vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
on XX/XX/2024 I paid XXXX to XXXX XXXX to reenstate my car after it was reposessed on XX/XX/2024. I was told that an additional fee of XXXX needed to be paid on the day of car pick up and it was paid that day on XX/XX/2024. I was told by the reinstatement department that this will reinstate my account back to good standing and I would continue to make in-full on-time payments for the duration of my loan until paid off. My car note is due the XXXX of every month. on XX/XX/2024 I called the customer service line to make a payment on my car because my online account stated I have to call in for service. the custermer service agent told me I owe XXXX for this months payment. my payments are XXXX per month but was told that the XXXX covered a portion of my payment that month. I paid what she told me to pay over the phone and received no receipt or confirmation. The following month on XX/XX/2024 I called in to make my monthly payment and was told that my payment was {$930.00} and I paid it on the phone with the agent. I told the agent I received a notification on my XXXX XXXX app that my account had been charged off as of XX/XX/2024. I was confused because my payments were on time and in full and told by several agents that I owe nothing until the next month. they stated they didn't know why it was charged off since it was reinstated XX/XX/XXXX no payments had been missed and no money was owed. I was told they would escalate to management and I would get a call back. I never received a callback and I called Genesis Finance about the issue XXXX additional time and spoke with a client agent who told me they would escalate it and have management call because they were not able to get ahold of management. that was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and haven't received any correspondence, not through mail, email, or phone call. I have a charge off on my credit from a company that reinstated my account to active and took my money charged off without cause.

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 2024-05-28 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 2024-05-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I did not apply for no car loans the companies pulled my credit without my permission

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 2024-05-28 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: LA

Complaint narrative:
I did not apply for no car loans the companies pulled my credit without my permission

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 2024-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE FILED SEVERAL IDENTITY THEFT CLAIMS AGAINST THIS COMPANY AND THEY HAVE REMOVED IT FROM MY XXXX CREDIT REPORT, HOWEVER THIS COMPANY NEEDS TO BE REMOVED FROM BOTH MY TRANSUNION AND XXXX CREDIT REPORTS WITHIN 30 DAYS ALONG WITH PAYMENT REIMBURSEMENT FOR PAYMENTS MADE TOWARDS THIS ACCOUNT, ALL OF MY BANK ACCOUNTS HAVE BEEN CLOSED DOWN FOR ALMOST TWO YEARS, I HAVE BEEN EVICTED FROM MY HOME WITHOUT TRANSPORTATION, NO UNEMPLOYMENT BENEFITS NOR ANY OTHER SUPPORT AS I HAVE EXPLAINED IN THE PAST, IN ADDITION I HAVE NO JOB, NO FOOD NOR ANYTHING AND I NEED THIS COMPANY REMOVED FROM BOTH MY XXXX AND TRANSUNION CREDIT REPORTS ALONG WITH REPAYMENT FOR PAYMENTS THAT WERE MADE TOWARDS THIS ACCOUNT THAT DOES NOT BELONG TO ME AT ALL!!! I HAVE PROVIDED ALL OF THE DOCUMENTATION THAT I HAVE TO RESOLVE THIS MATTER!!! I AM TRYING TO GET EMPLOYMENT, A VEHICLE AND A HOME HAVING THIS ON MY PLATE HAS KEPT ME FROM DOING SO AND I AM ALSO REQUESTING {$150000.00} IN DAMAGES FOR FINANCIAL AND EMOTIONAL DURESS. I HAVE EXPLAINED TO THEM THAT ALL COMMUNICATION IS TO BE DONE VIA EMAIL AS I DO NOT HAVE A WORKING PHONE NOR RESIDENCE AS I HAVE BEEN HOMELESS, WASHING MYSELF IN PUBLIC PLACES OR MOBILE SHOWERS. I HAVE NO FAMILY OR ANY RESOURCES ALONG WITH NOT ONE PENNY IN MY POCKET AND I WILL BE FILING BANKRUPTCY UPON ANY FUTURE EMPLOYMENT. THE PERSON WHO STOLE MY IDENTITY ADMITTED TO STEALING MY IDENTITY AND RUNNING UP MY CREDIT REPORTS AND THAT PERSON IS CURRENTLY INCARCERATED ON A DOMESTIC XXXX CHARGE. I WILL KEEP ON COMPLAINING AND DISPUTING THIS MATTER UNTIL THIS IS REMOVED FROM BOTH CREDIT REPORTS AND ANY OTHER RECORDS. I AM DONE DONE PLAYING GAMES WITH THEM AND I WOULD NOT BE USING PROFANE LANGUAGE OR COMMENTS IF THEY HAD DONE THEIR JOBS THE XXXX TIMES THAT THEY HAVE BEEN ASKED TO AND UNDERSTOOD THAT I HAVE A RIGHT AS A CONSUMER TO EXPRESS MYSELF ALONG WITH ANY OTHER OPINIONS AND IF THEY CAN NOT HANDLE THAT THEY NEED TO FIND ALTERNATE EMPLOYMENT ALONG WITH A TOUGH SKIN!!!

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 2024-05-28 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:
I HAVE FILED SEVERAL IDENTITY THEFT CLAIMS AGAINST THIS COMPANY AND THEY HAVE REMOVED IT FROM MY XXXX CREDIT REPORT, HOWEVER THIS COMPANY NEEDS TO BE REMOVED FROM BOTH MY XXXX AND EQUIFAX CREDIT REPORTS WITHIN 30 DAYS ALONG WITH PAYMENT REIMBURSEMENT FOR PAYMENTS MADE TOWARDS THIS ACCOUNT, ALL OF MY BANK ACCOUNTS HAVE BEEN CLOSED DOWN FOR ALMOST TWO YEARS, I HAVE BEEN EVICTED FROM MY HOME WITHOUT TRANSPORTATION, NO UNEMPLOYMENT BENEFITS NOR ANY OTHER SUPPORT AS I HAVE EXPLAINED IN THE PAST, IN ADDITION I HAVE NO JOB, NO FOOD NOR ANYTHING AND I NEED THIS COMPANY REMOVED FROM BOTH MY EQUIFAX AND XXXX CREDIT REPORTS ALONG WITH REPAYMENT FOR PAYMENTS THAT WERE MADE TOWARDS THIS ACCOUNT THAT DOES NOT BELONG TO ME AT ALL!!! I HAVE PROVIDED ALL OF THE DOCUMENTATION THAT I HAVE TO RESOLVE THIS MATTER!!! I AM TRYING TO GET EMPLOYMENT, A VEHICLE AND A HOME HAVING THIS ON MY PLATE HAS KEPT ME FROM DOING SO AND I AM ALSO REQUESTING {$150000.00} IN DAMAGES FOR FINANCIAL AND EMOTIONAL DURESS. I HAVE EXPLAINED TO THEM THAT ALL COMMUNICATION IS TO BE DONE VIA EMAIL AS I DO NOT HAVE A WORKING PHONE NOR RESIDENCE AS I HAVE BEEN HOMELESS, WASHING MYSELF IN PUBLIC PLACES OR MOBILE SHOWERS. I HAVE NO FAMILY OR ANY RESOURCES ALONG WITH NOT ONE PENNY IN MY POCKET AND I WILL BE FILING BANKRUPTCY UPON ANY FUTURE EMPLOYMENT. THE PERSON WHO STOLE MY IDENTITY ADMITTED TO STEALING MY IDENTITY AND RUNNING UP MY CREDIT REPORTS AND THAT PERSON IS CURRENTLY INCARCERATED ON A DOMESTIC XXXX CHARGE. I WILL KEEP ON COMPLAINING AND DISPUTING THIS MATTER UNTIL THIS IS REMOVED FROM BOTH CREDIT REPORTS AND ANY OTHER RECORDS. I AM DONE DONE PLAYING GAMES WITH THEM AND I WOULD NOT BE USING PROFANE LANGUAGE OR COMMENTS IF THEY HAD DONE THEIR JOBS THE XXXX TIMES THAT THEY HAVE BEEN ASKED TO AND UNDERSTOOD THAT I HAVE A RIGHT AS A CONSUMER TO EXPRESS MYSELF ALONG WITH ANY OTHER OPINIONS AND IF THEY CAN NOT HANDLE THAT THEY NEED TO FIND ALTERNATE EMPLOYMENT ALONG WITH A TOUGH SKIN!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NY

Complaint narrative:
I have reached out to XXXX XXXX XXXX and asked them to verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). I asked them to treat my letter as a formal dispute and to refrain from reporting this debt and request for verification, pursuant to 15 U.S.C 1692 ( b ) which was received on XX/XX/XXXX ( photo attached ). They also stated that if I write them by XX/XX/XXXX they would stop collection on any amount I disputed until they send me information that shows I owed a debt ( photo attached ). On XX/XX/XXXX they added this to my report. I have yet to record confirmation of any debt as of yet. Also this is a collections account which was sold to a third party which I never gave consent to violating the privacy act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-05-28 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: CA

Complaint narrative:
I've been a victim of identity theft. I've sent an XXXX  report and police report. I have not been provided with any proof of an investigation. All the fraudulent accounts on my credit report, reporting a fraudulent address. 
The Credit reporting agencies received a copy of my police and XXXX report about 60 days ago, and no real investigation has been conducted by their end. i clearly reported that the address reporting on my credit report is fraudulent, that was used to get cards under my name without my knowledge. I need your help to make them to serve their purpose.

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 2024-05-28 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: CA

Complaint narrative:
I've been a victim of identity theft. I've sent an XXXX report and police report. I have not been provided with any proof of an investigation. All the fraudulent accounts on my credit report, reporting a fraudulent address. 
The Credit reporting agencies received a copy of my police and XXXX report about 60 days ago, and no real investigation has been conducted by their end. i clearly reported that the address reporting on my credit report is fraudulent, that was used to get cards under my name without my knowledge. I need your help to make them to serve their purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: OH

Complaint narrative:
I sent this another complaint asking for help requesting that credit bureaus to reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date credit bureaus have failed to respond to my request. 

XXXX XXXX XXXX : {$19000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for 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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Unable to Access Dispute Results Online - Request for Official Response Complaint : I am writing to formally lodge a complaint against the credit bureau regarding issues accessing my dispute results online. 

Issue Description : I have previously filed complaints through the Consumer Financial Protection Bureau ( CFPB ) regarding my inability to view real-time credit scores, sometimes file disputes on the credit bureau website , and dispute results on the official websites of the credit bureau XXXX Despite these complaints, the issue remains unresolved. 

I am getting emails saying your dispute results are available " see online '' but " I can't see them online. '' Request for Resolution : I request that the credit bureau provide the results of my disputes through one of the following methods : Replying to my CFPB complaint with the dispute results. 
Officially emailing me the dispute results at XXXX. 
On their website after fixing the errors. 

Verification of Identity : I am attaching my documents to verify my identity. These documents have been provided multiple times, and I request that they be added to my file for reference. 

Previous Attempts : I have made prior attempts to resolve this issue directly with the credit bureaus. Yet, I have not received any resolution or meaningful response to my inability to view dispute results and real-time credit scores online. 

Given the critical nature of credit reporting and its impact on my financial well-being, I urge the credit bureau to take immediate action to resolve this issue. I look forward to a prompt response and a satisfactory resolution. 

Attachments : Personal identification documents ( as previously submitted ). 

Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Unable to Access Dispute Results Online - Request for Official Response Complaint : I am writing to formally lodge a complaint against the credit bureau regarding issues accessing my dispute results online. 

Issue Description : I have previously filed complaints through the Consumer Financial Protection Bureau ( CFPB ) regarding my inability to view real-time credit scores, sometimes file disputes on the credit bureau website , and dispute results on the official websites of the credit bureau XXXX Despite these complaints, the issue remains unresolved. 

I am getting emails saying your dispute results are available " see online '' but " I can't see them online. '' Request for Resolution : I request that the credit bureau provide the results of my disputes through one of the following methods : Replying to my CFPB complaint with the dispute results. 
Officially emailing me the dispute results at XXXX. 
On their website after fixing the errors. 

Verification of Identity : I am attaching my documents to verify my identity. These documents have been provided multiple times, and I request that they be added to my file for reference. 

Previous Attempts : I have made prior attempts to resolve this issue directly with the credit bureaus. Yet, I have not received any resolution or meaningful response to my inability to view dispute results and real-time credit scores online. 

Given the critical nature of credit reporting and its impact on my financial well-being, I urge the credit bureau to take immediate action to resolve this issue. I look forward to a prompt response and a satisfactory resolution. 

Attachments : Personal identification documents ( as previously submitted ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: PA

Complaint narrative:
I am writing to urgently address an ongoing issue regarding the collection accounts that remain on my credit report despite its settlement and for being unauthorized :

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 2024-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: FL

Complaint narrative:
XXXX loancare contacted 5 times for request to provide information regarding what mortgage assistance program I was enrolled in during the following time frame { XX/XX/XXXX through XX/XX/XXXX. 
XXXX Loancare has only been able to provide information for forebarance and partial claim information in prior to dates listed and after. I am requesting records for what type of assistance I was receiving { ex. hardship, forebarance, covid 19 disaster, natural disaster, ect. } each month, for the time frame provided { XXXX }. 

Loancare has been unable to provide this information for all of the months being reported on my record as late and I have attempted to receive my payment assistance record by phone, through webpage records request. I was told per several representatives, this intormation, for XXXX is unable to be obtained or is unable to be accessed. 

Please assist Thank you, 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 explanation
Consumer complaint received 2024-05-28 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation