vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: NV

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 XXXX5 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I have paid a debt years ago in full of {$150.00} Credit Collection Services. 
It has no reappeared on all 3 credit reports reporting XX/XX/year>. Please have them remove this immediately. The also never came to me with an official signed contract. Nor did I authorize this debt collector to have any debt of mine. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
In XX/XX/2024, a payment to GM Financial was incorrectly reported as late to the credit bureaus. Upon discovering this error, I contacted GM Financial to dispute the late payment. I spoke with a XXXX who agreed to submit a dispute to the credit bureaus to correct this error. However, as of today, I have not received confirmation that this dispute was actually submitted. 
I have made multiple attempts to follow up with GM Financial 's customer service to verify if the dispute was submitted as promised. Despite these efforts, I have not received clear confirmation that the necessary steps have been taken to correct this error on my credit report. 
This incorrectly reported late payment has negatively impacted my XXXX XXXX. I am seeking to have GM Financial follow through on their commitment to submit the dispute to the credit bureaus and to have the late payment for XX/XX/2024 removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: KY

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
When I pay additional funds beyond the payment amount, they just add more interest payment, rather then apply to extra to the principle balance. 
I'll give you an real life example from the Kia Finance site. 
the payment due is XXXX. 
XX/XX/year> I sent XXXX, they apply XXXX to principle and XXXX to interest. 
XX/XX/year> I sent XXXX, they apply XXXX to principle and XXXX to interest. 
XX/XX/year> I sent XXXX, they apply XXXX to principle and XXXX to interest. 
XX/XX/year> I sent XXXX, they apply XXXX to principle and XXXX to interest. 
XX/XX/year> I sent XXXX, they apply XXXX to principle and XXXX to interest. 
XX/XX/year> ( no payment due ) I sent XXXX, they apply XXXX to principle and XXXX to interest. I called and complained, they made the adjustment. 
XX/XX/year> ( no payment due ) I sent XXXX, they apply XXXX to principle and XXXX to interest. 
I have called 4 times including today. I was told just as in the past that it will be corrected. 
I was also informed that I need to call them each month so they can apply the additional payment to principle. 
I've had car loans with others, that automatically any additional to the principle.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
My account was originally with the department of education. It was moved to Mohela when the pandemic hit. It was then transferred back to the department of education. I paid the balance in full to department of education. The department of education sent me a letter stating that my account is closed and paid. They reported that information to the credit bureaus. Mohela turned around and reported that it was open. I called them and asked them to report it to all credit bureaus as closed. They said they did and that was a lie. Please help me to get them to report that my account is paid in full and ask them to notify the credit bureaus. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The truck keeps breaking down and I decided to volunteer surrender repossession back to the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a XXXX XXXXXXXX XXXX and XXXX plus was automatically billing me XXXX per month and the bill was sent by email paperless which I did not ask for and will never let happen again. My email server was XXXX XXXX is no longer in business and was informed this address was no longer good so I changed to XXXX. I had changed the automatic bill to my Citi double cash but charges for XX/XX/year> XXXX were put on card XX/XX/year> XXXX XXXX intrest XXXX no XXXX bill XXXX fee XXXX XXXX interest XXXX XXXX fee XXXX interest XXXX XX/XX/year> XXXX XXXX XX/XX/year> credit account XXXX. I guess they wrote it off and put restricted on account. All because of paperless billing and I had overlooked address as I did not plan on using this card now. Tried to call XXXX XXXX and ask to help get my credit score back to XXXX and could not get anything accomplished no plain XXXX XXXX people I could understand nor I don't see how they understood me. This lowered my score XXXX points. Every account they track me on says paid in full never late. Capital XXXX had my phone number and did not to attempt to notify me. This has ruined my credit score!!

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 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize these inquiries, and I have asked for them to be removed, and the bureaus did not do as I asked. I am providing an identity theft report which will be attached. I am requesting the following inquiries to be removed because the inquiries are in accurate and not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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:
I checked my credit on credit karma and found an opened line of credit that was not XXXX that I applied for or received monies from the LOC. The report showed that XXXX XXXX XXXX of credit opened a line of credit on XX/XX/year> for {$4300.00} ( highest balance ). XXXX payments were made for {$72.00} each in XXXX and XXXX. The account was closed on XX/XX/year>. I filed a dispute with the transunion XXXX XXXX and they responded that the information was deemed correct. I know it is not correct because I never opened that line of credit nor did I receive any monies from this transaction. I am now concerned that my house may be in jeopardy. 
I have also had recent issues with XXXX of my wells fargo accounts where charges were found that I did not make. XXXX XXXX closed the card and reissued me another card. I also found issues today with my XXXX XXXX account where charges were made that I did not make. I am starting to have real concerns about identity theft.

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 2024-08-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: NC

Complaint narrative:
In XX/XX/year>, a payment to XXXX XXXX was incorrectly reported as late to the credit bureaus. Upon discovering this error, I contacted XXXX XXXX to dispute the late payment. I spoke with a manager who agreed to submit a dispute to the credit bureaus to correct this error. However, as of today, I have not received confirmation that this dispute was actually submitted. 
I have made multiple attempts to follow up with XXXX XXXX 's customer service to verify if the dispute was submitted as promised. Despite these efforts, I have not received clear confirmation that the necessary steps have been taken to correct this error on my credit report. 
This incorrectly reported late payment has negatively impacted my credit score. I am seeking to have XXXX XXXX follow through on their commitment to submit the dispute to the credit bureaus and to have the late payment for XX/XX/year> removed from my credit reports.

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 2024-08-19 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:
In XX/XX/2024, a payment to XXXX XXXX was incorrectly reported as late to the credit bureaus. Upon discovering this error, I contacted XXXX XXXX to dispute the late payment. I spoke with a manager who agreed to submit a dispute to the credit bureaus to correct this error. However, as of today, I have not received confirmation that this dispute was actually submitted. 
I have made multiple attempts to follow up with XXXX XXXX 's customer service to verify if the dispute was submitted as promised. Despite these efforts, I have not received clear confirmation that the necessary steps have been taken to correct this error on my credit report. 
This incorrectly reported late payment has negatively impacted my credit score. I am seeking to have XXXX XXXX follow through on their commitment to submit the dispute to the credit bureaus and to have the late payment for XX/XX/2024 removed from my credit reports.

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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding an issue I have encountered with American Express National Bank. On XX/XX/2024, I opened a Business Checking account with the promise of receiving XXXX Membership Rewards points as part of a promotional offer. However, despite fulfilling all the terms and conditions of the offer, I have only received XXXX points. 

I have attached a copy of the promotional offer for your reference, which clearly states the eligibility requirements and the promised rewards. I have made multiple attempts to resolve this issue directly with the bank, but they have not provided any satisfactory explanation or solution. 

This situation is not only frustrating but also misleading, as I relied on the information provided by the bank in making my decision to open this account. I believe this matter requires the attention of the Consumer Financial Protection Bureau to ensure that the bank adheres to its advertised promises and to prevent similar issues from happening to other consumers. 

I kindly request that the CFPB investigates this matter and takes the necessary steps to ensure that I receive the full XXXX Membership Rewards points as originally promised. 

Please feel free to contact me at XXXX or via email at XXXX should you require any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I had an indirect auto loan from Vystar Credit Union. The loan has been fully paid off, yet Vystar drafted an additional payment of {$750.00} on XX/XX/XXXX. I have called Vystar several times, and they are asking me to dispute the transaction with XXXX, even though Vystar is the lending institution that initiated the transaction.

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 2024-08-19 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: CA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My accounts have been going thrugh fraud issues wells fargo decided to determine that transactions were valid when they were not as i advise so they made a reversal of credits and overdrafted my checking account on top of that before that happend y account got oney taking out again and now they want me to wait almost XXXX buissness days for a resoltion i advise them that the money is for me to pay what is left of my rent they still keepon maing me wait and always is a no i have asked to speak to managers and they say we can put a call back and no managers have reached out to me at all so they stated that if i a provided a temp credit is going into the over drawn account and am still loosing money no matter what so this bank is not helping and am not getting valued at all they have told me that the claim has been proccessed and is still open now that another lie.

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 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a long-term victim of identity theft and have alerted all relevant agencies. I am currently working with the Social Security Administration and other government entities to resolve the issue. Recently, I received a call from a collection agency claiming I owe {$7400.00} on a Chase credit card ending in XXXX. I informed them that this was incorrect, as I have never opened a Chase account. Furthermore, Chase previously informed me that opening an account would require in-person verification. The collection agent proceeded to verify my personal information, including my address, phone number, email, and Social Security number. Upon confirming that none of this information matched their records, I was transferred to Chase. However, instead of addressing the issue, the Chase representative repeatedly questioned me about an old card ending in XXXX, which was not the reason for my call. The representative eventually confirmed that there was no account under my name or Social Security number with a card ending in XXXX. Months later, I received another call from a different collection agency regarding the same alleged debt. I reiterated the information provided to the previous agency, and they again confirmed that none of the details on file matched mine. I requested all relevant information to document the incident and pursue the individual I believe is using my identity. The collection agency advised me to contact Chase again. When I was transferred, the agent, XXXX, confirmed that there was no account under my information. Chase provided no further assistance, implying simply, " It's your name, so you owe the debt. '' While I have several suspects in mind since it was XXXX of my old addresses, Chase refused to provide me further information about the account such as the social security number used, phone number used, email address, address used to open the account, or any other information that can aid me in my investigation. Both collection agencies on recording has confirmed that none of my factual information match what Chase gave them. Despite my repeated notifications that I did not open a new Chase account, this erroneous debt has now been reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern I recently got a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXXXXXX XXXX XXXX Account Number # XXXX XXXX XXXXXXXX XXXX XXXX Account Number # XXXX XXXX XXXX  XXXX XXXX Account Number # XXXX XXXX XXXX  Account 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 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX and noticed charges for transactions that I did not authorize. I did not have my card in my possession and did not permit anyone else to use it. The last time I had my card was in XX/XX/XXXX, and I suspect it was stolen in XX/XX/XXXX. My card was used for multiple fraudulent charges since XX/XX/XXXX, totaling {$430.00}. After my account was closed, I was not provided with bank statements, leaving me unable to properly address the issue. Despite filing disputes with XXXX  XXXX XXXX, XXXX, XXXX, and TransUnion several times, none of them resolved the issue or corrected my credit report. I am a victim of both fraud and identity theft, as well as the negligent handling of my case by XXXX  XXXX XXXX, XXXX, XXXX, and 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