vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In XX/XX/2022, I sent a certified letter to Equifax to investigate how they are reporting a payment status on a closed account. They did not respond so I sent a follow up letter in XX/XX/2022. I received a response that they " verified with the creditor that it is reporting correctly ''. 

I believe this to be a ridiculous response considering, 1 ) The account is CLOSED and was paid in full 2 ) The payment status is not reporting inaccurately because of the creditor it is the way Equifax is reporting it 3 ) A payment status is to report as the " CURRENT '' Payment status.

4 ) They are reporting a derogatory payment status on a paid in full closed account. 

Equifax is reporting it as ; '' Not more than two payments past due '' The two year history shows ALL ON TIME PAYMENTS., The account is closed and paid in full. THEREFORE the Payment Status should read " PAID AS AGREED '' This is an FCRA VIOLATION- and if not corrected I will pursue legal action for their blatant disregard for the law. This is harmful to my credit score and is completely inaccurate. 

Ive included both certified letters, as well as a copy of my credit report with the inaccurate information highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I have recently noticed on my credit reports that several attempts were made to obtain goods/services under my personal information without my consent. I do believe I am a victim of identity theft. I am requesting that the following information be reviewed and removed from my personal credit reports. The items I am requesting to be removed are included in this report and below in my personal statement : Account : XXXX XXXX XXXX : Opened XXXXXXXX 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 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 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 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 non-monetary relief
Consumer complaint received 2023-01-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
Please refer to information in XXXX. An account at Acima Digital was apparently fraudulently opened with my personal identifiers and the parties involved rented something from them. I have never even heard of this company and do not rent these items. 

I have called them many times and get the run around. I emailed theur fraud dept and they are unwilling to respond. 

this information needs to be correcgted and if they are reporting to the credit bureaus and providing fiducuiary contracts, they need to do the due dilligence on their part email to XXXX  XXXX XXXX XXXX : Subject line : ID Theft Claim Acima Digital XXXX XXXX XXXX XXXX XXXX XXXX Floor, XXXX, UT XXXX Please be advised that the account opened below is not mine and opened fraudulently. The information is showing on my credit reports and it must be rectified immediately. 

I have never opened an account with Acima. I am in the process of buying a house and if this causes any issues, I will pursue legal action against Acima and seek compensatory and punitive damages. 

Please remove any and all information from any and all my credit reports. 
I can be reached at XXXX XXXX XXXX My full name and address are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In according with the Fair Credit Responding Act the following companies has violated. I dispute the following with all XXXX credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. XXXX, XXXX and Experian in XXXX, XXXX XXXX, XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section XXXX. I send the police reports XXXX  times along with proof of identity as the credit bureaus had my social security wrong, my birthday wrong, wrong address and wrong number on my fraud alert. 

15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructionXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit bureaus are required to removed items if not verified within XXXX days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. Thank you.

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Kia finance attempting to collect a Insurance deductible for XXXX XXXX following car accident on XX/XX/22. Car was insured by XXXX, paid in full and residual excess value after meeting XXXX deductible was given to me via direct deposit. Last payment on lease made XX/XX/22 almost XXXX months after accident. Following this XXXX informed me to cease ALL payments to XXXX. 

Kia motor finance calls me daily and hangs up as soon as I answer, no one at XXXX can explain to me why its there, only the amount they think is owed. 

XXXX is attacking my credit illegally and filing the fraudulent deductible balance as a delinquent payment despite no statements saying I am required to make monthly installments on this deductible. I am going to be consulting an attorney and potentially suing for damages as I took a near XXXX point hit. 

XXXX was already sued for $ XXXX for this after my car accident happened. XXXX is handling this matter unprofessionally and in a toxic manner as the only time the harassing caller answered me was to argue and have a toxic harassing attitude. 

I have reported this to XXXX  with no response following the report, and XXXX also fails to respond in a timely manner following internal investigations if they even actually perform XXXX, only returning paperwork saying I owe a deductible. I never signed any paperwork for XXXX products involving insurance through Kia. 

I owe XXXX $ on this lease and the documentation states it, they provided me documentation to literally purchase the totaled car for over XXXX XXXX This makes no sense.

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 2023-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC
State: VA

Complaint narrative:
XXXX Cash 1 in Arizona has been harassing me and threatening legal action regarding a title car loan. Calling texting voicemails. I owe them approximately {$3000.00}. Today day with penalties and interest its {$9000.00}. These deceptive practices are hateful and awful. I have spoken with them this month and last month to negotiate. Recently I asked if they could waive the {$6000.00} just in interest alone that is owned and allow me to continue with payments on the amount I borrowed of XXXX. I have made payments to them but they stopped because of a hardship. I was trying to even go so far as surrendering the vehicle to them at one of the cash1 locations. In hopes they would sell it and put that against the money owed. Due to it not running the cost would be enormous. I am also a XXXX veteran and trying to resolve this the best I can. XXXX at a loss for words at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I have recently noticed on my credit reports that several attempts were made to obtain goods/services under my personal information without my consent. I do believe I am a victim of identity theft. I am requesting that the following information be reviewed and removed from my personal credit reports. The items I am requesting to be removed are included in this report and below in my personal statement : 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 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 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 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 non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, 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 disputed this issue 2 times the incorrect late payment statuses with XXXX ( Formerly XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The problem is that during the start of the Pandemic I took advantage of a program with XXXX that allowed for automatic debits to come out of my account to ensure the account would be paid on time. I have bank account statement proof showing the amounts came out on time, but they are not showing paid on time on my credit report and XXXX refuses to update them. XXXX, XXXX and XXXX of 2020 are not delinquent, but they are still showing they are. Important note- XXXX boughXXXX out XXXXXXXX XXXX XXXX but is not taking any responsibility for the programs or transactions made from XXXX customers prior to that acquisition. This is an unfair business practice. I have tried multiple times to dispute this as these delinquent payments are negatively affecting my ability to have a better credit score. 
I am filing a complaint now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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 — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
This is my formal complaint to this company for reporting inaccuracies on my credit report. I have already disputed this, asking for validation, and I still got no response from them. I want these accounts to be investigated, and I'm requesting the original purchase agreement signed by all parties involved that says this alleged debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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 — Their investigation did not fix an error on your report
Company: First Advantage LNS Inc.
State: NC

Complaint narrative:
This is my formal complaint to this company for reporting inaccuracies on my credit report. I have already disputed this, asking for validation, and I still got no response from them. I want these accounts to be investigated, and I'm requesting the original purchase agreement signed by all parties involved that says this alleged debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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: Experian Information Solutions Inc.
State: IL

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 explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have reached out to USAA on XX/XX/2022 regarding the violations on my report. I have few late payments reporting. I sent emails to the CEO of USAA, I made phone calls, and sent letters US Certified. I would like to get this matter resolved and get those late payments from XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 removed from all 3 of my reports. USAA has failed me, they don't care about their customers and failed to contact me regarding my concerns. This issue has caused me to become XXXX 

These late payments are clear violations of y consumer rights 15 U.S. Code 1681 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b.

Please DELETE these late payments from my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In according with the Fair Credit Responding Act the following companies has violated. I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. Transunion, XXXX and XXXX in XXXX, XXXX XXXX, XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. I send the police reports 7 times along with proof of identity as the credit bureaus had my social security wrong, my birthday wrong, wrong address and wrong number on my fraud alert.

15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. Thank you.

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 2023-01-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In according with the Fair Credit Responding Act the following companies has violated. I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. XXXX, Equifax and XXXX in XXXX, XXXX XXXX, XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. I send the police reports 7 times along with proof of identity as the credit bureaus had my social security wrong, my birthday wrong, wrong address and wrong number on my fraud alert. 

15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX  Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
When XXXX was handling my loans, I was told I was being put on an income based payment plan in XXXX until XXXX. Speaking with Aidvantage, who is now handling all XXXX clients, they have no documentation that I was ever on an income based loan. 

The monthly payments I was told to make by XXXX ( ~ {$370.00} per month ) were not even paying off my interest in full there for making my loan skyrocket over the years. 

Looking at my history, my loans started at $ XXXX and I paid of $ XXXX, but now Aidvantage is showing I owe $ XXXX since my monthly payment in which XXXX directed me towards were not paying off any of the principal within my loans. 

XXXX misguided me and apparently told me I was paying an income based loan, but Aidvantage is seeing otherwise. 

Now because of XXXX 's mismanagement of my loans, I have a loan bigger than I started with even when I paid off half of the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX and i had just recently opened a Venmo Account because a close friend of mine was offering to help me pay my past dues for my vehicle and rent. Especially my vehicle since it was repossessed by the bank. XXXX. We're on a time limit by the XXXX of XXXX before the vehicle goes to auction.. it's all been a struggle.. 

My husband recently passed away last year on my birthday ; XXXX XXXX and after all that hardship struck my son and I. We were falling behind only a bit before he passed away but after, things started piling up on top of us XXXX after the other. 

So my friend had heard what had happened and offered to help me financially. As stated before, i never had a Venmo account so i created XXXX with the help of my son and had everything set up to the best of my abilities. 

Once that was done, the next day my XXXX XXXX sent me an amount of {$3300.00} dollars to my Venmo account and from there, started the transfer progress. The total amount includes what i owe to get my vehicle back and my rent for the month. 

Today, i received an email stating that my account will be restricted and my transfer was " completed '' and that i will no longer be able to use Venmo 's services because i was in violation of their user agreement. But the money is nowhere to be seen in my account. It said that it was supposed to be transferred by today the XXXX of XXXX but it hasn't. 

And as for why I'm being restricted and and suspended, The Venmo payment only listed it as " XXXX XXXX ''. So i don't know what happened. Please help, we need this money, i need my car back and i need to pay my rent.. I don't know what to do. XXXX

Company response to consumer: Closed with explanation