vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I filed arbitration against XXXX and TransUnion, and they refused to go to arbitration. I got a notice from the XXXX that they are being kicked out of arbitration due to a pattern of failures to comply with XXXX policies regarding consumer claims, including not paying arbitration fees. Per the attached correspondence I received from XXXX, XXXX is banning them from arbitration entirely. This is violating my arbitration agreement as well as the Colorado Revised Statutes 5-18-116. The XXXX. specifically provides that XXXX be the forum for arbitration in consumer reporting/ CRA matters. The law does not give me a backup forum to use nor have I heard from XXXX and TransUnion 's legal departments to know if they received my demands. XXXX and TransUnion are willfully ignoring my rights, breaching their contract, and obstructing my ability to enforce my rights under the legislation that governs them.

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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AL

Complaint narrative:
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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2023-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Rep stated deferment was denied due to documents not being received in timely manner. Document received from Kia finance via email from their XXXX XXXX on XX/XX/2023, I signed the document within the XXXX XXXX on XXXX XXXX at XXXX... received a confirmation email showing I had signed the document along with a final copy of the agreement for my records. Kia statement and reason for denial is false and has negatively impacted my and the cosigner 's credit reports leading to denial of loans and extensions of credit. Documents were received, signed and returned within Kia 's XXXX XXXX. I never received a letter or email stating I hadn't returned the document or that the deferment was denied for any reason. The receipt I have states it was returned and accepted and I was given a copy of the final signed document showing it was completed. I did not receive any additional phone calls from Kia after XX/XX/XXXX until XX/XX/XXXX, of which were not answered until the XXXX due to my being at XXXX with co-signer who is in XXXX due to an auto accident that occurred at the end of XXXX, beginning of XXXX and was part of reason for deferment request. My being XXXX for XXXX at end of XXXX was other reason for deferment request. Kia rep stated they did not receive signed document and stated I had to make a payment because I was now in default, and without a payment I could not request a new deferment. I explained I had an email confirmation of deferment agreement on XX/XX/2023 but was told it did not matter because it was denied. When I asked to speak with the department who denied it I was told no one could speak with that department, not even they, the customer service rep, could speak with them directly. But my concerns would be sent to them after I made a payment. After payment I was directed to call back to request a new deferment and notes about my issue with orig deferment denial would be on account. No one could address the issue of the denial or issue with my credit being negatively affected. I can not forward emails or documents within email linked to Kia 's XXXX system, but I have attached screenshots of header information. Their XXXX XXXX is 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 2023-11-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Under California Middle Class Tax Refund ( https : //www.ftb.ca.gov/about-ftb/newsroom/middle-class-tax-refund/index.html ), I received a {$1500.00} refund. California Franchise Tax Board ( FTB ) outsourced Money Network Financial , LLC to issue a prepaid debit card which I never received. After so many attempts to figure out why I did not receive it, finally, Money Network was finally able to verify my account and re-issued a debit card to me, and then I found out the original card was stolen and money was withdrawn from various ATM machines without my authorization. I reached out to FTB originally about this incident and was informed FTB can not help and Money Network will need to assist me with this. I filed complaints and disputes against Money Network, but they never officially responded. I reached out to Money Network multiple times and finally, I was able to speak with someone over the phone, and they denied my dispute. I never received the original debit card and my money was withdrawn without my authorization. I have filed a policy report at the local XXXX Police Department. Case number can be provided upon request. I need my money back. Lastly, financial regulations and authorities are very complex. If CFPB is not an appropriate regulatory body to handle my case, please refer the right authority so I can resolve my issue.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
my information was sold and bought illegally because I was victim of the Equifax data breach I want these items Deleted from my credit report effective immediately I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing .Please help me delete these illegal accounts from my credit reports. 

US DEPT. OF EDUCATIONXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XX/XX/XXXX an account was opened with Westlake Financial Services , with me as a cosigner to this auto loan. 

2.The respective owner of the car made payments from XX/XX/XXXX - XX/XX/XXXX. 

XXXX. The account was deemed 30 days late on payment on XX/XX/XXXX, followed by a " Repossession '' status from XX/XX/XXXX - XX/XX/XXXX, then to a " Charge Off '' status from XXXX Current.

4. On the first week of XXXX of XXXX, I had received a letter from XXXX XXXX and XXXXXXXX XXXX XXXX XXXX representing said company reaching out to me to with a claim that Westlake Financial Services filed against me. 

5.Assuming, they reached out to both me and the primary account holder to get the debt taken care of, I believe I was the only one to reach back out to actually settle the account. 

XXXX. With the negative impact this account made on my creditworthiness as an individual all around, I contacted the law office back and we've come to an agreement to settle the account for less than what it was owed from {$3500.00} down to {$2600.00}. 

XXXX. I set up an online account to pay {$74.00} monthly for 36 months to satisfy the account. I however took 10 months to satisfy the debt and pay it off. The date of the last payment was XX/XX/XXXX to which I made a call to the law office in the amount of {$1800.00}. 

XXXX was informed that a letter of satisfaction would be sent to me and expect to receive it within 7 business days. When that was not the case and did not receive said letter within the allotted time frame, I had to contact XXXX XXXX and XXXX again to request the letter be sent out to me. I finally received the letter with it dated on XX/XX/XXXX. 

9. Now I have been trying to contact Westlake Financial Services in regards with them still reporting the account with a balance, when it was obviously settled and paid, it should've been closed on their end with a {$0.00} balance. Every time i call them, I get transferred to their litigation department, where even then they still have limited information on how they can help me. They say i should receive a " call '' from their attorney, but I still have not received any kind of contact from them.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
these companies have violated my consumer rights, lied and said that the things in question have been verified by XXXX. That was not true, as XXXX reported that they have not confirmed anything neither were they reporting said items. 
( see copies of laws violated ) These XXXX agencies have no right to violate my privacy, nor did I give them authorization to report anything about me. 
I want this information removed ASAP since it only takes XXXX to XXXX days to confirm false information. I also want a check sent to my mailing address for ALL VIOLATIONS PER COMPANY. {$1000.00} per violation each! 
I also want my scores restore back to the XXXX plus range per agency. 

Thank You XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request a verification of record that the address showing on this statement is my correct address. If you can not provide a statement that matches the address on my credit report, please delete this account immediately under the FCRA. Also, please delete any duplicate addresses reporting on this 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 2023-11-22 00:00:00
Product: Credit reporting 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 am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-22 00:00:00
Product: Credit reporting 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 have an UNAUTHORIZED credit account such as XXXX XXXX XXXX ( Acct # : XXXX ) ( XXXX XXXX and XXXX XXXX XXXX  ( Acct # : XXXX ) ( Trans-union ) XXXX I also have an UNAUTHORIZED hard inquiry - XXXX XXXX ( XXXX XXXX XXXX I also have an account that is inaccurately reporting on my credit report as well XXXX ( Acct # : XXXX  ) ( Transunion ).

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Notice theres was a public record on my profile with equifax disputed the information with equifax. Equifax had the dispute in place since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone applied for a Chase Sapphire Credit Card online and it wasn't me. I received an inquiry notification from a credit monitoring service. I called Chase to tell them the application was fraudulent and they declined it. They will not give me information on the credit application or ip address. I been targeted before by family members before for credit and Im trying to determine who applied for it. They will not give me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I got a {$300.00} Amex gift card. I was unable to use the gift card at online stores like XXXX, XXXX, XXXX, and XXXX. I also tried adding the gift card to my XXXX XXXX and I was not able to use it at restaurants and shops.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: PA

Complaint narrative:
Harrasing family members when I told them to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts has violated my rights. 

XXXX ) XXXX XXXXXXXX account # : XXXX XXXX ) XXXX XXXX XXXX account # : XXXX These accounts are fraudulent accounts. 

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 an 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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts has violated my rights. 

XXXX ) XXXX XXXX account # : XXXX XXXX ) XXXX XXXX XXXX account # : XXXX These accounts are fraudulent accounts. 

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 an 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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts has violated my rights. 

XXXX ) XXXX XXXXXXXX account # : XXXX XXXX ) XXXX XXXX XXXX account # : XXXX These accounts are fraudulent accounts. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-22 00:00:00
Product: Credit reporting 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 am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation