vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Well, I been tried the figure about credit score or reporting what kind of whatever I wasnt sure if that not sure how it working from what I never knew what is! however every time I wont get approved because I never knew what is my score reporting or credit and so on since I have no idea what is the score and so what I not sure how come to that I can not get any approve nor any way prequalified likely wont approved me ever since I had never knew what is credit or scores report the frustration all times I never got anything from there ever since that I trying tried every apply any credit but caused of what is issue wont approve me because of my credit or scores reporting?? Honest I have no idea how it work that what I still never knew what is scores nor that anyway. I need resolve the issue and whats going on even need know why either that I do complaint which should my rightly to know but I been very frustrated tried find way to able to get it instead said kept unfortunately not prequalified because of credit or score reporting likely I still never knew nor didnt get any know score credit nothing about, or any way from what my understand but why and I dont have any use credit card last in the old pasted thats it last. But shouldnt have any happened from there. So like I said need resolve an issue about where is any score is that it coming from?? And all I know nothing score of credit or reporting either.. I have no idea really. So from what I need know That is all I need know is a BIG Question the why! Seriously and need find out kind of issue though

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 2023-12-21 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: DE

Complaint narrative:
In 2019, the automobile that the loan is in question four was in an accident and considered totaled. The insurance company paid off all but {$9000.00} at the time of the loan application with the car dealer the additional extended warranty was taken out as well as gap insurance, the car dealer did not submit the gap insurance paperwork or the extended warranty paperwork. I contacted XXXX XXXX and advise that I had paid for the gap insurance. They informed me that it was not on the account I went back to the dealer they assured me that they had submitted it, and that they would reach out every time that I have contacted XXXX XXXX. They refuse to listen so I stopped paying the loan come to find out the car dealer not only didn't submit the gap paperwork. They have put falsified information on the loan application such as a address, and a phone number, which do not belong to me, I became aware of this recently and I contacted XXXX XXXX and they refuse to listen or understand what I'm saying. I have disputed this multiple times with Trans Union, XXXX and XXXX the last time that I disputed it XXXX XXXX updated my information to my valid information and now they are trying to collect on it again and it's now reporting that it's delinquent and it's affecting my credit file again, I'm trying to have it completely removed because the information that was provided by the car dealer which is no longer in business provide it on the application an address of XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Delaware and a phone number of XXXX as my legitimate information which is not correct it's false, and based on that I'd like to have this completely removed from my credit file. Upon further review of the paperwork from XXXX, XXXX XXXX and XXXX also the buyers date of birth is incorrect, and the buyers drivers license number is incorrect. The only thing that's listed on this account application or the paperwork is my name all information is listed wrong XXXX XXXX XXXXXXXX. XXXX XXXX is not correct at XXXX date of birth is on these correspondence is two XXXX. My date of birth is XXXX XXXX. The drivers license number is XXXX. My drivers license number is XXXX Where they obtain this information I do not know also, it shows on my paperwork that the protection group I show I have insurance XXXX insurance. I also show LoJack insurance I don't know what that is but it shows that I have the extended service plan, gap insurance, and low Jack, and according to my documentation, I have submitted this, and they refuse to accept it.

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 2023-12-21 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: DE

Complaint narrative:
In 2019, the automobile that the loan is in question four was in an accident and considered totaled. The insurance company paid off all but {$9000.00} at the time of the loan application with the car dealer the additional extended warranty was taken out as well as gap insurance, the car dealer did not submit the gap insurance paperwork or the extended warranty paperwork. I contacted XXXX corporation and advise that I had paid for the gap insurance. They informed me that it was not on the account I went back to the dealer they assured me that they had submitted it, and that they would reach out every time that I have contacted XXXX Corporation. They refuse to listen so I stopped paying the loan come to find out the car dealer not only didn't submit the gap paperwork. They have put falsified information on the loan application such as a address, and a phone number, which do not belong to me, I became aware of this recently and I contacted XXXX corporation and they refuse to listen or understand what I'm saying. I have disputed this multiple times with XXXX XXXX, Equifax and XXXX the last time that I disputed it XXXX XXXX updated my information to my valid information and now they are trying to collect on it again and it's now reporting that it's delinquent and it's affecting my credit file again, I'm trying to have it completely removed because the information that was provided by the car dealer which is no longer in business provide it on the application an address of XXXX XXXX XXXX XXXX XXXX XXXX Delaware and a phone number of XXXX as my legitimate information which is not correct it's false, and based on that I'd like to have this completely removed from my credit file. Upon further review of the paperwork from XXXX, XXXX XXXX and XXXX also the buyers date of birth is incorrect, and the buyers drivers license number is incorrect. The only thing that's listed on this account application or the paperwork is my name all information is listed wrong XXXX in XXXX. XXXX XXXX is not correct at XXXX date of birth is on these correspondence is XXXX XXXX. My date of birth is XXXX XXXX. The drivers license number is XXXX. My drivers license number is XXXX Where they obtain this information I do not know also, it shows on my paperwork that the protection group I show I have insurance XXXX insurance. I also show XXXX insurance I don't know what that is but it shows that I have the extended service plan, XXXX insurance, and XXXX XXXX, and according to my documentation, I have submitted this, and they refuse to accept it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: DE

Complaint narrative:
In 2019, the automobile that the loan is in question four was in an accident and considered totaled. The insurance company paid off all but {$9000.00} at the time of the loan application with the car dealer the additional extended warranty was taken out as well as XXXX insurance, the car dealer did not submit the XXXX insurance paperwork or the extended warranty paperwork. I contacted XXXX XXXX and advise that I had paid for the XXXX insurance. They informed me that it was not on the account I went back to the dealer they assured me that they had submitted it, and that they would reach out every time that I have contacted XXXX XXXX They refuse to listen so I stopped paying the loan come to find out the car dealer not only didn't submit the XXXX paperwork. They have put falsified information on the loan application such as a address, and a phone number, which do not belong to me, I became aware of this recently and I contacted XXXX XXXX and they refuse to listen or understand what I'm saying. I have disputed this multiple times with XXXX XXXX, XXXX and Experian the last time that I disputed it XXXX XXXX updated my information to my valid information and now they are trying to collect on it again and it's now reporting that it's delinquent and it's affecting my credit file again, I'm trying to have it completely removed because the information that was provided by the car dealer which is no longer in business provide it on the application an address of XXXX XXXX XXXX XXXX XXXX  XXXX Delaware and a phone number of XXXX as my legitimate information which is not correct it's false, and based on that I'd like to have this completely removed from my credit file. Upon further review of the paperwork from XXXX, XXXX XXXX and XXXX also the buyers date of birth is incorrect, and the buyers drivers license number is incorrect. The only thing that's listed on this account application or the paperwork is my name all information is listed wrong XXXX XXXX  XXXX. XXXX XXXX is not correct at XXXX date of birth is on these correspondence is XXXX XXXX. My date of birth is XXXX XXXX. The drivers license number is XXXX. My drivers license number is XXXX Where they obtain this information I do not know also, it shows on my paperwork that the protection group I show I have insurance XXXX insurance. I also show XXXX insurance I don't know what that is but it shows that I have the extended service plan, XXXX insurance, and XXXX XXXX, and according to my documentation, I have submitted this, and they refuse to accept it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: NC

Complaint narrative:
I am requesting that it will be removed from my credit report 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 2023-12-21 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: IL

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required- CITICARDS CBNA Account Number CITI CARDS Account number ending in : XXXX OPT-OUT MAIL TRACKING NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX. Dear Consumer Financial Protection Bureau, I am writing to follow up on a letter dated XX/XX/2023, in which I formally opted out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to CITICARDS CBNA. This request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Regrettably, CITICARDS CBNA has chosen to ignore my initial opt-out letter entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. I am now submitting a formal dispute with the following requests : 1. **Immediate Removal of Furnished Information : ** I request that CITICARDS CBNA ] takes immediate action to remove any and all information pertaining to my consumer report. This is in line with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802. 2. **Compensatory Damages : ** In the event that CITICARDS CBNA willfully continues non-compliance with 15 U.S. Code 6802 by failing to honor my opt-out request, I reserve the right to seek compensatory damages. I request that CITICARDS CBNA pays a minimum of {$1000.00} for every offense of willful non-compliance. This dispute is filed with the expectation that the Consumer Financial Protection Bureau will investigate this matter promptly and take appropriate action to ensure CITICARDS CBNA complies with federal regulations. I appreciate your immediate attention to this matter and request confirmation of receipt of this dispute. I trust that the Consumer Financial Protection Bureau will take swift action to rectify this situation and enforce the necessary corrections. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The collector needs to prove that this debt is accurate with records of the debt, that this debt can survive collection that they own this debt, and the extent to which they can collect. Without it, it must be removed. The account is MIDLAND CRED XXXX - the collection amount is {$1600.00}, The original creditor is XXXX XXXX XXXX and I do not have an account with this bank. This is not my obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: NC

Complaint narrative:
I am requesting that it will be removed from my credit report 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 explanation
Consumer complaint received 2023-12-21 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2023-12-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I am requesting the verification of a negative item on my credit report MB FIN SVCS XXXX. This account is being reported as 30 days late on XXXX and XX/XX/2023. 
If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure the maximum possible accuracy of the information on my credit report. So I am requesting you verify the item I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain handwritten verification directly from a person at that source.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
XXXX  case ID XXXX I purchased an XXXX  at XXXX of XXXX in XXXX VIN : XXXX I paid it off in XXXX, at which time the title was mailed to me however I lost it We moved to XXXX from New Jersey, so we bought a new car in XXXX. The XXXX XXXX needs a Lien Release for the title. XXXX of XXXX can not assist. I am trying to get in touch with American Honda Finance, however it's impossible. 

There is no chat, there is no email, and the hours are only weekdays XXXX to call in. When I've tried to call in, the wait times are XXXX minutes but no one ever picks up even after an hour+ I have called the number on the XXXX complaint but its American Honda motor, different company. Ive asked the receptionist at that number 3 different times for someone ( a human ) in the financial company and she just puts me on hold and sends me to the motor company. I have asked to speak to legal but have never been patched through to them After filing a XXXX  complaint, American Honda financial lied to the XXXX   claimed they spoke to me- they never did Its impossible to contact anyone at Honda financialXXXX Ive tried XXXX  for contacts and scraping linked in. 

Honda financial seems to be purposely and methodically discouraging and preventing consumers from obtaining a lien release I am happy to support the cfpb in any actions taken against or motions filed against American Honda financial, not only for my own benefit but for the likely countless others who have given up and suffered material harm. Im disgusted, frustrated, and insulted by their blatant abuse of robot phone barriers and refusal to help what should be a simple request. 

Honda Financial seems to have set this up specifically to discourage folks from making contact with them. I'd advise them to get a more robust & modern customer support system set up. However in the meantime, I need my Lien Release ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The collector needs to prove that this debt is accurate with records of the debt, that this debt can survive collection that they own this debt, and the extent to which they can collect. Without it, it must be removed. The account is MIDLAND CRED XXXX - the collection amount is {$320.00}, The original creditor is XXXX XXXX XXXX and I do not have an account with this bank. This is not my obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: IL

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: NC

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation