vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
There is something coming from diversified adjustment saying I owe over XXXX dollars to XXXX. I have never had a XXXX  account. I contacted XXXX and they said I do not owe them anything. I don't know where this is coming from. I disputed this 3 times from my report and I got rejected. I don't have XXXX  account never did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-10 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I was told i was behind $ XXXX after answering the phone because they were harrassing me non stop all day they call from from XXXX to XXXX XXXX  which is illegal especially since i am and have been actively paying it down and i just submitted a payment they are greedy and very annoying and Im about to get a different car i should not be getting harassed on a daily when i am making my payments leave me alone

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 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Firstly, I PAID MY STATE OF XXXX STATE INCOME TAXES ; AND MY FEDERAL TAXES. WELLS FARGO BANK SENT MY STATE PAYMENT ; TO the U.S. TREASURY TAX PAYMENT. SECONDLY, MY FEDERAL TAX LIABILITY WAS {$1000.00}. MY STATE OF XXXX TAX LIABILITY ORIGINALLY WAS {$1700.00}. XXXX HAS ADDED LATE FEES BRINGING THE CURRENT PAST DUE TO OVER {$2200.00}.

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 2024-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
Please see the attached letter that I received from MOHELA dated XX/XX/2023 from a complaint that I filed against it with CFPB. 

I still have not received the {$1700.00} refund despite the letter stating that the check due to me would be issued via mail from the US Department of Treasury and that they will facilitate the process within the coming WEEKS. 

It's been more than 4 MONTHS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-10 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Equifax Consumer Dispute Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. XXXX Account # : XXXX Amount : {$13000.00} XXXX XXXX Account # : XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Amount : {$220.00} XXXX XXXX XXXX  Account # : XXXX Amount : {$7600.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim, such as Letter, Driver 's License and Social Security Card.

Please ensure that these documents are taken into account during your investigation.

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this time frame. If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as to notify all parties who received my credit report in the past six months.

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: ID

Complaint narrative:
Car payments for {$7500.00} via XXXX from XXXX XXXX XXXX XXXX to Toyota via their https : //www.toyotafinancial.comXXXX  using my XXXX XXXXXXXX XXXX as well as their XXXX XXXX are being accepted and then reversed resulting in interest accruing. 

First payment XX/XX/XXXX accepted then reversed, tried again on XX/XX/XXXX after talking to Toyota Financial and XXXX XXXX. Payment accepted, remaining balance adjusted then on XX/XX/XXXX website says payment failed and balanced readjusted back to prior to payment. 

There is no problem on XXXX XXXX end, I've made many eft payments using their routing and my account # s for sums much larger than XXXX. Researching online I find than there are other customers in the same time frame having same problem.

In addition their website notes ... '' As we are updating our website and payment experience, you may be asked to add your bank account information again. Once you add and save this information, you can access it for future use '' This problem needs to be acknowledged, fixed and all interest accrued because of the failure refunded to me and other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
This is a continuation to my original complaint XXXX. The company, XXXX, was notified by your department on XX/XX/XXXX and I was called by XXXX on XX/XX/XXXX and spoke with a woman who claimed to be an " investigator '' for my claim. We discussed the loan and I expressed to her that the final amount owed was double the pay off amount. The pay off in XX/XX/XXXX was ~ {$13000.00}, and the company was charging me {$24000.00} on my credit report.She said she would investigate that amount. I also requested through a verbal " Goodwill letter '' that the derogatory marks on my credit report be removed. She said she would look into that. She said that she would follow up with me and call me the week of XXXX XXXX. As of this day, XXXX XXXX, I did not hear back from her. 
It is quite obvious that this company is not serious nor making any concerted effort to resolve this issue amicably. Just as they have shown in the past 11 months. I am not going to waste my valuable time dealing with a party that has no true intentions in settling this dispute.

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: PA

Complaint narrative:
XXXX XXXX was unable to pull my credit report due to a glitch in my unlocked security freeze on my XXXX  account so they used LexisNexus/parent company. LexisNexus reported a XXXX XXXX XXXX. I have not had a XXXX XXXX XXXX in over 5 years. My XXXX score is over XXXX and my XXXX  score at the time was XXXX. I dont know what information LexisNexus is using, but clearly their information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: FL

Complaint narrative:
I have been a XXXX XXXX XXXX for almost 5 years, I HAVE ALWAYS PAID ON TIME EVEN THOUGH I FELL ON SOME HARD TIMES I ASKED THEM TO FORGIVE THE LATE PAYMENTS AS A COURTESY BUT THEY CLAIMED THAT THE LATE PAYMENTS ARE ACCURATE BUT THEY ARE NOT THEY NEVER PROVIDED ANY VERIFICATION OF LATE PAYMENTS NUMBER ONE NUMBER TWO I EXPLAINED MY SITUATION OF BEING WRONGFULLY TERMINATED, EVICTED FROM MY HOME, LOSING MY CAR, LACK OF UNEMPLOYMENT BENEFITS, MY FAMILY DISOWNING ME DUE TO MY LIFESTYLE OF BEING XXXX AND BEING USED BY SO CALLED FRIENDS!!! THEY LACKED A LOT OF EMPATHY AND EMPLOY XXXX XXXX XXXX ALONG XXXX XXXX! THIS SITUATION HAS BEEN DAMAGING TO MY XXXX  HEALTH CAUSING ME TO XXXX  AND XXXX XXXX ALONG NO JOB OR HOUSING DUE THEM NOT REMOVING THE LATE PAYMENTS LIKE I ASKED, HOUSING FOR PUBLIC IS FULL AND MY SITUATION DOES NOT QUALIFY FOR A LOT OF ASSISTANCE PROGRAMS ARE LOW COST DUE TO THE SENSITIVE NATURE OF MY SITUATION!!!! THEY SEEM NOT XXXX XXXX XXXX XXXX XXXX XXXX AND THEY NEED TO REMOVE THE XXXX LATE PAYMENTS AND PAY {$160000.00} IN LOST WAGES!!!

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 2024-02-10 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: FL

Complaint narrative:
I have been a XXXX XXXX XXXX for almost 5 years, I HAVE ALWAYS PAID ON TIME EVEN THOUGH I FELL ON SOME HARD TIMES I ASKED THEM TO FORGIVE THE LATE PAYMENTS AS A COURTESY BUT THEY CLAIMED THAT THE LATE PAYMENTS ARE ACCURATE BUT THEY ARE NOT THEY NEVER PROVIDED ANY VERIFICATION OF LATE PAYMENTS NUMBER ONE NUMBER TWO I EXPLAINED MY SITUATION OF BEING WRONGFULLY TERMINATED, EVICTED FROM MY HOME, LOSING MY CAR, LACK OF UNEMPLOYMENT BENEFITS, MY FAMILY DISOWNING ME DUE TO MY LIFESTYLE OF BEING XXXX AND BEING USED BY SO CALLED FRIENDS!!! THEY LACKED A LOT OF EMPATHY AND EMPLOY XXXX XXXX XXXX ALONG XXXX XXXX  THIS SITUATION HAS BEEN DAMAGING TO MY XXXX HEALTH CAUSING ME TO XXXX XXXX XXXX XXXX ALONG NO JOB OR HOUSING DUE THEM NOT REMOVING THE LATE PAYMENTS LIKE I ASKED, HOUSING FOR PUBLIC IS FULL AND MY SITUATION DOES NOT QUALIFY FOR A LOT OF ASSISTANCE PROGRAMS ARE LOW COST DUE TO THE SENSITIVE NATURE OF MY SITUATION!!!! THEY SEEM NOT XXXX XXXX XXXX XXXX XXXX XXXX  AND THEY NEED TO REMOVE XXXX XXXXXXXX LATE PAYMENTS AND PAY {$160000.00} IN LOST WAGES!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: FL

Complaint narrative:
I have been a XXXX XXXX XXXX for almost 5 years, I HAVE ALWAYS PAID ON TIME EVEN THOUGH I FELL ON SOME HARD TIMES I ASKED THEM TO FORGIVE THE LATE PAYMENTS AS A COURTESY BUT THEY CLAIMED THAT THE LATE PAYMENTS ARE ACCURATE BUT THEY ARE NOT THEY NEVER PROVIDED ANY VERIFICATION OF LATE PAYMENTS NUMBER ONE NUMBER TWO I EXPLAINED MY SITUATION OF BEING WRONGFULLY TERMINATED, EVICTED FROM MY HOME, LOSING MY CAR, LACK OF UNEMPLOYMENT BENEFITS, MY FAMILY DISOWNING ME DUE TO MY LIFESTYLE OF BEING XXXX AND BEING USED BY SO CALLED FRIENDS!!! THEY LACKED A LOT OF EMPATHY AND EMPLOY XXXX XXXX XXXX ALONG XXXX XXXX  THIS SITUATION HAS BEEN DAMAGING TO MY XXXX HEALTH CAUSING ME TO XXXX XXXX XXXX XXXX  ALONG NO JOB OR HOUSING DUE THEM NOT REMOVING THE LATE PAYMENTS LIKE I ASKED, HOUSING FOR PUBLIC IS FULL AND MY SITUATION DOES NOT QUALIFY FOR A LOT OF ASSISTANCE PROGRAMS ARE LOW COST DUE TO THE SENSITIVE NATURE OF MY SITUATION!!!! THEY SEEM NOT XXXX XXXX XXXX XXXX XXXX XXXX AND THEY NEED TO REMOVE THE XXXX LATE PAYMENTS AND PAY {$160000.00} IN LOST WAGES!!!

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 2024-02-10 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-02-10 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: NY

Complaint narrative:
There is an erroneous inquiry on my Experian report .It is XXXX. XX/XX/year> this is not my inquiry and must be deleted immediately as per FCRA laws.

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 2024-02-10 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. XXXX Account # : XXXX Amount : {$13000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX, XXXX Amount : {$840.00} XXXX XXXX Account # XXXX Amount : {$220.00} XXXX XXXX XXXX  Account # : XXXX Amount : {$7600.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim, such as Letter, Driver 's License and Social Security Card. 
Please ensure that these documents are taken into account during your investigation. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. if you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as to notify all parties who received my credit report in the past XXXX months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
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 explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
They canceled my no interest promotion because they claim I went 10 days past due on my account, which is not true. I never went 10 days past due. I even spoke to a rep herself that sent in a request to get my promotion reinstated because she said she could not find where I was late more than 10 days. I was also told by the store rep at the store when we took out the loan that the interest would begin after the 12 months if it was not paid in time. Not that it was going to be added from the first day of purchase. I shouldve owed XXXX dollars and they added almost XXXX dollars of interest to my account and refuse to assist in getting that reversed for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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:
I have pulled my credit report and noticed that there are inaccuracies regarding the information that Equifax is allowing to be reported. I have recently contacted the company by phone and mail to update my personal information and they have failed to do so. 


The items that need to be corrected are my name, address, date of birth and employer. 

Also, there is a closed XXXX account that they have yet to validate and I have asked multiple times, via mail, for this account to be validated and proven to be an actual account that should be reported on my profile. My requests have gone unanswered for over a year. This is a charged-off account, but yet they keep reporting it monthly as if it is also an active account. I need more information regarding this debt and its validity.

There are also 2 US Department of Education accounts that are being reported as collection accounts between XX/XX/XXXX through XX/XX/XXXX. 

US Dept EDXXXX These accounts are being reported as late and should not be due to the Covid-19 C.A.R.E.S. Act which provided student loan forbearance during the pandemic.

These two accounts are negatively impacting my credit score, and should not be reported as late due to the federal law that was passed providing relief for student loan payments during the pandemic.

Company response to consumer: Closed with non-monetary relief