vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
XXXX XXXX i called XXXX XXXX XXXX  .This is when my car broke down other one. I was lied about cost of repairs .Picked car up my XXXX took it to my storage, Until my garage man came back from vacation. XXXX XXXX XXXX said it was timeing belt. Tried to tell me head needed fixed, Then said it may need a new motor. Looked on line .I knew it wasnt that. Garage charged me to look at it .I got it towed to my storage unit. Until my garage got back Then towed it to his garage, In mean time i had no car, Was not sure on cost etc. I was settling on my home. Needed a car to move etc. I called XXXX XXXX up .They told me about this XXXX XXXX XXXX. They even picked me up. I thought my interest was going to be 15 percent instead was higher, Then when i finally got other car back .Found out it was a fuel pump. I got it towed home. Thought it wasnt running.Was told this XXXX tow charge. XXXX  would not tow again.It would of been my XXXX tow, They said i could only call in 4 times. One time i got locked out of my car. They said that counts. I have always paid for XXXXXXXX XXXX Does not state you only are allowed 4 calls. Any ways tow man said why did you get it towed, I told him it doesnt run. He said it did and showed me. When we lifted hold. Parts were off bolts etc. I called first garage he said he didnt do it .My guy said he didnt do it. Any ways my son fixed one part. When i found out it ran .I took it back to my garage insp/ emission/ oil change pipe repair also he put on lost bolts. I could not afford car payment insurance on 2 cars. Kept insurance on old car until i just sold it. Any ways i called members first my bank to refinance. Was turned down. I sai d why yjey told me .My car is worth XXXX my miles are now XXXX something sold to me XXXX  ask them why they wont refinance, They said my car is not worth that amount. Theloan is XXXX .They got vaule from XXXX first got this vaule .I went into shock. I did get a XXXX warrenty. I calledXXXX XXXX. They gave me run down.I ask them if that vaule wasnt on that car, How did i get the loan .Was told they help people out. Their credit etc .I pay my bills worked hard to built credit was shocked for the loan rate i did get. But my hands were tied .I needed something to drive. I dont understand how i got that loan .If that car wasnt vauled at that. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I bought my car XX/XX/2022 and have had problems with Toyota since. They lied plenty of times about the things the fixed on my car which led my car shut off on the freeway with me and my child in it .I have contacted toyota financial plenty of times to try to get a new vehicle and they told me it was nothing the could do about the car or loan. They have been adding extra fees to my account, sold me the car at a higher value its worth and forced me to pay XXXX $ a month on a car they refused to fix. My car has been repossessed and they are trying to charge me over XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: PA

Complaint narrative:
Trans Union, XXXX, XXXX are in violation of consumer law codes ( 15 USC 1666B ) & ( 15 USC 1681a ) I did not authorize nor gave my consent for these late payments below to be reported to my credit report This information is incorrect and is against the consumer law. Nor was I notified regarding these late payments no notifications have been sent regarding these late payments I demand that these late payments be removed immediately. Also, I demand that Trans Union, XXXX and XXXX show proof that I gave my consent for these late payments below to be reported to my credit report. 

XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX  XXXX account # XXXXXXXX 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 explanation
Consumer complaint received 2023-12-05 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have unauthorized inquires on my XXXX report. 


COMENITYCAPITAL/SEPH XX/XX/XXXX XXXX XXXX XXXX, XXXX Both inquires are not mine. Remove them immediately or Ill have to contact my lawyer. XXXX was called they refused to provide proof after I requested removal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: NC

Complaint narrative:
The information reported on my consumer report is not accurate, complete, true and accurate. Reporting such information is misleading and a direct violation under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, XXXX and Transunion are violating 15 USC 1666b. These companies are reporting inaccurate late payments on my consumer 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 non-monetary relief
Consumer complaint received 2023-12-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, Equifax and XXXX are violating 15 USC 1666b. These companies are reporting inaccurate late payments on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, Experian, XXXX and XXXX are violating 15 USC 1666b. These companies are reporting inaccurate late payments on my consumer 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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX XXXX XXXX filed a complaint through the cfpb Complaint # XXXX Also I filed a complaint on XX/XX/XXXX complaint # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX this account maybe part of identity theft which it is and XXXX XXXX has failed to provide proof of debt that they are reporting to the credit Bureaus Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666. For this account XXXX XXXX is violating my rights as a consumer under XXXX XXXX XXXX XXXX  False and misleading representations. I never opened this account. This a fraudulent account that's damaging my credit worthiness. I've filed a identity theft report because this isn't my account. 

ATTACHMENTS

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 2023-12-05 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: TX

Complaint narrative:
I like to file a dispute for fraudulent items liste on my credit report. I did not give permission for anyone to use my identity and I never signed up for these two items. The items are as follows XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  Also filing a dispute for inquiries that i never gave for permissible purposes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have filed an Identity Theft Report with the FTC. The report number IS XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

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 2023-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am writing to report an issue with my mortgage loan, initially taken out with XXXXXXXX XXXX XXXX  The agreed-upon payment was {$1700.00}. However, after the loan was transferred to two other companies, now serviced by XXXX, my monthly payment has escalated to {$2300.00}. This increase was first attributed to insurance, which I was not informed about, and now to taxes, despite my payments into an escrow account. I have attempted to resolve this with XXXX, including notifying them of a year-long absence due to XXXXXXXX XXXX XXXX orders, but have received no response. Additionally, I was never notified of any impending changes to my payment. The lack of response and transparency is concerning, and I seek your guidance on how to address this issue.

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 2023-12-05 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: GA

Complaint narrative:
In accordance with 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: GA

Complaint narrative:
In accordance with 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 information 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 explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue.

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 2023-12-05 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: NJ

Complaint narrative:
Credit Bureau reported a XXXX XXXX XXXX XXXX XXXX off Account on my credit report, as it appears to be in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). 

Per the GLBA, NPI includes any information provided by an individual to obtain a financial product or service, such as name, address, income, Social Security number, or other application-related details. Financial institutions are required to provide an initial notice to customers at the establishment of the relationship and an annual notice thereafter. 

It has come to my attention that the charge-off on my credit report is inconsistent with the GLBA 's requirements, as I have not received the necessary notices and information regarding the handling of my NPI. Specifically, I have not been provided with an initial notice at the establishment of the customer relationship or an annual notice thereafter, as mandated by the GLBA Moreover, if my NPI has been shared with nonaffiliated third parties, I have not been given the requisite opt-out notice, a reasonable way to opt out, and a reasonable amount of time to exercise my right to opt out before any disclosure. This lack of compliance raises serious concerns about the handling of my financial information. 

I kindly request a thorough investigation into this matter, and I expect the immediate removal of the charge-off from my credit report if it is found to be in violation of the GLBA. Failure to do so may result in penalties outlined in the GLBA, including fines and potential legal action. 

I anticipate your prompt attention to this matter and a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Listing my birthdate as XXXX when I tried to sign up for app and denied me to sign up when I changed it to the XXXX XXXX XXXX Annoying as I don't know how they came up with the 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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with 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 XXXX  # XXXX Capital One  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a consumer report without my written instructions 15 U.S.C 1681c ( A ) ( 5 ) 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 1681 s-2 ( A ) 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 information is inaccurate.

15 U.S.C 1681i 5 ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: CA

Complaint narrative:
Midland Credit Management is attempting to collect a debt that never belonged to me. 
The debt is a result of Identity theft. I am a victim of Identity theft. This debt has never belonged to me. XXXX is demanding that I pay XXXX for a fraudulent debt that occurred as a result of my personal information being stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: TX

Complaint narrative:
In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 information 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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX failure to report high-credit when CRAs query charged-off account cause XXXX scoring models to report amount in high credit as original charge-off amount. This can be seen from Equifax data through XXXX  as the second remark for the account. This is patently false. The high-credit was {$15000.00}. The amount alleged charged-off was {$3400.00}. As it stands, the account was wrongfully charged-off by XXXX in XX/XX/2021 due to their willingness to use unfair, unlawful, abusive acts or practices. This account SHOULD NOT REPORT any payment history after XX/XX/2021 and should report No Data for months XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2023 claim amount {$2700.00} claim # XXXX of unauthorized debit card transaction claim denied by Bank of America. XX/XX/2023 claim amount {$1300.00} claim # XXXX of unauthorized debit card transaction claim denied by Bank of America. I have contacted Bank of America numerous times regarding the unauthorized debit card transactions listed above but the bank has denied my claims and refused to provide documents of support. Im the victim of the ( theft ) unauthorized debit card electronic funds transfers.

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 2023-12-05 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: GA

Complaint narrative:
In accordance with 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. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 information is inaccurate.

Company response to consumer: Closed with explanation