vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
HI, I WAS SICK WITH XXXX  AND XXXX  DAYS LATE ON MY XXXX CREDIT CARD PAYMENT. I IMMEDIATELY PAID IT. I ALWAYS MAKE MY PAYMENTS ON TIME OR BEFOREHAND EVERY SINGLE MONTH. THEY CHARGED ME A FEE AND REPORTED ME TO THE CREDIT BUREAUS FOR XXXX  DAYS LATE WHEN I HAVE ALWAYS BEEN ON TIME. I ASKED THEM TO REMOVE THE MARK ON MY CREDIT REPORT AND I WAS SENT A LETTER STATING THAT THEY WILL NOT REMOVE IT. 

I WANT IT REMOVED FROM 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 2023-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
A debt collection company by the name pf Phoenix Financial Services has placed an open account on my credit report on XX/XX/XXXX. In my research this stems from an ambulance bill. The service date was XX/XX/XXXX, I almost lost my life this day. The ambulance bill was taken care of by or should have been taken care of by the Texas XXXX XXXX XXXX XXXX, as well as my employer XXXX XXXX XXXX XXXX who had also insurance through XXXXXXXX XXXXXXXX. This was a work related incident. The originator of this bill was XXXX XXXX XXXX, hence XXXX. My credit score is now destroyed, prior to this collection that appeared out of nowhere, showed my credit report with good and exceptional credit. This fraudulent and erroneous collection that was placed on my XXXX score caused a plummet of XXXX points. I have disputed this with the 3 credit agencies, XXXX, XXXX and XXXX and deeming this as identity theft. The Workers Compensation is also reviewing as well and my pervious Employer, XXXX XXXX XXXX XXXX and XXXX XXXX. This company Phoenix Financial should have never put this on my credit report as a collection. This company according to complaints with XXXX and yourself is destroying peoples credit and life. Please investigate to close this company for continuing to destroy peoples credit with placing false collections of peoples credit report. They need to delete from credit report and reinstate the score prior to this fraudulent collections. How are they able to get away with identity theft and place it on someone's credit. This is clearly with so much evidence a workers compensation claim. If there are any one fighting to get their name cleared from these false collections, please share and help us fight so no one else is destroy by Phoenix Financial Services-Collection Agency .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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:
In accordance with the Fair Credit Reporting act. The Listed account as fellowed has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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.

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 2023-03-21 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:
In accordance with the Fair Credit Reporting act. The Listed account as fellowed has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint against BECU for Unjust CPI Charge Dear Sir/Madam, I am writing to file a complaint against BECU regarding their unfair imposition of a CPI charge on my Auto Loan XXXX. I believe that their actions are not only unjust but also highlight a lack of due diligence and responsibility towards their customers. 

Firstly, BECU failed to update my address correctly, leading to me not being informed about the additional insurance requirement. As a result, a CPI charge was added to my account. BECU denies responsibility for this oversight and has added {$10000.00} to my auto loan principal balance without proper notification. 

In a recorded conversation with BECU representative, XXXX, she admitted that BECU did not verify the required documentation before issuing my auto loan. This negligence has resulted in a 40 % increase in my monthly auto loan payments, causing significant financial strain. BECU has demonstrated an unwillingness to work with customers and address these issues. 

Even after providing proof of insurance to BECU, they have refused to refund the unwarranted CPI charge. I believe their actions are not in accordance with fair banking practices and require immediate attention from the Consumer Financial Protection Bureau. 

I request your assistance in investigating this matter and ensuring that BECU takes appropriate steps to rectify the situation, remove the unjust CPI charge, and adjust my auto loan balance accordingly. I appreciate your prompt attention to this matter and look forward to a fair resolution.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I've received an email on XXXX  XXXX 2023 that mentioned my new account was open and I just noticed it when I got an email this morning with an account statement ready to view. This was from Citizen Bank. I do not have an account with then and this is a case of identity fraud, someone used my name, birthday and ssn to open a savings account. I finally got ahold of someone from customer service but all they did was take my info and inform me they sent a request into their fraud department. They told me I couldn't call them directly or even close the account right away so now I have no idea if the fraudulent account is still open or by whom. They were not helpful and seemed to not care it was identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: TX

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. 
Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name XXXXXXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX  Account Number XXXX Account Name XXXX XXXXXXXX XXXX  Account Number 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: Experian Information Solutions Inc.
State: TX

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. 
Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF EDXXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX  Account Number XXXX Account Name XXXX XXXXXXXX XXXX Account Number 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 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.

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 2023-03-21 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: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I paid my Kia lease off early and they have been reporting me as charged off/judgment for 2 years.

I turned my XXXX XXXX lease in early XX/XX/XXXX the same day we bought my new XXXX XXXX. ( They documented my grounding receipt for XX/XX/XXXX ) The XXXX lease was scheduled to end XX/XX/XXXX. I made a final payment of {$1300.00} on XXXX, XXXX, XXXX to close out the lease thru XX/XX/XXXX. I was waiting for the final statement, taxes etc if any. I tried calling them 2 weeks later and they had no receipt of the car for months. XXXX XXXX XXXX lost the car. 
Finally in XXXX XXXX XXXX I received a letter stating I owed them taxes etc at {$840.00} and I paid that XX/XX/XXXX and received a paid in full letter. 
I only noticed this recently when I was refused a credit card offer and the explanation was due to a charge off on the account. When I called XXXX, the automated system stated I had just made a payment of {$840.00} on XX/XX/XXXX! My last payment to them was on XX/XX/XXXX. 
They are also reporting that I paid monthly from XXXX and made monthly payments. I did not as I paid upfront to end the lease on XX/XX/XXXX and was waiting for the final bill. They are not reporting me as paid early and paid in full. 
The grounding receipt is wrong as I grounded it the same day I bought the XXXX XX/XX/XXXX and NOT XX/XX/XXXX. 
This is costing me money because I can not refinance my home unless this is remedied, this is also causing me emotional stress as I have complained and called the company who does not care to remedy 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 2023-03-21 00:00:00
Product: Vehicle loan or lease — Lease
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: VW Credit
State: NC

Complaint narrative:
In an attempt to purchase my leased Audi vehicle, I sent a certified check for over {$27000.00} along with the necessary documentation via XXXX First Class Mail and Fax per the instructions on the documentation to the cost of {$11.00} on XX/XX/2023. Per the successful transmission record from the fax machine, those documents were received same-day. Per the XXXX tracking information, delivery of the certified check and other documents occurred at Audi Financial Services ( XXXX ) office in XXXX, IL, on XX/XX/XXXX at XXXXXXXX XXXX. After hearing nothing regarding my request to purchase, I called XXXX on XX/XX/XXXX to inquire about status. I was told by the representative that they had everything they needed, and the documents and payment were recorded into their system on XX/XX/XXXX. Representative let me know that it usually takes about five ( 5 ) weeks to receive the title at my home address. On XX/XX/XXXX, I received a letter from XXXX at my home address stating that they did not have all of the necessary documentation to complete my request to purchase and can not proceed with the documents. On XX/XX/XXXX, I again called XXXX to inquire about the letter. The representative stated that they did not receive my faxed documents and the previous representative must be mistaken. I provided the date faxed and number from which they were sent, and the representative stated that she found them and they had just been sitting there un-entered. I requested that, since they had the documentation all along, and I was mislead for weeks at this point, if my title can be rushed and then sent via XXXX to my home instead. Representative said she got permission to do so. The following week, I received yet another letter at my home stating that documentation was incomplete. For the third time, I called XXXX on XX/XX/XXXX to ask yet again about the letter and to check that everything had been received. Representative confirmed and said to ignore the letter. She then stated that the title department is very backed up and there's no way to know when I'll get my title sent to me, but they would provide a XXXX tracking number once available. It has now been over six weeks since I mailed the $ XXXX check and all documentation to XXXX and the promised XXXX weeks since being entered into their system. I have reason to believe that they have lost the title to this vehicle and are having to file for a lost title and wait for it to arrive before they can sign off and send to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 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:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX : XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XX/XX/XXXX XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XXXX/XXXX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE, DAMAGING TO MY CHARACTER, and also fraudulent. To date, I have not received results of the requested re-investigation. In my previous request, I listed my reasons for disputing the information. Those reasons included making sure that the information being furnished was accurate. Neither credit reporting agency has been able to prove accuracy and completeness of their reporting on my personal credit reports. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Please see my reasons for dispute below : Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : CXXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX All the listed accounts are in violation of my consumer rights with regards to my consumers right to privacy. This harmful public information is placing my life and the lives of my family in danger. Please remove these negative, harmful and fraudulent accounts from my report. I just want to live free as God intended. Violations so far- 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I also understand that you are required to notify me of your results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: VA

Complaint narrative:
I disputed the following information below contained in the attached files with XXXX, EQUIFAX, AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. EQUIFAX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to request that you correct inaccurate information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with accuracy and fairness, and I request that you investigate and correct the following inaccuracies on my credit report : Name : The following name is incorrect and should be removed : XXXX, XXXX XXXX, XXXX XXXX, XXXX Also Known As : XXXX XXXX The correct name is : XXXX XXXX XXXX Generational Identifier : Year of Birth : XXXX Addresses : The following addresses are incorrect and should be removed 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following address should be added : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX Employers : The following employers are incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employer should be added : XXXX XXXX Please investigate these inaccuracies and correct my credit report as necessary. Failure to correct inaccurate information would be in direct violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation