vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus last XX/XX/ requesting the investigation, verification and update of these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XXXX XXXX XXXX and I'm including it again. The following accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00}, must be updated to reflect accurate information on my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2022 I, the consumer and natural person, was denied credit by American Express when I applied for XXXX XXXX American Express Card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Express due to the response I received. American Express is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of American Express according to law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts DEPT OF EDXXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$5500.00} ), DEPT OF EDXXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$1400.00} ), DEPT OF EDXXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$460.00} ), DEPT OF EDXXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$3700.00} ), DEPT OF EDXXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$950.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$970.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$17000.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$3000.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$1400.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$1000.00} ), DEPT OF ED/XXXX ( Opened XX/XX/XXXX, Highest Balance {$500.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$20000.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$15000.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$3000.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$5000.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$7500.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$7700.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$5500.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$5500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: ADP Inc.
State: NV

Complaint narrative:
I started with my company on XX/XX/2022 and prior to starting I provided valid and correct direct deposit information. After the first pay period closed I was informed that my Direct Deposit information had changed I was later told by a member of the payroll team at my company that somehow XXXX couldn't verify my direct deposit which is a XXXX XXXX XXXXThey then opened a " WISELY '' payroll card account in my name and deposited my check to that account. They are now actively refusing to work with my employer to close out the unauthorized account or return the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
XX/XX/XXXX, car reposed by KIA Motors. After calling KIA for instructions on what was needed to get the car back. A cashier 's check was sent to KIA on XX/XX/XXXX, XXXX amount owed. My mom and I called KIA on XX/XX/XXXX, to get status update, we were told that even though it was cashier 's check they would have to clear it and due to holiday season it XXXX take some time. On XX/XX/XXXX, I called KIA, they told me the check had cleared. I would need to call to schedule an appointment with the XXXX XXXX XXXX in Maryland for my personal belongings and the vehicle auction house in Virginia to get my car since they had it moved to that location the week before. On XX/XX/XXXX I obtained an appointment from the XXXX XXXX in ( MD ) and auction location in ( VA ). On XX/XX/XXXX, I got my belongings from XXXX XXXX  and vehicle back auction location with additional separate fees from the XXXX XXXX to get my belongings back and additional fees to auction location to get my vehicle back. XX/XX/XXXX, I went to ( MD ) XXXX to get new tags, was told ( No Vehicle in My Name ) anymore no Title was it transferred to XXXX on XX/XX/XXXX. XX/XX/XXXX KIA sent me XXXX to get title. I returned the same day XXXX # XXXX XXXX received XX/XX/XXXX but when calling KIA, they said XX/XX/XXXX per phone call with them on XX/XX/XXXX. On XXXX sent it to XXXX, KY ( XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX via XXXX  XXXX. XX/XX/XXXX, called KIA twice for status update was told first time additional XXXX weeks for title and on XXXX call that day I ask for email record stating additional XXXX weeks for title with my father beside me they said they couldn't send me an email. My dad spoke to them too ( XXXX XXXX XXXX XXXXXXXX just said check back in approx. week. We can't give you any further information on our request. KIA rep said I already inquired on the XXXX of XXXX they sent a request in for update then. KIA still wants monthly payments but at same time inhibiting me from driving, I am requesting to see if any laws have been broken by requesting payment on something while still inhibiting the individual use at the same time thus effecting/hampering my employment options.

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 2023-01-12 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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

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 2023-01-12 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX upon signing for the vehicle I know that Americredit was the listed XXXX holder. Shortly thereafter I started to receive statements from Gm financial. My payment were a total of XXXXXXXX XXXX XXXX 

XXXX XXXX XX/XX/XXXX XXXX is listed on my Credit as an inquiry on XX/XX/XXXX. Americredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Gm financial I had financial hardship at the time where I made a paymenT arrangement with this company however, I was still waiting for my check as well as it would take a XXXX XXXX XXXX to processing to my bank account. 

XXXX thing is for-sure is why would this company contact me at XXXX XXXX XXXX XXXX stating to contact them immediately only to repossess the vehicle early in the morning the was at XXXX XXXX standard time XXXX I didnt see the email until the XXXX XXXX. I guess they work late on those XXXX because often times They were closed after a certain time. 

XX/XX/XXXX, I received an email at XXXX from GM financial telling me to contact them as soon as possible. I never saw the email until the XXXX XXXX when I walked outside and noticed the car was missing. So I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX that really didnt result to anything. Contacted Gm financial and gave me the instructions to get my vehicle which included going to the police stating and paying a fine and also having to go to XXXX XXXX to pick up my vehicle. However I noticed that the paperwork that I received in the mail stated the vehicle was located in XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Today, XX/XX/2023, I called Selene Finance LP, spoke with representative to follow up on my concern with letter I submitted to Selene on XX/XX/2023. 

Representative advised that on XX/XX/2023, when I called Selene that I did not agree with their Loan Modification Terms, Representative advised me to reapply. She explained that when I spoke to Selene this day they mailed me a new application and as of today, XX/XX/2023 I have not received any documents/application in the mail from Selene.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: DISCOVER BANK
State: TX

Complaint narrative:
I, a consumer and natural person, was denied credit by Discover when I applied for XXXX XXXX XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C XXXX. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Discover due to the response I received. Discover is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of Discover according to law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
I got a credit card at XXXX XXXXXXXX. I had previously purchased a membership there Using the senior discount for {$25.00}. I had never purchased this membership using this card. This past summer I did not plan to renew the card for a while as I was having major XXXX and would not be going there for sometime. However without my knowledge I was charged {$55.00} For a membership. I called the store and said I had not authorized this purchased and I also called Comenity Bank. I was told by BJs Wholesale that I had to come into the store. The credit card company was rude to me on the phone and refused To cancel it. Finally I was able to go to the store and cancel the membership and the card was credited the {$55.00}. I have since received two bills. Two late fees of {$40.00} And interest for a purchase I never approved. I do not have a membership as if was cancelled. I have contacted the store, corporate office, and bank in XXXX but no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was charged around {$0.00} for a transaction I did not make. I believe it was for XXXX. I called the number on the back of my XXXX XXXX, which is issued by Wells Fargo, and they were able to validate it was indeed a fraudulent transaction.

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 2023-01-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, account # ( s ) : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 and account without my written instructions

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