vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Kia Finance America has violated XXXX XXXX and XXXX XXXX rights on many fronts. I have proof and paperwork documented of the fraud, non disclosure and breach of contract with how they violated our rights. 
On or around XX/XX/XXXX, I got the payoff for my XXXX XXXX XXXX, from Kia finance america. I sent in my certified funds for the amount a little over the payoff to cover any interest or overages. Kia accepted payment and then released the lien also the title and they sent us clear title with no liens. I then got the certified copy of the title. Then a couple months later kia stated the payment was reversed and not accepted. Which is a violation of my rights on many levels. Acceptance of payment so discharged. They never returned anything back to me. My equity has been taken and my rights violated. My wife and I both called to resolve this matter but Kia insists that we still owe approximately {$9400.00} on said vehicle. Kia has violated constitutional law, contract law, ucc, codes and statues that are put in place to protect XXXX and XXXX XXXX as the consumer. 
So now they say we are 160 days late and the car was illegally repossessed. I have the clear title with no liens. I also called Kia again and entered my social security number to verify myself and they state thank you for your payoff and we will be sending your title in the mail as you requested. So it still shows my payoff on the automated system. Kia has illegal sent out repossession orders to XXXX XXXX XXXX  in XXXX XXXX Florida which now holds my private property illegally. I contacted Kia again about the illegal theft of my vehicle and property and they claim my account is being handle by a special department and they would need 3 days to contact me back. This happened to my wife 2 months ago when she called Kia to try and figure this out. Kia never contacted her back. They never contacted me. Kia claims they cant leave messages when calling, so how would we know if they called if we didnt answer or were busy at work? This has caused my wife and I unbelievable heartache, stress, financial hardship among many other things

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 2023-11-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy, 15 U.S.C, 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
Thursday XX/XX/XXXX, the company took the payment. After waiting for almost 2-3 months, I never received my service nor help from the institution therefore I thought paying upfront would change things. After trying to contact them, I haven't gotten any assistance. The whole thing felt like a scam so I decided it would be best to dispute the institution and apply somewhere else. Once I got the confirmation about the dispute going through, I then went ahead and applied to a different institution. This then effected my credit score from XXXX 's to XXXX 's. A month later, l all of a sudden now received a chargeback into my account. Ruining my credit score 2x than what it already did

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: TX

Complaint narrative:
After having my credit checked by XXXX the following morning I received over 40 phone calls within 1.5 hours from mortgage brokers. I did not consent to the big 3 credit firms distributing my personal information. Access to speak to them is extremely difficult and I have tried several phone number and automated systems will not support me. Why are the major credit firms allowed to share information about me without my consent.

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 2023-11-03 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: TX

Complaint narrative:
After having my credit checked by XXXX the following morning I received over 40 phone calls within 1.5 hours from mortgage brokers. I did not consent to the big 3 credit firms distributing my personal information. Access to speak to them is extremely difficult and I have tried several phone number and automated systems will not support me. Why are the major credit firms allowed to share information about me without my consent.

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 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. I have sent to all 3 credit bureaus with no response and removal of these fraudulent 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 non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Requested forbearance XX/XX/XXXX. Requested loan remodification XX/XX/XXXX. Requested reevaluation of loan remodifcation XX/XX/XXXXXXXX  service provider failed to respond. XX/XX/XXXXXXXX  submitted HAF application service provider failed to respond to HAF by the deadline of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2023-11-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, XXXX and Equifax under the Fair Credit Reporting Act I am intialed to the documents your client Department of EducationXXXX sent in to open the over {$80000.00} XXXX loan account in my identity. I have been requesting the documents but no CRA have responded yet. Send the documents immediately as required by law. If you can not submit the documents state why? XXXX I was pre-apporved for a personal loan. XXXX against my permission you wrote to the loan company that my debt ratio was to high. XXXX why did tell the loan company this when I was just in the pre-approval process. I had not submitted for a hard pull of my credit report. XXXX you have blocked me from seeing my credit report and filing disputes, I can not see in the account. because you are a partner with XXXX by writing me and saying your going to send my case to an outside agencies. XXXX tell what gives you the authority to keep damaging my credit report and scores. I will see all CRA in court soon. CRA XXXX has no authority to rule on any student loan in my identitication. The real U.S. Department of Education General Counselor had ruled XX/XX/XXXX, Defaulted/Unresolved for FRAUD this mean no student loan servicer to touch this account, no servicing fees will be paid for this accountXXXX  was not suppose to be in custody of the fraudulent loan. XXXX was not to collect servicing fees on the fraudulent loan XXXX can not make any decsion on this student fraudulent loan. XXXX XXXX can present their evidence in court. XXXX stop me from buying a house. The CRA stop me from buying a house. CRA send the XXXX XXXX documents. I will see XXXX and the CRA in court soon for damaging my credits and scores CRA YOU BLOCK ME FROM BUYING A HOUSE XXXX  CAN NOT MAKE ANY DECISION ON THIS FRAUDULENT ACCOUNT. THAT WAS TERMINATED XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: PA

Complaint narrative:
I recent notice Multiple inquires on my credit report that were unauthorized. Most bring in XXXX XXXX XXXX XXXX I have been previously notified by XXXX XXXX XXXX that I was a victim of Identity Theft due to Security Breaches with their respective companies. There is no surprise that my information can/could be used to attempt to receive credit or accounts. I have since filed a report with IDTheft.gov and will upload report to this complaint. I AMM respectfully requesting each respective Credit Bureau delete each unauthorized Hard Inquiry off of my consumer reports. 

My other issue with the 3 Credit Bureaus XXXX XXXX, TransUnion & XXXX ) is : I am requesting the DELETE ALL the listed Charge-Off Accounts on my reports due to there are no longer any Balances owed on each respective account. 

THE LAST DATE OF ACTIVITY, THE LAST DATE OF PAYMENT, THE ACCOUNT NUMBER, THE BALANCE EVERYTHING ON THIS CREDIT ITEM ON MY CREDIT REPORT LOOKS TO BE INCORRECT. CAN YOU PLEASE DELETE THIS ITEM FROM MY CREDIT REPORTS Lastly ; There are Two ( 2 ) Listed Dismissed XXXX XXXX XXXX on my Credit Reports. Ive already disputed them directly with the credit bureau to delete them because the Court did not send this info to the Credit Bureaus Directly, and by law it should not be Reported on my credit 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 2023-11-03 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: PA

Complaint narrative:
I recent notice Multiple inquires on my credit report that were unauthorized. Most bring in XXXX XXXX XXXX XXXX. I have been previously notified by Equifax XXXX XXXX that I was a victim of Identity Theft due to Security Breaches with their respective companies. There is no surprise that my information can/could be used to attempt to receive credit or accounts. I have since filed a report with IDTheft.gov and will upload report to this complaint. I AMM respectfully requesting each respective Credit Bureau delete each unauthorized Hard Inquiry off of my consumer reports. 

My other issue with the 3 Credit Bureaus XXXX Equifax, XXXX & XXXX ) is : I am requesting the DELETE ALL the listed Charge-Off Accounts on my reports due to there are no longer any Balances owed on each respective account. 

THE LAST DATE OF ACTIVITY, THE LAST DATE OF PAYMENT, THE ACCOUNT NUMBER, THE BALANCE EVERYTHING ON THIS CREDIT ITEM ON MY CREDIT REPORT LOOKS TO BE INCORRECT. CAN YOU PLEASE DELETE THIS ITEM FROM MY CREDIT REPORTS Lastly ; There are Two ( 2 ) Listed Dismissed XXXX XXXX  Bankruptcies on my Credit Reports. Ive already disputed them directly with the credit bureau to delete them because the Court did not send this info to the Credit Bureaus Directly, and by law it should not be Reported on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Concord Servicing Corporation
State: VA

Complaint narrative:
I bought a water heater from XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2023 using my credit card. They installed the water heater on XX/XX/2023. The charge to my credit card was made on XX/XX/2023 for {$2900.00}, even though I had called, sent emails, and informed the company that I was using my credit card to pay for this and not a loan company on XX/XX/2023 and several times after this date. They did not send me a receipt for this transaction and they did not cancel the loan to XXXX, XXXX that I had paid the company for the water heater in full. I am now receiving collection notices from XXXX, XXXX, because they have not cancelled this loan debt, that I have paid in full. I need a response before XX/XX/XXXX. I do not understand why they have not sent a printed receipt showing that I paid for this water heater in full or a confirmation that they have cancelled the debt owed to XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Servicers Not Performed after XXXX Months and No Documentation or Explanation... They Just Took My XXXX 



The Florida Bill Of Rights Clearly Requires Transparency : Summary of the Florida Patients Bill of Rights and Responsibilities Per Florida Statute 381.026, Florida law requires : -- -- -- -- -10. A patient has the right to receive, upon request, prior to treatment, a reasonable estimate of charges for medical care.

11. A patient has the right to receive a copy of a reasonably clear and understandable, itemized bill and, upon request, to have the charges explained. -- -- -- -- ---

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 than 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. The above inaccuracy is stopping me from being able to acquire a loan to buy a home.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX charged off a credit account of mine XX/XX/2019. It is not being properly reported by Equifax as charged off per the mortgage lender. I called XXXX and they confirmed it was charged off in XX/XX/2019, however that is not what they are reporting on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. I have sent to all 3 credit bureaus with no response and removal of these fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: MI

Complaint narrative:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. I have sent to all 3 credit bureaus with no response and removal of these fraudulent 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 non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have been in touch with XXXX XXXX XXXX  to get charity or reduce the bill. Ive sent numerous times info required, bank statements, taxes, income and so on. They always came back with something missing, which was sent over and over again. I thought they were still working on helping me out, and I got the collection letter.

Company response to consumer: Closed with explanation