vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The credit bureaus are reporting an alleged debt on my credit from the department of education. I have reached out to XXXX after disputing with the credit bureaus to ask them to remove it and they " verified '' it. However, they did not " verify '' it as XXXX contacted me via mail and they have removed the debt collection as it was unable to be verified as mine.

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 2022-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
Date received : XX/XX/XXXX Consumer 's state : AZ Product Vehicle loan or lease Sub-product : Loan Issue Managing the loan or lease Sub-issue : Billing problem Consumer Complaint Narrative I paid my normal monthly payment of { {$650.00} } on about XX/XX/XXXX but KIA Motors Finance has refused to credit my account to this day despite my many attempts by phone, email and first class mail. This has caused my credit to be bad. KIA sent me a confirmation letter verifying this payment through XXXX XXXX. KIA REPOSSESSED MY CAR WHILE I OWED ONE " LATE '' PAYMENT THAT SHOULD HAVE BEEN TAKEN CARE OF BY THIS $ $ 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 2022-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I pulled my consumer report and discovered an unfamiliar collection on my record National Credit Adjusters , LLC also known as NCA in the amount {$830.00}. 

I disputed this collection on all 3 consumer reporting agencies and they have not been able to validated the debt.. NCA has refusal to remove the collections this is causing harm to my credit. I do not have a signed contract with National Credit Adjusters , LLC also known as NCA. 

Please assist me with having this collector provide a sign contract with myself and NCA and they should also provide a payment history. If they can not produce both request, please have them delete this debt from all 3 consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax provided an incomplete background screening to a leasing agent on XX/XX/22 that stated my the criminal record for the search was pending. I reached out to request an updated report via the number on the incomplete one on XX/XX/22 and was told to call the consumer line. One of my concerns is that prior to this request I called twice on XX/XX/22 and twice on XX/XX/22 and was able to receive personal details about my file, such as criminal record and credit score, without providing any identifying information about myself or my relation to the file, just the file number. I was not asked who I was until I requested an updated report. I called the consumer line XX/XX/22 and was told they dont do background screenings through Equifax XXXX When I asked to speak to a supervisor I was placed on hold for 45 minutes and then hung up on. I would just like an completed copy of my report as the agent believes that pending means I have a pending criminal charge and has shared this with my agent causing me not to be able to get housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: CA

Complaint narrative:
I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX XXXX I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why XXXX XXXX XXXX is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have been going back in forth with PayPal Synchrony for almost XXXX years trying to make payments. Unfortunately I have had no success. XX/XX/XXXX I disputed my account because they were continually charging the account even though they stated they could not discuss the account XX/XX/XXXX I spoke with XXXX a rep with PayPal Synchrony and was told that my account was sold and I had to wait to be contacted. XX/XX/XXXX I was reported for additional late fees XX/XX/XXXX money was drafted from my bank account regarding this matter from XXXX XXXX XXXX XXXX XXXX in which I got that process stopped making a payment for {$500.00} at that time even though I made the payment PayPal reported another {$42.00} late payment in which I was disputed and it was removed. XXXX & XXXX told me that they did not contact me because PayPal attached an order for me to not be contacted. Even though I have been calling and sending certified letters to the creditors. Since I paid my account in full in XXXX PayPal did not update my balance which XXXX disputed in XX/XX/XXXX. Even though I have a letter stating that I have paid everything in full PayPal is still telling me I owe {$220.00} in which no one can explain why I still owe money with a paid in full letter. I writing this letter to get this account deleted off my profile. This was originally charged off XX/XX/XXXX and they have now changed the date to XX/XX/XXXX charge off.

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, 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:
To Whom It May Concern : YOU ARE BREAKING THE LAW According 15 U.S. Code 1605- Finance Charge ( a ) Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for these accounts, they were paid off at that moment. 

I demand the late payments on the account ( s ) listed below be removed from the immediately. 


XXXX XXXX XXXXdue to the timing of payments

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 2022-07-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions

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 2022-07-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft I did not authorize the inquiries listed below. I tried contacting Trans Union but they keep sending bogus letters back saying they are not removing and to contact the creditor. I contact the creditor and they tell me they can't talk to me because I didn't authorize them and to contact credit reporting companies. This is going back and forth when by law pursuant to section 605B of the Fair Credit Reporting Act Trans Union is required to remove them. That is why I am filing this complaint. 

The information listed below appears on my credit report, but I did not make or approve of these inquiries. This happened because of identity theft. Please BLOCK the information.

Thank You! 

Fraudulent Inquiries to be deleted XXXX XXXX XXXX Requested On : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX On : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Requested On : XXXX. XXXX, XXXX XXXX XXXX XXXX  - Requested On : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that 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 explanation
Consumer complaint received 2022-07-12 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: LA

Complaint narrative:
According to the Fair Credit Reporting Act XXXX Account # XXXX Collection agency : XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681 section 602A. states I have the right to privacy.

I also see that 15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. No written instruction were provided my 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 non-monetary relief
Consumer complaint received 2022-07-12 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.

Complaint narrative:
Company name : XXXX Account number : XXXX. 

XXXX used my credit report improperly. 

I opened an account with XXXX for a WiFi router  in XXXX. I have been paying this account perfectly until the contract expired in XXXX. I then lost the router. 

On the XXXX of XX/XX/XXXX. I called XXXX Cancelations department as I was no longer using the router and I had the right to cancel it because the contract had expired. I requested for a cancelation which was confirmed telephonically. The reference number of the phone call is : XXXX XXXX XXXX XXXX. So then I proceeded to stop the debit order on my side. A couple of months down the line I get phone calls from Debt collectors saying I owe XXXX. I called XXXX, I spoke to one agent who confirmed that there is a cancelation request which was placed in XXXX when the account was still up to date. And she confirmed that she also does not understand why the account was not canceled. She advised me to lodge a dispute which I did. But until this day the matter has not been resolved. Debt collectors are still calling me asking me to pay. When I call XXXX to follow up on the dispute, I get sent from pillar to post. No one is giving me answers. I have involved my lawyers in the matter and they're still working on it.

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 2022-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Hello, I contacted Firstmark Services to request a retraction of credit reporting for a loan payment I made past the due date because I moved due to an emergency and was unable to provide my updated phone number and address in advance. I have also tried to notify Firstmark that I was escaping a XXXX XXXXXXXX situation and the co-signer on my account was unfortunately XXXX XXXX Firstmark refused to allow me to change the co-signer and instead penalized me for being notifying them that I had enrolled in school in advance. I requested a retroactive in school deferment and a retraction of the negative credit reporting, which dropped my credit by over XXXX points. They have refused to provide the retraction and they have refused to allow me to change the co-signer. I am requesting a retraction since I have provided them with my enrollment verification form, which dates back to XXXX of 2022. I would really appreciate this retraction since I have consistently paid Firstmark for at least the past two years. If not, I will have my loan refinanced and assigned to a different lender. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I pulled my Consumer reports in preparation to buy a house and noticed a host of accounts that are inaccurate, incomplete and that are just not in compliance with the FCRA. Attached youll find a copy of that Consumer report with the inaccuracies circled. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: TN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, and account # 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 12 CFR Part 1006 Fair Debt Collection 1006.2 Definitions ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed.

The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I took out a payday loan in XXXX with AXCSSFN/CNGO which is the secondary collection agency that took over for the original lender and even though I filed bankruptcy in XXXX of XXXX, AXCSSFN/CNGO  put this payday loan account on my XXXX credit report as a current debt that is a charged off. The account with AXCSSFN/CNGO was never a charge off and should reflect included in Bankruptcy. I have disputed this information and they still keep saying that it is accurate. AXCSSFN/CNGO is a collection agency that bought the payday loan from the original lender and they are still trying to collect a debt that has been discharge. I have tried calling AXCSSFN/CNGO and they don't even have a number to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I have provided Transunion with the FTC report, approved police report, proof of identity theft alerts from XXXX and they have failed to properly investigate these matters and delete the information from my credit report which is adversely affecting my ability to obtain credit. Additionally, they have failed to disclose their method of verification per FCRA laws. As such, I am hereby demanding for the following offending unauthorized inquiries listed below to be immediately deleted from my credit report : XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-07-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I am trying to buy a foreclosed house from a Popular Bank ( Banco Popular de Puerto Rico ( XXXX XXXX XXXX but they are doing internal auctions, increasing the value of the properties and keeping the extra profits, often with cash sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX & XXXX has admitted that they do not have any loan information with my name, yet they refuse to delete it off my credit report. XXXX, XXXX and Trasnunion claims that the account is verified, accurate and validated, yet XXXX & XXXX can not find ANY LOAN INFORMATION in their system, So how is is verified, accurate and or validated by XXXX, XXXX and Transunion? Besides that, XXXX XXXX XXXX had since XX/XX/2022, since they were notified by CFPB and XXXX and they could not find anything. 
I am unsure as to how my likeness was received by XXXX XXXX XXXX, but being a victim of the XXXX and Transunions data breach I can only believe this error was due to their errors as to the why this account appears differently on all credit agencies profile. I am a victim of aggravated identity theft and these companies have access to my credit and caused actual financial injury and severely harmed my existing relationships with financial relationships, as well as hindered my opportunity with news ones ; as I've been denied by many. These CRAs have willfully neglected their responsibilities to consumers by violating the FCRA. 15 usc 1681 b as well as 15 usc 1681 c-2 and each of its CEO 's are culpable, as well.

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