vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
Bought this vehicle from a buy here pay here within the XXXX  year the financing company had switched XXXX  times! I kept having trouble getting insurance on the vehicle I finally found out that the title is branded and no one will cover it! I spoke to the finance company US Auto Credit and the supervisor advised me to put just liability on the vehicle which I responded no thats against the law! We have reached out to them to give me a refund since I can not drive the vehicle and no one from the company is wanting to comply!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Property Receivables, Corp
State: FL

Complaint narrative:
Unfortunately, these companies called XXXX have not been pleasant to me at all. When I moved from XXXX XXXX, the people at the office told me that I owed {$0.00} dollars and that I did not owe any money. After a month and a half, this company called me saying that I owed {$550.00}. I called and they sent me a statement with someone else 's information, another apartment which was not mine and with another amount. The calls continued saying that I had to pay the money but until I received a statement with my name on it I was not going to pay something that was not XXXX XXXX certain. I contacted them on XX/XX/year> to ask for the statement again and they did not send me the statement or even have the information that I lived with another person under that contract, they continued to harass me that I had to pay that amount of money. In the end, they never sent me the statement that I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

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 2025-01-03 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: CA

Complaint narrative:
Subject : Dispute of Charged-Off Account Under FCRA 15 U.S.C. 1681s-2 I am writing to formally dispute the reporting of the charged-off account associated with XXXX XXXX XXXX  on my credit report. I have reviewed my credit file and believe that the information being reported is inaccurate, incomplete, or unverifiable. This letter serves as a request for the immediate investigation and correction or removal of this item pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which mandates the responsibilities of furnishers of information to consumer reporting agencies. 

Account Information : Creditor Name : XXXX XXXX XXXX Reporting Agencies : Experian, XXXX and XXXX As outlined under FCRA 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information to consumer reporting agencies and promptly correct any information they determine to be inaccurate. Additionally, FCRA 15 U.S.C. 1681i ( a ) grants me the right to dispute inaccurate information and mandates that the credit reporting agencies conduct a thorough investigation of my dispute. 

Given the above, I am requesting that XXXX XXXX XXXX  provide the following : Documentation verifying the accuracy and validity of the reported information. 

Evidence that the account was reported in full compliance with all relevant laws, including the proper validation of debt as required under the FCRA and other applicable consumer protection statutes. 

Documentation of any and all communications regarding this account. 

If you are unable to provide the requested documentation, I demand the immediate and permanent deletion of this account from my credit file, as its continued reporting would constitute a violation of my rights under the FCRA. 

Please note that under the FCRA, failure to comply with the above requirements may subject you to liability for damages, including statutory damages, attorneys ' fees, and other legal remedies available to me. Should this matter require legal action, I am fully prepared to exercise my rights. 

I request that you complete your investigation within the XXXX period provided under the FCRA. Upon resolution, please provide written confirmation of the actions taken regarding this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX XXXX ( XXXX ) XXXX XX/XX/year> ChexSystems , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Dispute of Reported XXXX Account and Related Inquiries Dear XXXX, I am writing to formally dispute the information regarding a closed XXXX account that is currently being reported on my ChexSystems report XXXX This account has an outstanding balance of {$42.00}, and its inclusion on my report is preventing me from being able to open any new bank accounts. 

The charges reported on this account were the result of fraudulent activity that occurred while I was hospitalized following a serious medical incident. I was in the hospital for over XXXX  days, and during that time, unauthorized transactions were made on this account without my knowledge or consent. 

I request that you conduct a thorough investigation into this matter and remove the reported XXXX account from my ChexSystems report, as it is causing significant hardship and hindering my ability to access necessary banking services. Additionally, I request that you review and delete any related inquiries associated with this account that may also be impacting my ability to open a new account. 

Please investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute inaccurate information on my consumer report. If this XXXX account is verified as inaccurate or outdated, I respectfully request that it be removed from my report. 

For your reference, the account in question is identified as follows : Account Name : XXXX Account Number : XXXX Balance : {$42.00} ( Outstanding ) Date Closed:XXXX I also request that you consider the nature of these fraudulent charges and the circumstances of my extended hospitalization. If the account is found to be the result of fraud, I ask that it be treated as such and removed from my report entirely. Please let me know if you require any additional documentation, such as hospital records or fraud reports, to substantiate my claim. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation that the inaccurate information has been corrected. Please notify me in writing of the results of your investigation. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-01-03 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: MO

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002. 142 ( b ) ( 4 ) -5-1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts be blocked and deleted company information Transunion. Please delete the following accounts : 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

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 2025-01-03 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I rented a car in XXXX, XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an XXXX rental period. On XX/XX/XXXX, after return of the rental car, full payment was made of XXXX {$320.00} on my Barclays Credit Card. However, on XX/XX/XXXX, an additional unauthorized charge of XXXX {$1100.00} was made by XXXX XXXX to the same credit card for alleged violations of the contractual terms. I opened a dispute case after this charge was posted ( Barclays Case # : XXXX ). After both sides presented their accompany documentation and facts and after conducting their investigation, Barclays stated in their final letter to me, After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity ( see attached Barclays letter dated XX/XX/XXXX ). A recredit was subsequently posted to my account. I thought the matter was closed, however, on XX/XX/XXXX, two new charges were posted on my Barclays credit card account in the sum of XXXX {$1100.00} each by the merchant ( was past the 60 day time limit to resolve matter ). I notified Barclays of the issue and have been calling their customer service to resolve this matter. Each time the information changes but I was informed by Barclays XXXX XXXX the matter would be resolved. On XX/XX/XXXX, I talked to XXXX ( Barclays XXXX ID : XXXX ) in their XXXX XXXX. He informed me that both XXXX charges for XXXX {$1100.00} will be re-credited within XXXX business days. However, on XX/XX/XXXX, when I called to check on re-credit, I didnt get clear resolution. I would like to exercise all my available consumer rights to resolve this matter expeditiously and in finality under applicable protection laws. Barclays has not promptly credited the amounts owed on my account ( charges have been charged and then re-credited multiple times ) and is in violation of consumer financial protection laws. You can reach Barclays XXXXXXXX XXXX at XXXX XXXX XXXX. Thank you for your assistance in resolving 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 explanation
Consumer complaint received 2025-01-03 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: MI

Complaint narrative:
Hello, good day. I kindly ask that you treat this matter with the seriousness it deserves, as it has caused me significant stress and anxiety. I am a victim of identity theft, and my personal information was used fraudulently. As a result, there is an item on my credit report that I have no connection to and was never associated with. Following the guidance provided by Experian, I promptly filed a report with the FTC and submitted it to address this issue. Despite my efforts, this fraudulent item still remains on my 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 2025-01-03 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: FL

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2025-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I am writing to express my concern regarding the significant increase in my monthly mortgage payment. After reviewing my account, I noticed that this increase is due to a change in the property tax amount from {$2400.00} to {$6000.00}. 

At the time of purchase, I was not informed that the previous owner had a homestead exemption, nor was I aware of the potential tax increase once the exemption was removed. my mortgage changed a lot and I cant afford this its the information I have Your loan information : Loan Amount : {$200000.00} Final Interest Rate : XXXX XXXX Cash due at/from closing : {$160000.00} Proposed Total Monthly Payment ( including escrows ) : {$2100.00} First Payment Date on New Loan : XX/XX/year> Final vesting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation