vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute a late payment that has been reported on my XXXX and TransUnion reports by XXXX XXXX XXXX XXXX The account was opened on XX/XX/2022, and I believe this to be an error. 

I have never been late with any payment, and this is my first time experiencing such a problem. I am at a loss as to what to do, and I am seeking your assistance in rectifying this issue. I am confident that I have been timely in all my payments to XXXX XXXX XXXX, and I will do anything to prove it. I have been a responsible borrower, and I take my credit history seriously. 

I understand that a good credit score is essential for financial stability and security, and I am committed to maintaining an excellent credit rating. I am aware that the Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccuracies in my credit reports. I am exercising this right to dispute the late payment reported by XXXX XXXX XXXX. 

I am confident that I will be able to prove that this is a mistake, and I am requesting that the late payment be removed from my credit reports. In addition, I want to stress that I will need an advocate if this happens again. I will not allow my credit history to be affected by errors or inaccuracies, and I will fight for my rights under the law. 

I am committed to being a responsible borrower, and I will not tolerate any action that might damage my credit rating. In conclusion, I respectfully request that you investigate this matter and remove the late payment from my credit reports. I am willing to provide any evidence or documentation necessary to prove that I was on time with my payments. 

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute a late payment that has been reported on my XXXX and XXXX reports by Toyota Motor Credit XXXX The account was opened on XX/XX/2022, and I believe this to be an error. 

I have never been late with any payment, and this is my first time experiencing such a problem. I am at a loss as to what to do, and I am seeking your assistance in rectifying this issue. I am confident that I have been timely in all my payments to Toyota Motor Credit, and I will do anything to prove it. I have been a responsible borrower, and I take my credit history seriously. 

I understand that a good credit score is essential for financial stability and security, and I am committed to maintaining an excellent credit rating. I am aware that the Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccuracies in my credit reports. I am exercising this right to dispute the late payment reported by Toyota Motor Credit. 

I am confident that I will be able to prove that this is a mistake, and I am requesting that the late payment be removed from my credit reports. In addition, I want to stress that I will need an advocate if this happens again. I will not allow my credit history to be affected by errors or inaccuracies, and I will fight for my rights under the law. 

I am committed to being a responsible borrower, and I will not tolerate any action that might damage my credit rating. In conclusion, I respectfully request that you investigate this matter and remove the late payment from my credit reports. I am willing to provide any evidence or documentation necessary to prove that I was on time with my payments. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Monevo Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX saying my application was submitted to XXXX XXXX XXXX XXXX XXXX and it was declined. I did not apply for any loan and I also have a fraud alert on my credit report. No one tried to contact me via any forms of communication I have listed on my credit report to let me know someone was trying to use my credit. Instead they ran my credit and submitted me for a loan. I have tried to email and call Monevo, but there is no customer service phone number. The number I did find was no help at all. It was just an automated system. I reached Out to XXXX and told them this was a fraudulent application. They told me that they can only have the application in " identity theft '' status for 7 days. I'm on the phone telling the representative that I did not authorize this and she says that is there policy. I need for Monevo to take my personal information out of their system!! And now I have an unwanted inquiry on my credit report!! Monevo did not do their due diligience on verifying my identity. All they are concerned about is making a loan/profit!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern : I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof.You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
To whom it may concern : I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof.You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately.

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 2023-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
Comenity Capital Bank sold to XXXX XXXX XXXX a credit card balance of {$600.00} for purchases allegedly made at the XXXX XXXX XXXX XXXX XXXX  by me. 

The reality is that I never have had a credit card account with XXXX, XXXX and XXXX, nor I have ever received a statement of account or any collection communication from such store or Comenity regarding any credit card outstanding balance. 

As a result of this my FICO score has plummeted from XXXX to XXXX and increased the cost of credit of my new loan applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
Citizens failed to close my account as instructed, back when I had brought my account balance to XXXX. That allowed merchant XXXX to continue charging my card despite my instructions not to. Due to Citizens ' failure to close my account as instructed, XXXX was able to post another {$30.00} to my card. I reported the unauthorized charge to Citizens and reiterated my instruction to close the account. Instead, Citizens piled on its own fees and charges, nearly doubling the purported balance up to {$59.00}. Citizens stubbornly continues attempting to collect this alleged debt that I do not owe. Citizens seems determined to keep allowing and imposing charges for which I am not responsible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.I 'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) .For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and conrm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and veried information for each claim. If any of these claims are not true, please delete them immediately.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.I 'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) .For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and conrm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and veried information for each claim. If any of these claims are not true, please delete them immediately.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I am not aware of this account in my consumer report. 

I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I called and ask for a break down of my payment each month I pay the debt and the amount I owe never changes it was a car loan that I already paid intrest on now they are charging more interest

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN did not follow procedures to validate and verify the account from XXXX XXXX XXXX. EXPERIAN did not conduct proper investigation before or after disputing this account.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The account in question is not mine, as I stated in my initial complaint. Despite the fact that it says this account has been validated, the information is still incorrect. This account has to be immediately deleted from my credit record, as requested.

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 2023-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I rented an apartment when I moved to XXXX while my house was being built. I had a full security deposit and paid my rent timely. The apartment repeatedly flooded while I lived there because of a faulty refrigerator line and washing machine. The floors were ruined and the carpet and pad was damaged. They never fixed these things. I moved out at the end of the lease. I was in the apartment for approximately 6 months. I left the place clean and they kept my deposit without any written notification. I complained about the water damage which they never addressed. I have pictures of the flooding and damage. I have pictures of the house that I left in good condition. I was never sent any written notification from them that they were keeping my deposit. I was never contacted in writing by anyone that they were trying to collect a debt. I only noticed that there was a problem when I got a notification on my credit report. I moved in XX/XX/XXXX and moved out XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
On XX/XX/2023, submitted an online application for checking account and received instant approval and notification that my account funding ( transfer from another bank ) had been processed. Upon attempting to login to online banking on XX/XX/2023, I receive a notification that the account no longer exists. If this is said to be accurate, there was no notification from this company, nor any explanation for same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AUSSRQ Holdings, LLC
State: NY

Complaint narrative:
I have no acknowledgment of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's le be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will ght back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be conrmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more condent in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards METRO 2+. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences.I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and veried information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the 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 non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THERE IS A BANKRUPTCY CASE ( XXXX XXXX CT FL XXXX XXXX : XXXX ) SHOWING ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. IT BELONGS TO SOMEONE WITH A SIMILAR NAME AND BIRTHDATE. I HAVE DISPUTED SEVERAL TIMES WITH ALL THE CREDIT BUREAUS AND THE FLORIDA BANKRUPTCY COURTS AND IT IS STILL REPORTING.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THERE IS A BANKRUPTCY CASE ( XXXX XXXX CT FL XXXX XXXX : XXXX ) SHOWING ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. IT BELONGS TO SOMEONE WITH A SIMILAR NAME AND BIRTHDATE. I HAVE DISPUTED SEVERAL TIMES WITH ALL THE CREDIT BUREAUS AND THE FLORIDA BANKRUPTCY COURTS AND IT IS STILL REPORTING.

Company response to consumer: Closed with explanation