vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 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: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
This complaint is in regard to my account with Hyundai Motor Finance. 
I originally purchased the vehicle brand-new in XX/XX/XXXX. The loan was put in my name and my cosigner 's name. I haven't missed a single payment on the vehicle since I purchased it. 
Later on, my cosigner filed for bankruptcy and the account was flipped to the bank. However, she was able to reverse her bankruptcy in Late XXXX, and the account was flipped back to her and I. 
On my Cosigner 's credit report the vehicle loan was shown as active, open, and current, as has since the bankruptcy was reversed. 
However, my credit report hasn't been accurate at all. 
As you'll see attached, I did write Hyundai Motor Finance back in XX/XX/XXXX to dispute the information on my credit report. 
They started reporting the correct information and my XXXX report has changed and has been accurate since. However, my XXXX  report hasn't changed or been resolved at all. 
I did open a dispute with XXXX in XX/XX/XXXX, where the results stated, " Verified as accurate and updated : the disputed item ( s ) was verified as accurate : however, we updated Rating. For two weeks, XXXX reported the account accurately with no payments missing and open. 
Once XX/XX/XXXX rolled around, XXXX was once again reporting the account as closed with missed payments. I called to dispute and they told me that I needed to call Hyundai, as that's where they get their information. I called Hyundai and they opened up an investigation on their end. On XX/XX/XXXX, according to Hyundai, they sent over to XXXX the correct account information. I have started another dispute with Hyundai on XX/XX/XXXX, but have no results yet.

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 2020-08-14 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: NV

Complaint narrative:
**NOTE** THIS IS NOT A DUPLICATE COMPLAINT. SEE REQUESTED ATTACHMENTS. 


Problems with credit reporting due to unverified, inaccurate, misleading information on my 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 2020-08-14 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: NV

Complaint narrative:
**NOTE** THIS IS NOT A DUPLICATE COMPLAINT. SEE REQUESTED ATTACHMENTS. 


Problems with credit reporting due to unverified, inaccurate, misleading information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter of dispute on XX/XX/2020 and its been over 60 days with no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I had a XXXX  and my car got wrecked i called and told credit acceptance and the person i was on the phone with agreed to not put a reposession on my credit if i returned the car i returned the car not only is it on there but i asked if i paid it off with the 60 % they was offering can it be deleted off my account they keep saying no but they already gave me false information

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 2020-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I discovered an collection account by the name of Portfolio Recovery that is showing up on all three credit bureaus under my name and ssn that is a unverified account that i have no knowledge off. I have ask of them to remove this account because it could not be validate with a legal obligation to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Merchants & Medical is erroneously attempting to collect a debt in the amount of {$3700.00} on behalf of XXXX University. In XX/XX/XXXX, Merchants & Medical placed this collections account on my credit reports causing extraordinary damage to my reports and FICO scores. I hired a firm in XX/XX/XXXX to investigate this matter further with XXXX. On XX/XX/XXXX, my counsel and XXXX  concluded their investigation and, as a result, XXXX deleted the Mechants & Medical account from my credit report. On XX/XX/XXXX, Mechants & Medical has illegally placed this account ( XXXX ) on my credit reports again by using fraudulent, illegal and unfair debt collection practices despite my firm having successfully worked with XXXX to get the Merchants & Medical account removed from my credit reports in XX/XX/XXXX. Months later, in XX/XX/XXXX, Merchants & Medical fraudulently placed this account on my credit reports again causing me further harm by damaging my credit during the COVID-19 pandemic, one of the most devastating times for Americans in the  history of our country. Once again, I will have to file disputes with the credit bureaus to have this account removed from my credit reports in an attempt to reverse the damage caused by Merchants & Medical.  Furthermore, I will be seeking additional legal counsel and filing complaints with the XXXX and FTC if this account is not removed from my credit reports promptly. I would like to settle this matter without litigation. However, if Merchants & Medical continues to cause me and my family harm with their fraudulent, illegal, and unfair practices, I fully intend to invoke my rights as an American citizen and leverage the judicial system. I have attached the results of XXXX XXXX investigation to this email as evidence that the account was deleted as a result of their investigation in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX, a debt collector, called my husband 's business cell phone seeking to speak with me. They purportedly believed the number to be mine. They stated to my husband that I had owed a debt for a Barclays Juniper credit card that was supposedly opened in XXXX and defaulted in XXXX. 

My husband let them know that he would discuss the matter with me, as we were not married until XXXX and he had know knowledge of such a debt. Frankly, neither do I, I don't recognize the account, and have had prior issues with family members opening and operating accounts in my name. My husband and I requested that they send evidence of the validity of the debt, and they sent a letter on their letterhead identifying Barclays Juniper, the amount of {$1300.00} as owed, and a settlement offer of {$750.00}. My husband and I each spoke with XXXX XXXX XXXX on XXXX and advised them that the letter they send in no way indicated evidence of a valid debt. We requested a signed credit agreement, list of charges, etc, which they refuse to provide. They claim that they do not have to provide such evidence. On the letter they sent, there is a provision stating that information about the original debt may be obtained by written request. I have requested this in writing, but only today, XX/XX/XXXX, not even four full days after first being contacted about this matter. 

Yesterday, The collector once again called my husband on his business cell phone, this time threatening legal action if the matter was not immediately resolved. My husband once again stated that the information they provided was in no way evidence of a valid debt, and that we would not settle some phantom debt, that we would need to see evidence that the debt was valid. The exchange became heated and the collectors threatened that we will be responsible for more than {$3000.00} in legal fees when they serve us. 

Today, my husband received yet another call on his business cell phone, from a person claiming to be a XXXX XXXX ( AZ ) process server advising us that we will be served court papers today. This is deplorable, as they refuse to provide evidence of the debt, and are now apparently taking us to court. I am hard pressed to think that they are within their rights to refuse to provide evident of a debt that we do not acknowledge, and actively contest. As such, we seek the intervention of your agency. We have also filed a complaint with the New York Division of Consumer Protection as the address shown for the collector is within New York State.

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 2020-08-14 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: CA

Complaint narrative:
I am a victim of identity theft. I reported the theft of my identity to both the Police and Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I reported the theft of my identity to both the Police and Federal Trade Commission

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 2020-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Started month of XXXX a late payment all the way up to Month of XXXX. Advised was in hospital XXXX with XXXX and XXXX   discharged XX/XX/XXXX. Spoke w/Capone same day. I spoke with them 2/3 times a month. Every month credit reports stated 30, 60, 90 days late. Even with terms of agreement with Capone my credit report was reporting delinquent. 
Capone every month said they sent in a corrected and updated report. But each month it came back again. Delinquent. Balance would go down but a new month of delinquent report. 
The following month bal goes back up payment not reflected and delinquent again. This is with all credit reports. 
All have different balances for capital one accounts. I have been ask for updates to be investigated and corrected. I would also like to know what is my legal rights with this on going problem with capital one. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I got a loan with XXXX, it was for 3 years. I paid regularly and paid the loan off 2 years earlier at the end of XXXX. They reported in XXXX as required by law to all 3 bureaus, so I missed the cut off. So XX/XX/XXXX comes around and it's still not reported to the credit bureaus. At that time, I submitted a dispute to all 3 credit bureas after the land was paid off. All three came back, saying that the loan amount listed was valid. I've now called XXXX 6 times, speaking to a supervisor three times. On my last interaction, he could said that they didn't report it as required by law on XX/XX/XXXX. So as of XX/XX/XXXX, nothing was reported to any of my credit bureas. Bascially, no explanation why. I've reached out to my attorney regarding this and I have rights as a consumer and they have broken the law. The reason I was trying to get this resolved was I was applying for a mortgage and this still showed up on my credit report. I was denied the mortgage after of weeks of trying to get this resolved. Now, I want to sue for fraud, breaking the law, and damages.

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 2020-08-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I got a loan with XXXX, it was for 3 years. I paid regularly and paid the loan off 2 years earlier at the end of XXXX. They reported in XXXX as required by law to all 3 bureaus, so I missed the cut off. So XX/XX/XXXX comes around and it's still not reported to the credit bureaus. At that time, I submitted a dispute to all XXXX credit bureas after the land was paid off. All three came back, saying that the loan amount listed was valid. I've now called XXXX 6 times, speaking to a supervisor three times. On my last interaction, he could said that they didn't report it as required by law on XX/XX/XXXX. So as of XX/XX/XXXX, nothing was reported to any of my credit bureas. Bascially, no explanation why. I've reached out to my attorney regarding this and I have rights as a consumer and they have broken the law. The reason I was trying to get this resolved was I was applying for a mortgage and this still showed up on my credit report. I was denied the mortgage after of weeks of trying to get this resolved. Now, I want to sue for fraud, breaking the law, and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I got a loan with XXXX, it was for 3 years. I paid regularly and paid the loan off 2 years earlier at the end of XXXX. They reported in XXXX as required by law to all 3 bureaus, so I missed the cut off. So XX/XX/XXXX comes around and it's still not reported to the credit bureaus. At that time, I submitted a dispute to all XXXX credit bureas after the land was paid off. All three came back, saying that the loan amount listed was valid. I've now called XXXX 6 times, speaking to a supervisor three times. On my last interaction, he could said that they didn't report it as required by law on XX/XX/XXXX. So as of XX/XX/XXXX, nothing was reported to any of my credit bureas. Bascially, no explanation why. I've reached out to my attorney regarding this and I have rights as a consumer and they have broken the law. The reason I was trying to get this resolved was I was applying for a mortgage and this still showed up on my credit report. I was denied the mortgage after of weeks of trying to get this resolved. Now, I want to sue for fraud, breaking the law, and damages.

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 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC
State: OH

Complaint narrative:
This phone bill I never received a original bill to even pay this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter of dispute on XX/XX/2020 and its been over 60 days with no response

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i sent a dispute letter XX/XX/2020 with no response at all

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 2020-08-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is no longer assigned to this account. I have attempted numerous times to reach out to them to have information updated and their company removed from my tradeline. The current company assigned to this account is XXXX XXXX XXXX XXXX.  Attached is the documentation for verification as well as account update information.

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