vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 2288984 Ontario Inc.
State: AZ

Complaint narrative:
I emailed the company to Let them know my pay days have changed and it would be the opposite Fridays. Their response clearly lead me to believe they didnt read my email. 
I sent them paystubs as proof and I got no response from them. No communication what so ever. They just took money from my account on a Thursday morning. Which is not what is agreed upon in our contract. This cause me to become overdrawn. 
I reached dour to them again and have received no response yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: PA

Complaint narrative:
Other Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Date Reported XX/XX/XXXX never lived here in accordance with the Fair Credit Reporting act XXXX  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

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 2022-11-11 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 had initiated a dispute in XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

There is an account with XXXX that should be removed. It has been be settled and I was told it would be removed however after several conversations and follow ups it's still reporting. This needs to be deleted ASAP. 

For the XXXX XXXX car loan I was NEVER late. I am providing documentation showing how there is so many discrepancies in the reporting. How can I be paid on time with XXXX and XXXX  of XXXX XXXX but late 30 days with Equifax?? How can I be late 30 days with XXXX and XXXX in XXXX of XXXX but on time with Equifax? 
The payment status shows 30 days late yet Equifax shows its current. I need these late payments removed. 

For the XXXX XXXX account they have yet to provide documentation to me proving this is mine. This should not be reporting. This should not be on my report and should be removed immediately. They have yet to respond to any of my correspondences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: CA

Complaint narrative:
I had initiated a dispute in XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

There is an account with XXXX that should be removed. It has been be settled and I was told it would be removed however after several conversations and follow ups it's still reporting. This needs to be deleted ASAP. 

For the XXXX XXXX car loan I was NEVER late. I am providing documentation showing how there is so many discrepancies in the reporting. How can I be paid on time with XXXX and XXXX  of XXXX XXXX but late 30 days with XXXX?? How can I be late 30 days with XXXX and Experian in XXXX of XXXX but on time with XXXX? 
The payment status shows 30 days late yet XXXX shows its current. I need these late payments removed. 

For the XXXX XXXX account they have yet to provide documentation to me proving this is mine. This should not be reporting. This should not be on my report and should be removed immediately. They have yet to respond to any of my correspondences.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is not reporting correct information with my payment history. Ive tried in good faith to dispute this information with Experian and XXXX XXXX XXXX. I was advised by the CFPB agent to file another complaint to get this issue resolved. As you can see Experian is closing out the dispute without taking any action. This is grounds for a class action lawsuit. Experian refuses to update correct payment history for my auto loan. I made a payment in XX/XX/2016 and Experian will not report the payment made.

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 2022-11-11 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: PA

Complaint narrative:
Checking a credit report that's supposed to be associated with me and my personal business. I come across some hard inquries that TRANSUNION refuse to remove with my oral and written consent per 15 USC 1681 d ( 1 ) & ( 2 ) and request serveral times. I gave the bureau applical evidence and findings. 

PERMISSIBLE PURPOSE MEANS : EMPLOYMENT INSURANCE COURT ORDER FIRM OFFER OF CREDIT *** THIS IS STRAIGHT FROM TRANSUNION WEBSITE*** & FCRA Permissible Purpose Compliance Notifications Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

In accordance with the written instructions of the consumer to whom it relates.

To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the account.

I understand 15 USC 1681 ensures me These inquries have no permissible purpose to be in a credit profile that I dO NOT HAVE ANY ACCOUNTS WITH. 

1. XXXX  XXXX XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 3. XXXX XXXX XXXX XX/XX/2022 *** XXXX FOUND NO RECORDS OF THESE ACOUNTS AND DELETED THE INQURIES. 

4. XXXX ACCOUNT # XXXX. UPDATED TO ''PAID AS AGREED '' LIKE XXXX XXXX XXXX XXXX SHOW YOUR PROOF OF ME NOT PAYING THIS ACCOUNT 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 non-monetary relief
Consumer complaint received 2022-11-11 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: SC

Complaint narrative:
On XX/XX/XXXX, I XXXX XXXX went to my local bank ( XXXX XXXX XXXX ) to apply for a loan for a travel trailer. My credit report was pulled with an unknown account linked with all my personal information. I had NO knowledge of this account and did not open it ( XXXX ). The account is now considered a charge off ( according to the printed report that my bank gave me that day ). The date showing opened was XX/XX/XXXX. I have also contacted the company XXXX XXXX to let them know this was NOT my account and I did not open it under my authorization. They would not help me at all and ended up closing the case. I filed a police report ( breach of trust ) with XXXX XXXX XXXX 's Department ( XXXX XXXX XXXX ) and contacted XXXX XXXX AGAIN and gave them the case number and they reopened a case that is now showing under investigation. I also contacted Experian to let them know the fraud situation as well. I spoke with an XXXX today ( XX/XX/XXXX ) at XXXX XXXX XXXX XXXX department and he also recommended that I reach out to the Federal Trade Commission to also report the situation. I have also received a letter from the debt collector asking to pay {$5000.00} back. I did in fact contact the company ( XXXX XXXX XXXX XXXX ) and told them the entire situation and how the account was fraud and I XXXX XXXX did not authorize any purchases linked to the account. If anything else is needed please contact me at : 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 2022-11-11 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On XX/XX/2022, my final payment to Bridgecrest cleared my bank. I was immediately shut out of their online portal, so I can no longer see the status of my loan. Their customer service says it will be XXXX business days from the XXXX before they can verify that the payment was good and that nothing further is owed to either party. After that, they will issue a letter releasing their interest in the vehicle. In this day of instant electronic payments, how is this justifiable? I need to sell this vehicle soon, but cant even show prospective buyers that the vehicle is paid off via the website.

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 2022-11-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Other Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Date Reported XX/XX/XXXX never lived here in accordance with the Fair Credit Reporting act XXXX  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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: PA

Complaint narrative:
Other Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Date Reported XX/XX/XXXX never lived here in accordance with the Fair Credit Reporting act XXXX  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

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 2022-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
Someone has tampered with my existing Affirm finance account and was able to order a vacation from XXXX totaling {$2500.00} + interest, for a grand total of {$3100.00}. 
This activity was not me. I filed the complaint and regained access to my accounts, except this person did not use my XXXX account to place the order even. 
I have changed all the passwords and reported this within less than XXXX hours of the fraudster ordering a trip to Hawaii. 
I have also filed a complaint with the XXXX This has happened XX/XX/2022 the fraud occurred around XXXX and was reported at XXXX EST the following day. I have contacted XXXX who has assured me they werent even able to use the vacation package. 
As a result of this for my security I have locked my credit file with XXXX and I have my security freeze with XXXX turned on. 
My information was leaked as a result of XXXX data breach. I also have other proof my information was leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/ in accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2022-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
I XXXX : XXXX reached out concerning a transaction between XXXX, XXXX XXXX XXXX dated XX/XX/XXXX involving note and security deed and secured by residential property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee, XXXX, on XX/XX/XXXX. 

The letters I sent were to inform KIA MOTORS FINANCE/ KIA FINANCE AMERICA XXXX that I am exercising my right to rescind this transaction due to a breach in contract which deemed to be null and VOID at the time that the transaction had taken place due to the lack of FULL delivery of all material disclosures that are relevant to the plan. 

Upon reaching out dated XX/XX/XXXX, in response to my letter mailed and dated XX/XX/XXXX. In my letter dated XX/XX/XXXX, I disputed the Alleged {$16000.00} debt that you are attempting to collect. I additionally requested verification of the alleged debt pursuant to my rights under the FDCPA. I am within my rights to request a verification under the FDCPA. I requested a copy of a signed contract. I also requested that you delete any and all reporting made to any consumer credit reporting agencies. You have clearly failed to address my very specific legal request to RIGHT OF RESCISSION, CEASE AND DESIST delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( consumer credit reporting agency ) credit information that is known or which should be known to be false, and KIA MOTORS FINANCE/ KIA FINANCE AMERICA are in clear violation of the FDCPA.

KIA MOTORS FINANCE/ KIA FINANCE AMERICA failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of KIA MOTORS FINANCE/ KIA FINANCE AMERICA sending me a signed contract of agreement signed by all parties involved as requested, KIA MOTORS FINANCE/ KIA FINANCE AMERICA mailed me a ( Re : Request for Information about Your Account ). ( Re : Request for Information about Your Account ) is NOT a contract or agreement and is nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Also, my personal information was released without my consent or knowledge to a third party.

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 2022-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
On XX/XX/11 @ XXXX XXXX XXXX XXXX XXXX called from phone number XXXX and stated that he ( XXXX XXXX ) was from XXXX XXXX XXXX XXXX XXXX stated that his " client '', Spring Capitol, was trying to collect a debt. When I asked if they ( XXXX XXXX XXXX ) had bought the debt, XXXX XXXX stated " no ''. Once I pointed out that 15 USC 1692 ( a ) Communication with the consumer generally states " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ''. XXXX XXXX then gets erratic and says " What do you plan to do about it ''. When I tell XXXX XXXX again that he ( XXXX XXXX ) is not allowed to contact me since they ( XXXX XXXX XXXX ) are not the ones who I owe the original debt to. XXXX XXXX then begins to say " Do you need me to tell you for a third XXXX time ''. I proceeded to tell him to not contact me again and he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am being sued for a debt on a Macys / american express credit card. it is being reporting on credit bureaus as AMEX/DSNB account... XXXX and the balance as {$3.00}, XXXX ( XXXX XXXX, XXXX XXXX and XXXX XXXX dollars ) I requested documents to verify this information. for the past 2 yrs neither Macy 's or American express were able to prove this account belongs to me and refuse to remove this account from all three credit bureaus ( XXXX, XXXX XXXX XXXX ). I requested from the credit bureaus to send me what information they have that this account is verify, and they have not. XX/XX/2022 I sent a letter to American express requesting information on this account and have not heard from them.

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 2022-11-11 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 talked with representatives from XXXX, XXXX, and Transunion on XX/XX/2022, regarding the possibility that my consumer file might contain fake accounts. I requested that the accounts be deactivated because I didn't know anything about them or how they got there. All three companies gave me the go-ahead to complete the FTC report and submit the required paperwork. On XX/XX/2022, I submitted my letters by certified mail. The accounts were somehow " confirmed, '' despite the fact that they are not mine and had been on my report for more than 30 days after I sent my letters. Because it prevents my family and I from making purchases, this problem frustrates and enrages me. On XX/XX/2022, I got in touch with the three companies once more and asked how they could prove that these accounts belonged to me. They merely stated that they were unable to assist further and advised me to talk with the creditors directly. It didn't surprise me when I attempted to get in touch with each creditor who had been falsely asserting on the consumer file that they were not aware of me or the accounts. I was forced to use the CFPB website, just as some of my friends had advised me to given the situation. I sincerely hope that information is helpful since my family and I are attempting to submit an application for a house.

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 2022-11-11 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 in accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2022-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
I have disputed with my auto loan company due to late payments and them being revised due to XXXX XXXX. I have written letters to this company disputing that all my payments have reflected differently with all 3 credit bureaus. I have given them 15 calendar days to resolve these issues but no response. I have called this company numerous times asking for extensions in the years of XXXX and although they were offering XXXX XXXX options I was not able to obtain help due to not having an amount of funds available.

Company response to consumer: Closed with explanation