vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I scheduled a credit card payment for {$75.00} instead they charged me the full balance of {$6400.00}. I called the credit card company instantly the morning the payment was pending. They said that theres absolutely nothing they could do which I do not believe And I think that this is negligence and malpractice.

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 2024-12-12 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: OK

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 confidentially under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX User Social XXXX Account Name : XXXX XXXX XXXX User Social XXXX Account Name : XXXX XXXX User Social XXXX Account Name : XXXX  User Social XXXX Account Name : XXXX XXXX User Social XXXX Account Name : XXXX XXXX  User Social XXXX Account Name : XXXX User Social XXXX Account Name : XXXX XXXX User Social XXXX Account Name : XXXX XXXX XXXX XXXX User social XXXX Account Name : XXXX User Social XXXX All Acccounts Have Violated My Rights 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. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
My car was repossessed on XX/XX/XXXX. Hyundai Finance company was called and provided reinstatement amount for the car loan and where the car was being held. Car was sent to XXXX NJ to be auctioned off. XX/XX/XXXX Hyundai Finance was called and the amount to reinstate the car loan was paid ( over the phone with mother and father as witnesses on a conference call ) to the amount of XXXX ; Hyundai Finance claimed Letter of Release was sent on Friday XX/XX/XXXX. Monday XX/XX/XXXX XXXX NJ was called to set appointment to pick up car. XXXX NJ claimed the Letter of Release sent by Email was not received and processed. Call placed to Hyundai Finance regarding matter. Hyundai finance claimed Letter of Release was sent. Hyundai Finance sent another Letter of Release. 

Tuesday XX/XX/XXXX XXXX NJ called again to set up appointment ; again was informed that Letter of Release was not received and processed. Call placed to Hyundai Finance again regarding matter. Hyundai finance again claims that the Letter of Release was sent both on the XX/XX/XXXX and XX/XX/XXXX. Hyundai Finance sends another Letter of Release via email. Hyundai finance questioned about the possibility of them calling over to ensure email was received. Hyundai finance refused to call XXXX NJ to ensure email was received instead instructing me to call XXXX NJ again despite having no proof they have actually sent the email. 

XX/XX/XXXX XXXX NJ called again to schedule appointment and once again informed the Letter of Release was not received. Hyundai finance called again and informed of situation. Despite having knowledge that last emails containing the Letter of Release have not been received by XXXX NJ, Hyundai Finance sends another Letter of Release via email. I requested Hyundai Finance to forward the email to my personal account for proof but was denied stating they could not forward me the email because it was not " processed. '' I still do not have my car despite the fact the amount to reinstate the loan ( which was provided to me by the company ) was paid, multiple claims of Hyundai finance sending letters ( on the XXXX, XXXX, and XX/XX/XXXX and XX/XX/XXXX ) which according to XXXX NJ would be processed in 3-4 hours or sometimes 24-48 hours, and XXXX NJ claiming they never received any Letter of Release from Hyundai Finance. Hyundai Finance refuses to call XXXX to ensure the email is received or provide me with proof that the email was sent. I have no other choice but to file a complaint for disingenuous business practices.

I have attached two documents one which shows I paid the amount to reinstate the car loan and another which show that I have another payment due on XX/XX/XXXX which proves that the car loan was reinstated.

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 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I had a BBVA Credit card account only, since I believe XXXX. They had an account APP or customer service number you could call to make a Credit card Payment. In XXXX XXXX XXXX PNC purchased BBVA  and sent a letter stating they had purchased BBVA and gave a customer service number and an APP to switch to, so I followed the instructions and did both, only to find out the APP required a checking account number to access. Then I called customer service it was an automated answer requiring me to put in my checking account number to access. then I tried to call the nearest branch to XXXX XXXX Az, no way to speak to anyone without account number. I continued to try to call and access the XXXX  around twice a month for the next three months.

Then the games started, my phone started ringing when I was 4 months late, stating I needed to pay around {$500.00} for the last four months. I explaine
d to him I do not have a checking account with them, and that there is no way to pay for me other than waiting for late payment calls, he said to go into the branch and pay, I explained it was over XXXX miles away. He stated they should have it resolved soon, as I continued to try to access my account for months to no avail. When I called the collection company, they hired to contact me on XX/XX/XXXX I Paid this in full.

There is no way I can be the only Credit Card
Customer this has happened to with these guys. My credit now has multiple 90 day lates on it from this Bank and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: GA

Complaint narrative:
I checked my credit report and a notice increase that I didnt authorize nor do I recognize these inquiries are fraudulent and I and I reached out to the credit bureau only not to get any help. They told me that I need an FTC report. I told him I already had one and I sent it out. They told me that they couldnt see it, which led me to the point to file a complaint with the CFPB because Im all out of options I have already filed the complaint with the FTC, but there are so many inquiries that I could not put them all on one report starting ( XXXX  XXXX : XX/XX/2024/XX/XX/XXXX, XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
I applied for loan forgiveness through the Department of Education under President Biden and XXXX XXXX 's loan forgiveness plan. 

I was approved for forgiveness and MOHELA is sending wrong balances and not correcting my account. MOHELA is not responding to my request for updates and written verification of the new loan balance, if any. I also requested that they update the correct information with all 3 credit bureaus, ( XXXX, XXXX XXXX, and XXXX ). 

As of this XXXX day of XXXX, 2024, my reports have not reflected the correct information nor have any records of my balance and account history been provided to me per my many requests. 

I feel that MOHELA is purposely delaying correct information from me and not submitting the correct information is hindering my ability to purchase a home and a vehicle. The neglect that MOHELA is providing is against the FRCA. They suppose to report any and all changes to the reporting bureaus that they submit our information to. The information must be accurate and up-to-date, Mohela have failed me in the process and thereby they have continued to report false and misleading information, hurting my credit score and denying me credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: MA

Complaint narrative:
Dear Sir/Madam, I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f.

2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state.

4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments.

Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct. 
Moreover, under the doctrine of estoppel by silence ( XXXX v. XXXX, XXXX XXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days. 
I demand the immediate removal of this account from my credit report if you fail to provide the requested documents. I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney General if necessary. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: NV

Complaint narrative:
SELF/SSTATBK- closed XX/XX/year> All accounts were disputed once I seen on my credit report and came back as deleted but still shows on my report This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: IL

Complaint narrative:
After notifying XXXX XXXX and Transunion of unauthorized transactions being reported on my consumer credit report. They both continue to actively report inaccurate information on my report. This is a direct violation of my Consumer rights and the FCRAs Transunion responded that it resolved the investigation and deleted the account yet less than a week later it is still reporting inaccurately on my account. 
The companies have yet to prove that this information is verfied. 
The companies, despite knowingly being alerted continue to be in violation of the law.

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 2024-12-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I contacted Synchrony Bank before XXXX to advise their employee that I had a CD ending in XXXX maturing XXXX and their employee repeated advise me that the promotional 9 month APY rate of 4.3 % would still be valid on my XXXX renewal date despite the end of their promotional date since I had provided renewal instructions before the end of the promotion! 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 2024-12-12 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: NY

Complaint narrative:
The addresses on my credit report do not belong to me. I currently have one address only, which is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. Any other address should be removed from my credit report. As per Equifax and XXXX, they're currently reporting old/incorrect address on my credit report which are : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: DISCOVER BANK
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, under section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, of which only two are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: GA

Complaint narrative:
am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts XXXXnsumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: GA

Complaint narrative:
am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

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