vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 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: NJ

Complaint narrative:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
I hope you are doing well as I write this. I'm writing to formally ask that my account records be cleared of any late payments. I am aware of how crucial it is to keep a clean credit record, and I would want to resolve the recent late payments that have been made on my account. I respectfully ask for your consideration and understanding in order to have the late payments removed from my account history. I promise to keep up a punctual payment schedule going forward and make sure that similar delays don't happen again. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a XXXX XXXX XXXXXXXX customer service representative. 
I am aware of the company 's standards about late payments, and I truly value your consideration and time in this regard. Please let me know if any paperwork or information is needed to support this request, and I will send it over right away. I am grateful for your thoughtfulness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I purchased a vehicle from Toyota within three days. I had a major malfunction, and when I took the car immediately back to the dealer, they told me that I had to take a rental, and that they would fix the problem service called me and told me that they could not legally allow me to drive that car because it had an engine issue so I called the car dealership and I told them that I needed a vehicle. I needed them to correct the situation because they sold me a lemon or I was going to get my lawyer involved Two weeks goes by they called me in to the car dealership. They tell me theyre going to make the situation better and theyre going to fix it. They waste my time the first time the second time I come back and they told me that they were going to get me a new vehicle because again the first vehicle that they had sold me and did a loan on and all of that had a major engine issue and I could not have that vehicle so in order for them not to have to deal with a long drawn out legal process they were going to get me in another vehicle. I wanted to make sure that the vehicle that they got me in came with the same warranty as the first contract because the XXXXst vehicle that I purchased from Toyota had a two-year warranty. They assured me that it did the only difference and this new contract was that I was going to have to get gap insurance because it was a newer car well lets go to three months and after that, Ive had my car for three months and then I get a call from Toyota in XXXX is now telling me that I have to add a {$200.00} a month warranty to my vehicle Because they lied when they got me in the the second contract and never had a warranty on it to begin with so now they want my already high car payment to go up {$200.00} a month and I cant afford that so I let them know when I went to the car dealership what my budget was it wasnt my fault that they sold me a bad vehicle when I came back to figure out if I needed to pursue legal action .They assured me they would fix the situation sold me a vehicle and lied about the warranty the 2nd vehicle they sold without the warranty I was told and assured my used vehicle would come with They continue to try to XXXX me over. three months down the line by demanding I come up with like a {$3000.00} for a warranty or an additional {$200.00} a month but I can not afford. Ive called Toyota Ive called corporate. Ive called the car dealership they have service call me and explain to me that I dont have a warranty and that I need to go ahead and establish that I dont know who else to complain too. I wouldnt of agreed to a car note and warranty note I can not afford and then I have no one to complain or help fix this situation at Toyota

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like to draw your attention to the account that is erroneously listed as a late payment account. After reviewing my report, I found discrepancies in the accounts listed below. I contacted the creditor to obtain validation of the debt, but they didn't provide any supporting documentation. I request that you provide concrete evidence of the late payment status, and if such evidence is not available, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. XXXX XXXX XXXX XXXX XXXX and 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 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
First of all, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. I am distressed to learn that the information included in my credit report profile is incorrect, and I believe that your organization has failed to maintain reasonable procedures and operations to assure maximum possible accuracy in the credit reports that you publish. As you know, credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure that the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts in my credit file 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 explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
First of all, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. I am distressed to learn that the information included in my credit report profile is incorrect, and I believe that your organization has failed to maintain reasonable procedures and operations to assure maximum possible accuracy in the credit reports that you publish. As you know, credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure that the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please delete these accounts in my credit file 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 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Before my complain, I would like to inform you that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. 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 explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
In XX/XX/2023, I requested that the collection company, National Credit Systems, validate a debt that is reporting on my credit report that I was unaware of. The company did not provide documentation to validate the debt and the account is still reporting on my credit report. This is a violation. The company never sent me anything about this account and still has validated the account and it is now XX/XX/2023. I am including a copy of my validation request letter to National Credit Systems and proof of tracking through certified mail that shows the company received the letter on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 2023-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NC

Complaint narrative:
I owed XXXX in total. I paid XXXX in XXXX ( XXXX payments of XXXX ) before interest started to accrue again. The payments were applied incorrectly across the 2 loans on the account. It over-applied {$160.00} dollars to one account and underapplied it to the other. So one loans shows a NEGATIVE amount and the other incorrectly shows me as still owing XXXX. And since, despite my several attempts to communicate with the company ( phone conversations and email ), the amount has now accrued interest and still shows that I owe XXXX and now says that it is past due. The company has never even been able to give me a timeframe for when this will be fixed. I need it fixed yesterday. This could affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: NM

Complaint narrative:
I was offered a settlement by Westlake portfolio management for an existing debt. I was offered this settlement on XX/XX/2023. I made the payment as requested and was promised by the representative that I would receive a confirmation of settlement letter in my email and my credit report would be updated within XXXX  days to settled for less than full balance. I never received a letter and my credit report only updated the payment I made not the balance. I called back and spoke with XXXX again who said he didnt know why I didnt get the letter, but he would ask for it to be sent again to my email and that the credit report would be updated shortly. I never got the letter. The credit report was not updated. I believe the representative used the settlement offer to get me to make a payment so he could get credit for the payment and never intended to settle my debt. My credit report is still showing the full balance of the debt and no settlement, that is complete misrepresentation of what my balance is supposed to be and what I had to pay to clear my balance. My attempts to get this resolved with the company have been completely ignored. They tell you they dont have supervisors that they can give you to and I just have to wait for emails that never come. My credit has been damaged by this company after I was promised a settlement to clear my balance. This is a misrepresentation of balance owed not to mention outright dishonesty to collect funds.

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 2023-11-22 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: NJ

Complaint narrative:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-22 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: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: CORELOGIC INC
State: FL

Complaint narrative:
Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.

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 2023-11-22 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: LEXISNEXIS
State: TX

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 2023-11-22 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 2023-11-22 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 explanation
Consumer complaint received 2023-11-22 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: Carter-Young, Inc.
State: AL

Complaint narrative:
I am reporting two issues with the collection company, Carter Young Inc. 
1. I requested validation of an account reporting on my credit report that I was unaware of in XX/XX/. The company did not validate the account and the account is still reporting on my credit report. This is a violation. I have attached to this complaint a copy of the validation letter and proof of receipt by Carter Young Inc. via certified mail. 

2. Instead of validating the account, the company deleted the account with XXXX and XXXX and then re-reported the same account with XXXX and XXXX changing the account number and the last active date. This is the exact same account that they deleted and re-reported with different information. Also, this account is reporting several items differently with all three credit bureaus such as the account number, the open date, and the last active date. There are several violations with this account. I have attached a copy of their reported information on all three of my credit reports in XX/XX/ and in XX/XX/ to show the changing of the account numbers and to show how several pieces of information is being reported differently with each credit bureau. So many violations!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation