vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2022, I received a mobile notification that an account had been reported as delinquent due to 30 days past due payment by Affirm. I contacted the customer service number and he stated that he did not show where my account was 30 days past due but that they have no control over reporting. He also stated that they TRY to report accurately. I informed him I am not and have never been 30 days past due on this account. He refused to correct or escalate this egregious error made on my credit report which has drastically damaged my credit portfolio in the eyes of other lenders. 

It is the legal duty of Affirm and XXXX to report 100 % ACCURATELY on my credit report. Affirm has reported false information to XXXX and instead of XXXX doing a thorough and proper investigation they have further irresponsibly reported FALSE and inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Apparently someone has my SSN and name and applied for a credit card with XXXX XXXX XXXX  on XX/XX/2022. XXXX to find number and called XXXX on XX/XX/2022 and was able to report it to XXXX XXXX XXXX and they have cancelled it due to fraud. Its on my credit report as a hard inquiry. How do I get that removed? I spoke with XXXX. He gave me an employee ID number and he gave me the number to National Fraud Hotline. Please help.

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 2022-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
So I took out a loan with Title Max. The payment was actually higher than I wanted so I then went to another loan company and this loan company sent a certified check to title max to pay my loan off and the post office attempted to deliver the certified mail where someone had to sign to get it and noone was at office so they left a note saying they attempted to deliver mail. This check sat at the post office from the XXXX through the XXXX with noone trying to go get the mail with the check included. So on the XXXX XXXX from title max called to tell me they still had not received the check from the other finance company to pay off my loan. So I contacted the other loan company and they gave me all documentation that I needed to take to title max to prove from post office they attempted to deliver it on the XXXX of XXXX with no luck. So I took everything to title max proving that and then they went to get check and got it but then proceeded to tell me I needed to pay another XXXX dollars to finish paying it off. The check was wrote for the ten day payoff that was given by store manger XXXX and just because it sat at post office waiting for them to pick it up and didn't they wanted me to pay extra money. So I ask for her boss to call me and XXXX called me back saying he wouldn't call me back cause he had no need to. And I told her I would contact a lawyer and then she proceeded to tell me that her boss said since I wanted to contact the lawyer he wouldn't going to accept the check from the other company to pay off my loan. This is disgusting how this place of business is doing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: NC

Complaint narrative:
1 ) raised a dispute request 30 days back with Transunion regarding my credit score decrease drastically, they investigated and gave some of the credit points, but not fully. 

2 ) raised a dispute request 30 days back with XXXX regarding my credit score decrease drastically, seeing same credit score even after investigation .. so raised second dispute with unsatisfied 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 explanation
Consumer complaint received 2022-08-16 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: MI

Complaint narrative:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX  XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX  XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX  XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$43.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1000.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}

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
Consumer complaint received 2022-08-16 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: MI

Complaint narrative:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX  XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXXXXXX XXXX ) XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$43.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal is blocking my money from my access. Every time I try to add the bank account, PayPal denies linking my XXXX Savings account in order to use my money for themselves. This is what they intend to do and do not allow me to move my money out of PayPal. I had a direct deposit coming to PayPal and was prohibited to move my money to the Bank of my choice, which is XXXX now. The XXXX XXXX on the PayPal account is not allowed to accept the case for resolution. I tried many times to add XXXX Savings routing number and account number and PayPal just resisted to comply with my demand. I am doing the same thing on a XXXX Savings account trying to connect the PayPal account with routing number and account number and every time it states that it has failed making me look stupid or making a mistake which I did not do. 
Paypal is trying to make it look like they care about my money by denying the linking and transfers, but this is not true. There is a lot of fraud going on by removing the records of communications and not allowing the records for resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
While searching for an apartment I was contacted by an individual named XXXX XXXX I now know to be impersonating a leasing agent. They claimed to be from XXXX XXXX XXXX. They sent me photos of an apartment, sent me leasing information, and an application. I filled out the application ( see attached ) and asked if I could tour the apartment. They told me it was unavailable to tour until the current tenant moved out. They encouraged me to sign a lease anyway as they had lots of interest in the property. The housing market where I live is incredibly competitive so I believed them and moved forward with the process. I received a pretty believable lease and was asked to send a security deposit ( {$550.00} ) and 1 month 's rent ( {$700.00} ) via Zelle on XX/XX/XXXX. I started feeling bad after sending the first month 's rent ( payment confirmation attached ) and asked to see the apartment before sending the rest of the money. I received no response. After a while, I realized I had been scammed. I told them I knew they were falsifying information and demanded my money back. The person I had been corresponding with unsent all their messages, luckily I have screenshots. As far as I'm aware the company has taken no action, I immediately reported the scam to my bank ( XXXX ) which refused to reverse the transaction as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: CA

Complaint narrative:
To : TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX To Whom It May Concern : I am writing this letter to dispute certain inaccuracies in relation to my credit file. 

I recently received a copy of my credit report, and I notice there are unauthorized credit inquiries made by the following companies at the following dates : Unauthorized Inquiry 1 Name : XXXX XXXX XXXX XXXX Unauthorized Inquiry Date : XX/XX/XXXX Unauthorized Inquiry 2 Name : XXXX XXXX ( Bank ) Unauthorized Inquiry Date : XX/XX/XXXX To my knowledge, I have not signed any documents authorizing these companies in question to view my credit report. The listed inquiries are without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act Section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, please send me proof of this. 

Finally, I am requesting an updated copy of my credit report, which should be sent to the sme address listed above. According to the provisions of Section 612 ( 15 USC Section 1681j ), there should be no charge for this report. 

Your immediate attention to this matter is appreciated. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX, I opened a Dispute on XXXX website with DISCOVER CREDIT CARD whereby I officially disputed all charges, which were all fraudulent and of an identity theft nature on my account from the date of XX/XX/XXXX forward, as I was XXXX in a XXXX XXXX, and still am until XX/XX/XXXX. I uploaded the FBI letter from XX/XX/XXXX to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX where I notified them of the crimes against me. Further, I included the XXXX  Court documents from XXXX XXXX XXXX Court in XXXX XXXX, XXXX where I sued the individuals responsible for stealing my life savings and committing identity theft and fraud against me for fraudulent credit card charges, etc. I was incarcerated and had no visibility and limited interaction with the world in prison. I did not authorize these charges and have notified multiple law enforcement agencies to that effect. DISCOVER CARD and XXXX denied my dispute and state that all charges were reported appropriately on my account. It seems that they did not read the attachments, as this was fraud on all these charges after my XXXX date. While XXXX all my accounts were assigned to the address in XXXX XXXX of the perpetrators of theft against me ; this is fraudulent, as I never lived in XXXX XXXX. I have always been a citizen of XXXX XXXX except for 4 years I spent in a XXXX XXXXXXXX  during this term of XXXX ) and can clearly show this fact. Further, I am protected by the laws of XXXX and per law, the statute of limitations on past due debt ends after 4 years of delinquency. It is against the law for anyone, to include debt collectors, from trying to collect on debt older than 4 years of age, period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I had my identification stolen and someone was able to take out a auto loan by credit acceptance in my name for years ago I tried to dispute it with XXXX by releasing a copy of a police report and XXXX and credit acceptance refused to take the car loan off my credit report.

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 2022-08-16 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
i traded my lease to purchase a new car back in 2017,,, before anything could happen i had dealership pay off my lease,,, so i called hyundai capitol of america who had my lease and requested the payoff and the dealership paid it in a check... 
1 month later i get a bill in the mail for additional fees for the lease,,, but i had already paid them with the payoff of the lease, but i did pay it... 
on my experian credit report is showing i paid this lease 8 months late, so i disputed this with experian saying i never paid 8 months and sent a copy of check dealership sent hyundai... 
i already took a awful hit on my credit XXXX XXXX years ago, and now experian is hitting my credit score again!!!

i have disputed this on this site 2 other times, when will this be behind me after all these years!!!

thx

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 2022-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I co-signed a private loan for my son, the company came after me when he decided no to make good on his promise to pay back the loan, I made payments to Navient but the harassment from them became too much and in 2017 I filed bankruptcy Navient continued to receive payments the five years I was in my bankruptcy, which ended XXXX of this year, Navient sent a claim for {$22000.00} to my bankruptcy, they were paid {$13000.00} as soon as the bankruptcy ended they sent me a bill to restart my payments when I called them for my total amount owed they stated it was {$15000.00} when I asked them how that could be possible first they stated it was because my loans were in forbearance even though they received monthly payments the entire time I was in bankruptcy I filed a XXXX XXXXXXXX the next time I called they said it was 5 years worth of interest rates I knew I would owe something but the amount they are telling me seems a lot higher than what I expected also my bankruptcy trustee also said it was too much Please know I am willing to pay what I owe them, but because they have been so disrespectful and untrustworthy and they will stop at nothing to get you I just do not trust what they say I sent them via fax all the paperwork I have from my bankruptcy showing payments and dates to no avail, if your company can't help me please feel free to refer me to someone who maybe can help me, I totally blame my son for this but I am just trying to clear my name, I am XXXX XXXX XXXX, still working and trying to maintain, I really can't afford to pay them what I don't owe them, I have all my paperwork and will be glad to send it to whomever can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: CA

Complaint narrative:
SPEEDING TICKETS, I contact the company to explain that SPEEDING TICKETS I had in the past from long time ago, passed the status of limitations, not supposed to be in my driving record any more. 


company XXXX : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX in early XXXX I deposited a check from my personal account with another institution ( as I have done previously between the same two institutions through the same two accounts ) for {$9000.00}. directly into Truist ATM to my personal account. On XXXX XXXX XXXX Bank showed the check as process and debited my account. Truist has refused to release over {$3000.00} of the deposit until XXXX. I have been banking with Truist for years, never have had a bounced or NSF check. I called their online help, told nothing they could do to release funds ( even with over {$5000.00} in my business account there ), I spoke to a supervisor and was told nothing would be done as it was a decision of 'the bank '' and that there was no one that would review the hold further. This account regularly has a few XXXX dollars a month processed through it. Never a problem.

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