vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On my XX/XX/XXXX Toyota Financial Services ( TFS ) statement, I was charged a late fee for missing the XXXX payment, even though I authorized it by replying " PAY '' to their text messages. On XX/XX/XXXX, at XXXX XXXX, I called TFS to dispute this. After over an hour of discussion, the representative agreed to waive the late fee. During the call, I noticed the statement showed an outstanding balance of {$830.00}, but the representative said the payoff amount was {$840.00}. Frustrated and wanting to avoid future issues, I authorized TFS to deduct {$840.00}. On XX/XX/XXXX, TFS withdrew {$840.00} twice from my XXXX XXXX account. I contacted them immediately, and they admitted the error, promising to refund XXXX payment, which they credited on XX/XX/XXXX. The representative confirmed the car was paid in full, and I received the title and XXXX letters confirming this. On XX/XX/XXXX, TFS left a voicemail requesting I call back. When I did, the representative claimed I owed {$860.00}. Despite explaining the car was paid off with proof of letters and the title, they insisted otherwise. Frustrated, I asked for a manager but was told none were available. On XX/XX/XXXX, at XXXX XXXX, my son called TFS on my behalf. He spoke to a representative, XXXX, who admitted their error, apologized, and promised to resolve the issue and close the account. On XX/XX/XXXX, I received a letter confirming the account was closed. However, on XX/XX/XXXX, TFS called again, claiming I owed {$860.00}, instructed me to ignore previous letters, demanded I return the title, and threatened late fees. This harassment has caused extreme stress, worsened my health, and left me seeking a resolution to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
To Whom it may concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you please delete immediately when the requested above deletions are made please mail me an updated copy of my credit report. I was also wrongly steered into forbearance by XXXX am also a victim Account XXXX : company name - XXXX account # XXXX Account XXXX : ( company name + XXXX  account # 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 2025-01-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2025-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX I ordered XXXX email cards for {$40.00} each. I also ordered another to be sent to me at My XXXX XXXX XXXX. To date I have seen nothing. I called again today and was told today it takes several days to credit back for the XXXX cards that were to be emailed. Then I was told that they had sent me a response with a gift. I think the one sent to me at my XXXX XXXX XXXX coming. Howere I havent received a credit for the XXXX {$40.00} ecards.I am now very upset as they were for a friends birthday and XXXX. Also I didnt received any email about it with a gift? I want my credit for the {$40.00} email certificates. She has now missed using them for sales etc. I called today and the girl said she had to transfer me to a different dept. but instead we were cut off. I hope you can help me with this. I have called and last week they said my credit would appear in XXXX hours. Nothing at all. 
I appreciate your help. Sincerely

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-14 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: LA

Complaint narrative:
FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX XXXX BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX # XXXX XX/XX/year> -- {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Momnt Technologies, Inc.
State: FL

Complaint narrative:
We were solicited off XXXX on or about XX/XX/XXXX for a quote for a bathroom remodel. We were contacted by a company named XXXX XXXX, who sent a sale rep to the house to show us different designs and materials. After my wife and I decided on the bathroom remodel design we wanted, we filled out a form to apply for their special 0 % down, 0 % percent finacing for 12 month through a leander named Momnt. ( XXXX ) customer service number. account number XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The represenative XXXX XXXX explained that we were apporoved and a rep would be by the house in a few days to take measurments. As he explained we were contacted by the representative and they showed up to take measurments where they explained their material and tubs are made in Illinois and would would be availaible around XXXX. We immediately recieved payment request from Momnt which we made every month until when we didnt hear from XXXX  XXXX XXXX XXXX, and attempted to reach out, whereas the phone numbers were disconnected. We called the corporate office located in Illinois and spoke to customer service whom explained that they were aware of the sub-contactor issue and advised to dispute the fraud with Momnt. We called Momnt whereas they acknowledged the known issue with the company and stated that they appologize, and they will investigate. Shortly after the account showed closed in XXXX XXXX. In XXXX, XXXX, I recieve a email from Momnt stating that they are reinstated the loan and I would have to repay a loan that I was victim of a ponzi scheme. I called and spoke with customer service whereas they told me to bad. That I need to pay the loan. I would like to report fraud ... I never recieved goods or services and I had a loan fraudulently taken out in my name for a ponzi scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
This account was opened in XX/XX/year> for the amount of {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian- this past XXXX of XXXX  I attempted to dispute most information off my credit because I did not recognize the names of the accounts, most of the accounts were taken over by a new company & many more. Once attempting to dispute that information Experian did an investigation for 2 days and provided me with the information that it was accurate and they had reached out to the companies. Apparently there is a lawsuit going on stating Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. Therefore I would like this reviewed and most things removed off my account for companies that closed, written off or changed company names without sending a letter or email notice.

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 2025-01-14 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: RI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CL Holdings LLC
State: NJ

Complaint narrative:
I am a victim of identity theft and the account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there appears to be an issue with their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return, nor have I received any communication regarding this by mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I put over XXXX into a savings acct with M & T Bank XXXX XXXX Pa. I was promised 4.5 % interest and temporarily received that until they changed it twice over the course of a couple of months to 0.5 %. They said its on your statement but no one at the branch could find it. The supervisor at the main location directed me to see the change. They just didn't care and probably bank on folks not seeing this.

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 monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I purchase air ticket from XXXX from XXXX to XXXX. I was getting cheaper ticket from else where so i cancelled this ticket within XXXX hours window that allows me to get full refund. XXXX processed full refund but Apple Credit card is keep putting me charges on my card. I sent them XXXX receipt and refund confirmation but they keep charging me saying charge is from XXXX. I never brought ticket directly from XXXX. so why would apple not reaching out to XXXX and complete investigation of this dispute and keep coming back to me with charges for ticket that i never flew or use. thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo called and informed me that I had 10 days before my account closed due to fraud with another bank but I have been with Wells Fargo for years now and just opened a new account. Im not sure what has happened and I would never commit 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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Aspire started charging a monthly maintenance fee of {$12.00} along with a couple of other fees I did not agree to back around XX/XX/year>. They did offer for me to close my account to avoid the fees at the original terms and carry my balance until paid in full, which I accepted as I have great credit and refuse more than interest. They closed my account and I made my monthly payments and 2 months ago they started charging the fees anyways. I tried to get them removed but they refuse. I was treated terrible, even by the supervisor. Please help

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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XX/XX/year> PORTFOLIO RECOVERY A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re : Debt Validation Request ( ACCOUNT # XXXX ) Dear : Collection Agency Representative I am writing to request validation of the debt you are attempting to collect from me. I have recently pulled my credit report and noticed that there is a collection listing from your agency. Stating I owe {$580.00} on account SYNCH-XXXXXXXXXXXXXX. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C $ 1692g, I am requesting that you provide me with the following information to validate this debt : 1. The amount of this debt 2. The name and address of the original creditor 3. The date of the last payment 4. The date of the default 5. A copy of the original contract or agreement 6. A detailed accounting of all Fees and interest added to the dept.

7. Proof that the statute of limitations has not expired.

Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 
Please note that I am not admitting to owing this debt and am only seeking validation of the debt as requested by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2025-01-14 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:
I was reviewing my credit report last night and noticed that there was a new collection that appeared on my account from XXXX. XXXX, XXXX XXXX ( XXXX XXXX ). It shows the date it was opened as XX/XX/2024 and shows a balance of {$280.00}. I have never done any business with this company, and have not received a letter stating that I owed a debt to them. Nothing was mailed to my place of residence prior to after this was added to my credit report. I have received XXXX correspondence as to this collection. By law, they are required to send correspondence informing me of the debt and giving me an opportunity to request additional information regarding the debt. This was never done. I have not received an original agreement between me and this business. I have not received a bill or any account statements showing payments or proof that this is my debt.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
I have been in continuous repayment of my student loan since XXXX. I have verified my PSLF eligible employment throughout this time. My loans were involuntarily placed in forbearance due to the SAVE litigation. I have followed the Federal Student aid instructions to request a buyback. I have waited >45 business days for this buyback offer and heard nothing. I have contacted the help center at studentaid.gov on multiple occasions and have not received an answer or resolution. This delay is negatively impacting my financial and personal life. 
Thank you, XXXX XXXX

Company response to consumer: Untimely response