vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
I leased a XXXX Kia XXXX and it was stolen and considered a total loss in XXXX of XXXX. My insurance company ( XXXX XXXX ) paid out the total amount owed to the insurance company ( {$20000.00} ) and cut me a check for the remainder minus deductible. A few months later I began getting letters and calls from Kia Finance America stating that I owed them {$670.00} for " Primary Insurance Deductible ''. I called my insurance company and they stated that this should not be so and they emailed me a copy of the Letter of Guarantee in which Kia would release the title and claims to the vehicle following payment of {$20000.00}. The insurance company reached out to Kia but was unable to get any answers from them. Several months later they reported to the credit bureaus a charge off on my account of {$670.00}, which dropped my hard earned score 100+ points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple & repetitive derogatory marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple & repetitive derogatory marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear CFPB, I find it unfair that the XXXX consumer reporting bureaus are reporting an account that was once marked as 'Current ' on my XXXX credit report. However, in XXXX, they suddenly tagged it as 'CLOSED ' and 'LATE ' account. 

I don't understand how they processed their investigation, leading to the sudden addition of a late payment remark on these accounts, especially when I was never late with my payments. 

Due to their improper investigation of my credit report, I demand that they must promptly remove these accounts or update them to current status. 

XXXX, Account # : XXXX XXXX Account # : XXXX I have attached all the necessary proof in this complaint. Kindly assist me in updating my credit report to reflect the current status, correcting the inaccurately reported 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear CFPB, I find it unfair that the XXXX consumer reporting bureaus are reporting an account that was once marked as 'Current ' on my XXXX credit report. However, in XXXX, they suddenly tagged it as 'CLOSED ' and 'LATE ' account.

I don't understand how they processed their investigation, leading to the sudden addition of a late payment remark on these accounts, especially when I was never late with my payments. 

Due to their improper investigation of my credit report, I demand that they must promptly remove these accounts or update them to current status. 

XXXX, Account # : XXXX XXXX, Account # : XXXX I have attached all the necessary proof in this complaint. Kindly assist me in updating my credit report to reflect the current status, correcting the inaccurately reported accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX  card account is incorrect it should reflect a XXXX dollar balance buts its showing a balance of XXXX which is incorrect please remove this and please update the correct balance that should have never been reported bc the account has been paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I requested the highest available standard to date of debt validation to be performed on this account. The findings of that reinvestigation and the furnishers contact information. I also requested the original contract containing my signature, All charges payments, invoices charge slips, and promissory notes to improve my indebtednedness or any other document pertaining to this account. Nothing has been provided. XXXX has already removed this item from my credit report, I request that XXXX and EXPERIAN follow suit. The law clearly states that any item that can not be verified to be 100 % accurate or is found to be Incomplete must be DELEATED NOT UPDATED!!!! I request the immediate deletion of this item from my credit report. I have been disputing this item for over XXXX months and the damage that it has caused is irreversible. By law XXXX has thirty days to respond to my Request and provide me with these requested doccuments or the account must be deleted. Original contact was made on XX/XX/2024 with proof of delivery by certified mail. Again I request the IMMEDIATE DELEATION of this account from my Experian XXXX XXXX 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 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023 I made an online balance transfer with a Citi bank card to be received by XXXX so that I could avoid the high APR rate. It took some time for the transfer to go through and when it finally did, I noticed that my XXXX account had not been paid. I immediately reached out to Citi bank only to be told that indeed by transfer had gone through and XXXX XXXX  had received the funds. Unfortunately, that is not by bank. It's been a over a XXXX  and many a phone calls and heartaches. I have visited local branches of Citi and XXXX XXXX  with the information that Citi provided me with. They claim that I made the transfer and that it is my mistake because according to them I entered the wrong account number. I find it hard to believe that I entered XXXX numbers wrong and that those numbers would match the expiration date and that the security number would match. I now find myself paying my XXXX card and the Citi card. I am at my wits end.

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 2024-02-13 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: CA

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.

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 non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to follow up on my ongoing dispute regarding a collection item that is being reported exclusively by TransUnion on my credit file. As of my last communication, this matter remains unresolved, and I am increasingly concerned about the impact it is having on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I had multiple unrecognized soft inquiries that I had noticed after running my annual credit check. XXXX XXXX and Experian ran credit checks every month last year multiple times throughout the month, and even multiple times per day. I also have a soft inquiry from XXXX XXXX  on XX/XX/XXXX. I have a soft inquiry from XXXX on XX/XX/XXXX, and XX/XX/XXXX. I also received a letter stating that there was an unauthorized disclosure of my personal information that had occurred between XX/XX/XXXX and XX/XX/XXXX. It was leaked by XXXX which is a cyber security firm that contracts with XXXX, XXXX ( " XXXX '' ) to provide a secure file transfer software called XXXX. XXXX is a professional services company that provides services to hospitals and clinics affiliated with XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ). As a result, I have concerns that my personal information has been leaked and someone may be using my social security number for anything or running strange credit checks causing inquiries since I do not recognize many inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My loans were transferred from Great Lakes to Nelnet during the pause on federal loan repayment. Nelnet has now had my loans for almost XXXX year. On the Nelnet website, underneath the " payment schedule '' section of the website that should show me the current rate at which my loans will be repaid, as Great Lakes always showed, I get the following error message : " Due to your loan status ( for example, your loan recently transferred to Nelnet, or you haven't entered repayment ), your payment schedule has not yet been generated. '' Nelnet has had a year to generate this information but has failed to do so. My first communications with Nelnet are around XX/XX/XXXX, so they aquired my loans prior to that date. I've repeatedly raised this lack of payment schedule information with Nelnet and no one can give me any information. In addition, they continue to make mistakes with processing my loans. My XXXX, XXXX loan payment was only applied to a single loan, rather than across my loans, and I only realized because I got an alert on XXXX that my loan balance had increased. Additionaly, continues to " accidentally '' advance my payment date although I have repeatedly asked them not to and have had to call and correct this. When I called Nelnet, the customer service person told me that " accounting had made an error. '' Obviously by misapplying my loan payments, there is a financial benefit to Nelnet ( my other loans will capitalize ). Then, I got a notification that Nelnet is transferring my loans to something called " XXXX XXXX. '' When you XXXX this company, it doesn't even have a real website. It says " website coming in XXXX. '' The customer service agent at Nelnet told me that this is a commercial loan servicer and she didn't understand why my loans would be transferred there. It seems like Nelnet is entirely underwater with these loans they received and are entirely unable to handle processing them, and are now transferring them elsewhere without ever providing any of services they needed to provide us. Great Lakes was significantly more capable than Nelnet has been so far. I am seriously concerned about the risk of fraud given the transfer to XXXX XXXX and the " accounting errors '' and lack of information available on Nelnet 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: VA

Complaint narrative:
On this matter Transunion has been notified in various ways of my rights to privacy, and the laws applicable through mail, numerous telephone calls, Affidavit, but have continuously ignored and used tactics to not remove requested items that XXXX, XXXX have removed. Even after being informed that a certain creditor which is attached to in documents XXXX XXXX XXXX XXXX, was using various names creating inaccuracies on my consumer report, I was ignored and tactics were used to not remove this item and other items which should have been removed. Now because of my rights to privacy being violated, I have been receiving threatening/ harassing correspondence 's from two different 3rd party debt collectors using the inaccurate names that caused this creditor to be removed from other two consumer reporting agencies. who now have my personal non - public information, with my express written consent, and without a contract for the two 3rd party debt collectors that gives them consent to do so, which should of been removed, but who paid Transunion extra money to keep on my consumer report even though by the law, it should have been removed for inaccuracies. My right to privacy has not been protected, and it needs to stop right now, and be corrected. A copy of all documents were also mailed to certified mail USPS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my 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 2024-02-13 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.

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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UMB FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Over 40 days ago {$3.00} charge on my card that was fraud From Texas. Called cc and thought all was taken care of ..received overdue bill for the {$3.00} plus small late charge. I called them 4 times and was disconnected every time. Did talk to 3 different people. This is effecting my 800+ credit score. Due to there incompetence. Have request they call me to fix this with 2 emails. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: IL

Complaint narrative:
To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Somebody requested an capital one credit card under my name but it was fraudulent. I've called them and put in a fraud claim. The process was stopped. The background check came up on my credit report that's why I asked about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: IL

Complaint narrative:
To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.

Company response to consumer: Closed with non-monetary relief