vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
My credit report contains accounts that are incorrect and do not belong to me. This situation is not only unjust but also concerning, as I have never engaged with or authorized any actions related to these accounts. If these errors are not thoroughly investigated and corrected, I will be forced to seek legal recourse.

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 2025-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Hello! My name is XXXX XXXX. I went to a dealership, I had purchased a vehicle from ( XXXX XXXX XXXX XXXX XXXX XXXX ). Iwas dealing with the same sales person ( XXXX XXXX ) from aforesaid vehicle. After about a year, the truck started to rust very badly. I spoke to the car salesman about the vehicle, he said trade it in. It took me a couple of months, but I did. The salesman said the financial company wouldn't buy back the truck. But he had a guy that would take on the payments. Me eager to get rid of the bad shape truck went for it. They scammed me, the truck is stuck @ the dealership, flat tires and the financial company says i have to tow it to voluntarily surrender the vehicle. I have text messages from the sales person, and the scam artist. I just need to know what i can do about this situation, thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
In response to case XXXX I requested an explanation of the difference from my unpaid principal and pay off. I was provided a pay off and charged XXXX related to the case opened with the CFPB. Now how UNFAIR is that. I had already obtained a verbal pay off and never requested another pay off. I want the company to waive the XXXX fee. 
I also already sent the money to pay off the loan and it was received by you today. 

I need to the lien release to reflect my legal name XXXX and married name XXXX. Attached are 2 of the supporting documents provided from the list in the CFPB case. Once that has been recorded with my legal name, please provide proof this was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MI

Complaint narrative:
XXXX, equifax, and XXXX was sent information requesting the removal of inquiries of companies i didn't recognize, they were also sent information of their data breaches and how my profile was one of the ones effected by their breaches. These companies have refused to do the proper investigations that are required by law to properly remove all information that has not been proven valid. Please remove all information on my profile that was effected by their data breaches

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX, XXXX, and experian was sent information requesting the removal of inquiries of companies i didn't recognize, they were also sent information of their data breaches and how my profile was one of the ones effected by their breaches. These companies have refused to do the proper investigations that are required by law to properly remove all information that has not been proven valid. Please remove all information on my profile that was effected by their data breaches

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 2025-01-06 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: FL

Complaint narrative:
I am writing to formally dispute the late charges inaccurately reported on my credit reports with XXXX, XXXX, and TransUnion. Despite my previous disputes with them, these inaccuracies remain unresolved. Furthermore, the reporting appears to have been made without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ). 

Additionally, I was affected by the XXXX data breach in XXXX and my XXXX XXXX is XXXX. The breach compromised my personal information, and it is possible that these inaccuracies are a result of this unauthorized access. I also understand that there was a breach at the Consumer Financial Protection Bureau ( CFPB ), which further exposed my information and could contribute to the inaccuracies on my credit reports. 

Under the FCRA, I am entitled to have all inaccurate, incomplete, or unauthorized information removed from my credit report promptly. Furthermore, I request : Verification of the methods used to investigate and verify this incorrect reporting, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), within 30 days.

Disclosure of the original source of this incorrect information, including who provided the late reporting to XXXX, XXXX, and TransUnion. 

Immediate deletion of the inaccurate information from my credit reports. 

To date, I have not received any proof of the investigation methods or results from my prior disputes. This lack of response is a violation of my rights under the FCRA. 

Attached, I have included proof of my identity to support my dispute : Proof of identity ( e.g., drivers license, Social Security card ). 

Please consider this matter urgent. I expect your written response, as required by law, within the 30-day period allowed under the FCRA. If this issue is not resolved satisfactorily, I am prepared to escalate the matter to the Federal Trade Commission ( FTC ) or pursue other legal remedies available to me. 

Sincerely, 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 2025-01-06 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: FL

Complaint narrative:
I am writing to formally dispute the late charges inaccurately reported on my credit reports with Experian, XXXX, and XXXX. Despite my previous disputes with them, these inaccuracies remain unresolved. Furthermore, the reporting appears to have been made without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ). 

Additionally, I was affected by the XXXX data breach in XXXX and my XXXX XXXX is XXXX. The breach compromised my personal information, and it is possible that these inaccuracies are a result of this unauthorized access. I also understand that there was a breach at the Consumer Financial Protection Bureau ( CFPB ), which further exposed my information and could contribute to the inaccuracies on my credit reports. 

Under the FCRA, I am entitled to have all inaccurate, incomplete, or unauthorized information removed from my credit report promptly. Furthermore, I request : Verification of the methods used to investigate and verify this incorrect reporting, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), within 30 days.

Disclosure of the original source of this incorrect information, including who provided the late reporting to Experian, XXXX, and XXXX. 

Immediate deletion of the inaccurate information from my credit reports. 

To date, I have not received any proof of the investigation methods or results from my prior disputes. This lack of response is a violation of my rights under the FCRA. 

Attached, I have included proof of my identity to support my dispute : Proof of identity ( e.g., drivers license, Social Security card ). 

Please consider this matter urgent. I expect your written response, as required by law, within the 30-day period allowed under the FCRA. If this issue is not resolved satisfactorily, I am prepared to escalate the matter to the Federal Trade Commission ( FTC ) or pursue other legal remedies available to me. 

Sincerely, 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 2025-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I have a due date of the XXXX, and I always call when I need to let them know about my promise date, the XXXX. I let them know it will be by then. They proceed to call me approximately 5-20 times a day. I have answered and told them to stop calling me so much as I have a set promise date. They will call again 30 minutes later. They blow up both mine and my wifes phone all day long with hardly any wait time between calls. They start around XXXX and dont end until around XXXX. Which is also out of the time frame they are allowed to call. I know they can only call 7 times in a 7 day period. They typically exceed the 7 calls within just 24 hours. I have asked them many times to stop as I work often and can not take so many calls. But they still proceed. I have let them know when I work and that I can not have personal phone calls in that time, so my phone just rings off the hook until I am able to get a break and answer. I tell them during that break that I can not accept phone calls during these hours and to stop calling so much. But back at it again not even an hour later, I receive another call. They call from multiple different numbers all from different states. I feel harassed and annoyed by the company. The company is Credit Acceptance.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'd like to dispute inaccurate information on my credit report, including incorrect address and other variations of my details that are not accurate. The address in question is XXXX XXXX XXXX # XXXX XXXX, NJ XXXX. Additionally, name variations are incorrect and not associated with me, such as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Incorrect Employer variation XXXX XXXX XXXX XXXX XXXX XXXX. These details are inaccurate and do not belong to me. I am requesting their immediate removal and for my credit report to be updated with only accurate and verified information. My name should be XXXX XXXX XXXX, my current address is XXXX XXXX XXXX XXXX, NJ XXXX, and my current employer is XXXXXXXX XXXX XXXX. Please fix these inaccuracies. Once these changes are made, I request written confirmation and an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: NC

Complaint narrative:
I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.

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 2025-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: OR

Complaint narrative:
Applied for XXXX from XXXX by Santander, immediately denied, " Hi XXXX, Unfortunately, we couldn't verify the information provided in your application and, are not able to open a Savings account for you at this time. 
If you believe your application information may have been entered incorrectly and youd like to apply again, please visit our website to reapply. 
We appreciate your interest in XXXX. '' Reapplied immediately ensuring info is correct. Received same result. Called and was told they have no record of my application. Applied a third time, same result. They told me that I may be being denied due to being unqualified for the account. I requested the reason and the agent was unable to provide that as she did not have clearance to tell me. " Resources are very limited, reapply tomorrow. ''

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 2025-01-06 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
When trying to make our usual Dillards Wells Fargo online monthly payment we found oud account was locked out. Calling the number that was given repeatedly kept getting us to XXXX XXXX card and we struggled with XXXX XXXX  XXXX for weeks because everything that we gave XXXX XXXX XXXXXXXX kept saying they now are serving the Dillards accounts but theyXXXX did not have any records for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX XXXX XXXX SS # : -- XXXX -- XXXX and/or XXXX SS # : -- - -- XXXX. We were hung up on several times and told to call back. Finally Citi Bank Card told us to call Dillards and after repeated calls and referrals a Dillards representative said our account was in escrow. Afterdays and days of 45-plus minute phone calls to Dillards a Representative said our account had a terrible mistake because it had been coded that we were XXXX  Once transfered to another department the Representative via telephone asked XXXX questions to verify he wasn't XXXX i.e., whats your name? whats you date of birth? whats your SS #? Then by late XXXX into XXXX things slowly began to not get any where and in XXXX we found out our Credit Score that had been in the high XXXX 's, had dropped down to the XXXX 's and we were told our account was closed because we were behind 3 months in making payments. So we asked to speak with some one to make a payment and the payment representative said she was in collections and could not take a payment because our account had been transferred to XXXX XXXX XXXXXXXX, and she gave the XXXXXXXX XXXX XXXXXXXX phone number to call. And we received 3 letters from all different addresses and Wells Fargo Departments. Today XX/XX/ XXXX we called and were told we will get a phone call back, they are working on our case.

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 2025-01-06 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: NM

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: NM

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: P&B Capital Group, LLC
State: CA

Complaint narrative:
Capital Group LLC and their case managers keep contacting me asking for someone else. I have already expressed to them that they have incorrect information. I have received multiple calls from them as well as text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Chrysalis Holdings LLC
State: PA

Complaint narrative:
Newday USA, which is my current loan servicer contacted me about a new VA program that i might qualify for on XX/XX/year>. 

Though I was denied, my information was spammed out from Newday USA to unknow third parties. 

It is now XX/XX/year>, and I have received well over 120 phone calls from providers that I have not requested information from, relating to my address and home. the phone calls are documented in my phone 's history. 

My wife 's information has also been spammed out to other agencies without her consent. 

I have contacted Newday customer service and they stated they removed me from lists ; however, this has not stopped the calls or harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
XXXX XXXX Account number XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear WFBNA CARD, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX 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