vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: FL

Complaint narrative:
Signed a lease for XXXX  months with XXXX  months free. Moved in XX/XX/XXXX. XXXX  month 's rent was credited, pro-rated for the partial month. XXXX 's rent was credited. The next XXXX  months were paid by XXXX. Moved out XX/XX/XXXX. The apartment was cleaned, walk through with management 's rep, was told everything was fine. In XXXX I received an email from XXXX XXXX including a " Resolution Offer ''. I did not receive any statement of account from XXXX XXXX prior to the collection effort by XXXX. I sent XXXX a screen shot of the XXXX ACH payments, and a screen shot of my calendar showing reservations at XXXX XXXX for XXXX, indicating I moved out timely. XXXX said they would investigate the account, contacting the creditor. I warned the XXXX clerk that I did not want any issues that would affect my credit. Then pushed multiple times on multiple calls as to where the investigation was? The standard response was " there is no timetable, we are waiting for the creditor to respond. ". I contacted the A/R at XXXX XXXX XXXX XXXX messages for a week. I finaly got a leasing agent to review the account, and she saw the error, The XX/XX/XXXX rent should have been credited, pro-rata, to fulfill the " XXXX free '' offer. I asked for her to issue a credit and call off the collection effort. She said only XXXX could do it, so I left message for XXXX to call. I sent XXXX an email. I called XXXX the next day. XXXX finally returned the call and we went through the accounting. I asked XXXX to zero the account and call off the collection effort. This was all XXXX. XXXX XXXX XXXX XXXX emailed me to let me know all but {$48.00} was credited, but the {$48.00} was due and could only be paid by cashier 's check or money order. I copied XXXX on the correspondence from HG on XXXX. I delivered a cashier 's check to HG the XXXX  business day, and sent a copy of the receipt to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I C SYSTEM is falsely reporting an account I do not own. I have had the same phone/internet provider since XXXX and would not need an account with the XXXX listed. I have reached out to XXXX and they are now able to provide me with any information on this account. Please provide me proof that of XXXX account being opened XX/XX/XXXX XXXX 

I do not feel comfortable providing my the last 4 of my SS due to information I am reading about IC systems current collection practices

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 2024-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Between the years XXXX and XX/XX/XXXX, I received a direct deposit of {$450.00} into my account on a weekly basis. However, in XXXX, the amount was increased and changed to a biweekly direct deposit. As per my account type, I am exempt from all fees as long as I maintain a monthly direct deposit of more than {$250.00}. Despite this, the bank has been charging me a monthly fee of {$4.00} since XXXX. 

I have reached out to the bank to request a refund of all the fees that have been charged to my account. Initially, I was informed that only XXXX of the fees could be refunded. Subsequently, I escalated the matter and was assured by the escalation department that the back office would process a refund of all the fees within XXXX to XXXX hours. However, it has now been XXXX days since this conversation, and I have not received any refund or communication from the bank. 

I believe that these practices employed by the financial institution are unfair and deceptive. There was no need for these fees to be charged to my account in the first place. I kindly request your urgent attention to this matter and expect a prompt resolution, including a full refund of all the fees that have been unjustifiably charged to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: CA

Complaint narrative:
I am filing this complaint due to inaccurate information reported by Equifax on multiple accounts, specifically regarding the " Date of Last Activity, '' " Date of Last Payment, '' and " Date Last Reported '' for the following accounts. These discrepancies negatively impact my credit report and differ from the information provided by other credit reporting agencies ( XXXX and XXXX ). Despite my efforts to address these inaccuracies with Equifax, the errors remain unresolved. 

The accounts in question are : XXXX XXXX ( Account number ending in XXXX ) Inaccuracies : Date of last activity, date of last payment, and date last reported differ from those reported by other credit bureaus. 

XXXX ( Account number ending in XXXX ) Inaccuracies : Date of last activity, date of last payment, and date last reported do not match with other bureaus. 

CAPITAL XXXX ( Account number ending in XXXX ) Inaccuracies : The date of last activity, date of last payment, and date last reported are inconsistent compared to other credit reporting agencies. 

XXXX ( Account number ending in XXXX ) Inaccuracies : The date of last activity, date of last payment, and date last reported are inaccurate and differ from reports provided by other credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: RI

Complaint narrative:
I have XXXX late payments on this account. That shouldnt marked as late according to section 1637 ( b ). I did not receive reasonable procedure within the time frame stated below. This is in fact a violation on their end according to 15 U.S. Code 1666b - Timing of payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, is % XXXX % XXXX % XXXX % XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: MA

Complaint narrative:
I am writing to dispute inaccurate information currently appearing on my credit report regarding several accounts that continue to be erroneously reported as linked to a bankruptcy, which has been removed from my credit history. This is in violation of 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of the information they maintain. 

Affected Accounts : XXXX CARD - Account # XXXXXXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX Since these accounts are incorrectly linked to a bankruptcy that has already been removed from my credit report, I am requesting their immediate removal to ensure the accuracy of my credit history, as required by 15 U.S. Code 1681e ( b ).

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 2024-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Subject : Urgent Complaint Regarding Unethical Financial Practices Dear Consumer Financial Protection Bureau, I am writing to formally express my dissatisfaction and concern regarding an experience I had XXXX XXXX XXXXXXXX dealership. On XX/XX/year>, I placed an order for a brand-new XXXX  XXXX XXXX XXXX. The dealer quoted me a vehicle price of {$57000.00}, with a subtotal of {$57000.00}, sales tax of {$5000.00} ( 8.875 % ), and a processing fee of {$170.00}. The total amount due on delivery was {$62000.00}. 

On XX/XX/year>, I was informed that my vehicle was ready for pickup and final documentation. The sales representative advised me to provide a down payment of {$8000.00}. However, I indicated that I wished to pay the full amount in cash via a certified check. When I arrived at the dealership, I was advised to finance the purchase. Despite having {$70000.00} available, I was told by Business Manager XXXX XXXX that I could only pay {$50000.00} in cash and would need to finance the remaining balance due to dealership policy. 

XXXX XXXX assured me that financing {$50000.00} would result in a favorable interest rate, and I would only need to make one payment initially. He claimed that the interest rate would not significantly impact me, and I would be able to pay off the remaining balance in XXXX. I was directed to obtain a certified check for {$50000.00} from a nearby XXXX XXXX, which I did. 

When I returned to the dealership, XXXX XXXX presented me with paperwork, congratulated me on the financing terms, and explained that my credit score of XXXX would not result in a substantial financial impact due to the favorable terms. He wrote down that my monthly payment would be {$440.00}, and I signed the documents in good faith. 

Upon reviewing the documents at home, I was shocked to discover that the finance charge fee amounted to {$7900.00}, with an annual percentage rate of 9.70 %. The total amount of credit was listed as {$24000.00}, and the total payment over the term of the loan was {$31000.00}. This resulted in a total sale price of {$81000.00}, when the initial total amount due on delivery was {$62000.00}. 

It appears I have been misled and pressured into taking an unnecessary loan, incurring an excessive finance charge. I feel that I have been a victim of unethical practices by XXXX XXXX and the dealership. 

I request immediate assistance in resolving this matter. I seek a thorough review of my case and a correction of the finance terms to reflect the true cost of the vehicle. I appreciate your prompt attention to this serious issue. 

Thank you, Vehicle XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX keeps reporting the wrong about and ruining my credit even thought the debt is under my bankruptcy. My attorney has tried to reach them. I have sent the paperwork over and they refuse to remove the debt even though its illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: WI

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 knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

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 2024-09-15 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: GA

Complaint narrative:
CFPB Complaint XXXX ; Equifax removed unauthorized inquiries XX/XX/XXXX as shown in the credit report ; However, against their own rules and FCRA regulations , added the incorrect information one month later. As stated, the following inquiries were removed prior according to prior reports and disputes and should not be added again per your regulations and FCRA regulations which provides provisions related to record accuracy and states identity theft is not part of a factual record. It furthers penalize the victim ( myself ) as this information lowers my credit score resulting in higher rates in loans and denial of credit cards. 
o XXXX XX/XX/XXXX Never requested credit with this organization; was removed prior. 
o XXXX XXXX XX/XX/XXXX & XX/XX/XXXX- Never requested credit with this organization; was removed prior. 
o XXXX XX/XX/XXXX- Never requested credit with this organization; was removed prior. 
o XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Never requested credit with this organization ; was removed prior. 
o XXXX XX/XX/XXXX- Never requested credit with this organization; was removed prior. 
o XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX- Never requested credit with this organization; was removed prior. 
o XXXX XXXX, XXXX XX/XX/XXXX, XXXX Never requested credit with this organization; was removed prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: RI

Complaint narrative:
I have XXXX late payments on this account. That shouldnt marked as late according to section 1637 ( b ). I did not receive reasonable procedure within the time frame stated below. This is in fact a violation on their end according to 15 U.S. Code 1666b - Timing of payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit 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 XXXX  days before the payment due date https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, is % XXXX % XXXX % XXXX % XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I had bank accounts opened in my name without my consent and money Wells Fargo took from 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 explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: FL

Complaint narrative:
The property XXXX illegally submitted an erroneous move-out charge to collections despite the amount being in dispute, without notification of its dispute status. The collection agency was made aware of the dispute by me. The property XXXX stated in writing on XX/XX/year> that the amount was corrected to {$0.00}. The collection was placed on my report XXXX months later, despite it being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a closed secured loan account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/2021 under the account number ( private ). This account have resulted in a fraudulent closed account appearing on my consumer XXXX credit report. I have attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # private case number ) as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.

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 2024-09-15 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I have {$1100.00} sitting in the account they claim to have closed due to a disputed transaction the disputed transaction investigation has been concluded and I still haven't received the money that is sitting in the so called closed account I have called numerous times to get my money and they refuse to send it stating that they are doing an internal investigation on my account usage and that they do not have any other information as to when it will be released or what type of internal investigation they are conducting I just want my money that is in the account ASAP as I have bills I need to pay with that money! They closed my account stating that " Weve decided to close your Capital One joint bank account ( s ) ending in XXXX because we observed activity that is inconsistent with our expectations for account usage. The account ( s ) will not be reopened. '' This was on XX/XX/year>. I have yet to receive my money sitting in that account. Deposits can be made to it as my paycheck went in there because I couldn't stop it in time but no funds can be withdrawn. I have talked to numerous banks and lawyers and what they are doing by holding my money isn't legal! Their letter to us said once all claims are completed they would send our money within 3-5 days to a linked account or 5-7 days by check. We have a linked account and still no money received.

Company response to consumer: Closed with explanation