vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my frustration with the dispute process regarding item on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The item in question is unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

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 2024-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Hi, there! 
how are you? 
My problem with the XXXX XXXX department is the monthly payment mostly. It's a pre-owned XXXX XXXX XXXX off road//. Briefly, the retail price is {$41000.00}, XXXX terms, and I paid a {$3000.00} downpayment in cash, this transaction was made in XX/XX/XXXX. It's been two years now, every time I try to re-financing the vehicle will be told by them or banker in other bank that my currently rate is quite low and reasonable enough. Therefore, there is no room for me to bring down the $ 824 monthly payment. Truly, this is the point definitely XXXX me off. I clearly remember that the day before I sign up the contract, the salesman told me that my rate is 7.89 % like so that after get a loan {$41000.00} from them in XXXX terms, my monthly payment goes to {$820.00}. Back then, I told them it's too high for me to afford it, and they firmly tell me that I can re-financing the car after half year later. However, I try my best to make payment on time over 2 years now, and it never has possibility for me to lower my payment. Why? after a deep analyze on this case from the beginning till now, I start to realize that the entire buying experience is a setup trap like. XXXX  XXXX, they calculated my monthly rate based on the high APR, XXXX % but in their app the fixed rate is 5.86 %. I had done a math with the online vehicle calculator, and the result is {$720.00} based on these basic values. XXXX  XXXX, on their app, it shows I still have {$30000.00} remaining balance left so far, but the total terms still have XXXX. In the past two years, the total money I had paid is {$26000.00} like. Isn't it looks weird? Suppose I keep making the {$820.00} next, here, divide {$30000.00} by {$820.00}, the total left terms should be XXXX, not XXXX left on the app. Overall, it has too many places really confused me from then till now, and I was trying to stop paying, but I soon after realize that not the best way to defend my legal right. The end, FOR BETTER KNOWING THE DETAILS OF MY CASE, pls take a close look on the contract I upload and investigate on it for me ASAP. 

Bow down in advance! 

XXXX XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
On XX/XX/2024 I received a notice from United Collection Bureau stating that I had owed them. I respectfully asked them to show me an original contract that showed that I had taken into a contract with this company. I sent them by certified mail return receipt a questionnaire as well as a letter not refusing to pay if they could show me. To no avail they kept sending old copies of a contract that was taken with them nor did they complete my questionnaire. I actually gave them the time allowed by the FCDPA and FCRA. I sent them XXXX ( XXXX ) notices in which I have attached here within. They ignored all three ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: OH

Complaint narrative:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. Here are the following accounts 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 2024-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I previously spoke with XXXX XXXX  Credit Union regarding XXXX credit card accounts. XXXX account is an XXXX XXXX and the other account is a XXXX. The amount that this company is recommending I pay is inaccurate. I spoke to a representative in their counseling department that told me there were no payment options available to me and I do not qualify for the program. They insisted I pay an outstanding amount that is not correct. During the dispute I asked for documentation of the accounts. I never received them. My accounts were closed, and my accounts were sold to a third-party collection company. I'm now receiving letters and calls from collections agencies after being asked to be place on their do not call list. I am not liable for the debt owed to these companies. I do not have a signed contract or any contract with them. My credit report has had a negative impact based on the inaccurate information reported by XXXX XXXX  Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing and furnishing of my information. I requested to opt out of those activities but Wells Fargo N.A. continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against Wells Fargo and its assigns, affiliates and non affiliates on handling my private accounts. Attached is demand affidavit and agreement.

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 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
My account has been frozen for 33 days with no access to my funds because they had a security breach. I reported XXXX charges to my account that where not mine they investigated and credited my account. I have been told my account was being closed and they would send me a check for the balance in my account. I wanted to transfer some money to another account and they refused stating the check was already processed. It appears to me there are holding my money XXXX and I will not be able to pay my bills that are due on the XX/XX/year> so I will be incurring late fees and my credit will be greatly affect. I call every day and get a different story as to which department is handling the case its a big circle jerk. Please help me resolve this as soon as possible I'm sick to my stomach from this abusive lack of customer service from CREDIT KARMA. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
TRADEMARK VIOLATION " 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 2024-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
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 2024-06-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I froze my credit at all XXXX agencies a few years ago. Since then, I've regularly tried to unfreeze for brief periods when I applied for credit. I have no problem doing this online with either XXXX or XXXX. With XXXX, the experience is much different. 
When I try to log in, I get various errors, such as wrong telephone number associated with this account ( it isn't ). I've tried resetting and setting up a new account. The message I get is to send in personal information by snail mail. I'm not willing to do that given the risk of sending such info through the mail. 
Most recently, I clicked a link to unfreeze and was able to sign in but the page that pops up is not an unfreeze page but a link to their credit monitoring service. I can not get past it to do what I want to do. 
You can't reach a person on their customer service line. 
I know I'm not the only XXXX - https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S.Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In if, general after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete item or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file bf the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately 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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S.Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In if, general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete item or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file bf the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX BANK

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I saw a promotion for Citi Bank and it stated that new account holders can earn {$300.00}. Please see below. 

New checking customers can earn a {$300.00} cash bonus by opening an eligible checking account from XX/XX/XXXX to XX/XX/XXXX with qualifying Enhanced Direct Deposits and completing required activities. See offer details. 

In order to get the deposit you have to set up your account from the page advertising the promotion and follow the 3 simple steps that have to be completed within 90 days of opening your account. 

The 1st requirement is to open a new Citi checking with Enhanced Direct Deposits and enroll between XX/XX/XXXX and XX/XX/XXXX. 

The XXXX requirement is to Deposit at least two Enhanced Direct Deposits which can be made via recurring paycheck, pensions, XXXX, XXXX, XXXX, etc. that equal more than {$1500.00} combined. 

The 3rd step is receiving the {$300.00} bonus within 30 days of completing the steps. 

( All of this information can be found on their website at banking.citi.com ) I decided to sign up on XX/XX/XXXX. I completed all steps by XX/XX/XXXX and when I did not receive the bonus, I followed up by calling representatives. Every representative I spoke with claimed that they were unaware of the promotion, even though it is the first thing listed at the top of their website. I read the steps and asked if I could be given a reason why they are choosing not to honor their promotion and was informed that a dispute has been filed. The representative could not even tell me what the dispute was for and kept asking me for a code. After the 3rd failed attempt of speaking to representatives, I asked to speak to a supervisor to file a complaint and the supervisor was also not aware of Citi Banks current {$300.00} sign up bonus. I was given a fax number and told to submit proof of said promotion which is ridiculous because I only know of this promotion, due to it being on the companys website. I have signed up for accounts in the past and never experienced this. Upon further review, I found others complaining of the same issue with not receiving their deposits and being told by representatives over the phone that they are not familiar with the bonus. Im not sure why this is such a hassle but I would not recommend Citi Bank based my current experience.

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 monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This company keep updating Closed on the account each month. Reporting every month like it's a new account. Making my score go down and i am trying to purchase a house. 

XXXX XXXX XXXX Acct # 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 2024-06-04 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: CA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-06-04 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
did not furnish any info that i requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have XXXX reenter a payment plan that I have been in with XXXX They are telling me since I purchased a new vehicle, I no longer qualify for a payment plan. I ha e offered to pay the same amount from previous plan. They continue to call at least 6 times a day and sometimes at the same time. ( Phone and cell ). The amount to be paid is unaffordable. Please help. I am having a breakdown mentally due to the harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
XXXX Account Number- XXXX Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to abtain credit. it my understanding that the credit bureaus will investigate this account for me to ensure accuracy Please look into this matter for me 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 explanation