vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I am writing to express my deep concern and dissatisfaction regarding the exorbitant interest rate of 24 % that was applied to my recent car loan with your institution. This rate significantly exceeds industry standards and is unjustifiably high, placing an undue financial burden on me as a borrower. 

When I initially applied for the car loan, I was not made aware of the excessively high interest rate that would be imposed. The lack of transparency in disclosing this crucial information is unacceptable and has resulted in severe financial strain. 

I urge you to review the terms of my loan agreement and reconsider the interest rate applied. A rate of 24 % is unjustifiable and goes against fair lending practices. I request that the interest rate be adjusted to a more reasonable and competitive rate that aligns with prevailing market standards. 

I trust that you will address this matter promptly and provide a satisfactory resolution. Your cooperation in rectifying this issue will be greatly appreciated. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letter

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 2024-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Two identical fraudulent transactions in the amount of {$260.00} each were made within minutes of each other from my PayPal issued Mastercard debit card out of the XXXX from the 'XXXX  '. I have attempted to rectify this with PayPal and they have denied my claim now on three separate occasions. They're reasoning is that since the funds were available then it could not have been fraud. Which is the most absurd display of incompetency I have ever witnessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I Looked at my report XX/XX/2024 and noticed some things are incomplete and not accurate. and In accordance with 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 information concerning the individual about whom the report relates. the LIST OF ACCOUNTS below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681., XXXX XXXX # XXXX Open date is not reporting correctly, XXXX # XXXX Open date is not reporting correctly, XXXX. XXXX # open date is not reporting correctly, XXXX XXXX # XXXX open date is not reporting correctly., XXXX # XXXX Open date is not reporting correctly. 15 U.S.C 1681 Section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes hitch antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-05-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX - XXXX XXXX XXXXXXXX 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 2024-05-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: AL

Complaint narrative:
I made an statement to XXXX XXXX XXXX as a dispute. To report this account because I've been with XXXX XXXX XXXX for years under my son XXXX XXXX ( XXXX  XXXX XXXX member ) I never change to another company so I explain the matter and I have my bills and all the evidence about it. This account even if is under my name or social security number doesn't belong to me. I want to reported and get this out of my credit report and stop any form of contact to my personal email, text or phone calls since they been calling me everyday any hour and multiple times a day. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled.

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 2024-05-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened store credit card with XXXXXXXX XXXX XXXXXXXX ( COMENITY Bank ). It had promotional plan with them. The balance on the card was {$83.00} at the time the promotion ended ( XX/XX/2024 ) and I was charged {$510.00} interest. I didn't realize the promotion ended until 20 days after ( when I received my statement in the mail on XX/XX/2024 ). I reached out to them right away ( less than 28 days, on XX/XX/2024 ) once found out that the promotion plan had come to term. When I called the bank 's customer service, they refused to work with me. The customer care representation transferred me to a supervisor, who said they can not help me, and she stated they only give 3 days grace period to pay off a balance after the promotional plan ended ( which was not communicated with me prior to our phone conversation ). I offered to pay-off my balance immediately, they refused. I believe the amount of interest that was charged is way too much for a balance of {$83.00} on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Numer : XXXX XXXX  XXXX  XXXX Account Numer : XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: IL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-05-09 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: MD

Complaint narrative:
I have asked all 3 credit bureaus to investigate account XXXX XXXX XXXX XXXXXXXX # XXXX because I noticed multiple inaccuracies on the account also the account was paid in full XXXX XXXX. They all responded and said there was no changes needed. I asked for a re-investigation because the inaccuracies were still on the account. The disputes were completed with no change. I then created a 3rd dispute with factual information on the inaccuracies found on this account, which will be provided in the photos. The payment history of this account has been getting updated every month even though it is charged off. The information is inaccurate, the charge offs are still on this account starting from XX/XX/XXXX up until XX/XX/XXXX, which is unfair and hindering me from obtaining credit. An account can only be charged off 1 time and should not be reported every month from then. This is an update in payment history, a charged off account should not include an active payment history. This restarts the statue of limitations of the account and violates my rights. I asked for an investigation of this account and the credit bureaus have failed to correctly

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 2024-05-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hello my name is XXXX XXXX and Im a victim of Identity Theft and Fraud, is being investigated for over XXXX months battling with the wellfargo bank and so far they keep denying their wrong doing. The criminal took over XXXX XXXX dollars and they cant or dont want to pay it. I have send them all the information as well documentations regarding this matter and they keep refusing to pay me. I dont know what else to do. Please if any one can help me in this matter I will appreciate it please. Thank you

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 2024-05-09 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-05-09 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-05-09 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
This is to inform you that I've recently pulled my credit report and noticed that theres a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that i refuse to pay this debt. Rather, I would like dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that i am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting and invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. Im sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. If you do not any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distrubuting them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. 

XXXX XXXX XXXX Account # XXXX Balance {$6700.00} XXXX XXXX XXXXXXXX Account # XXXX Balance {$2600.00} XXXX XXXX XXXX Account # XXXX Balance {$2100.00} XXXX XXXX XXXX Account # XXXX Balance {$2600.00} XXXX XXXX XXXX Account # XXXX Balance {$170.00}

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 2024-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
My payment of XX/XX/year> of {$1300.00} was never posted to my account. I was forced to make an additional payment of {$1300.00} on XX/XX/year> which was posted to my account. They changed my account number on XXXX XXXX, 2023 without my knowlege so XX/XX/XXXX payment went to my old account number. They said the error would be corrected within 60 days. It has not been fixed. I have made numerous phone calls, so has my bank and bill payiny service to prove they have money. I have also faxed and mailed all the documentation to prove they have the funds twice but they still have not corrected the account.All I get back are the same form letter saying they are working on it. When I call I get a different story each time that they never got the money. 
The loan company sold my loan to one of their sister companies and the money went to the correct bank account but with the old loan number. All they have to do it post the funds to the new loan number but they wont do it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I have 4 inquiries on my credit profile that i did not authorized. Named as follow : XXXX. ) CB Indigo XXXX. ) XXXX XXXX XXXX  XXXX XXXX XXXX. ) XXXX XXXX XX/XX/year> XXXX. ) XXXX XX/XX/year> I have already contacted all XXXX credit bureaus about this matter. XXXX and XXXX said that they could not assist me. Stated that I had to contact the original creditor which i already did to no avail.

Company response to consumer: Closed with non-monetary relief