vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was checking my credit report and noticed that a couple of companies that I didnt know are did business on my credit report I tried writing them but they didnt operating right

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 2022-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. 

The above account was classified as a discharge, therefore CONNS APPLIANCES, INC was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, CONNS APPLIANCES, INC has violated the FDCPA by sending incomplete debt collection validation information. 


Alleged Creditor : CONNS APPLIANCES, INC Alleged Account Number : XXXX Alleged Debt : {$2900.00} Alleged Date Opened : XX/XX/XXXX Alleged Date Closed : XX/XX/XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
On XX/XX/22 I bought the XXXX XXXX that I was leasing from Hyundai Motor Finance, and was told that my title would be mailed out in XXXX weeks. On XX/XX/XXXX I still hadn't received the title so I called them : I was told that " It has already been delivered ''. Which was strange because I had not received my title. So I asked for the tracking number and he replied that XXXX was wrong and there was no tracking number, but it was mailed out on the XXXX of XXXX and I should receive my title by the end of the week '. Needless to say I still did not receive the title. I called back the next week and was told it could take up to 30 days for it's arrival. After another month they decided to call the title missing and told me " All they could do '' is send a message to the title department to see what the next steps are and for me to call back in XXXX business days to check on the response. Several times I was told their was no response from the title department, so I request to speak with a supervisor. The supervisor said that they would put in a request for a letter of no interest to the title department so that I could request a duplicate title at my DMV. I did get the letter of no interest but my DMV would not accept it because they are listed as the owner and told me that I would need a limited power of attorney or have XXXX request a duplicate title. I called XXXX back and requested a limited power of attorney but was told it was impossible because I already paid off the car so " it's not their problem '' but if I send them a written request with the cost of the duplicate title they would make the request for me. I sent in written request and am now being told that they have not received anything. To be clear I do not think they ever sent my title. I have Informed Delivery with USPS ( where I can see the mail being delivered to me ) and I have not seen anything from 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 2022-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXXXXXX XXXX XXXX. They are charging me. I never stopped there to get a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: GA

Complaint narrative:
Have violated my rights. 
15 U.S.C. 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to him of information reported about him to third parties violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy when preparing a consumer report ( 15 U.S.C. Sec. 1681e ( b ) ) and by failing to conduct a reasonable reinvestigation of my dispute ( 15 U.S.C. Sec. 1681i ( a ) ). 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer

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 2022-08-13 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: GA

Complaint narrative:
Have violated my rights. 
15 U.S.C. 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to him of information reported about him to third parties violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy when preparing a consumer report ( 15 U.S.C. Sec. 1681e ( b ) ) and by failing to conduct a reasonable reinvestigation of my dispute ( 15 U.S.C. Sec. 1681i ( a ) ). 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer

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 2022-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I went into my local Citibank on XX/XX/2020 around XXXX. I had the teller transfer {$100000.00} into my personal savings account. I then sat with a bank representative that took my passport information and placed a wire for me in the amount of {$100000.00} to my personal XXXX account. The wire never made it. I later found out that Citibank not only stopped the wire, but returned it and then froze my account. I called daily to ask them to unfreeze my account. They told me I had to wait 7-10 business days for a letter with a reference number. I even went back into the same branch and they called the fraud department to tell them they were the ones that initiated the wire and to unfreeze my account. I called daily to speak to a supervisor, was told one would get back to me and no one has called me. I received the " letter '' and it had the wrong name ( last name XXXX ) and it also had the wrong last 4 digits of the account number in question. I called and told them that they had made a massive mistake, gave them the reference number and my account is STILL frozen since XX/XX/XXXX. I was promised an email within 24 hours. It has been XXXX hours now. They are holding my money hostage, {$120000.00} to be exact. This is not okay. I am now having XXXXXXXX XXXX and XXXX and no one will help me. Please help.

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 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax has committed fraud and falsely reported accounts, addresses, and inquiries on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/22 I used the Chase ATM on XXXX XXXX at address XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I attempted to use my ATM card to withdraw {$500.00} from my account but the ATM showed a message that it could only distribute {$200.00}. The ATM delivered multiple bills of {$5.00} that were stuck in the ATM cash slot. When I tried to retrieve the money, the ATM pulled the bills back inside. I was able to retrieve some of the cash to the amount of {$100.00}. However, the remaining {$100.00} were not distributed to me by the ATM. I filed a complaint with Chase regarding the missing amount that remained inside the ATM. Unfortunately, Chase determined that this claim was not founded by their own ATM audit and reversed the temporary credit they previously issued me. I faxed a letter to the bank to let them know I disagreed with this decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, 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:
From XX/XX/XXXX until XX/XX/XXXX I have acquired XXXX hard inquires on my credit report. I have mailed, called and emailed Equifax several times ask them to remove these hard inquires because I never applied for anything. I have been a victim of the XXXX data breach of Equifax. Equifax is in direct violation of my Fair Credit Act : 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
While there is a section 604 in the Fair Credit Reporting Act ( FCRA ), this section outlines the limitations on when an external entity can pull your credit report and does not cover any subject matter that could help you improve your credit, through a dispute or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: SC

Complaint narrative:
Ive disputed with all three credit bureaus on my XXXX XXXX credit card ( XXXX four digits of account number ) countless times as this account had fraudulent charges and the creditor agreed to delete the late payment remark as I had no idea any balance was due on the account as its never been used. Creditor completed their investigation and corrected my account on their end, removing the late payment fees and reversing the charges made by the fraud. The creditor stated they would comply with the Bureaus once I submit my disputes however, after several ( XXXX or more with each bureau ) its apparent that theyre not accurately nor fairly investigating my legal rights. Creditor is happy to correct payment rating and remove the late payment remark once theyre contacted by Experian XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
I closed my escrow account effective XX/XX/XXXX. 

The mortgage company, LOANCARE, re-opened my escrow account, on XX/XX/XXXX without my consent, request or approval and advanced {$1900.00} of funds to pay for a home insurance policy that had already been paid. ( I paid for the home insurance with my own credit card on XX/XX/XXXX ). 

To correct the issue, I called them, I explained that I did not need an escrow advance since I had already paid for my insurance. They advised to make a payment through the portal for the amount they advanced and call them after I make the payment to have it applied towards the escrow. I made the payment using their portal, on XX/XX/XXXX for {$1900.00} to cover the escrow shortage and requested again that they close the escrow they opened for me. 

Instead of covering the escrow shortage, they applied the funds I sent to my principle and won't get it resolved despite XXXX phone calls and XXXX requests submitted via their portal regarding the misapplied funds. The only change they made, after repeated efforts to get this corrected, is they applied a portion of the payment to the mortgage payment and left a portion in the principle, but still no funds were applied to the escrow shortage as I had requested. 

With re-opening the escrow account on my behalf, they have now also increased my mortgage payments which now include an escrow portion. 

It was extremely difficult to have the escrow account closed last year, it took several written requests and supervisors involved. And now they re-opened it. 

It seems they are trying to trick customers into retaining their escrow accounts and will completely ignore escrow closure requests. 

Thank you for your help in reviewing their practices. 

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 2022-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
I was monitoring my credit report the past week when a collection report showed up on my credit report of an unknown company I've never heard of, to look into that I reached out to the credit companies to find out it was a utility company based in Texas called XXXX. They tried to collect a bill by my name on their account which I believe my identity is stolen because I live in Oregon and have never live in the state of Texas and do not know anyone living in that state. Therefore my credit is currently damaged by this collection. I've reached out to XXXX and a customer service has insist I file a police report and also report on XXXX which I am doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: GA

Complaint narrative:
Have violated my rights. 
15 U.S.C. 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to him of information reported about him to third parties violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy when preparing a consumer report ( 15 U.S.C. Sec. 1681e ( b ) ) and by failing to conduct a reasonable reinvestigation of my dispute ( 15 U.S.C. Sec. 1681i ( a ) ). 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-08-13 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: GA

Complaint narrative:
I have identified info on my credit report to be inaccurate or identity theft. I have tried multiple times to get this information removed to no avail from the agencies involved. 

please see attachments

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 2022-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
On Saturday, XX/XX/2022 at XXXX a.m. I received a call from XXXX XXXX # XXXX an agent from Portfolio Recovery XXXX. During the call XXXX XXXX stated that this is another of several attempts to collect a debt. Then XXXX XXXX proceeded to violate 15 U.S.C. 1692 ( b ) ( 2 ), 15 U.S.C. 1692 ( d ) ( 1 ), ( 2 ), ( 5 ), 15 U.S.C. 1692 ( e ) ( 10 ) and 18 U.S.C. 894. I called back to express to her manager XXXX XXXX XXXX # XXXX, that his empolyee violated my rights as a consumer and he states that the alleged debt had not been validated and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief