vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Toyota Motor Corporation has repossessed my car after stating online that I have a XXXX balance after paying {$500.00} a month for XXXX years on my car loan. They made up misc. fees that add up to over {$8000.00} and is forcing me to now pay a lump sum of over {$8000.00} or else I will never see my car again with no other type of negotiations possible. I do not have that kind of money and they will admit no wrongdoing on their behalf. They will not allow me to make any more monthly payments and just want a lump sum now. They are not willing to work with me on anything and just are bad people to work with. I took the car loan out in XXXX, I filed bankruptcy in XXXX. My bankruptcy was approved and toyota ignored my bankruptcy ruling with no chance of a refinance option as toyota would not allow it and demanded {$500.00} a month no matter what. I thought mafias were illegal in the united states but toyota motor corporation has proved me wrong as my attorney is unable to even get my car back as toyota has me in a weird legal loophole through a certain page in their contract that allows them to overcharge me. It's very bad business and i'll never deal with toyota again. Read the contract fully and carefully. I was lied to on the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

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 which 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I always pay on time and never missed a payment.

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 2024-04-12 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 which 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Delete hard inquiries
equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-12 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
This debt is for a former partner. He sent his phone in to sprint to clear his debt. The agent at XXXX was from out of country doesn't even speak English told him that there was no bill. Sent him a prepaid envelope for the phone to be sent back. Then XXXX  got phones filled for collection of debt. The ex partner is no longer with me. XXXX violate policy and share my personal information and allow ex partner to do whatever he wanted with my account. I am not paying for fraud that XXXX allowed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: HI

Complaint narrative:
This took place on XX/XX/2024. The company claiming to offer business realted to loan forgiveness was XXXX XXXX. 

I received a notice in the mail titled " FINAL NOTICE '' and explaining how I could qualify for various routes to receive student loan debt relief. The letter gave an accurate estimate of my student loan amount and also included directions on setting up an FSA ID as they mentioned it would be needed. The letter also included a phone number to call in response to the note received. I called the number on the note and the person who answered asked me to provide the BENEFIT ID # which was listed on the note at the top, and asked for available times I could be called at where someone could help me with the student loan forgiveness application. I received XXXX calls since that initial phone call I gave and kept missing them. I eventually called back and spoke to XXXX XXXX. He asked for my student loan information including the total amount and an emailed attachment showing the breakdown of my loans. He then asked about my annual income, who is included in my household, and how I file my taxes. He then followed up with someone else while I was on hold to see if I qualify for the debt forgiveness. He said I did. He then proceeded to ask me personal information as part of the forgiveness application : name, DOB, SSN, routing number, checking account number, address, and XXXX references with their address. He said that I would still receive bill statements for my loans but would not have to pay it as it will already be funded for. However, he said I do need to pay service fees to their company for about {$290.00} for the next XXXX  months. He also stated I will be charged a fee of XXXX XXXX  monthly fee for all of the documents being filled out and submitted on my behalf. He then sent me a digital copy of all of this information he collected from me and had me digitally sign and initial this document. After that, he said I would receive mail with all of the information he shared with me in written form. He also said the approval part will take XXXX weeks, but those charges would start in XXXX already.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: Westlake Services, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting account XXXX on my credit report which is ruining my way of living, their reporting to my credit as a charge off but I never got an 1099c form which makes the alleged debt taxable income so how is it debt? also their violating my constitutional rights 15 USC 1681b ( 2 ) because I never gave them consent to report anything on my credit which is also fraud and 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 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date : XX/XX/2024 On this date I went on my chase account and saw multiple transactions that were done without my authorization. I had previously called days before because I had a message from chase saying that there was an attempt to use my card in another state. I needed to call I talked to an agent and he told me they were cancelling my card and that card would not be able to work at all. Then a week later I see that there was transactions made even when the card was supposed to not work. I made the report and called the fraud department with Chase. The personnel let me know that my money would be given back to me and that my card was cancelled as well as my pin. I took action and locked my card too. I received the money back on my account and saw no unauthorized transactions done. Today, I went to pump gas and my new card got declined. The reason it got declined was because my account was overdrawn. The chase fraud department decided to do a reversal on XXXX claims I had done. They took the money back because they declined my claim. The total was for {$450.00} that was taken away from me. I went to Chase to talk to a representative they said there was nothing they could do about because the fraud department declined the claim since they saw nothing suspicious. This money is from non chase ATM withdrawals that were done without my authorization and by someone that I don't know. I have never given my card information to no one I am the only who uses it and knows my pin. I did not make those transactions at all. I was not able to get my money back even after calling the fraud department and going to Chase and talking to a representative. This is why I am requesting for help I am unsure what to do. This money was taken from me even after I had made a report for the second time on the fraud that was committed on the old card. I hope that there is a way to get my money back because I have tried to get it and they just denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-12 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:
According to FCRA 605B, we got ta take off wrong stuff from my credit report. Can you look at the papers? Some accounts listed aren't right. They need to go ASAP.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I have XXXX collection accounts that are on my consumer report that have not been investigated to be 100 % complete, accurate, or verified. Also, I have never gave Aldous And Associates direct consent to my private information such as my name, address, etc. I have been abused and decieved due to Aldous And Associates obtaining this private information without my permission. These accounts have hindered my ability to get extensions of credit and impacted my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: TX

Complaint narrative:
I am writing to follow up on my previous communication regarding the late opening of my account. Despite my initial attempts to rectify this issue, I am disappointed to find that the problem persists. 

I appreciate the efforts made thus far to address this issue, but it is essential that the matter be resolved promptly and definitively. I kindly request that you expedite the process of opening my account and provide me with a timeline for when I can expect this matter to be resolved. 

Furthermore, I would appreciate any measures taken to prevent similar incidents from occurring in the future, as repeated delays could adversely affect my confidence in your company 's services. 

Please acknowledge receipt of this letter and provide me with an update on the progress of resolving the late opening of my account. With this, I am asking for your assisstance to correct this late open accout in my credit file : XXXX XXXX  XXXX Balance : {$390000.00}.

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 non-monetary relief
Consumer complaint received 2024-04-12 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: TX

Complaint narrative:
I am writing to follow up on my previous communication regarding the late opening of my account. Despite my initial attempts to rectify this issue, I am disappointed to find that the problem persists. 

I appreciate the efforts made thus far to address this issue, but it is essential that the matter be resolved promptly and definitively. I kindly request that you expedite the process of opening my account and provide me with a timeline for when I can expect this matter to be resolved. 

Furthermore, I would appreciate any measures taken to prevent similar incidents from occurring in the future, as repeated delays could adversely affect my confidence in your company 's services. 

Please acknowledge receipt of this letter and provide me with an update on the progress of resolving the late opening of my account. With this, I am asking for your assisstance to correct this late open accout in my credit file : XXXX XXXX  XXXX Balance : {$390000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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