vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
In XX/XX/XXXX, I purchased my vehicle from Hyundai Motor Finance at the end of the lease. At the time of the sale I was living in Massachusetts. The sale price that I paid was {$11000.00} + {$1000.00} sales tax. When I finally received the title 3 years later in XXXX I had just moved to XXXX, Texas. Hyundai Motor Finance sent the original title signed over to me, not a new title in my name. 

In XXXX, I flew back to Massachusetts to transfer the title into my name. The Massachusetts XXXX stated that they had no record of the sales tax paid to them by Hyundai Motor Finance. I requested evidence of the sales tax payment from Hyundai Motor Finance in XX/XX/XXXX, XX/XX/XXXX ( twice ), and XX/XX/XXXX ( four times ). On all occasions, I was told the evidence would be sent, but have not received anything. 

I am unable to transfer the title into my name and therefore have been unable to sell or trade in my car for several years. Hyundai Motor Finance negligence and misconduct has cost me thousands of dollars in travel to XXXX  from Texas as well as maintenance on my car that I can not sell or trade in.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-29 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: CA

Complaint narrative:
I am writing to bring to your attention an issue regarding unauthorized inquiries on my consumer report. Upon reviewing my report, I discovered several inquiries that I did not authorize. Despite my efforts to resolve this matter directly with the company, I have not received a satisfactory response. 

As per my understanding, credit reporting agencies are required to provide accurate information. However, the presence of these unauthorized inquiries on my report suggests otherwise. 

I respectfully request that the Consumer Financial Protection Bureau conduct an investigation into this matter. If, upon completion of your investigation, there is no verifiable evidence that I initiated these inquiries, I request that you take the necessary steps to remove them from my consumer report. 

Thank you for your attention to this important matter. I appreciate your assistance in resolving this issue.

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 2024-04-29 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:
I am writing to bring to your attention an issue regarding unauthorized inquiries on my consumer report. Upon reviewing my report, I discovered several inquiries that I did not authorize. Despite my efforts to resolve this matter directly with the company, I have not received a satisfactory response. 

As per my understanding, credit reporting agencies are required to provide accurate information. However, the presence of these unauthorized inquiries on my report suggests otherwise. 

I respectfully request that the Consumer Financial Protection Bureau conduct an investigation into this matter. If, upon completion of your investigation, there is no verifiable evidence that I initiated these inquiries, I request that you take the necessary steps to remove them from my consumer report. 

Thank you for your attention to this important matter. I appreciate your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The XXXX XXXX XXXX destroyed me personally as well as my business. I never requested any free money through the XXXX program or through unemployment insurance payments. My business was shut down, out of business for two full years. Your financial institution received millions of dollars for offset losses from either XXXX funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a 1099C in exchange for the write-off. I see no other way out of my situation other than a XXXX  XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX  Consumer Financial Protection Bureau1700 G Street XXXX, XXXX XXXX Dear Consumer Financial Protection Bureau XXXX Subject : Formal Complaint Against Equifax for Non-Compliance and Negligence in Credit Reporting I am writing to file a formal complaint against Equifax for their failure to correct inaccuracies in my credit report despite multiple requests and provided documentation confirming the errors. This negligence has significantly affected my credit score and overall financial standing. 

XXXX. Incorrect Account Entries : Despite clear evidence and repeated notifications, Equifax has failed to remove erroneous entries associated with XXXX XXXX  and XXXX  XXXX accounts from my credit report. These accounts were never opened or authorized by me. 
XXXX. Inaccurate Address Listings : Equifax continues to list multiple incorrect addresses on my credit report. My only current and correct address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. This error has been pointed out numerous times without resolution. 
XXXX. Unauthorized Credit Inquiries : Equifax has not taken action to block unauthorized credit inquiries from entities such as, request an immediate block on all inquiries from the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX as these inquiries were not authorized by me. despite my explicit request to do so The persistence of these inaccuracies despite my efforts to correct them suggests a systemic issue within Equifax regarding data management and consumer rights protection. This failure not only undermines my financial health but also exposes a lack of adherence to the Fair Credit Reporting Act ( FCRA ), which mandates prompt and accurate correction of credit report errors. 

Given the severity of these issues and Equifaxs continued negligence, I request the CFPBs immediate intervention to ensure that my credit report is corrected and that Equifax adheres to the legal standards set forth by the FCRA. I am prepared to provide all necessary documentation and correspondence that substantiate my claims. 

I appreciate your attention to this serious matter and look forward to your swift action to rectify these ongoing issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-29 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: GA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had received an interest charge of {$48.00} which prompted me to call synchrony bank. I asked the person to remove the charge and inform me of how much I would need to pay monthly to avoid another interest payment. She informed that she could not remove the interest charge, as it was past 30 days. She informed that paying XXXX XXXX monthly would avoid further interest. Additionally, I requested that my statements be sent to me through mail I can avoid a " surprise '' interest charge. This month my statement arrived and showed interest cost of {$510.00}. I called immediately and was hung up twice by someone in what seemed to be out of county. Finally, I reached a person and he informed me that my promotion had ended, as it ran for a year, and that I was responsible to pay the remainder of the cost to avoid the penalty. I informed that my statement is confusing and does not specifically inform on the statement the date that interest will begin being accrued. I explained this to the customer representative and he did not provide an adequate response, as I still do not know where to find the information of what will need to be paid monthly to avoid paying interest fees. Ultimately, I paid the overall charge of XXXX, which was a burden but a better option than paying a high interest. Can you please help in forcing this company to provide a statement that is clear in informing when interest charges will begin accruing.

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 2024-04-29 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: OH

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief
Consumer complaint received 2024-04-29 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AR

Complaint narrative:
I took out a line of credit loan from Netcredit in XXXX XXXX XXXX. I am a XXXX veteran that gets paid XXXX  monthly and on their contract it clearly states that if you're paid XXXX a month then you're billed once monthly. From the beginning of my repayment Netcredit was billing me twice a month. I called in when the very first billing from Netcredit showing me being billed twice a month and reminded them that I was paid once monthly and should only be bille once a month. They asked if I to move the second payment of that months payment to later and of course i said yes. But I was stilled being billed twice a month and had to ask for payments to be changed again so that I would only be billed once in each month. So now still in XX/XX/2024 they are still trying to bill me bi weekly for this month and threatening to report me late if I don't pay twice this month. 

Netcredit is responsible for this problem and they're trying to lay it on me. I have a copy of their contract that states the billing and also copy of my pay that's on their they site but they refuse to remove their errored second payment scheduled for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX Account # : 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. 

ALSO, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

ALSO, The list of unauthorized inquiries below, XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX OF XXXX Inquired on XX/XX/XXXX Ive noticed on my report. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX Account # : 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.

ALSO, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

ALSO, The list of unauthorized inquiries below, XXXX. XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX Ive noticed on my report. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from 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 non-monetary relief
Consumer complaint received 2024-04-29 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: GA

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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-04-29 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: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
In XXXX of this year, I applied for a deferment on my monthly mortgage payments ( {$1000.00} ) due to a short-term XXXX hardship. I had XXXX XXXXXXXX on XX/XX/2024, with a XXXX to XXXX weeks recovery period. As requested by South State Bank, all documents required for a deferment were filled out and submitted in a timely manner. 
I was denied my request. I appealed the denial and was later denied again. During this whole process, I have been given conflicting and inaccurate information by the XXXX XXXX XXXX Loss Mitigation department. For example, I was told by a representative of the Loss Mitigations support department to request a second appeal by explaining discrepancies in the XXXX date and my return-to-work date. I later found out that the rejection of my appeal had nothing to do with the XXXX and back-to-work discrepancies, but it was due to my paperwork had not been sent in a timely manner. 
During this time, I have had another injury when tearing the XXXX around my XXXX XXXX which added up to another XXXX-weeks recovery on top of the XXXX weeks recovery from my XXXX. I have not even been able to relay this information to South States Loss Mitigation department because I have not been able to resolve the first request. 
From the very onset of this process, I have been asked to submit the same paperwork repeatedly, I been getting statements sent to me regarding foreclosure from the beginning, I have been provided inaccurate information, late payments have been reported on my credit report and I have been receiving calls repeatedly to my home by their collections department. I the meantime, I am now XXXX months behind going on XXXX months on my mortgage payments with no resolution in sight.

Company response to consumer: Closed with explanation