vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 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: PA

Complaint narrative:
To Whom It May Concern, I checked my personal credit report, which I acquired from Transunion and I noticed that this unauthorized inquiry had been made : XXXX XXXX XX/XX/2023 I contacted XXXX XXXX and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request

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 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
My car loan is due for the XXXX payment in the amount of {$380.00} due on XX/XX/XXXX. I made an electronic payment of {$390.00} ( via XXXX web bill pay ) to Kia Finance America on XX/XX/XXXXXXXX  from my XXXX checking account ( my bank shows this payment posted for {$390.00} to XXXX XXXX XXXX on XX/XX/XXXXXXXX  ). Yet, Kia still has not posted this payment and is showing that I am 11 days past due. I have filed a complaint with Kia on XX/XX/XXXXXXXX  under confirmation # XXXX. I also filed a complaint with XXXX. I am very concerned because Kia shows I am due for XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  payments now. I am very concerned about Kia showing I am past due, having late fees improperly assessed, negative impacts reported against my credit and the proper handling of future payments to this company! Please help me to get my payment posted to my account. I have contacted Kia 4x about this with no resolution yet. I attached proof of my posted payment and what I received from 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 2023-11-22 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: OneMain Finance Corporation
State: FL

Complaint narrative:
Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I RETURNED EQUIPMENT XXXX CABLE BOXES AND XXXX REMOTES TO THE FRONTIER OFFICE AND THEY ACCEPTED IT. I LATER GOT BILLED FOR UNRETURNED EQUIPMENT. I CONTACTED THEM AND THEY STATED THAT I HAD XXXX BALALNCED OWED. CUSTOMER SERVICE VIA PHONE SAID THEY HAVE NO RECORD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention a persistent issue regarding an inaccurate public record on my credit report, and despite repeated demands for its deletion, the matter remains unresolved. This is the third time I am reaching out to the credit bureau, to rectify the inclusion of a bankruptcy record, referenced by the number XXXX. 

My name is XXXX XXXX XXXX, and I have previously provided detailed information to this credit bureau regarding this matter, including documentation from the court confirming that they do not verify information with credit bureaus and that such information has been removed/deleted. Despite presenting this evidence, the inaccurate bankruptcy record persists on my credit report. 

Furthermore, it is crucial to note that the bankruptcy record is erroneously attributed to the name XXXX XXXX XXXX, not my legal name XXXX XXXX XXXX. This misinformation is a clear violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that consumer reporting agencies maintain accurate and up-to-date information. The inclusion of this inaccurate information damages my creditworthiness and financial standing. 

Additionally, I would like to highlight that XXXX, as of XX/XX/2023, has removed this particular record from their database. This further supports the inaccuracy of the information reported by this credit bureau. 

I am exercising my rights under the FCRA, specifically invoking Section 609, to dispute and request the removal of this erroneous bankruptcy record from my credit report. The continuous reporting of inaccurate information is not only damaging to my creditworthiness but also a violation of my rights under federal law.

I kindly request the CFPBs intervention to ensure a thorough and prompt investigation into this matter. Despite my previous attempts to resolve this issue, This credit bureau has failed to take appropriate action. The inclusion of inaccurate information on my credit report goes against the FCRA, which mandates that consumer reporting agencies maintain accurate and up-to-date information.

I am deeply concerned about the potential consequences of this inaccurate reporting on my financial well-being. I appreciate your immediate attention to this matter and request your assistance in facilitating a resolution. Please find attached supporting documentation for your reference including information directly from the court 's website stating they do not verify any information with the credit bureaus.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention a persistent issue regarding an inaccurate public record on my credit report, and despite repeated demands for its deletion, the matter remains unresolved. This is the third time I am reaching out to the credit bureau, to rectify the inclusion of a bankruptcy record, referenced by the number XXXX. 

My name is XXXX XXXX XXXX, and I have previously provided detailed information to this credit bureau regarding this matter, including documentation from the court confirming that they do not verify information with credit bureaus and that such information has been removed/deleted. Despite presenting this evidence, the inaccurate bankruptcy record persists on my credit report. 

Furthermore, it is crucial to note that the bankruptcy record is erroneously attributed to the name XXXX XXXX XXXX, not my legal name XXXX XXXX XXXX. This misinformation is a clear violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that consumer reporting agencies maintain accurate and up-to-date information. The inclusion of this inaccurate information damages my creditworthiness and financial standing. 

Additionally, I would like to highlight that XXXX, as of XX/XX/2023, has removed this particular record from their database. This further supports the inaccuracy of the information reported by this credit bureau.

I am exercising my rights under the FCRA, specifically invoking Section 609, to dispute and request the removal of this erroneous bankruptcy record from my credit report. The continuous reporting of inaccurate information is not only damaging to my creditworthiness but also a violation of my rights under federal law. 

I kindly request the CFPBs intervention to ensure a thorough and prompt investigation into this matter. Despite my previous attempts to resolve this issue, This credit bureau has failed to take appropriate action. The inclusion of inaccurate information on my credit report goes against the FCRA, which mandates that consumer reporting agencies maintain accurate and up-to-date information. 

I am deeply concerned about the potential consequences of this inaccurate reporting on my financial well-being. I appreciate your immediate attention to this matter and request your assistance in facilitating a resolution. Please find attached supporting documentation for your reference including information directly from the court 's website stating they do not verify any information with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: WI

Complaint narrative:
XX/XX/2023, I sent letters to XXXX, TransUnion and XXXX about the following fraudulent accounts and they have not yet to follow CFPB Laws our rules. 
XXXX {$0.00} ACCOUNT # XXXX XXXX XXXX XXXX {$800.00} ACCOUNT # XXXX XXXX XXXX XXXX {$850.00} ACCOUNT # XXXX /XXXX XXXX XXXX {$1400.00} ACCOUNT # 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 2023-11-21 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: WI

Complaint narrative:
XX/XX/2023, I sent letters to XXXX, XXXX and Equifax about the following fraudulent accounts and they have not yet to follow CFPB Laws our rules. 
XXXX {$0.00} ACCOUNT # XXXX XXXX XXXX XXXX {$800.00} ACCOUNT # XXXX /XXXX XXXX XXXX {$850.00} ACCOUNT # XXXX /XXXX XXXX XXXX {$1400.00} ACCOUNT # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: LEXISNEXIS
State: GA

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement.

The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: GA

Complaint narrative:
I sent a signed due bill statement along with a UCC-1 form and a notarized and certified letter to pay the full amount being that I am the lender according to U.S.C and UCC laws XXXX I endorsed the due bill correctly and after speaking to Discover they were unable to confirm that theyve received payment and literature sent by me. I tracked all mail and it was delivered with a signature. They said theyd call me in XXXX hours and have not responded. All mail was sent on XX/XX/23.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: VA

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that is not 100 % accurate. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next XXXX  days. I know that you have up to XXXX days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

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 2023-11-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I keep getting harassed via phone and email for a {$200.00} debt from debt collector who introduces themselves as Aldous & associates attorneys at law ( phone number ( XXXX ) XXXX, address XXXX XXXX XXXX XXXX, UT XXXX ) claiming that I need to pay for this and they wont even let me talk and explain the situation. When I asked them if they were a law office ( spoke to XXXX and XXXX XXXX they stated that they are and when I asked if the person speaking was also a lawyer he stated that he is an associate at the firm. I informed them I am not comfortable to speaking with a law office without representation but they keep calling me and are very aggressive and rude and dont understand that I dont want to speak without representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My first car payment was XXXX I sent {$300.00}. I called them 3 to have them. Put the extra amount towards my principle and they put it towards the finance charge. Or interest. I got a new statement in the mail. They're telling me. I own {$410.00}. 
In the loan status Section. 
But down by the part where you mail the check. They're saying amount. Do XXXX Seems like after I called the first time to complain about where my extra money went. They started messing up my statements on purpose. Bank of america watch out.. And when I call this last time I know I only made 2 payments. She's telling me I made three that everything is fine now.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: PA

Complaint narrative:
I XXXX XXXX currently have some fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023

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 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/23, an employee of Chime Bank instructed and directed me to transfer {$1200.00} from my checking account into an administrative account. XXXX days later, requested that the transfer be cancelled and the money be refunded to my checking account. The same employee told me that I had to purchase an XXXX gift card to use as an activation key. I did not have the funds available to do that. In XX/XX/23, the same employee told me Chime would compensate me {$60.00} plus the {$1.00} in cash but I would have to claim it in person in California. I told him I have no car and Im unable to travel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WA

Complaint narrative:
I've requested a student loan refund of over {$2000.00} back in XXXX. It's now XXXX. I still haven't received my refund in the mail. They've supposedly sent a check in the mail to my address and I never received it. 

Earlier in XXXX, I sent a complaint ( ID : XXXX ) on the CFPB and they said they would do a research request to figure out what happened and found that the check hadn't been cashed out. So they said they would send in a new check to my address. 

I STILL HAVE NOT RECEIEVD THE CHECK. They said they'd do a new request for a research, but at this point I don't believe them. They don't ever contact me with any status updates and I always have to call to check what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
In XXXX of XXXX I leased a vehicle from XXXX XXXX XXXX XXXX on XXXX XXXX, A XXXX XXXX XXXX which they took a down payment from me of {$600.00} that they expressed was going to be apart of my lease/finance charge, that wasnt the case. They also changed paper work information. I applied as principal & they made my co-signer principal. Also in XXXX I traded in the XXXX for an XXXX which they then took another XXXX $ plus & XXXX from the XXXX trade in as down payment not expressing I have 3 days to rescind. They also keep the co-signer on the vehicle before as principal on the XXXX XXXX which I refused. At the time I was unaware of consumer law. Which they have clearly violated on many occasions with me. They made me feel comfortable enough to tell me anything and make me overly stress concerning payments etc. when consumer law express it is illegal for a wholesale or retail to take any money from a consumer. Especially FRNs which according to federal & banking law that form of tender is only to be used by the federal reserve that I am not. 
The XXXX has been paid off due to my social security number. So has the XXXX. They took a cosinger asnd made them principal without knowledge and that cause disruption bet the co-signer and I. They forged signatures as well on sed contacts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX for taking more than XXXX $ monthly in incorrect notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I HAVE CALLED XXXX XXXX XXXX  WHOM THEY REPRESENT AND STATED THAT I DO NOT OR HAVE I HAD XXXX XXXX XXXX  SERVICES AND IT HAS BEEN REPORTED AS IDENTITY THEFT. I REQUESTED DOCUMENTATION SHOWING CONTRACTS AND/OR AGREEMENT FROM ME BARING MY SIGNATURE. I HAVE ALSO CONTACTED THE COLLECTIONS AGENCY EXPRESSED MY SAME CONCERNS AND REQUESTS. I HAVE RECEIVED NO COOPERATION. 
I HAVE DISPUTED AND MADE CONTACT WITH THEM BOTH EVERY 30 DAYS FOR THE LAST YEAR. 
Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX or ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief