vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Leased vehicle was returned on XX/XX/20. Final check # XXXX of {$990.00} was mailed on XX/XX/20 to pay off the remaining balance, posted on XX/XX/20 on their website incidicating payment was received. The withdrawl also appeared on my bank account on XX/XX/20. Shortly after this I have started to receive calls from Kia Motors Finance ( KMF ) indicating my payment was not recieved and there was an outstanding balance of {$990.00}. I spoke to several individuals over the phone at KMF and have gotten very different explanations each time. I was first instructed to wait 7-14 days due to the check possibly not getting posted on their end, even though my bank statement showed the transaction. After this incident I spoke with another individual who requested my check number which I provided and he explained to me they would have a supervisor look into this matter and contact me via phone. I never heard back from the supervisor, each member of KMF indicated they saw the comments from the last employee I spoke with however nothing was done. Most recently within the past few months ( XX/XX/20 ) I was advised I need a copy of the check in order for them to look into this matter. The transaction that took place on XX/XX/20 from my bank indicated my check was converted to an electronic transaction by the merchant. ( KMF ). Due to this I was unable to obtain a copy of the check. I have contacted my bank as well and they only have the transaction that took place on that day. On XX/XX/20 My credit reporting agency alerted me that I am deliquent on this payment. I have once again contacted KMF explaining this charge has already been paid off and I have documents I am willing to send over to support this. However, KMF always gave me the same response now that I need a copy of the check and they were not sure why it got converted to an electronic transaction. I most recently on XX/XX/20 recently filed a dispute with XXXX  indicating this information is not correct. On XX/XX/20 I received my dispute back results indicating this information was reported correct however the KMF loan indicates the account as closed but I still show the negative impact on my credit report. Thank you for taking the time to read this, I would like this issue to get resolved as soon as possible.

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 2020-06-19 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: OK

Complaint narrative:
I disputed the account XXXX ( XXXX XXXX  ) {$120.00} with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX  ) is. I have never signed an agreement with XXXX ( XXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX   XXXX  ) ( {$370.00} ) with XXXX, XXXX  and Transunion and the incorrect FRAUDULENT information is still there. I do not know who XXXX ( XXXX XXXX XXXX ) is. I have never signed an agreement with XXXX ( XXXX XXXX XXXX  ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX with XXXX, XXXX   and Transunion and the incorrect information is still there. I do not know what this XXXX XXXXcount is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$240.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX account is. I have never signed an agreement with XXXX  XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The fraudulent errors still exist

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 2020-06-19 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: OK

Complaint narrative:
I disputed the account XXXX ( XXXX XXXX ) {$120.00} with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX  ) is. I have never signed an agreement with XXXX ( XXXX XXXX  ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX   XXXX  ) ( {$370.00} ) with Equifax, XXXX  and XXXX  and the incorrect FRAUDULENT information is still there. I do not know who XXXX ( XXXX XXXX XXXX ) is. I have never signed an agreement with XXXX ( XXXX XXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX account is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$240.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX  XXXX account is. I have never signed an agreement with XXXX  XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The fraudulent errors still exist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc.
State: KY

Complaint narrative:
The company is American first Finance. The last time I was on my account it was like XXXX. 
I paid it around XX/XX/XXXX. 
Now I got on my credit report that I never paid and they say I owe like XXXX. 
So, they added more and did not update my payment made. 
I attempted to contact them and they hung up the phone. 
I never received an email or bill and I thought it was good. 
My account online showed different amounts and now their interface and online account is different. 
It does not show past payments and I have no proof they took and it's not visible. 
My other account with them is not present on there either. 
It was paid off and still the account showed up before. 
Now it is not even there, like it never existed. 
Shady practices ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: SC

Complaint narrative:
I have negotiated the two accounts I have with XXXX XXXX that is showing on my credit report. Both accounts have been negotiated and settled. I no longer owe these two accounts.

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 2020-06-19 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: SC

Complaint narrative:
I have negotiated the two accounts I have with XXXX XXXX that is showing on my credit report. Both accounts have been negotiated and settled. I no longer owe these two accounts.

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 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
8 charges 1. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX All are on my fathers charge card for makeup. He is XXXX years old. Citibank said they are unwilling to discuss anything further over the phone. All correspondence has to be in writing. They want us do contact the Executive Response Unit in XXXX XXXX SD. NOTHING WAS DISCUSSED OVER THE PHONE, NO ONE CONTACTED XXXX OR XXXX AS THEY STATED THEY WOULD DO. 

After 13.5 hours of trying to talk to Citibank over 5 days, they allowed the charges to go thru and have stated the charges will remain until they receive a letter in writing from a XXXX year old man that the charges are fraud. I pointed out that 2 of the charges were done while he was in XXXX, and all of them are out of state.

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 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I paid off my accounts with USAA bank since XX/XX/2019. They have updated all bureaus still show charge off and but that is incorrect. They had agreed to change the status to " Paid and Satisfied ''. 

I need this resolved to proceed with my federal government security clearance. 

Thanks In Advance XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: AR

Complaint narrative:
On XXXX I sent supporting documentation to all three credit bureaus in regards to inaccurate/wrong and or fraudulent information that has been reporting on my credit file for several months. I never filed or been any any Chapter XXXX Bankruptcy period. My overall credit standing is good and this inaccurate/wrong and or fraudulent information is having a negative impact on my current rating. Here it is XXXX beyond 30 days and I haven't heard anything from Transunion, XXXX or XXXX   in regards to my initial dispute. Both the County Court house and XXXX XXXX neither have any records of a filed bankruptcy on my behalf. I this erroneous reporting absolutely unacceptable and is a clear violation of my rights as a 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 explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is Comenity bank/XXXX on my Credit Report with XXXX, XXXX, and XXXX. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,. Despite more than three written requests, the unverified account ( Comenity Bank/XXXX ) still remain on my credit report in violation of Federal Law. XXXX, XXXX, and XXXX and ( Comenity Bank/XXXX ) are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? XXXX, XXXX, and XXXX  and ( Comenity Bank/XXXX ) have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 )  ( A ). Furthermore XXXX, XXXX, and XXXX and ( Comenity Bank/XXXX  ) have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA youare required to. XXXX, XXXX, and XXXX failure to positively verify these accountshas hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: CA

Complaint narrative:
I applied for a XXXX  XXXX XXXX credit card on XX/XX/20 because I want to start building up my credit but unfortunately I was not approved because I guess there are four accounts in negative standing on my credit report. I wasn't aware of these accounts before today because like I said I'm barely starting to build credit. These accounts do not belong to me ; I did not open any of them and I did not give anyone permission to open them in my name. I have no idea who is responsible for these accounts but I did not benefit anything from them being open on my behalf such as money, goods, services or any other benefit and I never made payments towards these accounts. The accounts were opened with these companies-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a contract/agreement or any affiliation to any of these companies nor did I ever authorize them to access my credit information. I have filed this report with all the information I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I received an alert on my credit report from Portfolio Recovery Associates that I owe XXXX XXXX, {$350.00} in which I never have done any services or relationship with at all!! The item appeared on my report XX/XX/2020. I did not receive anything on paper from neither just my credit report. I dont have any dealings with XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Green Square Company LLC.
State: SC

Complaint narrative:
I was contacted today by Green Square collections at XXXX and told this was in reference to a loan that I had outstanding with XXXX XXXX XXXX and the balance is {$1700.00}. Per the representative they will be willing to settle this debt for less or set up a payment arrangement. I asked for verification of the contract before agreeing to set up payments and was told " this was nothing more than a stall tactic and good luck in court. '' The representative then disconnected the call. I will not set up a payment arrangement until I receive a copy of the original loan agreement as well as a payment history. I have been advised that this loan was not legal in the state of sc. 

Green Square violated my rights as they are refusing to validate the debt, and I am appalled by the way that I was spoken to. This can not be a legitimate company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: GA

Complaint narrative:
I can not withdraw money from my account nor can I send money to friends. It started on XX/XX/2020. I get the error message " server error '' when I try to log into my account. Also when I try to withdraw money from the ATM I get the error code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX I opened a dispute with TransUnion. In that dispute TransUnion was asked to verify/validate an account. The account in question is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX. In accordance with federal law and FCRA guidelines ; TransUnion was given 30 days to validate/ verify the account or had to be removed. At this point TransUnion has fail to comply with FCRA guidelines and has not verified, validated or removed the account.

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 2020-06-19 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: CA

Complaint narrative:
I applied for a XXXX XXXX XXXX credit card on XX/XX/20 because I want to start building up my credit but unfortunately I was not approved because I guess there are four accounts in negative standing on my credit report. I wasn't aware of these accounts before today because like I said I'm barely starting to build credit. These accounts do not belong to me ; I did not open any of them and I did not give anyone permission to open them in my name. I have no idea who is responsible for these accounts but I did not benefit anything from them being open on my behalf such as money, goods, services or any other benefit and I never made payments towards these accounts. The accounts were opened with these companies-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a contract/agreement or any affiliation to any of these companies nor did I ever authorize them to access my credit information. I have filed this report with all the information I have.

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 2020-06-19 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: CA

Complaint narrative:
I applied for a XXXX XXXX XXXX credit card on XX/XX/20 because I want to start building up my credit but unfortunately I was not approved because I guess there are four accounts in negative standing on my credit report. I wasn't aware of these accounts before today because like I said I'm barely starting to build credit. These accounts do not belong to me ; I did not open any of them and I did not give anyone permission to open them in my name. I have no idea who is responsible for these accounts but I did not benefit anything from them being open on my behalf such as money, goods, services or any other benefit and I never made payments towards these accounts. The accounts were opened with these companies-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a contract/agreement or any affiliation to any of these companies nor did I ever authorize them to access my credit information. I have filed this report with all the information I have.

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 2020-06-19 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: FL

Complaint narrative:
On XX/XX/XXXX, I was furnished a copy of my credit report from Equifax and found incorrect information on my report from a company labeled as XXXX with the mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I sent them a letter on XX/XX/XXXX via certified mail that I have attached to this complaint requesting validation of the account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I received my letter back, unopened, marked returned to sender because the address they were reporting to Equifax was no longer valid and they did not have a forwarding address on file any longer. 

On XX/XX/XXXX, I sent a letter that I have attached to this complaint to Equifax via USPS certified mail that was received by them on XX/XX/XXXX confirmed by the certified tracking number. The letter was sent with a photocopy of the undeliverable mail with the address that was furnished from XXXX to Equifax. On XX/XX/XXXX, I received notification from Equifax that the results of my dispute were in and that " the disputed item is not currently reporting on the Equifax credit file XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL '' and that " we verified that this item belongs to you. '' Attached are copies/screenshots of Equifax reporting the account disputed with the address that was mailed to and returned due to being incorrect, the letter that was mailed, the returned mail back to me, my letter to Equifax, as well as their correspondence back to m, and my information to verify myself.

Company response to consumer: Closed with explanation