vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: VW Credit
State: FL

Complaint narrative:
I believe VW is not only teaching but implementing some shady practices when it comes to leasing and getting payoff quotes... My last two leases with VW were a nightmare. 
in XXXX I returned a lease on a XXXX XXXX that had a National recall and I could not buy nor sell the car. All i could do is hand it in ( according to the VW representatives in person and over the phone ). 
I have documentation showing that VW DID RESALE my leased car and they made a substantial profit .... I know this was going to happen and I got ahead of it. I called Volkswagen and explained to them that I used to sell cars and I took really good care of this XXXX with the hopes of making XXXX XXXX once i sold it .... but that was no option and the dealership turned around and sold it for a profit of ( TOTAL SURPLUS** ) {$2100.00}. 
We made a stink about this with both VW credit and with representatives at both XXXX ' and XXXX ' VW ... XXXX would not hear me out. I went into XXXX VW last week to see if we could make a deal on a used XXXX and to make me feel better about the purchase... I could overhear the Sales Manager saying 'not so nice things ' about me and wrote up a deal that only helped one party out in a very unfortunate circumstance. 
Recently, my daughter was diagnosed with XXXX. We always knew she was autistic but the state of Florida would not help with her development until we got her evaluated ... long story short, MY DAUGHTER COULD HAVE REALLY USED THAT MONEY FOR HER XXXX LESSONS. 

I understand that a car dealership needs to make their money... i get that!!! but this situation was brutally abusive and when a customer has the credit score to allow them to get a lease with those 5 options to buy, sell, trade, refi, lump sum amortize with no penalty etc ... and take two of those options away from the consumer who took really good care of said product, that is a problem. 

On my new lease that was just traded in... i got a bill back for almost {$1000.00} for disposition and excess mileage ( i was over by XXXX and they want to charge me almost {$600.00} )... so, what is the solution? I pay you the XXXX XXXX  and you pay me the balance that you owe to me of just over {$1100.00}? 

I work in sales. I have my whole life. But this is not sales or transactional... it is criminal. 

thank you for your time and consideration in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
My credit score dropped so I was notified and found a debt from Genesis Credit Management for an account that has gone to collections that I have no knowledge of and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: AZ

Complaint narrative:
In Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b A Creditor may not treat a payment on a end consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a public record of 2 backruptcy that was never done I tryed to fix it with credit report agencys and they have not removed it I filed wrong paperwork to save my car from repossession but Ive lost car and I should not have to suffer 10 years on my credit report for a bankruptcy filed erroneous I even talked to bankruptcy court they said they didnt report it please take this from my record it shouldnt be there my XXXX Im a XXXX veteran and I need good credit please fix this and remove from all three credit bureaus thank you

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased an item from a company that uses Pay Pal. While I paid with a CC, Pay Pal decided to open an account for me without my permission. They captured my CC number. I attempted to close the account and once again, they reopened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT ED/AIDV Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-03-18 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: GA

Complaint narrative:
XXXX/DEPT OF Ed is reporting inaccurate information to my account. I am unfamiliar with this company. They need to be flagged and removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I am enrolled in the XXXX plan with a monthly minimum of {$0.00}. According to my plan information, no interest will accrue for all loans, including unsubsidized, while my plan minimum is met. My plan expires XX/XX/year>. I received monthly statements for {$0.00} regularly, with the most recent being XX/XX/XXXX. Without any communication from my servicer Aidvantage, XXXX loans started accruing interest. I only found out because my XXXX XXXX plummeted and my card company called me. I still can not confirm the start date of the accrual of interest, but it looks like it was XXXX of 2024. I have requested a refund and have received no further information from Aidvantage. All loans I have were included as eligible in the XXXX plan I am enrolled in. I have also filed a complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: NY

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error -The creditor 's mistake in not accurately showing a payment or credit that the consumer made on their account statement.

-A billing error under the Fair Credit Billing Act ( FCRA ) that is caused by a creditor 's computational or accounting mistake. 
Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide consumers with at least 21 days ' notice before reporting a late payment. Since I did not receive this notice, I am demanding to see hard evidence from the creditor 's bank account that I did not make the required payment and that the late payment was in error. 
I request that the following items on my credit report be updated to reflect that they were paid as agreed. 
1. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. This late payment status is irrelevant XXXX XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts on this letter updated immediately. If you do not comply, I will file a lawsuit in small claims court in my city and state seeking monetary damages for your violation of my rights. 

Sincerely, XXXX XXXX XXXX Please see the attached file.

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 2024-03-18 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: NY

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error -The creditor 's mistake in not accurately showing a payment or credit that the consumer made on their account statement.

-A billing error under the Fair Credit Billing Act ( FCRA ) that is caused by a creditor 's computational or accounting mistake. 
Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide consumers with at least 21 days ' notice before reporting a late payment. Since I did not receive this notice, I am demanding to see hard evidence from the creditor 's bank account that I did not make the required payment and that the late payment was in error. 
I request that the following items on my credit report be updated to reflect that they were paid as agreed. 
1. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. This late payment status is irrelevant XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts on this letter updated immediately. If you do not comply, I will file a lawsuit in small claims court in my city and state seeking monetary damages for your violation of my rights. 

Sincerely, XXXX XXXX XXXX Please see the attached file.

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 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
A complaint and order to remove account from the personal credit report was requested due to the account being shown as CHARGE OFF, which according to the Internal Revenue Service is considered income, which should be reported on the individual 's tax income. We have requested numerous time the company remove the account from the credit report as this account in COLLECTIONS is injuring the individual from attaining a higher credit score to participate in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: GA

Complaint narrative:
I have submitted multiple disputes in reference to the account from XXXX  XXXX XXXX XXXX. The credit bureaus have intentionally disregarded ever effort I have submitted to have this account removed from my consumer credit file. Hopefully YOU ' the CFPB are able to get the credit reporting agencies to remove this item from my consumer credit reports. This item can not be verified or validated because it does not belong to me.

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 2024-03-18 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: GA

Complaint narrative:
I have submitted multiple disputes in reference to the account from XXXX  XXXX XXXX XXXX. The credit bureaus have intentionally disregarded ever effort I have submitted to have this account removed from my consumer credit file. Hopefully YOU ' the CFPB are able to get the credit reporting agencies to remove this item from my consumer credit reports. This item can not be verified or validated because it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for WELLS FARGO BANK to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account WELLS FARGO BANK - XXXX  Last 4 digit SSN : 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 2024-03-18 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: AL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

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 2024-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b A Creditor may not treat a payment on a end consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX, Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A State I have the right to privacy 15 U.S.C Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-03-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX, Account # XXXX  has violated my rights 15 U.S.C 1681 Section 602 A State I have the right to privacy 15 U.S.C Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I contacted trans union on multiple occasions with my last dispute being sent out XXXX XXXX. My dispute informed the bureau that the collection of {$12000.00} from la child sup was not valid and did not transpire from a credit transaction. I also informed that it violates my privacy under the privacy act of 1974 ( 5 u.s.c. 552 ). I request that the account be removed from my credit report expeditiously if finding any inaccuracies found in compliance with 15 u.s.c. 1681 ( a ) which mandates prompt correction of inaccurate information.

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 2024-03-18 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: FL

Complaint narrative:
IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACOUNT # XXXX. HAS VIOLATED MY RIGTHS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTIOM 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WHITOUT MY WRITTEN INSTRUCTION

Company response to consumer: Closed with explanation