vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
On XX/XX/XXXX at approximately XXXX, I came to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX complete a report of identity theft. I became aware my identity was stolen today when I received a phone call from XXXX XXXX in XXXX XXXX, MO reporting they sold XXXX vehicles and were in the process of selling a third to a person using my personally identifying information. The first XXXX vehicles, XXXX of which as a XXXX XXXX XXXX XXXX, were sold about a month ago. They said the person has my information and a CT driver 's license and provided an address of XXXX XXXX  XXXX XXXX, in XXXX, PA XXXX. XXXX spoke to the XXXX XXXX of the dealership, XXXX XXXX, whose # was ( XXXX ) XXXX. He stated the photo on the license was a XXXX male and they never saw him in-person upon vehicle transfer. No identification took place. They are supposedly mailing me a copy of the driver 's license that was used. Upon seeing the CT State license it was clear that the ID was fake as my first name was abbreviated and my full name as required by law was incomplete. The vehicles were financed through XXXX XXXX and XXXX XXXX XXXX XXXX. I did not buy these vehicles ; my identity has been stolen. I notified the credit bureaus and froze my identity. XXXX XXXX has entered me into a national database which will identify anyone using my information law enforcement reasons. I gave XXXX XXXX a password which I will never forget. I understand could come up during a traffic stop or at the airport and I will need to provide this password to law cement to confirm it is me, not the imposter. ring. This is causing me great stress and time, as well as increased XXXX XXXX and bouts of 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 explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CENTRAL BANCOMPANY, INC
State: CT

Complaint narrative:
I purchased a pizza on XXXX  for delivery on XX/XX/XXXX. Pizza was never delivered. I sbmitted a complaint on the website and did not a response. I call the bank and multiple times and they did not assist.

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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was scammed via work email through a XXXX  for an XXXX  XXXX XXXX. I was sent a check to purchase necessary software and instructed to use XXXX to pay the rep. For the software. XXXX check amount XXXXThrough XXXX XXXX XXXX XXXX XXXX XXXX Someone hacked a students email account- so it was a viable account, and no one thought otherwise. Three other students fell for the scam.- I notified our IT and a scam caution email went out XXXX. 
I notified Huntington bank manager and placed a hold on the account XXXX. 
After several strange texts from person- I realized it was a scam and notified Huntington that day. I also went and filed a report with XXXX XXXX XXXX XXXX as instructed. # XXXX. Filed XXXX Im now being told I owe Huntington Bank the amount of XXXX back, that Regulation E does not have anything to do with this fraud draw. I also received a statement from the bank dated- XXXX stating that XXXX would not be available until XXXX? Per our funds availability policy, the reason for the delay is : we need more time to review your deposit to make sure funds will be received from the paying bank. Ref # XXXX XXXX, consumer operations . 
I Spoke to XXXX from Huntington XXXX, that states there was no hold placed on the full amount., and the bank will not pay for the fraud charge, we will. If we dont they will send us to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was given disaster relief and was told my credit would not be affected. They called & was assumed it was a mistake they would fix ; they reported me XXXX days late & refuse to fix it. I spoke with XXXX agents from Wells Fargo they all assured me it would be fixed & they did not fix. They just sent a letter that states all info they sent was correct & they will not be fixing. 




You're confirmed for disaster assistance We know that your focus right now is protecting the people and things you care for Dear XXXX XXXX : Thank you for taking the time to talk with us. Were sorry that youve been affected by the hurricane. 

While we cant waive payments, we understand that you may not be able to make regular payments for this account at this difficult time. To help : We wont report a past-due status for this account to the consumer reporting agencies. 
We wont charge late fees. 

Assistance began on the date you contacted us It will end on XX/XX/2022. This date is 90 days after XXXX declared the county a disaster area. 

Youll receive a letter soon that has more details This letter will include information about what to do if your home is damaged and how you can make up any payments you miss. If you dont receive this letter, please contact us. 


XXXX XXXX Department Wells Fargo Home Mortgage XXXX XXXX Learn more about disaster assistance Read about our disaster recovery process XXXX XXXX Additional resources Find a variety of disaster relief resources at XXXX XXXXXXXX XXXX  Read about your insurance claim check XXXXwellsfargo XXXX XXXX  Reach out for disaster help XXXX XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  to XXXXXXXX XXXX Central Time Prefer email? 

Click " reply '' button and type us your response. 
A representative will then be available to assist you.

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$2600.00} XXXX  XXXX XX/XX/XXXX {$1900.00} XXXX XX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CO

Complaint narrative:
XXXX XXXX has been trying to collect a debt that is invalid for several years now. The debt is for the amount of {$190.00} for unreturned equipment. I sent the debt collector proof on multiple occasions that my XXXX equipment was returned to a XXXX store on XX/XX/2021. I sent receipts. I followed their guidelines exactly to return the equipment. I emailed them on XX/XX/XXXX and sent a physical letter a few days later. Now it looks like a new collection agency took over this account and are trying to collect again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Fig Tech Inc.
State: FL

Complaint narrative:
A scam artist came across my social media profile online. His name is XXXX XXXX. He works for the United States Military and demanded my information after I declined several times he sent me pictures of him holding military graft firearms. He asked for my drivers license, address, school, bank information, and social security number. He began applying for credit cards to use at his discretion under my name. When I saw text messages from some of the companies I told him to stop applying under my name but he refused. He even went so far as to forge my signature and tried to provide them with copies of my personal documents such as drivers license, etc to make the companies think it was actually me applying for the accounts. I was charged for an amount by Fig Loans that later reported the fraudulent credit late on my credit report. This lowered my score along with all of the credit card company applications that fraudulently applied for by identity theft. Fig loans also billed my personal bank account and never refunded me the amount. I tried calling the company but they never answer. I also tried emailing them but when I did they stated they did not have my information in their system. This is contradictory to them reporting late payments in my credit report with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: MO

Complaint narrative:
XXXX is reporting the following incorrect addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian is reporting the following incorrect addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-28 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: IL

Complaint narrative:
I was a tenant of XXXX XXXX ( a community owned by XXXX  XXXX XXXX XXXX XXXX ). I moved out of this unit XXXX of XXXX. Prior to my move out, I completed a walk-through with a staff member of the management office. At the completion of the walk through, the staff member was pleased with the condition of the unit. There was no damage beyond normal wear and tear. 
Fast forward to XXXX, I noticed a collection amount for {$4400.00}. I have contacted XXXX by phone and in person many times and was ultimately told that the XXXX who billed me was no longer with the company and therefore they could not easily access my file with the proof of this allegation. They did not return my calls, nor did they provide any addition help with this matter. I have called the XXXX XXXX  XXXX corporate office and I got no answer or no response. There has been no actions or responses taken by the company. I have reached out many times. 
I do not know what to do at this point. I did not damage the property. It is incredibly unfair to charge someone {$4400.00} for unproven damages in an apartment with such poor quality materials and service. I have had a countless amount of issues during my time living at XXXX XXXX. 
This collection on my credit has completely blocked me from seeking housing for me and my children and no matter how much I pay my bills on time, this continues to be a hindrance. And what is most unfair is that this company did not even care to validate this before placing it onto a persons credit.

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 2022-12-28 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:
XXXX and Equifax has an incorrect address and name tied to my ssn that Im not familiar with and its been hindering my credit for years.Everytime a financial institution runs my credit, its always there and I just want it gone.Thanks and XXXX bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: LEXISNEXIS
State: MI

Complaint narrative:
XXXX and XXXX has an incorrect address and name tied to my ssn that Im not familiar with and its been hindering my credit for years.Everytime a financial institution runs my credit, its always there and I just want it gone.Thanks and XXXX bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I submitted an credit application after I was sent an email saying that I was pre-approved for a credit card. So I completed the application and the credit decision came back a few days later saying that I was denied because my application is incomplete and needed verification. The credit decision letters are attached. The very next day next morning, I called into your customer service to complete the verification to complete my application. 

After having the call escalated the representative told me that they would have your department review this information to complete my verification. As soon as I hung up with capital one I then received another email after I got off of the phone with the representative stating that application has been denied again. This time a different date was on this letter. 

As of today XX/XX/2022 I have not heard from capital one in regards to this matter. My credit report has been negatively affected by the inquiry, causing my XXXX XXXX to decrease but also denied me for reasons that is untrue as I am a capital one customer. I have a checking account and I also have a secured card with capital one already, so there was no way that a verification process can not be completed. Capital one also admitted calling me from a blocked number after XXXX to complete this verification which Im sure most people do not answer block calls. Capital one states my denial is due to non verification when I called and verified my information and was still denied. I never received a denial letter stating why and when i called the multiple reps i have been transferred to tells me different responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc.
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: GA

Complaint narrative:
the servicer has elected to choose the budget that was tentative which is relating to the XXXX XXXX program with the XXXX XXXXXXXX XXXX. Nelnet has deliberately refused to review all the paperwork despite their XXXX  agent advises me that they would only adjust the excess that was relating to room and board. I have attached the confirmed budget that shows I was billed for room and board between XXXX budget financial year. Why is Nelnet is being deceptive and failed to do what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: UT

Complaint narrative:
Due to a few financial issues, a loan with GM financial was delayed is getting paid off completely. As the loan contract expired, I was behind with XXXX payment. I payed that amount and had XXXX left to payoff the loan. I attempted to contact GM Financial to negotiate a payoff amount since the entire balance remaining was related to late fees. They would not meet the expectation, which is fine, that is there prerogative, but when I went to make the payment, I was told that I could not use the online system or a payment with an agent because the loan was no longer active. 

I was told I needed to mail a check, but the payoff was only good for 7 days. I don't know how, in the current world that we live in that they can make it so difficult to payoff the loan, unless it's designed to elongate the process and allow them to add additional fees, thus keeping me on the hook for even longer. 

I feel I have completed due diligence to get the loan paid off completely and I feel like at this point all of the remaining balance are fees ( not interest fees that were agreed upon when setting up the contracted loan amount ). The late fees are something that they can adjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 consumers rights to privacy under 15 USC 1681. 
XXXX XXXX XXXX Texas : Docket # 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  All the above listed has violated my rights. 
Under 15 U.S.C. 1681 s 602 ( a ), I have the right to privacy.

Under 15 U.S.C. 1681 s 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ), 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. 1681-s2 ( A ) ( 1 ), A person shall not furnish any information relating to a 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 2022-12-28 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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