vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Carvana Group, LLC
State: TX

Complaint narrative:
I Purchased a car with Carvana LLC. During the purchase they used a Voluntary ach payment form and an email deceptively ( 15 USC 1692j ) to on board me onto XXXXXXXX XXXX XXXX  XXXX says that when you use their system you are obligated to the debt of the account. I paid via ACH {$12000.00} by this deception. 
( attached is an affidavit by another agency showing how this deception works ) I have no contract with XXXX, nor is XXXX  in my contract. XXXX is the servicer for the securities created by Carvana XXXX XXXX XXXX. They have my car listed in Carvana XXXX XXXX XXXX XXXX under asset Number XXXX. These securities were never disclosed to me during the loan/contract process. 

I revoked the given security interest and sent them a cease and desist. XXXX was never authorized to report to credit bureau nor use my Social Security Number at all. This company is reporting under 2 different names and are decimating my credit. I have filed disputes, provided evidence that I have no contract with XXXX therefore I have no account with them. XXXX refuses to send any billing statement by mail even after requesting all communication by mail. 

The contract with carvana contains no assignments and the consumer claim post is printed with additional endorsements,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, XXXX, Account name : XXXX XXXX XXXX, XXXX, Account name XXXX XXXX XXXX, XXXX : Account name : XXXX XXXX XXXX, XXXX has violated my rights. 
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  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 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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, XXXX, Account name : XXXX XXXX XXXX, XXXX, Account name XXXX XXXX XXXX, XXXX : Account name : XXXX XXXX XXXX, XXXX has violated my rights. 
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 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 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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NRA Group, LLC
State: PA

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities. Upon reviewing, I came across a few accounts that I believe may not be 100 % accurate and would like further information on to investigate. The fair credit reporting act states that by law, I have the right to challenge anything that I am not sure is accurate. I am not familiar with some of the reportings on my credit report, which is why I am seeking investigation. 15 USC sec 1681 i ( a ) by law states that if you can not provide proof for the accounts, they must be deleted. I am requesting for these accounts to investigated. Please delete my accounts if discovered that any information is not 100 % accurate. I saw a credit site that states investigations have a 30 day window to complete investigations by law. I am asking to please investigate the following accounts and remove any information that is not 100 % accurate upon review. 

Account : -Name : national recovery agency /original creditor : XXXX XXXX Account XXXX XXXX *Please investigate if every piece of information is 100 % correct and accurate. If not, please remove it from my credit report. 

Ive also read ( free Lawer guy online ) that I can be provided with a copy of the report and its results upon completion of the 30 day investigation. Please provide me a copy of this investigation. Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address on this letter. 

I greatly appreciate your time and help in this matter. 

Kind regards, 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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XX/XX/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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My complaint is against Sam 's club they have sold my account to a collection agency XXXX XXXX I can not get information on how I owe this balance of XXXX called Sam 's club no info XXXX XXXX is threatening and this account is time barred for 7 years since last payment on XXXX all phone numbers for XXXX XXXX are not reachable I made payment arrangement but they never sent me confirmation or any paperwork stopped payment on check because they may be a scam but because of nj statue of limitations law they can not sue me I spoke to someone from XXXX XXXX on XXXX XXXX XXXX can not reach anyone after

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-04-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
THE SERVICING OF MY LOAN WAS TRANSFERRED TO RUSHMORE XXXX XXXX. AT THE TIME OF TRANSFER THERE WAS A LOT OF UNRESOLVED ISSUES WITH THE SERVICING OF THE LOAN BY XXXX XXXX. THE FINANCIAL DATA WAS NOT CORRECT AND I REPORTED IT TWO BOTH SERVICERS. THErgo INACCURATE INFORMATION WAS NEVER FIXED. AT THE TIME THE LOAN TRANSFERRED INITIAL FORECLOSURE PAPERWORK WAS SUBMITTED BY XXXX XXXX ON XXXX XX/XX/XXXX. UNKNOWINGLY TO MYSELF, THIS WAS A VIOLATION OF THE DUAL TRACKING LAW. I WAS ACTIVELY ENROLLED IN THE LOSS PREVENTION PROGRAM. ( XXXX XXXX is currently investigating my account ). I have documented proof that from XXXX of XXXX thru XXXX of XXXX my mortgage was in a forbearance plan. This is documented on monthly statements from Rushmore and correspondence received from Rushmore. I received a notice from the court that a hearing to set a sell date had been scheduled by Rushmore in XXXX of XXXX. I notified the court that I could not attend due to the fact that my wife had just had emergency XXXX XXXX for a XXXX XXXXXXXX and it conflicted with medical appointments. I asked that it be postponed and attached medical documents with the request. I received no response and the hearing tok place. A sell date of XXXX XXXX of XXXX was scheduled and seeing as my wife was at home on XXXX XXXX, I filed emergency bankruptcy to stop the sell. My wife passed away at home on XXXX XXXX of XXXX. I have hired numerous companies to help stop the illegal sell of my home and I also have hired an attorney. I have informed Rushmore and the court that the foreclosing of my home violated the Federal Dual Tracking Law and have been ignored. I contacted the Regional Director from the VA that concurred with the fact that if any activity took place in regards to foreclosure it was a violation. At this point in time the foreclosure is still in process. Additionally, I have applied for a loan modification and have been denied whenever there are existing Hud and VA programs I qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Goal Structured Solutions, LLC
State: AL

Complaint narrative:
I have reason to believe that the loan servicer has increased the interest rate of the loan, additionally, there seems to be inconsistencies in the monthly calculations on applying the interest and principal. Request this matter be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On XX/XX/XXXX, I leased a XXXX from Hyundai. Back in XX/XX/XXXX, I was laid off from my job due to the pandemic. I called Hyundai Motor Finance ( HMF ) in the month of XX/XX/XXXX to have my payment deferred on my lease because I was uncertain of my financial situation. The person on the phone said it was ok to do since people everywhere were getting laid off. They explained that my payment will be pushed to the end of the loan. I then called back in XX/XX/XXXX and they explained the same thing regarding my XX/XX/XXXX payment being deferred. I noticed on my XX/XX/XXXX payment statement, my lease maturity date was not XX/XX/XXXX ( the original date ), but XX/XX/XXXX. Since they told me that the payments were thrown at the end of the loan, it made sense that two deferred payments extended my lease date to pay for those payments ONLY. However, on XX/XX/XXXX, when I received my last bill, it was for {$950.00}. I called HMF the same day at XXXX XXXX  CT and the agent said it was because my loan was deferred for two months, so that bill includes the two deferred payments and my last monthly payment. I told them, yes it was deferred for two months but my original lease maturity date was XXXX XXXX which is why XXXX XXXX is the new one. She was not really sure after 45 minutes of being on the call. I then called 8 more times after that and talked to other agents and supervisors and no one knew what to do or what had happened. The only common response from everyone was that I had two payments deferred, but I explained that I have already paid 39 payments for the XXXX lease for {$12000.00} which is the same amount in my contract for the lease agreement which is {$12000.00}. 

However, I was not told until yesterday, XX/XX/XXXX at XXXX CT, my lease went from 39 months to 41 months because I kept the car longer and it was explained to me, which is not true. I even asked if they had pulled up the transcript that is recorded from XX/XX/XXXX and XX/XX/XXXX conversations with the agent and they did not and will not. They failed to do their due diligence. HMF is failing to admit to its mistakes, yet they said multiple times that their system ADDED payments because it didn't know how to defer lease payments. So they are penalizing me to pay for something that their system messed up. I should not be penalized for their broken payment system. I would've never agreed to extend my lease for 2 more months, 3 years ago. That does not make any logical sense, because I knew I was going to be working again. HMF is violating my lease agreement and they don't want to be held responsible.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
on XX/XX/XXXX I filed a complaint that the consumer reporting agencies did not follow the guidelines set in place to protect my rights from my dispute from XX/XX/XXXX, the consumer credit reporting agencies had had 30 days to conduct there investigation on the following accounts : Account name-XXXX XXXX XXXX XXXX Account number-XXXX Account type-Credit card Responsibility-Individual Date XXXX Status-Account charged off. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 

Account XXXX Account number-XXXX  Account type-Auto Loan Responsibility-Individual Date XXXX Status-Account charged off. {$39.00}, XXXX written off. {$39.00}, XXXX past due as of XX/XX/XXXX. 

Account name-XXXX Account numberXXXX Account type-Secured Loan Responsibility-Individual Date opened-XXXX Status-Paid, Closed. 


Account name-XXXX  Account NumberXXXX  Account type- Other Collection Agencies Responsibilty-Individual Date opened- XX/XX/XXXX Status-Collection/Chargeoff inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They did not complete there investigation in a timely manner, two of the complaints are still open. the CFPB Failed at investigating the consumer credit reporting agencies because it has now been two months, and no closure. Your company is just letting the consumer reporting agencies do what ever they want with no repercussions. Please investigate there practices of just telling consumers that they are not gon na investigate their dispute because it appears as if the consumer did not write it! Since when do the consumer reporting agencies have psychic powers????? if they can just assume what ever they want then there should not be any guidelines at all because its just a free for all without any enforcement. The Fair Credit Reporting Act, The Fair Debt Collection Practices Act Was Written For A Reason And It Is YOUR Responsibility to enforce it, I demand you do so! The CFPB has failed at enforcing the guidelines that are suppose to protect me. The CFPB is now just as guilty as the consumer reporting agencies. I did not give permission for these accounts to be reported, I did not give written instructions for these accounts to be reported, I was not given three disclosers on these accounts. The Consumer Credit Reporting Agencies are using my information without my permission which is identity theft. so since the CFPB is not enforcing these guidelines that would make your company just as guilty as the consumer reporting agencies at committing identity theft. I demand these fraudulent accounts be removed from my consumer file immediately or I will be seeking legal action against all parties involved!

Company response to consumer: Closed with explanation