vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: GA

Complaint narrative:
Per my settlement arrangement for the above stated account, negotiated on my behalf by XXXX XXXX XXXX on XX/XX/XXXX, the settlement amount ( {$4900.00} ) was paid in full on XX/XX/XXXX. I have enclosed the supporting documentation, to include the agreement letter, payment ledgers. 
I request that you immediately update my credit file with all three bureaus to indicate the account has been paid as agreed upon and indicate there is no past due balance. As of XX/XX/XXXX, you are erroneously reporting a past due amount of {$5300.00}, and have not reported the XXXX payments of {$410.00}. 

Attached payment ledger has payments sent to XXXX highlighted. 

I have filed multiple disputes with credit bureaus and provided documentation. No results from filing disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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:
The wrong information has been uploaded to my credit report and is causing me to have bad credit and many denials

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
I am in a joint account with my mother. Ford motor credit is the account holder. We purchased a vehicle that had a faulty engine. We replaced the engine in the amount of XXXX dollars and Ford motor credit differed XXXX  month payment in which I made on time and was paying way more than the minimum balance. After several weeks with a new engine vehicle started to over heat again and risked blowing the engine once again. We contacted for and no help was provided or given to assist us in this problem. The car kept giving us problems and could not trade for another vehicle due to the low value of the vehicle. We were stuck with a monthly payment and could n't drive it due to this same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
As of XX/XX/2023, the balance showing on my loan ( on their app ) was {$0.00}. I submitted a payment for {$1.00} several times but it was never processed. 

They call several times a day and when I finally spoke to them, they said they didn't accept the {$1.00} payment because my balance was actually $ XXXX. I can not find a statement that shows this amount online and they have not mailed one even though I requested one. 

I have made XXXX additional payments since then ( approx {$110.00} each ) but they continue to call several times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2023 I requested in writing proof of debt. My information was involved in the Equifax Data Breach. Claim # XXXX. XXXX XXXX XXXX did not send anything one letter stating was valid account. I have not received copies of anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Good Day, I am submitting this complaint to Midland Credit Management regarding a collection debt for XXXX  for {$3900.00} which is an estimate I received from my credit report. As previously I have disputed this debt with XXXX  as not mine and I am once again disputing this debt as Identity theft and I want these XXXX accounts that are listed on my credit report to be removed and closed as these accounts were opened without my consent. I have attached to this complaint a notarized FTC affidavit and police report. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: NJ

Complaint narrative:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 


Trans Union, XXXX, and XXXX have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: NJ

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX- Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 


XXXX XXXX, Experian, and XXXX have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I had a gym membership with XXXX XXXX in XXXX in XXXX XXXX, XXXX. I notified in person, in the gym, in XXXX of that year that I was moving to a location that did not have a XXXX XXXX and needed to cancel. I was told that the cancellation was taken care of but due to the billing cycle, I would be charged for XXXX. I said that was fine. 

In XXXX of XXXX, I noticed they were still charging my credit card. I called and told them I had canceled and they said it was an error and they would cancel the charges. In XXXX of XXXX, they charge a yearly membership fee to me. I called again and again it was database errors. I informed them that I would be disputing the charges with my credit card company as it was becoming fraudulent. They said it would be taken care of. 

Now in XXXX of XXXX, I have received a debt collection for {$290.00} for a membership I have not had for over 2 years and have not been to XXXX XXXX in that time. I am at wits end on how to get them to stop trying to bill me and lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: MO

Complaint narrative:
I got mail from TekCollect that I owe {$120.00} with an account number XXXX from XXXX XXXX XXXX as of XX/XX/2023. 
I have contacted the company XXXX XXXX XXXX XXXX ) and reported this. XXXX XXXX XXXX confirmed that I did not owe any amount and my insurance was claimed. This is regarding the reference number XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Hello, I purchased a 2020 Toyota Highlander XX/XX/XXXX. When I purchased it I knew the interest rate was going to be higher then what my excellent credit score reflected. 

I went online today XXXX XXXX to get the phone number to my lien holder Toyota Motor credit corp and discovered that according to your reporting agency, are being sued for illegal lending and credit reporting misconduct. 

This was dated XX/XX/XXXX. 

I put quite bit of money down to lower my payments. When told about the financing there was no explanation other than I had to have their lien holder for 6 months. Its after that 6 months I could refinance the loan with whomever I wanted. 

I wasn't happy to hear that and questioned it and was told that's how they do it. At first I thought he was a new salesman but went along with it. 

Come to find out that it sounds like in the background, they were found to pay millions in illegal lending and credit reporting misconduct. 

I have never been told and when I mentioned it to friends, that I had to go with their lender for 6 months and couldn't get a cheaper rate? 

They do not do a good job in explaining things and their paperwork is usually quite lenghty. 

Please let me know if I qualify to take part in this illegal lending practice. 

I will be calling to see if I can in fact refinance my loan sooner rather than later. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/2023 {>= $1,000,000} XXXX XXXX  was wired by XXXX Bank to BANAMEX Bank that lacked critical information needed to direct it to my account at XXXX XXXX XXXX  in the United States. Since XX/XX/2023 BANAMEX Bank has held the funds and have not responded to request from the sending Bank XXXX XXXX  to return the funds in order to have Account Numbers and Address added to the wire and retransmitted to my account. BANAMEX has failed to respond to repeated attempts to return funds held by BANAMEX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: TX

Complaint narrative:
My mother added me and my spouse to a credit card as authorized users about XXXX years ago to boost our scores, it was appreciated and helpful until my dad died. She has in these past XXXX years gotten XXXX, XXXX  XXXX, ect and ceased paying her cards among a variety of other things. The card has been closed for more than XXXX years at this point in time. I've disputed this with Equifax multiple times with no results other than them saying that it's my debt. XXXX, removed it after XXXX disputes. XXXX removed it without me ever having to ask them. Equifax refuses to remove this from my credit report. I've disputed this XXXX or XXXX times now. XXXX bank is not able to even be contacted because you have to have a account with them to get past the robot answering machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: IL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please review the attached documents. I request the bureau to initiate an investigation into these accounts, as they incorrectly report me as late even though I have never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: GA

Complaint narrative:
I am writing to complain to TRANSUNION about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX and my name is XXXX XXXX XXXX. My birthdate is XX/XX/. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the fraudulent account as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular item you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
In 2020 I fell into financial ruin due to losing my job on more than one occasion. I also had to move out of my parent 's house during the COVID lockdowns due to a very toxic and unhealthy living situation and a XXXX  XXXX issue. When I moved out of my parent 's house, my bills more than tripled and I was unable to afford to pay all of my bills which led me to only pay the essential bills first. I collected unemployment and got government assistance for food, energy, and Wi-Fi.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
I am having a issue with my vehicle loan servicer First Investors Servicing Corp. 
I had a 72 month loan which was paid in XX/XX/2023. During this loan period I skipped XXXX payments and had them put to the back of the loan. When my loan was due to be paid in XXXX. There was still a balance due the maturity date changed, I then saw I was scheduled to pay XXXX payments and not the original XXXX. I have as of today paid XXXX payments which is a extra over the XXXX. 
Theres no way by putting XXXX payments to the back of my loan I magically owe XXXX payments. That would mean for every payment I put to the back I now owed XXXX payments. 
This would be abusive financial conduct and predatory lending practices. I have contacted the company and asked to speak to their legal department to rectify this I havent heard anything in about 3 weeks. 
I would like this resolved fairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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