vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was reviewing my credit report and noticed multiple inquiries from your company that I dont recall authorizing. This has me really concerned, as theyre affecting my credit score and causing unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: AZ

Complaint narrative:
I am seeking your help with the false account being shown on my credit report. This has impacted my reputation as a customer, and I require your support. Please remove these accounts, as they are reported inaccurately and harmfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
XXXX XXXX XXXX has request to have the {$5200.00} secured loan removed from my credit report, as it was incorrectly added due to a data breach. However, Transunion has yet to remove it after over 20 attempts made by myself and the creditor. I demand that this be removed from my Transunion credit report immediately, as it is not accurately reporting, nor does it aligned with the other credit bureaus. Transunion has caused me extreme hardship, as this incorrect information has negatively impacted my credit score, preventing me from securing housing. I am in desperate need of shelter, but constantly denied due to Transunion 's negligence.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-13 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
THIS COMPANY IS EXTORTING FUNDS FROM ME STATING THAT I OWE THEM SOMETHING, I WANT THEM TO PROVE TO ME THAT I OWE THE DEBT. THEY CAN NOT VALIDATE THE DEBT. THEY HAVE USED A FICTITIOUS NAME. 18USC 8 CODES STATES WHO OWE ALL DEBT OBLIGATION OR OTHER SECURITY OF THE UNITED STATES. I WANT THEM DO VALIDATE ALL CLAIMS WITHIN 14 DAYS AND REPAY ALL FUNDS BACK FROM THEIR FRUAD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
Early in XXXX of this year ( XXXX  ) my wife was involved in a collision that resulted in our XXXX XXXX XXXX being " totalled '' by an adjuster prior to the end of that month. Hyundai was notified of this prior to the end of that month and the vehicle was released to them. The following month ( XX/XX/year> ) HMF ( Hyundai ) contacted me to say we owed our XXXX payment. After discussing the issue and that our payment for XXXX was made, they agreed that the remaining balance should be covered by their Gap insurance policy which we had purchased thru HMF when purchasing the vehicle.

Approximately 2 months later we began receiving letters from Hyundai that we owed a balance of XXXX dollars. I called and after lengthy phone conversation they agreed that since the Gap insurance was through their own company they would resolve this and I should consider the matter resolved. 
About XXXX we received more mail stating that we owed a final monthly payment on the vehicle and the remaining balance of XXXX on the vehicle. After another lengthy phone conversation with their collections and also their finance departments. They stated that they would reach out again to their Gap insurance department to resolve the unpaid balance on the vehicle. In XXXX I was notified by XXXX that Hyundai was reporting delinquent/ missed payments that had affected my credit score.

I called Hyundai again and they stated that they had not received correspondence from the Gap insurance department since XX/XX/XXXX and that I should reach out to them to get the payment resolved. I reminded the Hyundai representative that this Gap insurance was through their own company. After being put on a lengthy hold, the rep said they had contacted the Gap insurance and I should consider the matter resolved.

Today I received a letter from a collection agency attempting to collect payment for Hyundai for the remaining XXXX balance on the XXXX. 
After 8 months of phone calls and fighting with Hyundai I wish to lodge a complaint, I'm at a loss as to how to resolve this problem. Communication with this company seems meaningless and a waste of time.

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 2024-11-13 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: FL

Complaint narrative:
Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my husband recently reviewed and found multiple accounts that have been opened in my name without my knowledge and they were removed, and they came back without notifying me and this is against the law. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, 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

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 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
im writing to complain about my credit report i ve recently checked it and noticed and there aree inaccurate items on my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$790.00} portfolio recovery opened XX/XX/XXXX {$400.00} these accounts were not opened by me these accounts are violations of law 15 usc 1681s-2 nobody shall report to not furnish any information relating to a consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate these need accounts should be deleted and removed within 4 days of recieving this i also reqquest all writting statements to be sent to my email

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I contacted Wells Fargo on or around XXXX XXXX. I was transferred to XXXX, employee # XXXX. I informed XXXX that i suspected some fraudulent activity on my account. I requested a review and i also requested that my card ending XXXX be cancelled and replaced. In which it was replaced, but i never activated it. My question were never resolved and i was subsequently charged several nfs fees based on an {$80.00} debit that was never submitted to the creditor, XXXX XXXX. I contacted the XXXX XXXX, spoke with a XXXX in the corporate office. XXXX informed me that the {$80.00} was never received by their office, and that my membership had lapsed due to non use for 6 months or more. So there was no fee due them. 

Wells eventually refunded the {$80.00}, but refused to credit all the nfs fees associated with such. I made several calls there after, concerning such, and pertaining to the fraud, with no response, and, my account was closed.

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 2024-11-13 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Collection Systems, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Accounts ; # XXXX have violated my rights. 

I requested a copy of the agreement I signed with the company when I allegedly opened this account and they couldnt provide me any information This debt was resolved on in 2021 with the company in the amount of {$2200.00} 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 15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor ac
tual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.Rather than taking legal action, I'd prefer these accounts be removed immediately and indefinitely as I did not consent to any company to open an account on my behalf. Nor did I settle with the previous debt collector to then have the same debt come back and negatively impact my credit score years after.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Dear who may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The collection agency never sent me an agreement to confirm they rightfully own the debt and are licensed to collect in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I do not owe this debt. I have contacted infinite and I do not owe this debt. They never updated the system after all claims were paid and attached is a copy of the paperwork to prove I don't owe anything to infinite or to this company that I have never heard of nor have a contract with. That also does not have a license to practice in my state. 
Please update your system and also remove this off my credit and don't contact me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
On XX/XX/year> I used my PayPal Credit account to purchase an item for {$160.00} from XXXX and on XX/XX/year> I scheduled a automatic payment for XX/XX/year> to make my payment I setup a payment for the full amount of {$160.00}. On XX/XX/year> I received a payment confirmation email from PayPal Credit and again on XX/XX/year> and again on XX/XX/year> for all XXXX payments I made. During those XXXX of XXXX days, i can't recall exactly when, I received a phone call from a PayPal Credit representative notifiying me they were returning my payment and stating that they never received my payment, on that call I updated my home address and was notified they would be sending a check for the first over payment. On that same call I submitted another payment of {$160.00}. On XX/XX/year> I received an email from PayPal Credit that they were returning my payment I made my payment again and they stated they never received the payment so I again made another payment. I was sent 2 physical checks one on XX/XX/year> for {$160.00} and the and was notified that once I cashed the check my account would show a {$0.00} balance. On XX/XX/year> I received another check for {$160.00} for another over payment I made being told once again that my account would show a {$0.00} balance after I cashed the check. They have been paid {$480.00} and have returned {$320.00}. They now claim that they never received any payment from me and expect me to pay another {$160.00}. They are stealing money from me then when I tell them they are stealing my money they send a portion of what they stole back to me and are still telling me to send them more money. 

I have attached screenshots of emails showing the payments made their dates and photos of the physcial checks sent to me as well as a screenshot from my bank account showing the payment posted on XX/XX/year> and was taken out of my account. I was never returned this money only the XXXX over payments. 

I am asking the CFPB to have this company update my account appropriately and show the {$0.00} balance. I am requesting PayPal Credit to send me all the documents they have on this account and times that we have spoken on the phone. Once my account is updated to show my {$0.00} balance. I wish to never do business with this money stealing company ever again. Stop attempting to collect this account that is PAID

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
APPLY FOR A PERSONAL FROM MY BANK I WAS DENIED BECAUSE OF NO CREDIT HISTORY AMOUNT OF {$15000.00} FROM OLD NATIOAL BANK CREDIT REPORTING ANGENCY TRANSUNION DATED XXXX APPLICATION NUMBER 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 2024-11-13 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:
Discovering that I've been a victim of identity theft has been incredibly stressful. Someone used my personal information, resulting in unauthorized accounts and activities appearing on my credit reportaccounts I had no idea about and never had any involvement with. Realizing how serious this was, I acted right away. I contacted TransUnion, and they told me to file a report with the Federal Trade Commission ( FTC ), which I did immediately. I forwarded the report, hoping it would help get these false items removed quickly. However, despite all my efforts, the fraudulent entries are still there, and its been frustrating and concerning to think about the lasting impact this could have on my credit and financial stability.

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