vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION
State: ME

Complaint narrative:
Since XX/XX/year>, a car I used to own was totalled in an accident that was not deemed my fault. Credit Acceptance has continued to report this car as functional and therefore has negatively impacted my credit because they still want to predatorily take money from me even though I have not had access to the car/not functional. The total amount of the original loan is {$13000.00}. However they said they have sold the car at auction and I am still responsible for around {$5000.00}. According to the XXXX XXXX XXXX XXXX, Credit Acceptance has been sued regarding predatory regulations of car loans on their customers. I would like this loan removed from my credit as it is highly negatively affecting my ability to purchase a new car.

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 2024-10-02 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-02 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: FL

Complaint narrative:
I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt XXXXwhich falls under XXXX as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.

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 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and tge following inquires were not performed by me. Please delete the following : 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 )

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 2024-10-02 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: CO

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-10-02 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Clerical error by XXXXXXXX XXXX : It appears there was a clerical error in how XXXXXXXX XXXX processed the payments. Despite making the payment on time, the account was incorrectly marked as overdue. I provided bank statements and payment receipts showing that the payments were processed. 
Evidence provided : I attached transaction records from my bank verifying that the payments were made on time, well before the XXXX delinquency threshold. I also included copies of emails from XXXX XXXX confirming that no delinquency notice was sent to me. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-02 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Clerical error by XXXXXXXX XXXXk : It appears there was a clerical error in how XXXXXXXX XXXX  processed the payments. Despite making the payment on time, the account was incorrectly marked as overdue. I provided bank statements and payment receipts showing that the payments were processed. 
Evidence provided : I attached transaction records from my bank verifying that the payments were made on time, well before the XXXX delinquency threshold. I also included copies of emails from XXXX XXXX confirming that no delinquency notice was sent to me. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-02 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: IL

Complaint narrative:
Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. ''

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I have called over 20 times since XXXX XXXX to request access to my credit report, but each time, I have been refused access to my personal credit account. Despite verifying my identity over the phone, I have received numerous excuses such as promises that someone will call me back, claims that the system is down, statements that no supervisor is available, or even being abruptly hung up on. 

As an American citizen, I have the right to access my credit report to monitor it, freeze or unfreeze my account, and ensure its accuracy. I kindly request immediate access to my personal credit account as per my rights. 

Here is the error I get every time I try and log in to access my account Oops, we're sorry! 
Call us toll-free at XXXX Hours of operation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CADENCE BANK
State: MS

Complaint narrative:
I apply for jobs submitting reviews for XXXX company for commission and I worked for about XXXX weeks doing that and they did tell me that you know Id have to transfer some money over into my work account to offset negative balance sometimes well I did a total of {$3300.00} And not once have I received my commission well now whenever I disputed it with my bank I called because I didnt know exactly how to dispute it. My bank filed it wrong instead of in XXXX XXXX. They put XXXX and they said it was fraudulent like I didnt do it, but I explained to him what happened and Well she filed it and they sent me a denial letter that they denied my dispute because my excessive transfer over to Cash app, and whenever I called him to explain that you know the amount they had was wrong and how they filed it was wrong. The lady I spoke with said it was service is not received is how she was supposed to file it, but since it was already denied, my bank refused to reopen it or to even re-file it because it was already denied and they closed out my checking account. Now since my bank denied my dispute of XXXX XXXX XXXX dollars XXXX XXXX XXXX dollars my house is up for repossession and so is my husbands company equipment and my bank doesnt want to do anything to help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, Wells Fargo let some body steel {$3400.00} from two of my checking accounts I put in a complaint on XXXX XXXX with you guys and Wells Fargo responded two days later said they will look at the issue but I believe they didnt do anything And I got the exact same response that I got the first time that was our fault the bank refuses to refund the money that was stolen

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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I accepted an online job that required me to add a set amount of money to my work account to influence ratings on apps. The amount kept increasing and I became skeptical of the validity of the job. By this time, I had already deposited {$30000.00} to this account through my Bank Of America account. I was borrowing money from a secondary personal account and business accounts to try and get this money back. When Bank Of America called and asked if I was in a fraud situation, I first said no. But after further consideration I felt it was better to tell them that I thought I may be caught in a fraudulent scam to see if they had any suggestions for getting my money back. They decided to place a hold on all of my funds and closed my account stating that they did not want my business any longer. I was told on XX/XX/year> that it would take up to a month to receive my money back that they had put a hold on because it was under their fraud review. The amount of money they are holding is {$8800.00}. I called and spoke with XXXX  in the dispute department on XX/XX/year>, and she took notes on the situation for my file. I asked for a simple answer as to when I would receive my funds back and did not get an answer, but was told to call back in a week, XX/XX/year>. I have called back twice, and they will not accept my calls. The only thing that I can get from them is that my money is being held in the " Hold Harmless Office ''. I should have had my money at the time that the account was closed or at least been given a definitive answer as to when the money would be repaid to me. At this point, I am considering legal action against Bank Of America for theft of my funds. Please advise if I have any path of recourse to recover the money that they have essentially stolen 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 monetary relief
Consumer complaint received 2024-10-02 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: NC

Complaint narrative:
Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/XXXX I received a text from chase that there was a transaction was going to b e done of {$1500.00} and {$500.00} from my account, I called immediately and ask them to close my account and not transfer because it was not me that doing any transaction, they suspended for a while but they released the money, when I call back to ask when I getting a new card and the money back, they told me to wait 8 to 10 working days, because there is an investigation on that case, when I did not anything in 2 weeks I called back they said to wait 2 more week for that investigation, every time when I called they said the called was recorded but they refused to give the name or Id for the person that I was talking to. on XX/XX/XXXX I got a letter from them saying that they did not see any fraud and because it was deducted from my account, they closed the case. Please I need to get my money back and get those persons who did this fraud, I have no idea who got the money and they refused to give me any findings about their investigation if they did any.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Nationstar Mortgage LLC d/b/a Mr. Cooper has just started foreclosure process against my mortgage debt as of XX/XX/XXXX. XXXX initiated foreclosure in XXXX. Since New York has the 6 year statute of limitation, is it legal for Mr. Cooper to start their actions after the expired statute of limitation. Also, in their complaint they state that I defaulted XXXX XXXX, XXXX. However, I haven't made any payments since XXXX 's action and also, my mortgage was transfered to Mr. Cooper XX/XX/XXXX... I called and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
XX/XX/XXXX, I was dis satisfied with rate change by XXXX XXXX because I've been a customer for over since XXXX, My bill increase and when I called to dispute the charges I was given 3 different solutions to my problems, bill adjustments should have been made and 3 different supervisors gave me different solutions and because the final supervisor said i was given the wrong answers, I decided to cancel service and told to return all the necessary equipment and that ended a long time customer. My. account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX. I have copies of the returned equipment receipt and the shipping confirmation from the XXXX store. The return reference number XXXX XX/XX/XXXX. One supervisor saw my previous contacts and told me that the supervisor that previously noted my calls, did not review the previous charges to my account and that i should not have been charged and i should be credited, I was offered a settlement to bring my account current by email notifications and when i called to confirmed i was told that the email was auto generated and i should not have been offered a settlement, The next supervisor said that the previous supervisor should not have given me the offer, thus why i cancelled after 25 years, I still have cell phone and internet service with XXXX

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

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX, Acct XXXX XXXX, XXXX. {$6000.00} XXXX, Acct XXXX XXXX, XXXX. {$0.00} XXXX XXXX XXXX, Acct Number XXXX, XXXX. {$3600.00} XXXX XXXX XXXXXXXX, Acct Number XXXX, XXXX. {$4800.00} XXXX XXXX XXXX, Acct Number XXXX, XXXX. {$2400.00}

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 non-monetary relief