vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
US BKPT CT TN XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX/XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed  + 'icon ' Processed XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed filed ftc

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 2020-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Check was sent by my bank on to arrive XXXX like all previous payments. It was not applied to my account - after several calls to HMF, I made a payment online on XX/XX/XXXX so as not to be late and filed investigation with my bank. The bank investigated and found the check was deposited by Hyundai Motor Finance on XX/XX/XXXX. I called the Hyundai Motor Finance and they asked I fax a copy. I faxed a copy on XXXX and I have confirmation ( attached ) - I called on XX/XX/XXXX and they said they did not receive it. I talked with a manager that refused to give his name and disconnected and provided no help in resolving this

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 2020-07-16 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVE THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As of today, XX/XX/2020, I have contacted TransUnion Credit Report, they unfairly report wrong information on my report and keep my score at the lowest point of all 3 Credit Report. 
I have called several times to dispute my hard inquiries, and too remove them. 
I get told NO, they can't not do that, they have given me directions on how for me too do it.. Write letters, call the hard inquiries, contact the police, and the lastest today, was write to the hard inquiries and request they write TransUnion to have them removed! Once again I am sent too all kinds of representatives that I can not understand what there sayings! I ask for a supervisor here in the United States and all got was a recording. Yesterday XXXX  deleted 2 hard inquiries not authorized check my credit report. TransUnion keeps giving me the run-around and I ask why serveral times why they just didn't just deleted these inquiries that I didn't authorize and he said, oh we can do that ..I said why? He said ummmmmm, I don't know? Please help to deal with TransUnion, I put a freeze on my account due to I don't trust them due to what I have been through the last 2 months.. please help me..

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 2020-07-16 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: NY

Complaint narrative:
Hello my name is XXXX, I recently went to XXXX XXXX to see my credit score as the only thing i ever did was have car insurance. I come to find out someone somehow using my identity. There are accounts opened 100 % not authorized by me as I never had a credit card. My cousin recommended this site for the best course of action. On XX/XX/2020 I tried to call XXXX  XXXX, XXXX  XXXX, XXXX XXXX and explain to them this isn't me to try to find out what was going on and they said I have no proof. I have no idea who paid these bills how someone got these cards if maybe I'm being confused with a different person. Any help on this greatly appreciated. I had told them under the fair credit reporting act I had the right to know what was going on but they kept me giving me run around so I have these cards now filled with late fees and payments i do not owe and i did not authorize any of this. This is 1000000 % fraud. I am going to attach some files on here so you guys understand. Please help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: NY

Complaint narrative:
Hello my name is XXXX, I recently went to XXXX XXXX to see my credit score as the only thing i ever did was have car insurance. I come to find out someone somehow using my identity. There are accounts opened 100 % not authorized by me as I never had a credit card. My cousin recommended this site for the best course of action. On XX/XX/2020 I tried to call XXXX  XXXX, XXXX XXXX, XXXX XXXX and explain to them this isn't me to try to find out what was going on and they said I have no proof. I have no idea who paid these bills how someone got these cards if maybe I'm being confused with a different person. Any help on this greatly appreciated. I had told them under the fair credit reporting act I had the right to know what was going on but they kept me giving me run around so I have these cards now filled with late fees and payments i do not owe and i did not authorize any of this. This is 1000000 % fraud. I am going to attach some files on here so you guys understand. Please help 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 explanation
Consumer complaint received 2020-07-16 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: MD

Complaint narrative:
In review of my Credit Reports, I noticed there were unauthorized inquiries listed. I never received correspondence that my credit was pulled using these sources and equifax did not have permission to furnish my report to these creditors listed below. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: NC

Complaint narrative:
I paid this company {$290.00} for a {$200.00} loan already back in XXXX of 2013, i transferred my job to a different Location in Virginia and lived in XXXX Virginia areas. They kept calling me and i told them stop it and paid them with my tax refund that year in 2013 and they're just harrassment in my emails and all. I lost my job due to covid19 and I refuse to pay them again. I don't have documents because I moved to many times. It has now negatively affected my credit reports and scores. I just want them to stop it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my credit card that I've had for 16 years with no warning due to in activity. hey would not allow me to reopen the card even if I charged something on it. I've never been late on any credit card payments and have an 800+ credit score. I also had a 7.9 % locked interest rate ( due to the Consumer Protection Act ) and I believe that is the real reason my card was closed. I want my card reinstated. I was waiting for a call back from B of A Director XXXX XXXX which has not happened yet.

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 2020-07-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted at least four different disputes to Equifax on the same three accounts and each time Equifax has responded stating that the three accounts have been verified. Equifax has failed to provide a detailed statement of how its investigation of my disputes were conducted and Equifax continues to report the three disputed accounts. I have no idea when Equifax made contact with the reporter of the three accounts. I have no idea how Equifax contacted the reporter of three disputed accounts. I have no idea of whom Equifax corresponded when it communicated with the reporter of the three disputed accounts to verify the information. Equifax is in violation of the Fair Credit Reporting Act because on at least four different disputes on the same three accounts, Equifax has refused to provide specific information on how it verified the accounts and Equifax is still reporting the three disputed accounts. I have had to have a lawyer to file a small claims lawsuit against Equifax. The case number is XXXX in the XXXX County Justice Court, Precinct XXXX, Place XXXX, XXXX County, Texas. My lawyer has has even reached out to Equifax 's lawyer and offered to dismiss the lawsuit if Equifax agreed to remove the three disputed accounts from my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My personal information was stolen and used to open several fraudulent accounts. I was not aware of these fraudulent accounts until given my credit report after trying to apply for an auto loan. I have reached out to all companies as well as credit bureaus, I have also filed a report with my local PD as well as submitting and ID theft affidavit with the FTC. The credit bureaus have refused to remove these fraudulent account that are showing on my credit reports. These accounts were not authorized by me.

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 2020-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
The company I am having a problem with is PayPal.On XX/XX/2020 I used paypal to pay for a pool from an online website. I never received the pool and I submitted a case to paypal who should cover this with their buyer protection policy. The seller did not respond to me in any way. PayPal apparently got tracking information and promptly closed the case. The tracking information is to the wrong address and there is no way for me to dispute their ruling nor to contact anyone at paypal. here is the details of the transaction : XXXX XXXX -negative {$99.00} XX/XX/2020 Payment Paid with {$99.00} XXXX XXXX XXXX {$99.00} XXXX XXXX XXXXYour backup is VISA XXXXShipped toXXXX   XXXX '' Address '' XXXX XXXX XXXX XXXX XXXX , WI XXXX United States Have you received this order? 
No Shipment Tracking XX/XX/2020, Sent by MANUAL Status : ShippedHave you received this order? 
XXXX XX/XX/2020, Sent by USPS Status : Shipped Transaction ID XXXX Seller infoXXXX   XXXX Purchase details XXXX   XXXX {$99.00} Item # 1 Total {$99.00} The information that Paypal has is correct and we had to call the USPS to find out where that tracking number went and it is not our address nor anyone that we know. Again Paypal has closed the case and does not alow a new case to be opened or any sort of dispute. In addition to this, when we XXXX the serllers website it has since been ID 'd as a scam ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXContract Callers Inc. - wrongful debt claim This is regarding an alleged outstanding balance of {$170.00}. I have disputed this balance several times with XXXX XXXX directly as well as with Contract Callers Inc. collections agency. I even pointed to XXXX XXXX XXXX own call recording which clearly confirms that I had NOT signed up for a service renewal in XXXX, as they falsely claim, which then I supposedly terminated prematurely hence owing the {$170.00} cancellation fee. 

Despite my repeated efforts to dispute this charge, and even by trying to have a XXXX XXXX call rep manager listen to that call recording, they still sent this wrongful debt to Collections anyway and reported to CRAs. This has tarnished my otherwise very good credit score/history and I am now unable to get a good interest rate on a new home mortgage. 

Just recently, I also disputed this bad debt record with XXXX directly, but to no avail since they tell me that XXXX XXXX is insisting that I owe this debt still. 

I will continue to pursue this wrongful debt to clear it from my record. My last resort would be a legal approach, but thought I'd try with CFPB first.

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 2020-07-16 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVE THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-16 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVE THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
Customer has an account with GM Financial. Customer inquired about Relief Program. Customer asked for assistance with his payments due to the coronavirus crisis in his state. On XX/XX/XXXX, customer called to be enrolled for the relief program. Customer was informed that he qualifies for the relief program because customer had never missed a payment since he signed the loan with GM Financial in XXXX of XXXX. Customer was approved for the enrollment and given a pin number to enter on GM Financial website. The GM Financial website system did not allow customer to log in and finalize the enrollment. 
I called on XX/XX/XXXX. I also called from XX/XX/XXXX to XX/XX/XXXX and was unable to speak to any of GM 's  representative. I send GM Financial a letter to notify them of their system failure explaining to them that their website is not allowing me to complete the enrollment. 

Customer sent another letter to GM Financial asking them to help with the enrollment and to correct the inaccuracies on my account statement in XXXX, XXXX. GM sent me letter about debt validation. Customer sent another letter clarifying that he did not ask for debt validation but was asking for assistance in completing the Relief program. 
Not once did I claim that I do not owe them. I have been making my payments, therefore, I accepted the debt. 
GM refused to assist me and instead sent me a letter dated XX/XX/XXXX, stating that : they are unable to proceed with my request because 1 ) sufficient information to identify the account such as account number, name address and telephone number were not provided 2 ) the specific information the customer is disputing 3 ) all supporting documentation or other information reasonably required was not provided. 
However, customer provided GM Financial with all that information. Is GM relief program or assistance during the coronavirus crisis a shell? Do they really want to help customers or hurt them during these vulnerable times or is it because of my last name? 
On XX/XX/XXXX GM had my vehicle repossess. I called their XXXX number to asked why they repo my vehicle. I was informed by a XXXX XXXX id # XXXX to pay {$2000.00} if I want my vehicle. What kind of unfair and deceptive practice that is not in alignment with consumer laws is GM Financial practicing?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-16 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: DISCOVER BANK
State: FL

Complaint narrative:
My personal information was stolen and used to open several fraudulent accounts. I was not aware of these fraudulent accounts until given my credit report after trying to apply for an auto loan. I have reached out to all companies as well as credit bureaus, I have also filed a report with my local PD as well as submitting and ID theft affidavit with the FTC. The credit bureaus have refused to remove these fraudulent account that are showing on my credit reports. These accounts were not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My personal information was stolen and used to open several fraudulent accounts. I was not aware of these fraudulent accounts until given my credit report after trying to apply for an auto loan. I have reached out to all companies as well as credit bureaus, I have also filed a report with my local PD as well as submitting and ID theft affidavit with the FTC. The credit bureaus have refused to remove these fraudulent account that are showing on my credit reports. These accounts were not authorized by me.

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