vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
MY CAR WAS REPOSSESS SAYING I WAS BEHIND ON PAYMENTS. I PAID XXXX TO HOLD ME OFF FOR A FEW MONTHS MY PAYMENTS WS XXXX A MONTH. THEY STILL CAME AND GOT MY CAR IN XXXX OF 2022 RIGHT AFTER I PAID THE XXXX AND I WOULD LIKE TO KNOW WHAT I NEED TO DO TO GET MY MONEY BACK OR MY CAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The consumer reporting agencies, Experian, XXXX and XXXX have not responded to my dispute after I have tried to let them know that they are furnishing inaccurate information. According to the law 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

The Consumer reports must be accurate this is law! I sent out my dispute on XX/XX/2023, and they did not respond and did not delete the inaccurate information off my consumer 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 2023-12-19 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:
Kindly delete this inquiry from my credit report. I did not initiate it and have no connection with the associated creditors. I urge for its immediate removal to ensure the accuracy of my credit information.

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 2023-12-20 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 of 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 of 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TX

Complaint narrative:
Experian was notified of my reported identity theft on XXXX. 
The FCRA requires credit bureaus to block reporting of information in your credit file that you allege resulted from an identity theft, within four business days after your notification to the credit bureau. 
Experian did not remove the account and did not respond until XXXX. Stating that the account was validated. I take this as intentional taunting and willful negligence by stalling as long as they were allowed. In this closing response they stated " a results summary '' was sent to me on XXXX which I have no record of and it was not what requested, nor was the account removed after receiving the FTC identity theft report # XXXX ( Exhibit A ) listed in CFPB report # XXXX ( Exhibit D ). 

XXXX XXXX XXXX XXXX XXXX notified by mail of the request for validation pursuant to Fair Debt Collection Practices Act, XXXX XXXX XXXX. 
XXXX XXXX XXXX did not respond within the 30 days per ( Exhibit F & G ), nor did they provide validation pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. 
Additionally, XXXX XXXX XXXX is violation of the Texas Collection Agency Act ( TDCAA ) and the Texas Debt Collection Act ( TDCA ) which requires that collection agencies, debt buyers, and attorneys, who engage in the collection of consumer debts, be licensed and bonded by the Texas Department of Financial and Professional Regulation ( IDFPR ) ( Exhibit H ). 
I have done all that I can to work with these agencies to remove the fraudulent claim and I am putting these companies on notice of intent to sue.

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 2023-12-19 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: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
I Disputed a Collection Account that was Reported on my Credit Profile. I have sent in Multiple Disputes & have yet to get a Removal or Response. The Account that was Reported is not Mine and I would like for the Credit Bureaus to Remove it. Once this is removed can you please have them to send me a Updated Credit Report. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: NY

Complaint narrative:
Kindly delete this inquiry from my credit report. I did not initiate it and have no connection with the associated creditors. I urge for its immediate removal to ensure the accuracy of my credit information.

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 2023-12-20 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: IN

Complaint narrative:
I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute and request the removal of unauthorized and unverified hard inquiries listed on my credit report, as provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiries in question, along with their respective dates, are as follows : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted each of these companies to inquire about the nature and purpose of these inquiries. However, they have consistently stated that they have no record of such inquiries in their systems. Therefore, I believe these inquiries are unauthorized and lack verification. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 2 ), I am entitled to request the removal of inaccurate and unverified information from my credit report. The FCRA mandates that consumer reporting agencies promptly investigate and remove any information that can not be verified.

I request that XXXX XXXX conducts a thorough investigation into these inquiries, proving me with proof of investigation and promptly removes them from my credit report if they are unable to be verified. I also kindly ask that you provide me with written documentation of the results of this investigation. 
Your prompt attention to this matter is appreciated, as the inaccurate reporting of these inquiries has the potential to harm my credit standing. 
Thank you for your assistance in resolving this dispute. I look forward to a swift and favorable resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: KS

Complaint narrative:
Planet Home Lending has reported me having a late payment for the XXXX bill and XX/XX/XXXX payments. We are in the process of buying a new home and this is being held up because of incorrect reporting that has been reported to credit and dropped my credit score over XXXX XXXX The XXXX bill was paid in full on XXXX XXXX XXXX was also reported late because of a simple error on my part by thinking since our current home was under contract and payoff was request with closing date provided, I wouldn't need to make anymore payments. As soon as I was notified and immediately made the full payment. I have payment proof that all bills have been paid timely within the 10 day grace period, I have called the company 20+ times to get this corrected. In XXXX they used a partial payment as principal only payment instead of normal mortgage payment which then threw every payment after that off by 2 weeks and assigned all payments to the wrong payment dates. after finally speaking with a supervisor I was told they would request for this to be corrected by XX/XX/XXXX because we are scheduled to close on our home XX/XX/XXXX. I called today and they are now saying it will not be corrected until XXXX I keep getting the run around and they will not tell my mortgage lending that it was an error on their end and that I was actually not late on payments. I have now paid {$1000.00} over the amount owed for XXXX  This is going to cause my family to be homeless because they can not get it together and make the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In the month of XXXX, as evidenced by the attached receipts, I requested an investigation to ensure compliance with the Fair Credit Reporting Act ( FCRA ). This act mandates that my information be accurately and completely displayed on my credit report. My dispute is not about the ownership of the accounts, as I acknowledge they are mine. 

My concern is solely about the accuracy of the information as required by FCRA Section 1681, which all Credit Reporting Agencies must adhere to. While some items were removed from my credit report ( as detailed in the attached documents ), they were later reinserted with the same inaccuracies. This reinsertion occurred because the creditor claimed the information had been verified as correct. 

According to the FCRA : ( i ) Certification of accuracy of information : If any information is deleted from a consumers file pursuant to subparagraph ( A ), it can not be reinserted into the file by the consumer reporting agency unless the furnisher of the information certifies that it is complete and accurate. 

The following accounts are still inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached you will find certified mail receipts and copies of my current credit report with the mentioned accounts and inconsistencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: NJ

Complaint narrative:
In the month of XXXX, as evidenced by the attached receipts, I requested an investigation to ensure compliance with the Fair Credit Reporting Act ( FCRA ). This act mandates that my information be accurately and completely displayed on my credit report. My dispute is not about the ownership of the accounts, as I acknowledge they are mine. 

My concern is solely about the accuracy of the information as required by FCRA Section 1681, which all Credit Reporting Agencies must adhere to. While some items were removed from my credit report ( as detailed in the attached documents ), they were later reinserted with the same inaccuracies. This reinsertion occurred because the creditor claimed the information had been verified as correct. 

According to the FCRA : ( i ) Certification of accuracy of information : If any information is deleted from a consumers file pursuant to subparagraph ( A ), it can not be reinserted into the file by the consumer reporting agency unless the furnisher of the information certifies that it is complete and accurate. 

The following accounts are still inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached you will find certified mail receipts and copies of my current credit report with the mentioned accounts and inconsistencies.

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 2023-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a letter from US Bank XXXX XXXX XXXX branch saying I was denied for a personal loan. The problem is that I never applied for the loan in the first place a similar application happened with XXXX XXXX, which they are investigating now and I received a phone call from XXXX saying someone charged a video game worth {$910.00} to my account, my XXXX account which I do not have

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 2023-12-20 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: TX

Complaint narrative:
I did not authorized nor consent any of the following accounts and inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts are negatively affecting my credit rating and violating my rights be removed or block from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: TX

Complaint narrative:
I did not authorized nor consent any of the following accounts and inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts are negatively affecting my credit rating and violating my rights be removed or block from 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 non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Synchrony Bank lowered my credit limits on three of my credit cards to the amount owed on the cards, that made my credit use go from 30 or 40 % to 100 %. that made my credit score go down hurting me financially, I have never been late, always payed more then the payment due.

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 2023-12-19 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: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
I Disputed a Collection Account that was Reported on my Credit Profile. I have sent in Multiple Disputes & have yet to get a Removal or Response. The Account that was reported is not Mine and I would like for the Credit Bureaus to Remove it. Once this is removed can you please have them to send me a Updated Credit Report. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
MY NAME IS XXXX XXXX AND I OPENED THIS BUSINESS ACCOUNT FOR XXXX  XXXX XXXX XXXX. ON XX/XX/2023 BECAUSE I STARTED DOING AFILLIATE MARKETING AND PAID SURVEYS. WELL MOST COMPANIES ONLY PAY YOU VIA PAYPAL. LAST WEEK I SPENT ALMOST TWO DAYS ON A SURVEY THAT PAID {$120.00} TO COMPLETE TO HELP WITH MY FOOD. TODAY THE PAYMENT WAS SENT PAYPAL HAS PLACED A 21 DAY HOLD ON EVERY DIME I HAVE AN HAD BEEN WAITING ON. THEIR REBUTAL IS BECAUSE MY ACCOUNT IS NEW I NEED TO DO 10 SALES, NO COMPLAINTS FOR 60 DAYS, AND MAKE {$200.00} IN SALES. THAT IS UNREASONABLE BECAUSE I DO NOT SELL ANYTHING AND THAT GOAL WOULD TAKE A LONG TIME WITH AFILLIATE MARKETING AND DOING PAID SURVEYS. TRADITIONAL BANKS DO NOT WITHOLD DEPOSITS FOR 21 DAYS SO HOW CAN THEY GET AWAY WITH THIS. I HAVE HAD TWO PAYMENTS OF {$10.00} AND CHANGE FROM DOING SURVEYS ON ANOTHER SITE NOT THE ONE THAT SENT THE {$120.00} AND THOSE PAYMENTS WERE NOT HELD. THIS IS COSTING ME UNJUST SUFFERING AND I WILL NOT STOP UNTIL THIS PLACE YES PAYPAL MAKES THIS RIGHT AND GIVE MY GROCERY MONEY TO ME THAT I HAVE WORKED FOR AND EARNED. ONE CUSTOMER SERVICE REP ASKED ME TO WRITE THE SENDER BACK AND ASK THEM TO SEND THE PAYMENT AS FRIENDS AND FAM INSTEAD OF GOODS AND SERVICES. THAT IS A PLACE OF BUSINESS WHO WILL NOT LIE FOR ME SO THIS IS JUST PREPOSTEROUS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On or about XX/XX/ I noticed a large sum of money missing from my account and when I check my account and realized that a XXXX XXXX  was withdrawing this money from my account I immediately called Wells Fargo bank and although the gentlemen that I spoke with said they would reissue me a temporary credit well they have not and continue to refused to give me the money that was taken out of my account without my consent or knowledge and despite me issuing police reports and an a affidavit of truth and facts ( see attached ) they still refuse to reissue me the funds stating that the transaction were authorized, although they have no proof of previous business or dealings. I dont nor have I ever knew a @ 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 2023-12-19 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: NJ

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

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 2023-12-19 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: NJ

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

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 2023-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
Debt happened why I was XXXX  and asking for debts to be removed.m

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