vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2024 Experian XXXX XXXX XXXX, XXXX, TX XXXX, Subject : Dispute of Inaccurate Information on My Credit Report I am writing to dispute inaccurate information that is being reported on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically Title 15 U.S.C. 1681-1681x. Upon reviewing my credit file, I have identified discrepancies that do not reflect my true financial history. I request a thorough investigation into this matter and the prompt correction of any errors present on my credit report, as required by federal law.

Details of the Inaccurate Information : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX ] Inaccuracy : [ Describe the specific inaccuracy, such as incorrect balance, late payment, account not belonging to you, etc. ] I want to emphasize that the inaccurate information reported on my credit report is in direct violation of the FCRA, which mandates that consumer reporting agencies maintain accurate and complete credit reports. According to Title 15 U.S.C. 1681s-2, credit reporting agencies are required to investigate disputed information and correct any inaccuracies promptly.

In accordance with federal law, I kindly request the following actions : Conduct a comprehensive investigation into the accuracy of the disputed information.

Verify the legitimacy of the reported information and provide documented proof of its accuracy.

If the information is found to be inaccurate, promptly correct the information on my credit report as mandated by the FCRA.

I expect this matter to be handled with the utmost urgency and compliance with federal law.

Please provide me with written confirmation of the results of your investigation and any actions taken to rectify the inaccuracies on my credit report. You may reach me at [ XXXX XXXX XXXX ] or via email at [ XXXX XXXX XXXX ] if you require any further information or documentation regarding this matter.

Thank you for your prompt attention to this dispute, and I anticipate a swift resolution in compliance with federal law.

Sincerely, [ XXXX XXXX ] [ XXXX XXXX  if sending via mail ] Enclosures : [ List any documents or supporting evidence you may have related to the inaccurate information, if applicable ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX Account XXXX XXXX XXXX account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which is to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this is statue of Limitation XXXX XXXX Constantly call my home all day about this account Account was on credit report to be remove XXXXcredit bureau changed the removal date XXXXtimes..Please delete account from my credit 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 2024-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I recently moved to California with my XXXX vehicle. Talked to the local DMV who said that I needed my car 's title to register it in California. I paid off my Hyundai Motor Finance loan in full on XX/XX/XXXX and waited the XXXX business days stated on their website for the title to be released. Their website has been listing my title as being requested and that I should wait up to XXXX business days for the past XXXX months. Need this title ASAP as my prior out of state registration is expired. Every time I call they just tell me the title has been requested and to wait XXXX business days. Really frustrated as I need to register my car in CA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I leased my XXXX XXXX XXXX in XX/XX/year>. I then did a buyout of the car online via hmfusa.com for the remainder of what was owed on the car. In XX/XX/year>, I filled out and sent all the necessary paperwork to proceed with the buyout/title transfer.

HMF has not given me the title for my car. I have called over XXXX times now over the span of XXXX months for an answer to this issue. They wont give me an ETA of when they will send the title of the car to me. The car has been paid off for over XXXX months now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: CA

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.

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 2024-02-18 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: CA

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.

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 2024-02-18 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: MI

Complaint narrative:
I was recently made aware that I was affected by the Equifax data breach, and upon checking my credit reports I noticed inquiries that do not belong to me 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was denied credit with XXXX XXXX on XX/XX/2024, because of information provided by Equifax. They are reporting that my credit file contains serious delinquency which lead to XXXX turning me down for a home improvement loan. When accessing my credit report on Equifaxs MyEquifax website, the credit summary lists XXXX negative items. When you try to submit an online dispute of that account, no missed payments, minimum payment not met, or negative information shows up in any of the monthly transactions on any current or closed account. Therefore, you are not allowed to dispute any alleged negative information on any account even though Equifax claims that there is negative information but they give you no due process to dispute this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/2024, I received a notification from XXXX stating a new collection account was submitted for {$460.00}. Upon checking, it was a debit from Jefferson Capital Systems LLC, representing XXXX. I contacted the collection company for documents, but they couldn't locate my account, insisting on my full social security number. After providing it, they still couldn't find my account. XXXX confirmed no outstanding balance, and their manager mentioned several complaints about Jefferson Capital Systems LLC using tactics to obtain sensitive information. I urge an audit of Jefferson Capital Systems LLC for its deceptive practices with US consumers. 

Also, How does XXXX accept a report without any proof? These acts destroy the US consumer. I've been building my credit for over XXXX years and I know I have to start again. This is too much for me. I can't keep accepting this to happen to me. I spent money to build my credit and with that easy ruined again and no one telling me for what?? This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: NY

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.

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 2024-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CarMax, Inc.
State: GA

Complaint narrative:
Carmax Account # XXXX The carmax account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: TX

Complaint narrative:
Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion reactivated a settled account that had been settled XX/XX/XXXX by a Third Party ( XXXXXXXX XXXX XXXX XXXX ) originally XXXX  XXXX. Originally, I was told by Transunion through a phone call inquiry, this suddenly affected my last updated credit score because an amount of {$710.00} was newly reported as well as missing payments that had already penalized report two years prior. After investigating this through all companies involved it has shown as settled and resolved on my credit report since XXXX. The {$710.00} is in dispute as it was paid in full, however I do not have proof of payment due to the time that has passed and believing it was all in good standing. However, I have since found out XXXX XXXX did not change or report anything regarding this account nor did the third party collector. Transunion plunged credit score by 90 points with no change in status of this account or any other accounts listed on said report. 
All current accounts in good standing, zero poor remarks, zero late payments and zero hard inquiries. The closed accounts have not changed status in 2 years and Transunion unlawfully utilized a settled and resolved closed account to lower score significantly without any cause. 
Through this act, it brought attention to the fact that account was not at zero, regardless of result of dispute, this should not have affected current score as it has been listed as same on closed accounts for two years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: Bull City Financial Solutions, Inc
State: NY

Complaint narrative:
i recieved an unknown collections to my credit report with no knowledge or communication there was an open debt from this company. The original creditor is also a company i have never used or heard of. 

The company is BULL CITY FINANCIAL SOLU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX Account # XXXX The XXXX account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX Account # XXXX The XXXX account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this also falsely manipulates the statute of Limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: Farrell Holdings, LLC
State: OH

Complaint narrative:
DEAR PAC AUTO FINANCES open date XX/XX/XXXX balance XXXX charge off date XX/XX/XXXX Letter : Per the FCRA as a federally protected consumer, I am opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and Un verbal per 15 USC 6802.

This account is charged off Per 15 USC 1681. A charge off is considered a certificate of indebtments. A certificate of indebtment is an income and a income can not be reported on to my credit report and must be removed Its also illegal to report transaction history per 16 CFR 313.7-433.2 -433.3 remove all inquiries 15USC 1681.Permissible purpose. Per Privacy Act Of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: MI

Complaint narrative:
I was recently made aware that I was affected by the XXXX XXXX breach, and upon checking my credit reports I noticed inquiries that do not belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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:
I was recently made aware that I was affected by the XXXX XXXX breach, and upon checking my credit reports I noticed inquiries that do not belong to me XXXXXXXX XXXX XXXXXX/XX/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 2024-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
My lease with GM was due to end in XX/XX/XXXX. I needed to turn it in early and was willing to pay the additional months that were still left on the term. I turned in the lease in XXXX. On XX/XX/XXXX, I called GM Financial to confirm that the account was closed. Upon confirming this, I was also told by the representative that I would be receiving a refund, which was unexpected. About XXXX months later, in XXXX, I received a bill for {$900.00}, with no explanation of what the fee was for. Since then I have called GM Financial and have requested a detailed invoice be sent to me. I have been told everything from " we can't email you one because your account is closed '' to " we will send that right out ''. I finally received a letter from this week and alas, it has no information about what I am being charged for. I am not being unreasonable in asking for an explanation of what I am paying for. At this point, they have now reported my payment as late which has dinged my credit, which is the reason I am making the complaint. I have tried to resolve this many times with the company and they are unwilling to work with me. I even tried to file a digital request today via their complaint system and it would not let me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Consumer Portfolio Account XXXX Consumer Porfolio account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which is to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this is statue of Limitation Consumer Portfolio Constantly call my home all day about this account Account was on credit report to be remove XXXX.credit bureau changed the removal date 2times..Please delete account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This Company is XXXX  XXXX  with good credit and no line no judgement no Ucu filing and pay on pr2optly time never late never miss any payment out of XXXX  XXXX  company with XXXX XXXX XXXX XXXXXXXX company profile stated that company 100 % in time payment XXXX XXXX Alway pay his company bill with a XXXX income per year purchase with over XXXX company is 100 % capital one denial the spark that all professional business has but XXXX XXXX XXXX the XXXX XXXX XXXX  ID # credit # XXXX this company has over credit account and is still grown

Company response to consumer: Closed with explanation