vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-25 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
An fraud inquiry was reported on my XXXX report from Capital one. The inquiry occurred on XX/XX/2024 and I was made notified by both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX of the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I keep seeing this Portfolio Recovery on my credit report for collections in the amount of {$430.00} from an account opened in 2019 through XXXXXXXX XXXX  I don't have any cards with XXXXXXXX XXXX as the financial establishment. That is not my account. I have disputed this as fraudulent with the credit bureaus at least 5 times to no change. No one seems to know where this came from. It is not my account. I want that removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: CO

Complaint narrative:
On XX/XX/2024 I made my first mortgage payment and did accept that late fee as it was the first month for a total of {$3300.00}. On XX/XX/2024 that payment was returned to me with an additional {$20.00} " bad chk '' charge although is was paid through ACH. 
On XX/XX/2024 I paid it again for a total of {$3100.00} as the money was returned to my account. This is still for the XXXX month payment. On XX/XX/2024 I paid for the XXXX Mortgage statement in the amount of {$3300.00} which included a late charge of {$130.00} and included a {$20.00} " bad chk '' fee yet again paying ACH, although in my lender contract it states I have until the XXXX of every month to make my payments without late charges. On XX/XX/2024 the XXXX mortgage payment was sent back to me yet again in the amount of {$3300.00} where they then immediately charged me another late fee of {$130.00} and two more separate {$20.00} " bad chk '' fees. 
Again paying through ACH. On XX/XX/2024 I made the XXXX mortgage payment again in the amount of {$3100.00} as that was the showing due amount. On XX/XX/2024 I made the XXXX mortgage statement in the amount of {$3100.00} as showing due on my account. On XX/XX/2024 the XXXX mortgage payment was sent back to me in the amount of {$3100.00} with an added on {$20.00} " bad chk '' fee and a {$130.00} late fee immediately. When I called and asked about the events that were happening TYPE OF ISSUE Payment process XXXX because they have tanked my credit nearly XXXX points and are showing my home loan as delinquent, their response was that there were " insufficient funds '' yet they had the funds for 2 weeks plus before returning the money into my back account. I am now being told that I can not make my XXXX mortgage payment online or going further, that I must pay with cashiers checks. They are destroying my credit and are creating negative remarks that are effecting my credit card limits and my husbands credit and card limits as well. I am being told there is nothing the can do for 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 2024-03-25 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: CO

Complaint narrative:
On XX/XX/2024 I made my first mortgage payment and did accept that late fee as it was the first month for a total of {$3300.00}. On XX/XX/2024 that payment was returned to me with an additional {$20.00} " bad chk '' charge although is was paid through ACH. 
On XX/XX/2024 I paid it again for a total of {$3100.00} as the money was returned to my account. This is still for the XXXX month payment. On XX/XX/2024 I paid for the XXXX Mortgage statement in the amount of {$3300.00} which included a late charge of {$130.00} and included a {$20.00} " bad chk '' fee yet again paying ACH, although in my lender contract it states I have until the XXXX of every month to make my payments without late charges. On XX/XX/2024 the XXXX mortgage payment was sent back to me yet again in the amount of {$3300.00} where they then immediately charged me another late fee of {$130.00} and two more separate {$20.00} " bad chk '' fees. 
Again paying through ACH. On XX/XX/2024 I made the XXXX mortgage payment again in the amount of {$3100.00} as that was the showing due amount. On XX/XX/2024 I made the XXXX mortgage statement in the amount of {$3100.00} as showing due on my account. On XX/XX/2024 the XXXX mortgage payment was sent back to me in the amount of {$3100.00} with an added on {$20.00} " bad chk '' fee and a {$130.00} late fee immediately. When I called and asked about the events that were happening TYPE OF ISSUE Payment process XXXX because they have tanked my credit nearly XXXX points and are showing my home loan as delinquent, their response was that there were " insufficient funds '' yet they had the funds for 2 weeks plus before returning the money into my back account. I am now being told that I can not make my XXXX mortgage payment online or going further, that I must pay with cashiers checks. They are destroying my credit and are creating negative remarks that are effecting my credit card limits and my husbands credit and card limits as well. I am being told there is nothing the can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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 am not liable for the following Inquiries from ( XXXX ) - ( XXXX ) - ( XXXX ) - ( XXXX XXXX XXXX ) .nor do I have a contract with them and they did not provide me with any signed agreement between us. I never made any Inquiries from these companies.

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 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I received 2 loans from OneMain Financial, was never disclosed the premium amount of the optional products or that I was able to cancel at any time. I was told my monthly premium payment with the products added. When I questioned the rep I was given a higher amount if I did not have the optional product on the loan. 

I finally finished paying my loan in XXXX of 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-03-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I received an auto loan where the finance charge was 35.96 % but based on the amount Its well above that amount then when I pay my bill the company is only applying XXXX $ - XXXX dollars to my principle over the last 4 years so my amount has not reduced. they have collected over {$10000.00} but only applied XXXX to my principle so that the interest is being applied daily but I was not aware of that then they added a Single life premium and a IUI premium to my contract without my knowledge or they never made me aware of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TX

Complaint narrative:
In response to the credit reporting agencies ' claim that these accounts were thoroughly investigated and verified, I question the validity of such assertions given the numerous inaccuracies present on my credit report. 

As a consumer, I demand transparency regarding the meticulousness of your agency 's verification process. Under 15 U.S.C 1681i ( 7 ), I am entitled to know the precise steps taken to ensure the accuracy of these items. It is imperative that every effort is made to guarantee the integrity of my credit information, and I will not settle for anything less than complete accountability.

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 2024-03-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In response to the credit reporting agencies ' claim that these accounts were thoroughly investigated and verified, I question the validity of such assertions given the numerous inaccuracies present on my credit report. 

As a consumer, I demand transparency regarding the meticulousness of your agency 's verification process. Under 15 U.S.C 1681i ( 7 ), I am entitled to know the precise steps taken to ensure the accuracy of these items. It is imperative that every effort is made to guarantee the integrity of my credit information, and I will not settle for anything less than complete accountability.

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 2024-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
When I went to sign paperwork one main said I had to sign up for other products to get the loan life insurance and other stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
tried to reach out to credit acceptance multiple times so that i could get the original contract that was signed for this auto loan, and they would not provide me with any info at all. they are trying to sue me for the payments, but they never reached out to me at all about the car. every time i call they give me the run around and no info about the loan at all.

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 2024-03-25 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: MI

Complaint narrative:
These late payments are inaccurate and I've tried to get them removed various times throughout the years with no resolution from XXXX XXXX XXXX. The late payments are : XX/XX/2022 - XX/XX/2022 ( 30-60 day late payments ) Per USC CODE 1666B " A creditor may not treat a payment on a loan account under an open end consumer plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' I did not receive any statements, rather mail or digital mail / email within 21 days of my statement.

These late payments should removed or updated as current / positive status on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These late payments are inaccurate and I've tried to get them removed various times throughout the years with no resolution from XXXX XXXX XXXX. The late payments are : XX/XX/2022 - XX/XX/2022 ( XXXX day late payments ) Per USC CODE 1666B " A creditor may not treat a payment on a loan account under an open end consumer plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' I did not receive any statements, rather mail or digital mail / email within 21 days of my statement.

These late payments should removed or updated as current / positive status on 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
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was a victim of identity theft and I ask the company LVNV Funding to provide me documents on five accounts that they say I owed that was put on my credit report on XX/XX/year> for the amounts of XXXX dollars, XXXX dollars, XXXX dollars, XXXX dollars and XXXX dollars.I ask LVNV funding to send a license to say they operate in my state, i ask LVNV funding for a chain of custody which they never provided and I ask LVNV funding for a purchase agreement. In which they never provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On and about XX/XX/XXXX, I notice 2 separate unauthorized charges on my USAA credit. I immediately contacted USAA to investigate the charges and cancel the credit card. USAA investigated the false charges and issued a new credit card. On XX/XX/XXXX, the fraudulent charge of {$4500.00} re-appeared on my new credit card account. I received a noticed from USAA stating that the fraudulent charge of {$3300.00} was removed from my credit account. However, the {$4500.00} was placed back on my account. 

Below is the information i forward to USAA credit card division and my defense of the fraudulent charges. 

Date : XX/XX/XXXX Subject : Chargeback of {$4500.00} To : USAA Fraudulent Dept To whom it may concern : I am writing to dispute the {$4500.00} which was charged back to my USAA account. The evidence that was presented under case # XXXX is totally fraudulent and documented to make it appear that I have done business with this business ( XXXX XXXX XXXX XXXX ). 
I contend that I have never done business with this organization ( XXXX XXXXXXXX XXXX XXXX ) and have never been associated with this company. And never been in the hair care, locs or hair entrepreneur. I have not received any products or rented any space or received mentorship from this organization. And is not and has never been a customer of XXXX XXXX XXXX. 
The receipt and evidence provided is totally fraudulent and has been doctored/manipulated to appeared be an invoice provided to me. 
What service was provided? What is an Establishments? 
The Order Detail sheet is totally made to look like a actual invoice, however, email listed is not an email that use or recognize and the XXXX XXXX  is surely not from my laptop or location from where I resign. 
The text document has manipulated and doctored as well. You can not determine from the document who is the originator of the text message, only showing my number listed. There is not a response from myself. 
The entire document is totally manipulated to appear to be a legitimate item. 
I first reported this fraudulent transaction back in XX/XX/XXXX and at that time I cancelled the original credit card and request new one. 
This is totally fraudulent document and I intend on fighting until it is resolved. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Both XXXX and Experian show my bankruptcy accounts with 30, 60, and 90 day delinquencies/past due accounts. This is false information. The credit companies are not reporting this, but they are reflecting in on my report as such. Status shows as never late but in my overall report it shows I have at least 8 accounts that are currently delinquent/past due. This is inaccurate reporting and is causing me to not be able to get home owner 's insurance, a new mortgage loan, etc - even though my credit score is not poor.

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