vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights. 

15 US.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate 15 U.S.C. 1681 section 611 ( 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 is 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2022-11-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights. 

15 US.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate 15 U.S.C. 1681 section 611 ( 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 is 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I received post in XX/XX/2022 stating they welcomed me and to make my first payment by XX/XX/XXXX, XXXX i responded and asked them to validate the debt by XX/XX/XXXX, XXXX i received a phone call on XX/XX/2022 where i told them a validation request was sent and i had not gotten a response yet and that i would only communicate with them by mail. Santander called me 13-15 times. they finally responded refusing to validate the debt stating that would be their only response. it took a month for them to respond. they still reported late payments on my consumer report. i responded to their lack of validating the request and marked up the counterfeit copy they sent to me highlighting the fraudulent items. they ignored it. XX/XX/2022, someone stole my car under commission from Santander Consumer USA in the middle of the night. They still have not sent me a copy of the court order permitting this activity, nor have they returned the promissory note, and have since sold my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-29 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-29 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I called Aidvantage on XX/XX/22 to request a refund of {$1900.00}. The refund was for funds that I had paid during the XXXX payment pause. I was told it would be processed and I would receive a refund in XXXX weeks. I called back about XXXX weeks after my request to check the status since I had not received the refund. They said that the time frame had changed to XXXX but my request was approved and I didnt need to worry. Throughout this there was no way to get a tracking number or any confirmation outside of verbal confirmation. When I called back XXXX weeks later XX/XX/22 I was told that it was approved but never processed so the request was not sent to the XXXX XXXX As of the XXXX I was told this has been processed and expedited but since the Treasury is back logged it will still be an additional XXXX weeks. This will leave me without a refund for up to XXXX weeks from the original request all due to them not properly submitting my request. They said there is nothing more they can do. I find them XXXX XXXX  at fault and I am left without money that is rightfully mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
near the end of XXXX XXXX XXXX i did my own investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate item with Santander consumer USA account. 
so i decided to send Santander consumer USA a letter stating that the account is showing and still reporting negative on my account. and that in accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under, 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681u ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX  send a letter saying their record show that i have a total balance of XXXX. However, we are willing to accept only XXXX to settle my account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies LVNV Funding LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Account No. : Vehicle : XXXX VIN : XXXX Maturity Date, XXXX XXXX XXXX XXXX XXXX AT XX/XX/XXXX In XX/XX/XXXX the above-referenced auto lease ended, and I returned the vehicle to XXXX. The car lease began in XXXX XXXX XXXX XXXX was the signer on the account and XXXX XXXX, the Daughter, was the co-signer. Throughout the duration of the lease, the account was set up for auto-draft payments. Not one payment was missed. The lease ended, the vehicle was returned, and the account was closed in good standing in XXXX XXXX 

In XXXX XXXX nearly 2 years after the lease ended, KIA added two 30-day late payments to the KIA account on our credit reports. The account was previously in good standing. In XX/XX/XXXX, nearly 2 years after the vehicle was returned, we were alerted to two 30-day late charges on our credit reports. We contacted KIA Finance immediately. 

It had been 2 years since we were a KIA customer. Both my daughter and my address changed. Mail forwarding only lasts for 6 months. There was no way that this invoice ( sent two years later ) could make it to us in the mail. 


KIA sent my daughter, XXXX, a copy of the final invoice on XX/XX/XXXX. The invoice was not itemized and did not include a description of fees. On XXXX XXXX XXXX  we called to speak with a supervisor. Throughout the month of XXXX we called over 10 times. We sent KIA Finance a letter at the end of XXXX XXXX. We received a call from a supervisor on XX/XX/XXXX. We received a login to a portal that contained information about the invoice and pictures. On XX/XX/XXXX, we received a voicemail from the supervisor about an offer for a resolution. We called the Kia supervisor for the entire month of XXXX and were never able to get anyone to return our call to take care of this account. KIA has been reporting late payments every month on our credit reports but has not given us a way to pay the account. 


We sent KIA finance America formal letters in the mail. I attached copies of our USPS receipts.

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 2022-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/22, I called Macy 's credit card, which is Citibank, N.A., to make a payment on my account which had closed due to non-payment. I was told that a payment could not be made by phone or online. I had to mail it. The customer service representative gave me the mailing address, and on XX/XX/22, I overnighted a XXXXXXXX XXXX  cashier 's check to the address provided by the rep through the USPS. The USPS delivery confirmation showed that the letter with my payment was delivered on XX/XX/22. 

I called Macy 's the following week, and they told me that the payment hadn't been received and that it could take a week before showing that it was received. The following week, I received a letter from Macy 's dated XX/XX/22 that said, " As of the date of this letter, we have not received your payment you referenced in your recent inquiry. If this information is incorrect, please follow directions below ... '' The directions in the letter told you how to send proof of your payment to Macy 's and included a fax number of where to send it. I called Macy 's that day and spoke to a rep who confirmed that proof of payment should be faxed to the number in the letter. 

On XX/XX/22, I called XXXX XXXX XXXXo see if my payment was received. XXXX said that the cashier 's check to Citibank , N.A . was cashed on XX/XX/22 and that I needed to go in person to their branch location to get a copy of the check. On XX/XX/22, I went to XXXXXXXX XXXX, and they gave me a copy of the cashier 's check showing that the check had been deposited by Citibank , N.A . They also faxed a copy of the deposited cashier 's check for me to Citibank to the fax number Macy 's said to fax it to in their XXXX letter. 

On XX/XX/22, I called Macy 's to follow-up to see if they received my faxed proof of payment. They said they did not and that I faxed it to the wrong number, even though the number to fax it to was specifically listed in their XX/XX/22 letter to me. I was given a new fax number and told to address my fax to Payment Investigation. On XX/XX/22, I faxed a copy of the deposited cashier 's check to the Payment XXXXnvestigation to the new fax number I was given. I called Macy 's on XX/XX/22 to see if they received my fax and payment, and they said they did not, which is why I'm now filing a complaint with the 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 monetary relief
Consumer complaint received 2022-11-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have an inquiry with Bank of America that I did not authorize nor do I have bank accounts or credit card or a car loans with 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 explanation
Consumer complaint received 2022-11-29 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
BMW FINANCIAL SERVICES/CREDIT Date Opened XX/XX/XXXX Balance {$51000.00} Status Voluntarily surrendered. {$4700.00} past due as of XX/XX/XXXX. 
Original Lease amount {$36000.00} The account was closed and was removed in XX/XX/XXXX, and reappeared in XX/XX/XXXX with inaccurate amounts owed. 

Company is in violation of in violation of the following codes ; US Code Title 15, 15 USC 1681a ( k ) ( 1 ), U.S. Code Title 15, Chapter 41, Subchapter III, U.S. Code 1692d - Harassment or abuse, U.S. Code Title 15, Chapter 41, Subchapter III. 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting and 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: GA

Complaint narrative:
Transunion, XXXX and XXXX are reporting a bankruptcy on my credit reports and have put the data furnisher as the, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, which is not true. I have included a letter, from the XXXX XXXX XXXX XXXX XXXXXXXX, that states that they DO NOT furnish such information to the credit bureaus or ANY credit reporting and monitoring agencies. Nor do they validate or verify any information concerning bankruptcies. 
TransUnion, XXXX and XXXX are falsely reporting this information on my credit reports and have yet to remove it from my reports.

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 2022-11-29 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
accounts have been open in my name that i did not apply for and inquiries to my credit have been made that i did not request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
accounts have been open in my name that i did not apply for and inquiries to my credit have been made that i did not request

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 2022-11-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation