vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several incorrect accounts. These accounts adversely affect my credit report and cost me thousands of dollars in interest annually. I understand that you will investigate these items for me to ensure accuracy. It's displayed as written off, and please remove this from my account as I have not received a 1099c from this. 


Account number 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 2024-12-15 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:
Recently, I looked at a copy of my credit report and noticed several incorrect accounts. These accounts adversely affect my credit report and cost me thousands of dollars in interest annually. I understand that you will investigate these items for me to ensure accuracy. It's displayed as written off, and please remove this from my account as I have not received a 1099c from this. 


Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several incorrect accounts. These accounts adversely affect my credit report and cost me thousands of dollars in interest annually. I understand that you will investigate these items for me to ensure accuracy. It's displayed as written off, and please remove this from my account as I have not received a 1099c from this. 


Account number 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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
bank is preventing me from making online payments. 
asking to call, have never had an account outside of credit with this bank the only way to make payments is online. 
In addition, AXXXXA compliance, the only reasonable way for me to make payments is the same as I have done since having the credit card

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 2024-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
My vehicle was repossessed on XX/XX/year>. 
I paid all required fees on XX/XX/year> and recovered the vehicle from the auction on XX/XX/year>. 
On XX/XX/year> I completed my mandatory emissions inspection and was informed that my car was not registered to me I proceeded to call customer service on XX/XX/year> at XXXXXXXX XXXX XXXX XXXX and, after verifying my address was told they would " tell 'them ' to overnight the paperwork '' to correct the situation. After waiting much longer than required I called customer service again, XX/XX/year> at XXXX XXXX XXXX XXXX, this time the agent transferred me to " reinstatements ''. I then waited on hold until it went to voicemail. 
On the same day I called another number and left two more voicemails attesting to the urgency and illegality of the situation ( I had the number written down as " reinstatements '' from during the redemption process ). 
The above was sent to the XXXX XXXX XXXX in early XXXX I was finally sent a power of attorney to get the title done, I sent it back and waited another month. 
I called and after several hours I got someone to tell me that my handwriting on the mileage wasn't good enough for their liking, so they sent me another paper power of attorney. It arrived and I completed it sent it back, it was received by their third party title processing company on XX/XX/XXXX. I have made numerous calls since XXXX and nothing ever changes, with the most recent attempt on XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Creditly Corp.
State: CA

Complaint narrative:
Credit Genie uses their app based payday loan service to charge clients {$3.00} monthly even after they have followed to companys policy of cancellation and deletion of account to cease the charges. The most recent charge was on XX/XX/XXXX and I have not used this service is a very long time. They have charged me {$3.00} to {$4.00} monthly since XX/XX/XXXX though I never actually received a payday loan from them. I have asked the company repeatedly to cease these charges and immediately refund ALL charges incurred since XX/XX/XXXX. Due to an arbitration agreement, I can not pursue a class action against them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear XXXX, I hope this letter finds you well. I am writing regarding the above-referenced account in my credit report ( Account # : XXXX ). Please note that I am not disputing this account. However, I kindly request additional information for my records regarding this account. Specifically, I would like the following details : Date of first delinquency associated with this account. Date of the last payment made on the account. Date of charge-off for this account. I would appreciate your assistance in providing these details promptly in writing. If any additional documents or authorizations are required to process my request, please let me know at your earliest convenience Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-12-15 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:
DeaXXXX XXXX, I hope this letter finds you well. I am writing regarding the above-referenced account in my credit report ( Account # : XXXX ). Please note that I am not disputing this account. However, I kindly request additional information for my records regarding this account. Specifically, I would like the following details : Date of first delinquency associated with this account. Date of the last payment made on the account. Date of charge-off for this account. I would appreciate your assistance in providing these details promptly in writing. If any additional documents or authorizations are required to process my request, please let me know at your earliest convenience Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I disputed some errors on my report with XXXX. 

They included an account which I did not dispute causing the account to be shut down. 

Capital One Union Plus account ending in XXXX was not in dispute! 

This needs to be corrected immediately or I will be seeking statutory damages

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: PA

Complaint narrative:
Unrecognizable accounts that I found listed on my credit report. The accounts listed below need to be removed due to not having any knowledge of their existence. I am a victim of Identity Theft. I do not recognize any of the accounts that Ive listed in this letter. I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently received a copy of my EXPERIAN, XXXX and XXXX credit report and found the following accounts listed as late payments on my credit report on top of the inaccuracies : Account # : XXXX Account # : XXXX Account # : XXXX Your company is in clear violation of the law under 15 USC16811b - Permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

*I DID NOT GIVE YOU PERMISSION TO FURNISH THESE ACCOUNTS AS LATE.

THE FAIR CREDIT REPORTING ACT PROTECTS ME AS A CONSUMER AND STATE THIS TYPE OF ( reporting ) is *EXCLUDED* FROM FURNISHING AND REPORTING.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to ( transactions or experiences ) between the consumer and the person making the report ; A LATE PAYMENT IS A TRANSACTIONAL EXPERIENCE BETWEEN MYSELF AND WHO I DO PRIVATE BUSINESS WITH. 


*DELETE THE LATE PAYMENTS ON THE ACCOUNTS IMMEDIATELY. 

XXXX NOT DELETE THE ACCOUNTS. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practice Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 usc 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 USC 16811n Negligent Enablement of Identity Fraud I will start a complaint with FTC and will reach out through proper communications.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed some inaccurate information on my account. The address on file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX does not belong to me and is and has been hindering my ability to obtain credit. I demand that this inaccurate information is removed my account as Ive reached out several different ways on my occasions!

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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This is regarding the original complaint that I wrote to you about. On XX/XX/year>, Barclaycard added an unknown and unauthorized user to my account without notifying me in any manner, no phone call, no email, no text, they simply added a total stranger to my account and have yet to remove the charge. The credit card company, Barclaycard responded by adding the fraudulent charge of {$110.00} to my card a second time, thereby doubling the charge and then crediting {$110.00} once, therefore not actually crediting the fraudulent charge that was made to my account on XX/XX/year>. I keep a XXXX balance on my credit card and meticulously paid for all my other charges other than the {$110.00} plus any interest that they have been accruing. My balance should now be at XXXX, but is still showing a balance that I do not owe. I have tried to call Barclaycard, but no one in the company knows how to resolve the issue. They pass me from department to department and no resolution is ever made. This is my last attempt to have them remove the fraudulent charge before I have no other choice than to take legal action against them.

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 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following accounts Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I applied for a personal loan with Avant. As part of the process, they stated they strive for a 24-hour turnaround time for approval or denial. As part of the process, I linked my bank account through the " Plaid '' service. Within 24 hours, they requested my two most recent pay stubs, which I uploaded. 

On XXXX, XX/XX/XXXX, they sent me an email asking to call them. When I spoke with their rep, they said they could not proceed with my application unless I change my bank account to the account where I get the majority of my paycheck direct deposited. My understanding is that no company is allowed to require direct deposit as a condition of credit, much less are they allowed to force you to use a specific direct deposit account. 

I called again later that day to check status and ask them about the direct deposit issue, but they said they had moved the process forward and now needed me to sign my contract. I stated I already signed XXXX at the beginning of the process, and the phone rep said this was just final paperwork. However, when I reviewed the document compared to what I originally signed on XX/XX/XXXX the terms differed : the loan terms which were clearly stated in the original document were a payment of {$220.00} per month, and APR of 30 %, and an interest rate of 22.05 %. The new terms which they told me were just " final paperork '' were the same documents, except the payment was now {$230.00}, the APR was 33.17 %, and the interest rate was $ 25.07 %.

Upon further investiation online, I see Avant was fined in the past for issues regarding auto pay. I also feel this was a " bait and switch '' - it's one thing to tell me I can't be approved for what I applid for, it's another to tell me I'm just signing " final paperwork '', but that paperwork doens't honor the terms of the original application. Had I not looked closely, I'd have been fooled.

This situation feels predatory, dishonest, intended to deceive, and is shady. Their process also has only led me in circles for 5 days when a 24-hour turnaround time was promised - I'm right back at the start, only they tried to trick me and switch the terms without informing me.

I called today and told them I wanted my application to be withdrawn, and I am not interested. Their rep did not do so. She also said I would receive an email confirmation that my application was closed and that I had declined to proceed. That has not occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I disputed some errors on my report with equifax. 

They included an account which I did not dispute causing the account to be shut down. 

XXXX XXXX XXXX XXXX account ending in XXXX was not in dispute! 

This needs to be corrected immediately or I will be seeking statutory damages

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: GA

Complaint narrative:
This report highlights the ongoing noncompliance by Experian and XXXX in addressing multiple violations under the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes and requests, Experian has failed to validate or verify disputed items, provide necessary documentation substantiating alleged debts, and address unauthorized credit inquiries on my report. This has been happening since XXXX XXXX XXXX and I have not been receiving proof within the 30-day period or at all. I would have to check online without proof that things had been validated. 

I am also attaching letter that I have request for proof of permission for hard inquires.

Key Issues Reported : Failure to reinvestigate disputed items within the legally required 30-day period, as mandated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Lack of evidence proving my legal obligation to pay alleged debts, contrary to FCRA and IRS Code requirements under 26 U.S.C. 6050P.

Unauthorized hard credit inquiries without my explicit written consent, violating permissible purpose requirements outlined in 15 U.S.C. 1681b ( a ).

These actions have caused significant damage to my creditworthiness, financial opportunities, and emotional well-being. I demand immediate resolution, including : Removal of all inaccurate and unverifiable information from my credit report.

Written confirmation of these corrections.

Compensation for the harm caused, as permitted by the FCRA.

If these issues are not addressed, I will pursue legal action under the FCRA and FDCPA and report the violations to the FTC, CFPB, and my state Attorney General.

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 2024-12-15 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my XXXX and Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer credit report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 15 USC 1681e ( b ) requires that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce for consumer credit, personnel, insurance, and other information. These procedures must be fair and equitable to the consumer, ensuring confidentiality, accuracy, relevancy, and proper utilization of such information1. The law also mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of consumer reports2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: FactorTrust, Inc.
State: IL

Complaint narrative:
I am filing this complaint regarding inaccurate information reported in my Factor Trust credit file. Despite submitting a previous dispute under Report Number XXXX and Dispute Number XXXX, my Factor Trust file has not been updated with the correct information. 

This failure to update my credit file is in violation of the Fair Credit Reporting Act ( FCRA ) and has caused adverse effects on my financial standing. Furthermore, I am a victim of identity theft, and my official police report is attached to support my claim.

Company response to consumer: Closed with explanation