vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a prequalified-offer to refinance my auto loan with upstart company, I submitted an application and was requested personal informacin such as driver license social etc, 2 days after I received an email in where they said my application is as approved that additional documentation was required. Co- owner concent, insure ce to show me on it and d deductables under {$1500.00} the co-owner did not received email to sign consent when we called to check on it customer service rep XXXX advised us there was tech difficulties on their end that prevented them to send said email and I advised that application was time sensitive, she reply since it was their fault they would they will adjust, on XX/XX/XXXX I called to inquired on status they resend form, co-owner signed it we also submitted proof of insurance with name on it they advice over the phone everything was good to go and to go ahead and wait for the check to be mailed to the current lean holder on my loan, and he hung up the phone 2 hours later I received an email saying application was denied, I called again and they said that since the deducible wasnt showing on the page they had cancel everything, I spoke to supervisor XXXX on the auto refinance operations team who did not provide me with any explanation was very rude, and just said there was nothing to do denied me to speak to some one else in the leadership team, I spent hundreds of Dollars getting the insurance they way the company needed it I drove 400 miles to get the co-owner paper work signed to be mislead by this company and to be turned away with out reason or attempt to fix issues. I need the above company to fix my application status and reimburse me for the money spent during this application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
XX/XX/2021 I request a payoff for a XXXX XXXXXXXX for XXXX XXXX XXXX XXXX 
They gave me a list with PAY OFF STATE TAXES BATTERY FEE FL DOC STAMPS LICENSE TIRE FEE PREDELIVERY SERVICE CHARGE ELECTRONIC FILE TAG AGENCY In the end I have to pay just payoff, state taxes and doc stamps Now I am trying to payoff my XXXX with XXXX XXXX and they said that is mandatory to pay all these fees, not only payoff and state taxes PAY OFF {$24000.00} STATE TAXES {$1600.00} BATTERY FEE 0 FL DOC STAMPS 0 LICENSE {$250.00} TIRE FEE {$0.00} PREDELIVERY SERVICE CHARGE {$790.00} ELECTRONIC FILE {$230.00} TAG AGENCY {$57.00} TAG AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2021 I went to XXXX to request my 3 online credits reports. The only one that didn't give me access was Experian. However, I'm able to go to there website and pay to get my report online.

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 2021-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Continuation of existing complaint. On XX/XX/2021, Penfed made, unauthorized, improper and fraudulent change to my auto insurance and placed themselves on my auto policy as financer of the auto with improper loss payable information.

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Contacted Equifax on numerous ocassions regarding hard inquiries that were unauthorized. Both times, I was told i had to file a police report in order to get inquiries removed. Spoke to Officer XXXXXXXX XXXX XXXX XXXX can not file a police report for inquiries unless a fraudulent account was opened. 

It is unfair to the consumer to be given fraudulent information by a credit reporting agency. It seems deceptive and puts the consumer at a disadvantage. Credit reporting agencies should not make it so hard to dispute inquiries. 

I have also asked for proof to validate the inquiry and Equifax refuses to provide. I'm sure this is happening to hundreds if not thousands of Americans but because nothing is done, they stop reporting this grievance. This information has damaged my credit report and ability to received other credit products.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$330.00}

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
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XX/XX/2021 I sent notice to remove the alleged bankruptcy. I also attached the proof that XXXX removed the item since they furnished it. In XXXX I also sent notice that the bankruptcy sent stating that they do not give information to TransUnion. Im demanding an audit trail and the original instrument 15 U.S. Code 1692g ( IM DEMANDING VALIDATION & FULL AUDIT TRAIL ) attached is also my FTC report for this items. 
15 U.S. Code 1692g - Validation of debts U. S BANKRUPTCY ( alleged filing and a copy of the court docket ) 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : ITEMS MUST BE DELETED DURING NOTICE OF THE DISPUTE FROM THE CONSUMER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed these items on my credit report multiple times I have not heard anything from XXXX of the main credit bureaus XXXX Experian and XXXX I have not received any notification or any verifiable information for these accounts on my report this is truly hurting me because I am trying invest in my business and my credit report is hurting 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 explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I received multiple balance transfer checks over the past months from Barclays Bank relating to my XXXX credit card ending XXXX. I used the check for XXXX, which was within the authorized amount on XX/XX/2021 to pay my XXXX account ending XXXX the check was returned resulting in me incurring a returned check fee of {$39.00}. A few days later another new set of transfer checks from Barclays. I called Barclays on XX/XX/2021 and spoke to a female Rep XXXX XXXX who reviewed my account. She then assured me I could use the checks without any issues of it being returned again. I trusted the information and tried to pay the XXXX again to pay my card using their check for $ XXXX on XX/XX/2021. Again, the check was returned, even after the assurances of the Barclays Rep. As a result there was another {$39.00} fee and an interest charge of {$120.00}. I have asked Barclays to reimburse me for these charges totaling {$200.00}. Followup conversations with XXXX, who transferred me to XXXX XXXX XX/XX/2021 who could not help me. Other Reps spoken to XXXX on XX/XX/2021, then with XXXX XXXX  Customer Care, who transferred me to XXXX a Supervisor/Manager on XX/XX/2021. Still no help. Even now Barclays is sending me new transfer checks monthly, but they are dupping consumers.

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$330.00}

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
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the XXXX MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Experian Credit bureau has failed to respond about the removal of the erroneous information about my inquiries. Sending them letters dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiries are continuously reported on my Credit Report. Therefore, Experian failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was taken advantage of by the companies listed due to malpractice where several laws have been broken under the Fair Credit Reporting Act. These negative marks on my credit have caused me financial injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company for the amount of {$1400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc.
State: MD

Complaint narrative:
I ( XXXX XXXX XXXX recently obtained a copy of my credit report. Access Receivables Management continues to violate my rights according to Fair Debt Collection Practice Act ( FDCPA ). Also this company is in violations according to 15 USC 1692. This company have violated 15 USC 1692b ( 2 ), 15 USC 1692b, 15 USC 1692c. 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692d, 15 USC 1692e. This company have violated my rights as a consumer and misuse my name. Hurt my reputation and my life. I have attached my LICENSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: NC

Complaint narrative:
i have a reverse mtg. that was turned over to Novad consulting in XX/XX/2021. I still have money in an escrow account that I drew on each year to pay taxes, I can not access my funds. I have tried emails but they are rejected. i have tried 9 different phone # but they all go to the same recorded messages. my taxes arew due now and i can not pay. please help me. the novad address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nc ph. XXXX e-mail XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
American Honda Finance Corporation d/b/a Honda Financial Services has furnished/reported several late payment derogatory marks on several of my consumer reports since being in receipt of my Cease and Desist. Not only is this an individual act against 15 USC 1692c ( b ) and 15 USC 1692c ( c ), it is also an individual act against 15 USC 1681a ( 2 ) ( A ) ( i ). Late payments are to be excluded from a consumers consumer report because they are information solely as to transactions or experiences between the consumer ( natural person ) and the person ( corporation ) making the report. This is also an individual Act against 15 USC 1692d ( 1 ) as it is a threat and harm to my reputation ( 15 USC 1681 ( 2 ) states that a consumers consumer report is the consumer 's reputation ). American Honda Finance Corporation d/b/a Honda Financial Services is civilly liable for these individual acts against Title 15 of the United States Code pursuant to 15 USC 1692k and 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I sent a letter to Experian asking how they verified the bankruptcy on my report no response. On XX/XX/2021 got a letter from Experian saying they would not reinvestigate unless I sent in additional relevant information. On XX/XX/2021 I sent a letter saying if you verified it with XXXX I dont see how because I attached a letter from XXXX XXXX XX/XX/2021 showing bankruptcy XXXX was removed from my report. On XX/XX/2021 I sent another letter requesting Experian to remove the bankruptcy with the attached letter from XXXX. This bankruptcy has been disputed XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. Experian keeps coming back saying it was verified with XXXX every time it has been disputed. I have got it removed from XXXX and working on XXXX. Experian now wants a full copy of the report showing that its not on my XXXX report which is at least XXXX pages long. I was told by XXXX that once it is removed they have no way of showing it on there then be removed.

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Equifax Credit bureau has failed to respond about the removal of the erroneous information about my inquiries. Sending them letters dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiries are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned XXXX that is still reporting on my reports : XXXX -Date of inquiry XX/XX/XXXX XXXXE-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will 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 2021-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I reported to Chase Bank that I was defrauded by an organization for an amount of moneynand asked them to stop or reverse charges. They inssist that they are unable to. I believe that my account included fraud protection in the language of our agreement.

Company response to consumer: Closed with explanation