vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I contacted XXXX XXXX XXXX back in XXXX  to have them remove the incorrect information that's hurting my credit report/score and my ability to obtain a new car loan. And further my credit building progression.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. 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 following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : Agency/XXXX XXXX XXXXXXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I am writing to formally file a complaint against BMW Financial Services regarding a concerning experience I had with their website, which resulted in technical difficulties when attempting to switch my payment method and subsequently caused a late payment on my account. I believe that this late payment is not my fault and warrants investigation by your agency. 

Details of the Incident : Account Information : XXXX Number : XXXX Account Holder Name : XXXX XXXX Incident Date : XX/XX/2023 Description of the Issue : I attempted to log in to the BMW Financial Services website to switch my payment method to a new one and to make my monthly payment. To my dismay, I encountered severe technical difficulties on the website, preventing me from completing these essential tasks in a timely manner. 

Specifically, the issues I faced included : Inability to access my account : Upon attempting to log in, I received error messages and was unable to access my account. 
Payment method change failure : Even after numerous attempts, I could not successfully change my payment method to the new one I intended to use. 
Payment submission issues : The website continuously displayed errors when I tried to make my payment through the available online payment options. 
Consequences : Due to the technical difficulties I experienced on the BMW Financial Services website, I was unable to make my payment on time, which subsequently resulted in a late payment. I firmly believe that this late payment was not due to any fault of my own but was solely the result of the website 's malfunction. 

Attempts to Resolve the Issue : Following the incident, I promptly contacted BMW Financial Services customer support to report the issue and request assistance. While they were able to accept my payment over the phone and assured me that my complaint would be addressed, I have not received any satisfactory resolution to date because the late payment first hit my credit report on XX/XX/2023, was removed on XX/XX/2023, and was reinserted on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-09-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may nottreat a payment on a credit account under an open and consumer credit plan as late for any 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 explanation
Consumer complaint received 2023-09-10 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: CA

Complaint narrative:
I sent Experian, a consumer XXXX XXXX, a dispute letter on XX/XX/2023 asking nicely to remove specified items from my report that I do not give them written instruction/consent to report pursuant to 15 USC 1681b ( 2 ). ( attached in the documents below titled " Experian Dispute Letter PDF '' ) REPORT NUMBER : XXXX They have now completed their " investigation '' and they did not comply with my request. Not even close. I have attached the initial letter and proof of delivery below.

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 2023-09-10 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: FL

Complaint narrative:
I found inquiries on my credit report that do not belong 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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have received a copy of my credit report " XX/XX/2023 '' and there are several wrong personal identifiers in the file ( address, employer and name ). This will keep jeopardizing my identity if they are not changed immediately! I want all inaccuracies removed as soon as possible please before any bad consequences happen to me because of these incorrect things, it is really harming my life. I've been trying to get my information updated for over 3 months now but never got results.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Complaint against Hyundai Capital America, Account # XXXX To Whom It May Concern : This letter is to dispute the inaccurate and negative information Hyundai Capital America ( XXXX ) furnished to the three ( 3 ) Credit Reporting Agencies ( CRA ). Hyundai Motor Finance violated my Fair Credit Reporting Act ( FCRA ) rights which are listed below.

1. FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) 2. FCRA 623 ( a ) ( 8 ) ( E ) and 623 ( b ) ( 1 ) ( E ), 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) and ( b ) ( 1 ) ( E ) 3. FCRA 623 ( a ) ( 6 ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) 4. FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ) HCA is reporting my account as being charged off instead of account closed. Traditionally charge-offs occur when a customer is at least XXXX days late paying their bill. As you can see from the payment history provided, I have never been 120 days past due. Lastly, there is no indication that XXXX sold this account to a debt buyer or transferred the account to a collection agency. If so, I would have been made aware by the collection agency that my account was delinquent and given an opportunity to resolve the matter. This did not happen. 

XXXX is reporting that the 1st day of delinquency is XXXX. This is inaccurate! Based on my payment history, all payments were made consistently each month. Enclosed are bank records and Hyundais monthly statement showing that I made a payment in XXXX and XXXX. 

On XX/XX/2023, I sent a dispute letter to all three ( XXXX ) credit bureaus informing them of the inaccurate information that was placed on my credit report. XXXX updated my credit report, which still reflects a charge-off and a false delinquency date. 

It is my hope that after your investigation : XXXX. My XXXX account will reflect a closed account instead of a charge-off, and XXXX. The delinquency date be removed, and all payments updated to reflect paid on time. 

XXXX has a grave responsibility to report true and accurate information on a consumers credit report. The inaccurate reporting charge-off has lowered my credit score and decreased my credit score and buying power. I am in arbitration with XXXX because they have violated other laws as well. I have attached a detailed timeline for your reference, which will provide you with more context. 

If you have any questions or concerns, please feel free to contact me via email or my cell at 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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account XXXX 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

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 2023-09-10 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: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act COMENITYBANK/COMENITY CARD Acct # XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax will not release my information to the other credit bureaus so I can review all three of my reports and credit scores. Equifax has removed my previous address from my credit report and is incorrectly reporting my length of time at my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
LVNV FUNDING LLC reported incorrect amount. I attempted to dispute it on XXXX XXXX and I got no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: WI

Complaint narrative:
SPRING OAKS CAPITAL LLC has the wrong information. I tried to contact them to receive the right information but I was not provided with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-09-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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: TX

Complaint narrative:
There are unauthorized inquiries reporting on my credit report, I requested information that validates these companies pulling my report or validates the credit reporting agencies furnishing these inquiries and have yet to receive any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: FL

Complaint narrative:
I found inquiries on my credit report that do not belong 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 2023-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I canceled my subscription with this company and they continued to bill me and are trying to collect funds not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lockhart, Morris & Montgomery Inc.
State: MO

Complaint narrative:
This debt was removed off my account twice and closed. 
They placed this back on my account twice. I wasnt notified nor did i receive any notification that this debt was placed back on my account for the first or second time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: NY

Complaint narrative:
I have a XXXX  account with a credit builder pre paid credit card. They approved a charge for {$370.00} when funds werent available. I deposited by direct deposit {$100.00} per pay check and paid off the amount of {$370.00} by XX/XX/2023 and even responded to their emails stating if i didnt make a payment they would report me as late. they responded thak you for the update we will update your account. They reported my 60 days late with full balance still owed and my score dropped by XXXX points. i was denied housing because of this. i re disputed this with credit bureau and its on my report as disputed. Today XX/XX/XXXX all 3 bureaus reported me as 120 days passed due with a balance of {$170.00}. as of today a have a available balance of XXXX. I withdrew all my funds and demanded this account be closed for over a month. I submitted all the proof to you see past complaint against XXXX as well as uploaded it to the credit bureaus. So before I end up homeless due to this not even error at this point. its a deliberate action on the part of all parties at this point, id like transunion, XXXX and XXXX  to remove XXXX info off of my reports

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
This company has the wrong personal information I did not open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2023-09-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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