vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions. 

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Kia Motors Finance is trying to unlawfully force me to pay an extra {$7200.00} through XXXX. This is for a vehicle lease that has already been paid in full. On XX/XX/2022, I received the Insurance BUYOUT QUOTE from Kia Motors Finance directly. I immediately forwarded this information to my insurance company, XXXX XXXX, who in turn sent a check for the full amount of {$31000.00} directly to Kia Motors Finance. Kia was incredibly difficult to work with, provided no quote over the phone, and I had to go onto their website to find this information. XXXX XXXX tried numerous times to call and receive the payoff amount and was denied this information. After my fourth call to Kia, someone finally helped me find this payoff information. If you inspect the buyout quote I uploaded, it shows the reason for the buyout quote as INSURANCE, and shows the amount of {$31000.00} as being good through XX/XX/2022. If you look at the next document, it shows XXXX XXXX sent them the payoff of XX/XX/2022, well before the expiration date of XX/XX/2022. They have since tried to change the amount we owe them illegally. They have been harassing my husband by calling his phone number three times a day even though we gave them the correct number many times. When I try to call them back to speak with them, they keep me on hold for hours and then hang up on me, never speaking to me. When I answer a call they make to my husbands phone, its just a recording to call them. They are intentionally not talking with me or working with me. They made it clear either I pay them extra money, or they go after my credit. In a letter they recently sent me, they are stating that they will " charge off '' this amount in a couple weeks and try to destroy my credit. I am a hardworking immigrant and military spouse who has been paying all my legitimate bills on time for years trying to build up my credit and provide a good life for my children. Please help me with this immoral company abusing their power to hurt me and force me to pay unsubstantiated money. I never would have imagined a company as large and trusted as Kia to be so bad. How can a company say they are owed a certain amount, get paid that amount, and then try to change what they are owed after they have been paid??? THIS IS EXTORTION!!!

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 2022-11-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-11-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Park Hill Holdings
State: MD

Complaint narrative:
On XXXX, I submitted a CFPB complaint to receive the data that was shared to XXXX XXXX XXXX XXXX XXXX. SafeRent Solutions LLC is a reseller consumer reporting agency that provides tenant screening reports to its clients who are typically property management companies, landlords, and apartment complexes in the multi-family housing industry to support their evaluation of housing eligibility of an applicant. I'm concerned about my privacy as I do not recall signing anything to give SafeRent Solutions LLC my consent to to share my personal information. If I am mistaken, please send documentation with my acknowledgement and signature of agreeing to this. If I never consented to this, who authorized these transactions? I do not have any POA or authorized rep on the record who I've authorized to speak on my behalf.

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 2022-11-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions. 

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX Is my file the lender and XXXX XXXX fix the verbiage after you contacted them my credit score was returned back XXXX points they dropped in XXXX  day to XXXX then a week later Bof A again in retaliation sent letter in XX/XX/XXXX and dropped my score XXXX points the notice that resolved said I met the requirements to fix score and a week later that victimized me again

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 2022-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
The 3 Credit bureaus do not have my permission to report anything and I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: IL

Complaint narrative:
I've already disputed these items with bureaus 7 months ago, more than 3 times, and they have agreed to delete this incorrect information, and it still has not been removed from my consumer 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 non-monetary relief
Consumer complaint received 2022-11-17 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..

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 2022-11-17 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I called in XXXX and opened an account but my offer of {$220.00} for new checking was not added so the phone agent said they could do {$200.00} instead because {$220.00} was not available anymore even though i let them know i had a mailer XXXX a code. fast forward to XXXX i tried to call and give them the mailer code for the additional {$25.00} and they refused to honor the mailer saying its not available again. I reminded them i previously called when i opened the account and still they would not honor the mailer i had originally referred to even though i had mailer in my hand with code which states {$220.00} for new checking and expires XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
The XXXX Credit bureaus do not have my permission to report anything and I have the right to privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We ( myself and my daughter ) have tried unsuccessfully to open a fraud investigation with Bank of America since XX/XX/XXXX as a large sum of money was recently noticed to be missing from my checking account. On XX/XX/XXXX we called a started to give Bank of America dates and sums of some of the transactions- most in XXXX XXXX were ATM withdrawals of {$200.00} on a regular basis sometimes up to 4 times a day. Bank of America could not finish filing my claim because I did not have the ATM/debit card number associated with my account even though they had my ( now ) closed account number. We called back on XX/XX/XXXX to try to finish opening a case/claim but were unsuccessful again. I am an elderly man in his XXXX 's who is a naturalized citizen who speaks no XXXX and is not technologically savvy and even with my daughter 's help, we are getting the run around. The amount taken from my checking account just in XXXX alone is {$120000.00}. We have yet to receive the statements from Bank of America for XXXX after two weeks of waiting. I am also upset that when these transactions took place, the bank never called me to notify of such suspicious activity.

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 2022-11-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX Is my file the lender and Trans union fix the verbiage after you contacted them my credit score was returned back XXXX points they dropped in 1 day to XXXX then a week later XXXX XXXX again in retaliation sent letter in XX/XX/XXXX and dropped my score XXXX points the notice that resolved said I met the requirements to fix score and a week later that victimized me again

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 2022-11-17 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: IL

Complaint narrative:
I've already disputed these items with bureaus 7 months ago, more than 3 times, and they have agreed to delete this incorrect information, and it still has not been removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: IL

Complaint narrative:
I've already disputed these items with bureaus 7 months ago, more than 3 times, and they have agreed to delete this incorrect information, and it still has not been removed from my consumer 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 2022-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Self Financial Inc.
State: OH

Complaint narrative:
The XXXX credit bureaus do not have my permission to report anything and I have the right to privacy

Company response to consumer: Closed with explanation