vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/22 because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I assume that because my mailing address is different than my current address that may have been the issue, but I am not sure. I will include a copy of my ID with the address that matches the letter I submitted regarding the company NCA that is reporting incorrect information to the credit bureaus. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, NCA is reporting that I have a collection with them, and I have never been in communication with this company. They were notified twice to validate this debt that is reporting on my credit report, but they have failed to do. The first notice was sent XX/XX/22 and the last letter was sent on XX/XX/XXXX. I will include the letter as well as the time stamp. Please conduct a proper investigation and remove this account. Lastly, this collection agency is reporting a different balance than what I have with the original creditor. Please provide proof of your right to own/collect this alleged debt and balance claimed including all fees, interest and penalties. Provide me of the amount of which the debt was purchased, per the CFPB, I have this right as a consumer. Also include a contract bearing my personal signature. My email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IN ACORDANCE WITH THE FAIR CREDIT CREIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 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 have 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 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
THIS CAR PAYMENT WAS ALWAYS MADE ON TIME, HYUNDAI FRAUDULENTLY TOOK THE CAR OUT OF MY NAME AND CHARGED OFF MY LOAN WHEN EVERY PAYMENT WAS MADE ON TIME. THIS IS IDENTITY THEFT. AND THS COMPANY DID NOT GIVE ANY DISCLOSURES AND IS IN VIOLATION OF THE GRAMM LEACH BLILEY ACT SEE ATTACHMENT

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 2022-11-17 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: NJ

Complaint narrative:
My dispute is with Transunion only who seems to be the only credit bureau inaccurately reporting on my credit report. On XX/XX/2022 I submitted a dispute to validate and verify this collection account, XXXX XXXXXXXX XXXX, for it was an account I did not recognize. Dispute results came back on XX/XX/2022 with no corrections made and continues to reflect on my credit report. First, I do not believe TransUnion maintained reasonable procedures to assure maximum possible accuracy in my credit report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. In addition to disputing the validity of this collection account, TransUnion is reporting this collection account as an " OPEN ACCOUNT '' which is not under FRCA compliance. 
I would appreciate if this matter be investigated further.

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 2022-11-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted various request for Trans Union to remove fraudulent inquiries from my credit report. I have supplied all identity theft documentation requested and these fraudulent inquiries have not been removed. My most recent request was made XX/XX/2022. Its now been 5 weeks and there has been no change or even notification of dispute or request for this information to be blocked. 
Section 605 B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) states that I can request fraudulent information be blocked from my credit file within 4 days of receipt.

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I asked the latest escrow statement to Santander bank.

They promised to send it via regular mail a month ago but I never received.

All other banks provide that simple letter almost instantly but Santander is not sending what I need. this is really frustrating and don't know how to get the document i need from Santander bank.

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 2022-11-17 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: GA

Complaint narrative:
Equifax, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transactions are not information related to any transaction by me the consumer. 

DELETE OR BLOCK THE FOLLOWING INQUIRIES : XXXX, XXXX, XXXX XXXX, XXXX XXXX 

Equifax you are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: NC

Complaint narrative:
I noticed an account that is fraudulent thats on my credit report XXXX XXXXXXXX XXXX account with an amount of {$9800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC.
State: GA

Complaint narrative:
For 2 days Ive been contacted repeatedly. Its causing my XXXX to spiral out of control and dont want to XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Started with XXXX  Fraud, reported it directly to the Police on XX/XX/XXXX Created an XXXX account. 

None of these following accounts are mine : Westlake Financial Account and reported it to them on XX/XX/XXXX, I still continue to receive alerts for this account. the name on the account is not mine. Shows a monthly payment of {$910.00} and a balance of XXXX XXXX XXXX showing date open XXXX XXXX credit limit {$3000.00} shows late payments. 
XXXX XXXX showing date open of XX/XX/XXXX Credit limit {$1500.00}

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 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I am approved for the HAF. Flagstar told me months ago when i was approved to email my award letter to them at an address they provided and I would NOT be assessed any late fees during the next 18 months of the program. Now, for the first time, Flagstar has NOT applied my payment to my account in time, it has gone past the grace period, and I WAS charged a late fee, contradicting what they told me would happen. Everyone i speak to about it on the phone is clueless and just passes the buck to another dept. who can't or won't help me rectify the 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 2022-11-17 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: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I have reached out to the credit bureaus and creditor of these 2 accounts they are fraudulent and affecting me please remove these negative accounts as hey are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I see inquiries reporting to my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

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. 

XXXXXXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Receivables performance ; XXXX XXXX XXXX XXXX 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 instruction.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any Consumer report containing any of the following items of Information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: MN

Complaint narrative:
XXXX i was contacted by someone on XXXX on an investment opportunity. If i committed to sending them money up to a certain amount, they would send me a larger amount in return. The total i have sent is around XXXX, i have contact all my credit cards and bank. Have told them what has happened. Most of the transactions were done through worldremitXXXX. I have not contacted worldremit yet. as i dont think they would be willing to help me out with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I have reached out to the credit bureaus and creditor of these 2 accounts they are fraudulent and affecting me please remove these negative accounts as hey are fraudulent.

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I see inquiries reporting to my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I see inquiries reporting to my credit report that I do not recognize.

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I've been disputing this account for over a year regarding inaccurate and inconsistencies on my credit report causing my scores to drop. I need to know who currently has this debt.

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 2022-11-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
XXXX SUN TRUST reports two federal student loans. The Honorable Donald Trump signed a law forgiving the student debt of 100 % XXXXXXXX XXXX. I am a 100 % XXXXXXXX XXXX I submitted the documents to have my loan forgiven and removed from my credit report, and yet XXXX SUN  TRUST continues to report the debt as valid.

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XX/XX/22 I informed all three bureaus to remove my fraud alert by mail and I enclosed all proof of identity documents. They still haven't removed the fraud alert. 

I've also called the various bureaus multiple times to have this removed over past 2 months and no bureau removed it. 

I didn't even ask for a fraud alert. 

They just need to remove it. I already sent my ID, SS card, and proof of address to them a week ago.

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XX/XX/22 I informed all three bureaus to remove my fraud alert by mail and I enclosed all proof of identity documents. They still haven't removed the fraud alert. 

I've also called the various bureaus multiple times to have this removed over past 2 months and no bureau removed it. 

I didn't even ask for a fraud alert. 

They just need to remove it. I already sent my ID, SS card, and proof of address to them a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XX/XX/22 I informed all three bureaus to remove my fraud alert by mail and I enclosed all proof of identity documents. They still haven't removed the fraud alert. 

I've also called the various bureaus multiple times to have this removed over past 2 months and no bureau removed it. 

I didn't even ask for a fraud alert. 

They just need to remove it. I already sent my ID, SS card, and proof of address to them a week ago.

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 2022-11-17 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:
I submitted a ftc report fcra,609 forms to equifax which they have not taken care of correctly! 
Fraud accounts, inquiries I never obtained used or owed or even paid because they were never mine they have not taken off. 
XXXX XXXX needs to be removed completely I never had a collection And I never paid XXXX they are lying I do not have any account with them. Equifax deleted the collection account on XX/XX/XXXX and then put it back on my report. 4 days later! THAT IS ILLEGAL and I have grounds to sue equifax for doing that! 

It needs to be deleted. 

My inquiries are not authorized These I requested to be deleted as well and they did not. I didnt give permission or even contacted these people XXXX XXXX, XXXX XXXX XXXX XXXX  Names needing to be removed that dont even exist are not mine Also the address Address I sent in

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I always paid my mortgage on time and never missed a single payment since I started loans with them, but they calling, texting and emailing me even on Sunday,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been blocked from initiating any type of transactions like wires, ach, cashiers checks, and all other electronic electronic transactions without notice due to updating my phone number. Upon calling Capital One bank they say that the " system '' needs to trust the phone number but they don't have a defined time period for that. I am about to miss the window to close on my house due to this issue. Capital One is not providing any resolution and even said that going to the branch in person will not suffice if the system does not " trust '' the phone number. My funds have now been placed in a state of limbo with no time frame attached to a resoultion. None of these terms or conditions were disclosed to me upon account set up or when I initially asked if I could perform wire transfers from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: NC

Complaint narrative:
I noticed an account that is fraudulent thats on my credit report XXXX XXXX XXXX  account with an amount of {$9800.00}

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