browser, thinking it might just be a technical glitch, but nothing changed. The inaccuracies remained, and now Im left feeling helpless. Im pleading for the documents Ive submitted to be reviewed carefully so I can finally put this nightmare behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the information reported on my credit report concerning my account stated above with the puchase and return with XXXXXXXX XXXX and Synchrony Bank XXXX XXXX I respectfully request that the negative record be deleted, as the issue was caused by a product malfunction and has incorrectly reported as a charge off. 
The purchase in question involved a product from XXXXXXXX XXXX that malfunctioned, which I believe was due to poor materials used in manufacturing. The malfunction caused harm to me, and I have provided pictures as evidence of the defect and the resulting damage. These pictures demonstrate the issue with the product, which was beyond my control. 
I would like to clarify that I did not incur any charges or fail to make any payments due to this issue. My account was settled, and no late payments occurred in XXXX. The matter was resolved, product was returned, and the situation should be closed and paid as agreed NOT a charge off. Since I was not at fault for any missed payments or debt. I am requesting that all negative entries related to this account, including any references to late payments or charge-offs, be removed from my credit report. 
Please review the details of my account and the accompanying pictures showing the product malfunction and the harm it caused. I would greatly appreciate it if you could make the necessary updates to my credit report to reflect that the account is in good standing and that no derogatory marks should be associated with my name. 
If you need any further information or documentation to process this request, please feel free to contact me at the phone number or email address listed above. 
Thank you for your prompt attention to this matter. I look forward to your swift response and the correction letter for my credit report. 



Stated on your Synchrony website : Do not engage in any activity that can potentially or actually cause harm to Synchrony, our customers, or our employees.

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 monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Heres a draft of a complaint to the Consumer Financial Protection Bureau ( CFPB ). Feel I am writing to formally file a complaint about UpliftXXXX loans and their severe impact on my credit, which has rendered me unable to secure a car loan. This situation is causing significant hardship as I am an XXXX XXXX and rely on my vehicle for my livelihood. 

I obtained loans through UpliftXXXX under the understanding that they were a convenient way to manage expenses. However, I have experienced the following issues : 1. **Unexpected Negative Impact on Credit : ** Despite making consistent payments, my credit score has been significantly damaged due to how these loans are reported to credit bureaus. This decline has made it impossible for me to qualify for a car loan, which is critical for my work as a rideshare driver.

2. **Lack of Clear Communication : ** The terms and potential risks associated with these loans were not adequately explained at the time of agreement. I feel the process was misleading, leaving me unprepared for the consequences.

3. **Excessive Fees and High Interest : ** The cost of these loans is disproportionately high, making it extremely difficult to pay them off without falling further behind on other financial obligations.

I believe these practices are unfair, deceptive, and predatory, targeting individuals who are in a financially vulnerable position. My ability to work and earn a living has been jeopardized because of the damage these loans have caused to my credit.

I am requesting that the CFPB investigate UpliftXXXX practices, including their reporting to credit bureaus and communication about loan terms. Additionally, I am seeking assistance in finding a resolution to restore my credit and improve my ability to obtain a car loan so I can continue earning a living. 

Thank you for your time and attention to this matter. I look forward to your response and guidance on how to proceed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sent {$200.00} to the wrong email address and I spoke to a supervisor who said that if he closed the dispute that the money would automatically come back to my account but the money never came then I was told that that was incorrect so he reopened my dispute and then they closed it again and I have not received my money back which is a XXXX present I am very very upset with PayPal. 
Please help me get my money back before XXXX Thank you so very much XXXX XXXX

Company response to consumer: Closed with non-monetary relief