vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 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: FL

Complaint narrative:
I am a Federally Protected Consumer. According to USC 1681a Congress makes the following findings in regards to the accuracy and fairness of credit reporting. 15 USC1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Please see the attached.

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 2021-01-14 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: CA

Complaint narrative:
Former Human Resources Manager, Captured My Employee Personnel File ; And, Applied For Credit Via -- -- -- -- -- -- -- -- -- FRAUD AND ONLINE APPLICATIONS. All 3 ( THREE ) Credit Reporting Agencies, Are Reporting Incorrect Information Upon My Credit Profiles.

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 2021-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I contacted Kia last fall to get assistance due to losing work from Covid-19. They told me they could extend three months of my loan to the end of the term but I would have to pay at least one payment up front for them to do that. I paid over XXXX dollars to them, processed the paperwork. One month later they were calling me for more money and informed me that my request was denied and " you have to make ten monthly payments on time to qualify for a postponing of your payment again. '' I have made every attempt possible to pay what I could and last week I made a payment of {$50.00} on the internet. I borrowed money this week from my son when I found out my Stimulus payment was going to be postponed. I attempted to log into the website, my account was locked. I called the number and the guy advised me I would have to pay an additional {$7.00} to make the payment over the phone when my son was present to give permission. 

I attempted to call again this evening, the first call went to the automated system - a {$3.00} fee to process a payment - and was going to take my payment until I put in my social. I then got transferred to a live agent who advised me they had to get me over to my agent. I began talking to my son and she said " excuse me '' and I responded with " I was talking to someone else. '' The line disconnected. I called back, same situation, automated system sent me to a live agent so I could make a payment for an additions {$7.00}. I asked this agent if she could take my payment and she immediately got rude with me saying " when you give me your name, I can pull up your account. '' I gave her my name, she told me she would have to transfer me also, I again I said something to my son. This agent said " who are you talking to. '' I responded with " my son. '' and she disconnected the call. I tried to call back 3 times and each time the call was disconnected. Finally on the fourth try, my son also called from his phone and we finally got the payment sent in. 

This feels like they are refusing to take my payments even though I have informed them of the situation and how it relates to Covid-19. 

Please help, they are demanding all of my stimulus check before they will reopen my account on the website so I am not charged additional fees to make a payment.

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 2021-01-14 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:
XXXX XXXX XXXX balance {$3700.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXX balance {$2600.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX XXXX XXXX balance {$850.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX balance {$1800.00} - This account has been paid, please remove Immediately. 

XXXX XXXX XXXX balance {$3300.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX XXXX XXXX XXXX balance {$460.00} - Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX XXXX XXXX balance {$2600.00} - Reporting unknown which means it's incomplete, please delete this account. 

XXXX XXXX XXXX balance {$900.00} - Delete this unverified and inaccurate account. 

XXXX XXXX XXXX balance {$850.00} - This account has several violations : You are reporting a re-aged open date, Reporting a past due amount on collection account, and a incorrect Date of last activity. Please delete for violations. 

XXXX XXXX XXXX balance {$780.00} - This account was transferred to another collection company you are reporting this duplicate account. 

XXXX XXXX XXXX balance {$740.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX balance {$1300.00} Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX balance {$5300.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX/XXXX  XXXX balance {$1400.00} Charge off - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on 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 2021-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I received an email that my Chime spending account was being suspended. As well as my Chime credit card. I currently have {$1200.00} dollars in my account. They said it was due to how my expense reimbursements where being paid. They requested documentation which I expediently submitted. I have a chain of emails and call logs in my attempt to follow up with the situation. Chime tells me it's XXXX that is suspending the account. However when I reach out to XXXX they tell me they have no information and I would need to deal with Chime. I have never felt to helpless when trying to access my funds for something as simple as fuel to my car. I have been a member with Chime for over 2 years. I stayed with them even after a multi-day outage where we could not access any funds. No one nationwide could access any of their funds in their spending account. Suspending one 's account without warning is an incredibly unfair and deceptive business practice. I would have been happy to provide whatever they requested had they notified I was at risk for suspension. We can not contact any live agent in this supposed review department and have to email a go between department. I just need to pay my bills and feed my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I, XXXX XXXX, entered into a consumer credit transaction with Bank of America on XX/XX/2019. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605, a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I, then received a bill which is a violation of 15 USC 1692B.

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 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
This company I never heard of never been to this place put a collections balance onto my account I called XXXX XXXX and did a dispute the company that put the collections on my account called me today on XX/XX/2021 and stated asked to confirm for my information I said no they hung up on me I then called back and said that I reported them to IRS they hung up on me again I know this company is a fraudulent company I need someone to contact me about this. The collection amount was {$630.00} and the date of that collections was not stated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express continues to report a negative item on my credit report referencing debt discharged in bankruptcy yet they continue to report the item to XXXX XXXX  and XXXX. First and foremost I do not OWE American Express any sum of money and this account is not mine. I am attaching my SECOND Notice under Section 609 FCRA which requires a creditor to produce the time and date, authorization to pull or access a credit report in addition the FCRA requires American Express to provide copies of any and all copies or agreements between myself and American Express. As of the submission of this complaint, American Express has not removed the erroneous item from my credit report nor has American Express produced any of the required items under Section 609 FCRA, which makes American Express in violation of Section 609 FCRA. Furthermore, XXXX, XXXX  and XXXX are comp, I it in these violations due to the fact that despite being duly noticed under Section 609 FCRA they have equally failed to ( A ) require American Express to produce the required items under Section 609 FCRA ( B ) failed to remove and or delete the derogatory report issued by American Express based upon the failure of American Express to adhere to Section 609 FCRA. 

This makes ALL parties in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. The aforementioned violations constitute serious breaches of The Fair Credit Reporting Act. The violation of the Fair Credit Reporting Act requires the immediate removal of the derogatory information being supplied by American Express with regard to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: FL

Complaint narrative:
Id theft victim. just checked my credit and found this these accounts are not mine XXXX XXXX XXXX  XXXX XXXX $ and XXXX $ XXXX XXXX XXXX {$22000.00} U S DEPT OF EDXXXX {$1700.00} U S DEPT OF EDXXXX {$3900.00} XXXX {$440.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: PA

Complaint narrative:
I reached out to the auto loan lender and requested the late payment dated back in 2017 of XXXX be removed and I haven't received a 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 2021-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
There is incorrect information from Navient that has been reported to the 3 credit bureaus. I have made 100 % of the payments on time when my account was not in deferment or forbearance. However, it is being reported that my worst payment status has been 120-149 days late. This is incorrect and the reporting needs to be updated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$1100.00}, {$19000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- PERSONAL LOAN 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.

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 2021-01-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I mailed dispute letters from my place of residency to all three credit bureaus did not receive any responses over the 45 day max period. I am using XXXX XXXX XXXX XXXX as a credit repair service. They informed me to file a report with your company. The original lettrs were mailed out on XX/XX/2020.

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 2021-01-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I mailed dispute letters from my place of residency to all three credit bureaus did not receive any responses over the 45 day max period. I am using XXXX XXXX XXXX XXXX as a credit repair service. They informed me to file a report with your company. The original lettrs were mailed out on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: FL

Complaint narrative:
Id theft victim. just checked my credit and found this these accounts are not mine XXXX  XXXX XXXX XXXX XXXX $ and XXXX $ XXXX XXXX XXXX {$22000.00} U S DEPT OF EDXXXX {$1700.00} U S DEPT OF EDXXXX {$3900.00} XXXX {$440.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$140.00}

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 2021-01-14 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: TX

Complaint narrative:
XXXX XXXX continues to report a negative item on my credit report referencing debt discharged in bankruptcy yet they continue to report the item to XXXX XXXX  and Transunion. First and foremost I do not OWE XXXX XXXX any sum of money and this account is not mine. I am attaching my SECOND Notice under Section 609 FCRA which requires a creditor to produce the time and date, authorization to pull or access a credit report in addition the FCRA requires XXXX XXXX to provide copies of any and all copies or agreements between myself and XXXX XXXX. As of the submission of this complaint, XXXX XXXX has not removed the erroneous item from my credit report nor has XXXX XXXX produced any of the required items under Section 609 FCRA, which makes XXXX XXXX in violation of Section 609 FCRA. Furthermore, XXXX, XXXX  and Transunion are comp, I it in these violations due to the fact that despite being duly noticed under Section 609 FCRA they have equally failed to ( A ) require XXXX XXXX to produce the required items under Section 609 FCRA ( B ) failed to remove and or delete the derogatory report issued by XXXX XXXX based upon the failure of XXXX XXXX to adhere to Section 609 FCRA. 

This makes ALL parties in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. The aforementioned violations constitute serious breaches of The Fair Credit Reporting Act. The violation of the Fair Credit Reporting Act requires the immediate removal of the derogatory information being supplied by XXXX XXXX with regard to my credit file.

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 2021-01-14 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: TX

Complaint narrative:
XXXX XXXX continues to report a negative item on my credit report referencing debt discharged in bankruptcy yet they continue to report the item to XXXX Equifax and XXXX First and foremost I do not OWE XXXX XXXX any sum of money and this account is not mine. I am attaching my SECOND Notice under Section 609 FCRA which requires a creditor to produce the time and date, authorization to pull or access a credit report in addition the FCRA requires XXXX XXXX to provide copies of any and all copies or agreements between myself and XXXX XXXX. As of the submission of this complaint, XXXX XXXX has not removed the erroneous item from my credit report nor has XXXX XXXX produced any of the required items under Section 609 FCRA, which makes XXXX XXXX in violation of Section 609 FCRA. Furthermore, XXXX, Equifax and XXXX  are comp, I it in these violations due to the fact that despite being duly noticed under Section 609 FCRA they have equally failed to ( A ) require XXXX XXXX to produce the required items under Section 609 FCRA ( B ) failed to remove and or delete the derogatory report issued by XXXX XXXX based upon the failure of XXXX XXXX to adhere to Section 609 FCRA. 

This makes ALL parties in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. The aforementioned violations constitute serious breaches of The Fair Credit Reporting Act. The violation of the Fair Credit Reporting Act requires the immediate removal of the derogatory information being supplied by XXXX XXXX with regard to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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:
XXXXL XXXX XXXX balance {$0.00} This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

U.S. DEPARTMENT OFEDUCATION XXXX balance {$2000.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

U.S. DEPARTMENT OFEDUCATION XXXX balance {$2800.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete 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 explanation