vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
In XX/XX/XXXX, I visited XXXX XXXX to see if I could buy a used car. I had a credit score over XXXX and a deposit. The salesman let me look at a XXXX car. It looked nice on the outside. We did not test drive it. Instead, he took me to an office to see if the numbers would work. I agreed to make a {$1500.00} deposit. Soon he was having me sign paperwork without explaining any of it. I was overwhelmed. I told him I could only pay {$750.00} immediately because I needed to transfer money. I thought that might slow down the deal so I could come back another day. To my surprise, he said that was fine but not to tell the bank. 

When I got home, I realized that I had been charged nearly {$24000.00} for a six-year old car that had over XXXX miles on it. Even worse, the interest rate was XXXX % and my total cost would be over {$40000.00}. The next day, my co-workers agreed that it was a bad deal. I went back to XXXX XXXX with someone I trust and offered to allow the dealer to keep the {$750.00} deposit I had made if I could return the car. They refused. We left, but later returned the car with the keys to their lot. 

I called the loan company immediately, told them what happened and what I had done. The person I spoke to was very sympathetic but made no promises. Since then, Credit Acceptance has continued to send me bills and called me nearly daily even though I have told them that I am not in possession of the car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I tried to retrieve my original contract with santander to get my accurate balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: TX

Complaint narrative:
XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/2024 Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment for XX/XX/2024 was made on time, which falls well within XXXX 's 15-day grace period. The payment was not 30 days late, and therefore, it should not have been reported as such. 
Clerical error by XXXX : The creditor processed my payment on time, but due to an internal system error, the payment was incorrectly marked as late. This caused an inaccurate 30-day late report to the credit bureaus, despite timely payment. 
Evidence provided : I have attached the bank statements and payment confirmation emails, which clearly show that the payment was processed on time. This evidence confirms that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-05 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: GA

Complaint narrative:
I have disputed with all three credit bureaus, regarding the XXXX child support accounts reporting on my credit report. 
All companies have reported back stating that this account was verified and updated. 
This account was last reported in XX/XX/year> as closed and it is now seven years later and it is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: GA

Complaint narrative:
I have disputed with all three credit bureaus, regarding the XXXX child support accounts reporting on my credit report. 
All companies have reported back stating that this account was verified and updated. 
This account was last reported in XX/XX/year> as closed and it is now seven years later and it is still reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express charged-off on XX/XX/XXXX Acct # XXXX Acct # XXXX Acct # XXXX I requested 1099 forms and it was never sent. This is fraud and I need this looked into, because as of XX/XX/XXXX it is being listed as a charge off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: MS

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX initiated an internal dispute regarding some adverse items on my credit report with XXXX, XXXX and Equifax. Within less than 24 hours I received my results back from Equifax stating that 5 of the 11 items that I disputed were complete. I requested that Equifax provide me with lawful verification from the trustee over my persons bankruptcy case that gives authorization to publish personal, sensitive and private information. That was not provided to me upon request before making a fraudulent determination that such item was verified by such trustee. Other items on my credit report were also disputed such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested verification from the trustee over these accounts that gives authority to report, and publish such sensitive, personal and private information as well as well as verification from the consumer that consent was given by the consumer to Equifax to report, and publish such personal, sensitive and private information. No verification was given to consumer nor proof of consent was given to consumer. Equifax still has items published and reported on credit report that reflects a status of late payments, a balance which adversely affects the reputation and credibility of the consumer which is a violation of 15 U.S.C. 1692. EQUIFAX knowingly and willingly disregarded such verification process and rushed a negative result to consumer which afforded no remedy to the consumer for such violations. There were a total of 45 inquiries on my report that I did not consent to and also requested verification in which non was given

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply fo upon further investigation. I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit report but also causing me significant stress XXXX XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on XX/XX/year>, which falls within XXXX  ' standard 15-day grace period. Therefore, the account should not have been reported as 30 or 60 days late. 
Clerical error by XXXX : My payment, though made on time, was incorrectly recorded as late due to a clerical error by XXXX. This resulted in the inaccurate reporting of a 30 and 60-day late payment on my account. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payments were made on time, well within the grace period. This documentation proves that no late payment occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-05 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: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on XX/XX/year>, which falls within XXXX XXXX standard 15-day grace period. Therefore, the account should not have been reported as 30 or 60 days late. 
Clerical error by XXXX : My payment, though made on time, was incorrectly recorded as late due to a clerical error by XXXX. This resulted in the inaccurate reporting of a 30 and 60-day late payment on my account. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payments were made on time, well within the grace period. This documentation proves that no late payment occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-05 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I have been disputing these three companies since repeatedly, sending in dispute letters. XXXX  XXXX XXXX/Early Warning Services . Each time I dispute they send me back a letter stating that the account has been verified. XXXX XXXX has recently sent me a printout stating that it shows my signature but that doesn't look anything like my signature, I have asked each company to send me Proof and they have failed to do so, I have filed Two FTC reports against the account Which XXXX XXXX XXXX alleges that is mines. This account is a fraudulent account that I did not open. 
I have mailed in the FTC report as of XX/XX/year> and I have also previously attached the FTC report to a report made through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not validate this inquiry from these entities. Therefore, the following inquiries must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-05 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: FL

Complaint narrative:
I do not validate this inquiry from these entities. Therefore, the following inquiries must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which is within Toyotas 15-day grace period. The payment was not late and should not have been reported as 30 days overdue. 
Clerical error by XXXX XXXX XXXX XXXX : My payment was processed on time, but due to a clerical error by XXXX XXXX XXXX XXXX, it was incorrectly reported as late. This error has caused inaccurate reporting across all three credit bureaus. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time, well within the allowed grace period. This clearly demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 explanation
Consumer complaint received 2024-10-05 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payment was made on time, which is within XXXX  XXXX XXXX period. The payment was not late and should not have been reported as 30 days overdue. 
Clerical error by XXXX XXXX XXXX XXXX : My payment was processed on time, but due to a clerical error by XXXX XXXX XXXX XXXX, it was incorrectly reported as late. This error has caused inaccurate reporting across all three credit bureaus. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time, well within the allowed grace period. This clearly demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 explanation