vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I went to purchase vehicle. The owner ( XXXX  ) did not disclose with me the interest of the purchase of the car. I never received my paperwork. He kept saying I would receive it. I never receive my purchase of the vehicle paperwork. I spoke with my vehicle loan company ( Westlake ) and they said my payment is not XXXX it is XXXX because of interest and the car lot ( XXXX XXXX ) did not disclose that with me when purchasing of the vehicle. I found out the full amount of the loan last month. XXXX XXXX sold me a car that was over priced and did not disclose the full amount. I never received my paperwork from XXXX XXXX. XXXX XXXX did not disclosed an amount of the loan correctly. I feel taken advantage of.and need help. I wouldnt have never accepted that car for that price. I feel taking advantage of because I am a women and the men pressured me to buying that car. They said I had a warranty I tried to get my car fixed because the brakes, rotors, axles, and engine light was on. I call the loan company put in an estimate for the car getting fixed and was denied. The warranty did not cover none of the issues of the car. I had to pay out of pocket for the cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: NY

Complaint narrative:
I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC
State: NY

Complaint narrative:
I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: GA

Complaint narrative:
After carefully reviewing my credit report I noticed an influx on inquires that werent authorized by myself in a result identify theft. Inquiries listed below ; 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 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer requests Methods of Verification from all three CRA Under FCRA from XXXX XXXX  payment history and all documents submitted within 15 days by mail or email. Consumer has requested documentation from original creditor and CRA both companies violated FCRA if not noncompliance under section FCRA B 616.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer requests Method of verification under FCRA XXXX XXXX XXXX  lates payment all documents submitted within 15 day by email or mail if All three CRA refuse I will enforce FCRA B 616.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer requests Method of verification under FCRA XXXX XXXX XXXX  lates payment all documents submitted within 15 day by email or mail if All three CRA refuse I will enforce FCRA B 616.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My previous complaint was inappropriately closed : XXXX The company has flat out given wrongful information. They did run a promotion, they did not give me the miles. 

To top it off, they told me to send them the evidence of this promotion through their secure messaging portal, but this is a pathetic joke, as their secure portal does not work when I try to send attachments!!!! Please see the screenshot. 

I was under the impression CFPB exists to prevent customers from this kind of abuse from powerful credit card companies. I am waiting to find a satisfactory resolution to this case still. 

In the original case, I have detailed that I had a promotion from XX/XX/XXXX to XX/XX/year>, whereupon if I spent {$9000.00}, I would get XXXX miles. That has never happened. I did confirm I have spent over {$9000.00}. Chase has flat out cut off my phone after keeping me on long waits, and now, they responded saying no such promotion existed. I am AGAIN attaching evidence of this promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital is reporting a credit card item on my credit report which is inaccurate. I dont have a credit card with Jefferson Capital .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted company and had fraud accounts closed. i also put a fraud alert on all three credit agency reports. I received a letter from Trans Union concerning my dispute to remove the hard inquiries from the company. the investigation has not resulted in the removal of the fraudulent inquires. Everyone is in alignment. The company closed the accounts and i informed the credit agencies. The XXXX hard inquiries should be removed by Trans Union. No reason to keep fraud accounts hard inquiries on my report to further hurt me with this incident. XXXX XXXX bank Inquiry date XXXX XXXX, XXXX, XXXX XXXX bank Inquiry date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Dear Chime Customer Support Team, I am writing to formally dispute inaccurate information that Chime has reported on my credit report. The information does not accurately reflect my account history, and I am requesting that it be investigated and corrected as soon as possible. 

The inaccurate information is as follows : Specific Inaccuracy : I only have a credit balance of {$140.00}. The reports show hundreds and sometimes even in the thousands Date ( s ) of Issue ( s ) : Latest balance reported on XX/XX/year> Balance of {$910.00}. 

To support my claim, I have attached a copy of the following document that verify my accounts correct status : XXXX XXXX balance. 
Please update my account information with the credit bureaus to reflect accurate details. Additionally, please send me written confirmation of the completed correction and notify the credit bureaus of these changes. 
I trust that you will investigate this matter in a timely and accurate manner under the Fair Credit Reporting Act ( FCRA ). Should you require further information, please contact me at the number or email listed above. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: OH

Complaint narrative:
Subject : Statement of Inaccuracies on Credit Report I am writing to formally dispute inaccuracies on my credit report. My name is [ XXXX XXXX ], and my Social Security number is [ XXXX ]. 

Upon reviewing my credit report, I found the following inaccuracies : 1. [ Account XXXX XXXX XXXX XXXX  ] : This account shows [ describe the error, e.g., inaccuracies Are XXXX  Account Type - XXXX XXXX Status - PAID, CLOSED Status Updated - XX/XX/XXXX Balance Update - Paid Off - Past due - XXXX Account Type - INSTALLMENT Status - PAYS ACCOUNT AS AGREED Status Update - XX/XX/XXXX Balance Update - XXXX XXXX Paid off - 100 % Past Due - TRANSUNION Account Type - INSTALLMENT ACCOUNT Status - PAID OR PAYING AS AGREED Balance Update - XX/XX/XXXX Past Due - {$0.00} Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Subject : Statement of Inaccuracies on Credit Report I am writing to formally dispute inaccuracies on my credit report. My name is [ XXXX XXXX XXXX, and my Social Security number is [ XXXX ]. 

Upon reviewing my credit report, I found the following inaccuracies : 1. [ Account XXXX XXXX XXXX XXXX ] : This account shows [ describe the error, e.g., inaccuracies Are XXXX Account Type - SECURED LOAN Status - PAID, CLOSED Status Updated - XX/XX/XXXX Balance Update - Paid Off - Past due - EQUIFAX Account Type - INSTALLMENT Status - PAYS ACCOUNT AS AGREED Status Update - XX/XX/XXXX Balance Update - XXXX XXXX Paid off - 100 % Past Due - XXXX Account Type - INSTALLMENT ACCOUNT Status - PAID OR PAYING AS AGREED Balance Update - XX/XX/XXXX Past Due - {$0.00} Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer requests Methods of Verification from all three CRA Under FCRA from XXXX XXXX payment history and all documents submitted within 15 days by mail or email. Consumer has requested documentation from original creditor and CRA both companies violated FCRA if not noncompliance under section FCRA B 616.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: NJ

Complaint narrative:
I am formally disputing the XXXX XXXX account reported on my credit file. After conducting a detailed review, I have identified numerous compliance issues that do not meet Metro 2 standards and compromise the integrity of this data. Due to these unresolved issues, I am requesting the immediate deletion of this account from my credit report. 

Compliance Issues and Inconsistencies : 1.Inconsistent Payment Status : XXXX and TransUnion report this account as Charge-off, while XXXX lists it as Unpaid balance reported as a loss by credit grantor. This inconsistency in reporting charge-offs across bureaus violates Metro 2 standards, which mandate uniformity in reporting. If XXXX XXXX can not ensure consistent reporting, this account should be removed. 
2.Conflicting Last Updated Dates : The last updated date for XXXX and TransUnion is XXXX as XX/XX/year>, while XXXX shows XX/XX/year>. This discrepancy demonstrates a failure to maintain accurate and timely reporting, further violating compliance standards. Given the lack of data integrity, this account should be deleted if an accurate last updated date can not be verified. 
3.Erroneous 2-Year Payment History : The payment history includes contradictory delinquency statuses across months and bureaus. For example, multiple months are marked as Charge-off ( CO ) inconsistently, with other months showing various delinquency levels like 90, 120 days late, or Not Reported ( NR ). This erratic reporting undermines the reliability of this account and fails to meet the standards of accurate, clear, and compliant data reporting. 
4.Irregular Derogatory Events : XXXX lists 30, 60, and 90-day late payments spanning various months, whereas TransUnion and XXXX do not reflect these derogatory events in the same manner. Such discrepancies indicate a lack of consistent reporting and further demonstrate non-compliance with Metro 2 requirements. Given these irregularities, the account can not be deemed accurate and should be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: NJ

Complaint narrative:
I am formally disputing the XXXX XXXX account reported on my credit file. After conducting a detailed review, I have identified numerous compliance issues that do not meet Metro 2 standards and compromise the integrity of this data. Due to these unresolved issues, I am requesting the immediate deletion of this account from my credit report. 

Compliance Issues and Inconsistencies : 1.Inconsistent Payment Status : Equifax and XXXX report this account as Charge-off, while XXXX lists it as Unpaid balance reported as a loss by credit grantor. This inconsistency in reporting charge-offs across bureaus violates Metro 2 standards, which mandate uniformity in reporting. If XXXX XXXX can not ensure consistent reporting, this account should be removed. 
2.Conflicting Last Updated Dates : The last updated date for Equifax and XXXX is reported as XX/XX/year>, while XXXX shows XX/XX/year>. This discrepancy demonstrates a failure to maintain accurate and timely reporting, further violating compliance standards. Given the lack of data integrity, this account should be deleted if an accurate last updated date can not be verified. 
3.Erroneous 2-Year Payment History : The payment history includes contradictory delinquency statuses across months and bureaus. For example, multiple months are marked as Charge-off ( CO ) inconsistently, with other months showing various delinquency levels like 90, 120 days late, or Not Reported ( NR ). This erratic reporting undermines the reliability of this account and fails to meet the standards of accurate, clear, and compliant data reporting. 
4.Irregular Derogatory Events : Equifax lists 30, 60, and 90-day late payments spanning various months, whereas XXXX and XXXX do not reflect these derogatory events in the same manner. Such discrepancies indicate a lack of consistent reporting and further demonstrate non-compliance with Metro 2 requirements. Given these irregularities, the account can not be deemed accurate and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
I sent a Validation and cease and desist on XX/XX/XXXX, i never received proof that the debt was validated and all the information and the placed a collection on my credit report on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have student loans on my credit report. I received confirmation from XXXX XXXX that my loans have been forgiven under Public Service Loan Forgiveness ; however, the balances are still showing on all 3 of my credit reports. I submitted disputes through each credit reporting agency and the disputes were resolved ; however, the balances have not been removed from my credit reports notwithstanding the fact that I submitted proof of loan forgiveness/discharge. I am not sure if this is an issue with the credit reporting agencies or XXXX as the credit reporting agencies say they spoke to XXXX in resolving the dispute which resulted in no updates to my credit report.

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