vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 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: CA

Complaint narrative:
To whom this may concern By the Fair Credit Reporting act. The list below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 : its also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( c ) section States : no consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by the seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: CA

Complaint narrative:
To whom this may concern By the Fair Credit Reporting act. The list below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 : its also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( c ) section States : no consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by the seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report 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 2023-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I opened a Capital One Quicksilver credit card, and I did not receive the promotional terms. The promotional terms were supposed to be 0 % APR for 15 months and a {$200.00} sign-up bonus. I received neither of these items when I signed up for the card. I tried to resolve this through the company, and they were not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: WV

Complaint narrative:
I received a communication from XXXX XXXX XXXX XXXX with reference : XXXX. I submitted a letter on XX/XX/2023 questioning the validity of this debt. I sent this letter via certified USPS mail tracker number : XXXX on XX/XX/2023. I have received no correspondence in return from the debt collector as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For several months I've tried to reach out to the 3 credit reporting agencies, Transunion, XXXX and XXXX. I also reached out to the creditors to try to resolve this issue through writing and calling and none have responded. 

XXXX account number XXXX opened XX/XX/XXXX reporting weekly on my credit reports as Collection/Charge off but the balance is {$0.00} says in comments on my reports Purchased by another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX. 
dates last active are reporting 3 different dates on XXXX XX/XX/XXXX, Transunion XX/XX/XXXX, and XXXX XX/XX/XXXX. Please remove this account off my credit reports, it's damaging my credit profiles. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) account number XXXX opened and reporting 2 different days Transunion XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Reporting as a collection. last active XX/XX/XXXX. Please remove from my credit profile, this is not my account. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) account number XXXX opened XX/XX/XXXX with Transunion and XX/XX/XXXX with XXXX. Also reporting as collection. Please remove this account from my credit profiles this isn't mine at all and this company XXXX isn't even in business anymore, so I have no idea how or why a business that's no longer in business can send false information to credit reporting agencies without being in business monthly.

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 2023-02-20 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX {$1200.00} Debt Opened XX/XX/2022 I have disputed this account on multiple occasions due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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:
These accounts were opened without my knowledge or consent affecting my credit score and ability to rent a home, finance a car among other things affecting my day to day life!

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 2023-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I bought my XXXX XXXXXXXX XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX on XX/XX/XXXX. The car was sold for {$43.00} XXXX. But when you add the finance charges, the Total sale Price is {$58000.00}. Thus the difference between the actual cost of car and the Total Amount that I am paying is a whooping sum of {$15000.00}. The financier is Hyundai Finance. It is believed that having made a profit of {$15000.00} from a client for whom you had sold a used XXXX XXXX at an exorbitant Amount of {$43000.00}, would make this XXXX merchants sheath their knives. But it didn't, rather they continued their extortion scheme by introducing accessing fees each time I make a payment. The monthly payment is {$790.00}. Each time I make this payment I am forced to make an accessing fee of {$3.00} if I use the automated phone line or more if a caller from their call center collects the money over the phone. Last month, I could not make a one time payment due to inflation and bad economics in the state of the nation ; so I called Hyundai Finance and informed them that I would split my payments in two installments. First {$400.00} made before XXXX timeline and the balance made shortly after. The automated system collected the accessing fees of {$3.00} the first half payment of {$400.00} and equally collected another {$3.00} for the balance of {$390.00} paid on another date. I called Hyundai Finance to complain that this a rip off and is tantamount to stealing and a ploy to keep me indebted to them forever. I informed them that I had bought a car already before I stumbled into them. The car was a XXXX XXXX. And on quote " I AM not being charged any accessing or additional fees to make my monthly payments till date through the multiple avenues they provided for payment " And also the Finance charges from the Financier of the XXXXXXXX XXXX were far much less. I demanded for full refund of all the accessing fees I have paid till date, on the XXXX XXXX XXXX model and total withdrawal of the accessing fees. They declined. They are also asking for late fees notwithstanding that I .made a committal fee of {$400.00} within the required period and informed them of the date for the next payment. Recently they said they have opened a website for the option to pay without fees. I am not able to use the website option moreover internet access is required to use it. Also the car Amount of {$43000.00} was hiked to {$43000.00} on their paper correspondence with no Justification or explanation whatsoever. Their interest is not debt recovery. It's all about keeping me indebted forever. This XXXX merchants should be stopped Forthwith from doing business in the United States of America

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 2023-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I mailed a debt validation letter to XXXX XXXX XXXX and they refused to validate the alleged debt. ( see attached ) It's a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. According to the law, debt collectors have to show proof of a debt if you ask them.

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 2023-02-20 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
opens were open fraudulently, and without my knowledge. they are affecting my day to day life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: Source Receivables Management LLC
State: FL

Complaint narrative:
The company Sources Receivable Management has yet to respond to the request sent via US mail on XXXX XXXX, 2023 to provide the following : Original contract with wet signature, name, address, DOB. An invoice does not properly suffice as a method of validation. This company continues to violate my consumer right by adding false information to my credit profile. I have made several attempts to request the this debt be validated correctly and this company has failed to provide me with the requested information. Please remove this erroneous information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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 found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-02-20 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXX is reporting that I owe XXXX $ which is incorrect I have requested Experian verify this correct and remove it if it cant be verified please this is the fcra. Thanks in advance I also turned in a ftc report for the inquiries in my 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 2023-02-20 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: TX

Complaint narrative:
Failed to provide proof that account is mine by providing me original contact signed and showing past due amounts on closed accounts.

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 2023-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
XXXX XXXX I entered into an agreement with FDR ( Freedom Debt Relief ) for 48 months they would withdraw {$760.00} per month to pay off XXXX ( XXXX ) loans/revolving accounts. They began the withdraw XXXX XXXX and according to them accounts would have to be delinquent so that they could negotiate a repayment balance. The XXXX ( XXXX ) accounts were current up to XXXX XXXX. I ran out of funds from a retirement account to continue to pay them on time. FDR assured me that most companies would welcome a structured repayment after delinquency. The funds of {$760.00} per month were withdrawn on the 5th of the month. In XX/XX/XXXX XXXX stopped my income for discrepancies in prior years income. The Appeal/reconsideration was complete and XXXX began again effective XXXX XXXX. I received a revised deposit modification from FDR in XXXX that the program would require me to make the {$760.00} deposit/payment until XXXX XXXX which is 10 months longer than the original agreement. The extended period was because deposits/payments were not made as scheduled. The only two months I could not pay was XXXX and XXXX XXXXI had FDR 's bank XXXXXXXX XXXX  withdraw the equivalent of what was owed to them {$4000.00} XXXX XXXX which would complete 48 months of payments I refuse to give them over {$7600.00} through XXXX XXXX as this would be a financial hardship. I have a job in sales but my paychecks are based on my ability to generate real estate loans. I anticipate that my first paycheck this year will be in late XXXX or XXXX. I do not have resources to continue this additional schedule. I have met my obligation to FDR.I want to discontinue the program immediately due to the additional funds they claim are required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: MS

Complaint narrative:
XXXX XXXX XXXX {$1200.00} Debt Opened XX/XX/2022 I have disputed this account on multiple occasions due to 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 2023-02-20 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: MS

Complaint narrative:
XXXX XXXX XXXX {$1200.00} Debt Opened XX/XX/2022 I have disputed this account on multiple occasions due to 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 2023-02-20 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Opened XX/XX/XXXX XXXX XXXX Account is showing late payments for XX/XX/XXXX and XX/XX/XXXX. The account was never late and the vehicle was totaled on XX/XX/XXXX. Insurance submitted payment to them shortly after and they still marked the account as late payment. Account is current and the next payment is not due until 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 explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
wells Fargo illegally and without my authority or knowledge charged my checking account three times, at {$31.00} each time for a total of {$93.00}, for simply changing with my utility company where my monthly payments will be taken out.

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 2023-02-20 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: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2023-02-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This company should not be allowed to continue to conduct business. I'm guessing that the company quickly was acquired by another company is the reason for such a delayed response to my request to have the account closed and removed from my report as I did not open the account. You can barely get ahold of the team who is supposedly the one to handle fraud investigations. This is by far the worst experience received by a company that claims to assist individuals with some sort of credit building. I have 3 emails spanning over two weeks where the company has not responded and provided some sort of update. I think I am at least owed the respect of being included in any sort of updates to my case. Completely disappointed in 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 2023-02-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This company should not be allowed to continue to conduct business. I'm guessing that the company quickly was acquired by another company is the reason for such a delayed response to my request to have the account closed and removed from my report as I did not open the account. You can barely get ahold of the team who is supposedly the one to handle fraud investigations. This is by far the worst experience received by a company that claims to assist individuals with some sort of credit building. I have 3 emails spanning over two weeks where the company has not responded and provided some sort of update. I think I am at least owed the respect of being included in any sort of updates to my case. Completely disappointed in XXXX XXXX XXXX

Company response to consumer: Closed with explanation