vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was recently notified that my personal information was included in a data breach and to check my credit reports. I noticed inaccurate personal information and contacted all three credit reporting agencies to correct this misinformation with a letter showing the inaccurate personal information and included a copy of my driver 's license and a electric bill with my address as instructed by the CFPB website. I then received an email from response Experian stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at XXXX 

After receiving this email I attempted to call the number they provided and it's a recorded loop that's takes you a round in a circle and you can not reach anyone. So I sent them another letter confirming my identity, sending my driver 's license and utility bill again, and asking them to remove the inaccurate personal information they are reporting. 

Experian then sends me the exact same email again! I don't understand why they're refusing to remove the inaccurate personal information when twice now I've sent them all of my information and documents to prove it's me. Following the advice from the CFPB website I am filing this compliant in hopes that they will take action on my behalf.

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 2024-04-16 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: FL

Complaint narrative:
I traded in XXXX XXXX for another XXXX. Our XXXX was already in the middle of being processed. This was in XXXX of XXXX. The refund check was for {$700.00}. It was sent out in XXXX. When checking multiple times with my dealer in XXXX and XX/XX/XXXX. They could not see the check being received. The check was apparently sent to a different dealer in a different town. With the help of the XXXX XXXX we spoke to Kia Finance on the phone to have the check reissued to the proper location since they at that time would NOT issue the check directly to me. XXXX weeks later I called Kia Finance to check that the check was sent. It was NOT reissued or sent. I asked why and they could not give me a reason. I asked for the check to be reissued this time to me and they said they needed written agreement from the dealership. This option was NOT offered when I WAS with the dealer and could have easily done that. I asked for both the check to be finally reissued as well as someone to make an official complaint. I was told that person from the complaint department would call me in XXXX days. They did not call me until approximately XXXX  days later. I waited another XXXX weeks and called to check the status and now they said they tried to call me and were only able to leave a message. I informed them this call was ONLY to complain about their multiple issues with getting me my refund. I informed them that the check SHOULD HAVE BEEN REISSUED BEFORE I even received the call from the person in the complaint department. I tried calling the person that did leave me the response for the complaint however their calls to me only seem to be right before their end of day and I have been unable to get in touch with them and I have left multiple voicemails. This has been XXXX months since paying off the car for me to receive my refund check which as of today XX/XX/XXXX. I still have not received and the company still has not issued. I should have received in 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 2024-04-16 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:
I recently viewed my credit report and noticed an account that's isn't accurate. I have late payments on the account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments and I have attached a copy of my report to this complain on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). XXXX now requesting you to investigate and provide verifiable proof of records showing that I had late payments. if this information can not be verified I demand these payments to be updated to ( paid on time ) immediately. Thank you for your understanding & help in advance.

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 2024-04-16 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate credit reporting and violation of the U.S. Code 15 1681 by Experian. On XX/XX/2024, I sent a letter to Experian and XXXX XXXX  XXXX XXXX ( XXXX XXXX  XXXX ) disputing the presence of an erroneous account on my credit report. Despite the clear violation of federal law and my efforts to rectify this matter, the inaccurate information remains on my credit report with Experian. 

Under the Fair Credit Reporting Act ( FCRA ), specifically U.S. Code 15 1681, it is mandated that consumer reporting agencies ensure the accuracy of the information they report and investigate any disputed items in a timely manner. The presence of this inaccurate account on my credit report not only damages my creditworthiness but also violates my rights as a consumer protected under federal law. 

I have attached a copy of my valid identification, which includes my current address, along with a copy of my credit report highlighting the disputed item. Furthermore, I have already received confirmation from XXXX other credit bureaus that they have deleted the inaccurate account from my credit report, underscoring the clear error on Experian 's part. 

In accordance with the FCRA, I demand that Experian promptly investigate this matter and delete the inaccurate information from my credit report within 30 days. Failure to do so will result in legal action, including litigation and damages of {$1000.00} for this account. 

I expect a timely and satisfactory resolution to this matter. Your cooperation in resolving this issue is appreciated.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to escalate a dispute regarding inaccurate information on my credit report, which has been verified by Trans Union despite my efforts to provide evidence proving the inaccuracy. 

Disputed Information : On XX/XX/2024, I submitted a formal dispute to Trans Union regarding inaccuracies on my credit report related to account paid in a timely manner. but bureau is reporting collection. I provided detailed documentation and evidence supporting my dispute, including documentation from my credit report using XXXX XXXX 

Verification Without Investigation : Despite the evidence provided, Trans Union has verified the accuracy of the disputed information without conducting a thorough investigation into the matter. This response is unacceptable and violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus investigate consumer disputes and correct any inaccuracies. 

Request for Intervention : I request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to ensure that Trans Union fulfills its obligations under the FCRA and conducts a proper investigation into the inaccuracies on my credit report. I also request that appropriate enforcement action be taken against Trans Union for its failure to comply with regulatory requirements. 

Enclosed with this letter are copies of all relevant documentation, including my credit report, dispute letters, and any correspondence with Trans Union. I request that you investigate this matter promptly and inform me of the results of your investigation. I want XXXX XXXXOriginal Creditor XXXX XXXX removed! They never informed me through mail, email, phone call of this alleged debt was owed. The account was paid. Per evidence submitted from XXXX XXXX credit report. This account was paid on time monthly. Please remove these XXXX accounts from my credit report. Account # XXXX XXXX XXXX Original Creditor XXXX XXXX Account # XXXX XXXX XXXX Original Creditor XXXX. They have no evidence that the delinquent account is mine. The only account that is mine was paid on time! 

Thank you for your attention to this matter. I look forward to a swift resolution and the correction of the inaccuracies on 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 2024-04-16 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-04-16 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-04-16 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: FL

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with XXXX-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed these unauthorized with the creditors and consumer reporting agencies these transactions are unauthorize inquiries. 

Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I just checked again my XXXX, XXXX and Equifax credit reports and I can see accounts reporting inaccurately. Please see attached file below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I have been with Venmo for a few years, over a year ago I started receiving phone calls from Venmo, fraudulent activity noted on your account, press 1 if this was not you! If you did not answer the first call it would immediately call again, and again! When you answered and responded 1 they would send a text to press 1 and then insert these 5 numbers. For over a year I ignored these calls! On XX/XX/XXXX, I finally answered and some XXXX guy asked if I had sent {$440.00} to XXXX. I said I didnt do anything. The guy then said I need to transfer funds back to my bank account and I told him no! Im not doing anything and the next think I know my Venmo account is closed and funds from my Venmo have been transferred XXXX XXXX! Help please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate information that is reporting incomplete. Incomplete information is inaccurate and thereby not supposed to be on my 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 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion was the only company I contacted as the report was from them that included the fraudulent inquiry. They said they would reach out and let the company know. Also the customer service person advised me to call the FTC and the FTC site said to call cfpb.

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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a credit card with Bank of America on XX/XX/XXXX over the phone. I was told that I had been approved with a {$9000.00} credit limit and that a card would be expedited to me in XXXX days. When no card arrived, I attempted to call several phone numbers for Bank of America, none of which could verify my identity through the automated prompt and would not transfer me to a customer service representative. I finally reached out to the new applications department and was referred to a website where I was told the status of my application could be checked. On entering my application confirmation number, it only said that my account was under review and did not give any specific reasons why. I have also received no emails, phone calls or USPS mail concerning my application. I was relying on this card to make a payment to my divorce attorney, and now several days have been wasted that I, and could have used to find an alternative.

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 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
This is my second submission & request!! 

On XX/XX/XXXX I was sent funds in the amount of {$300.00} for XXXX XXXX, however double the amount was sent in error from the sender 's account. I attempted to try to send the funds back but was required to accept them first. Due to error messages with the card on file I was prompted by the site to add new card information. I added a new card and still received errors. I was then prompted to add banking information, I received an email notification indicated my account was verified and added however I still did not receive the funds in my linked account. I was then prompted to submit social security information which I was not comfortable doing on this platform and was not disclosed as a requirement before accepting the funds from the sender. These funds are still being held by Venmo. After several attempts to reach customer service and being left in que with no response my account was locked with no access to transact. I submitted an email complaint to Venmo ( Request # XXXX ) and never received a response back. I contacted the XXXX to file a ( complaint # XXXX ) on XX/XX/2024, in hopes that I would be able to get assistance with them transferring to overpayment back to the sender and the balance of the funds to my account but have not received a response or a follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: CA

Complaint narrative:
I recently, I did and investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information if found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Account name : XXXX Account XXXX XXXX Account name : Account name XXXX XXXX XXXX Account number XXXX Account name : Account name XXXX XXXX XXXX Account number XXXX Account name : Account name XXXX XXXX Account number XXXX Account name : Account name XXXX Account number 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 2024-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
ACIMA pulled my credit, but did not go through the credit verification process and denied my application due to being unable to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington has an arm called XXXX XXXX XXXX XXXX, which handles all insurance claims. 

I have complied and submitted all request documents as well as my claim check. The amount of the check was approximately {$11000.00}. The company is now stating they will release 25 % of my claim and I will need to pay for the rest of my repairs out of pocket. My insurance approved a total roof replacement, and their provided quote was over {$18000.00}. 

I explained to XXXX that my home insurance has given me a deadline of XX/XX/XXXX to complete repairs, and they refuse to send me the funds my insurance allocated for the repair. 

I have been unable to speak to my file manager, XXXX. He has left XXXX voicemails and is perpetually unavailable anytime I call. 
The front end CS reps simply read from a script and provide no actual answers. I have spoken with customer advocacy at Carrington as well, and have received no follow up or resolution. 

I am simply requesting my insurance funds be released so that I can adequately repair my home and keep my home insurance in tact.

Company response to consumer: Closed with explanation