vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 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  15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A 2 : It also states a consumer Reporting agency can not furnish an 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 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: AZ

Complaint narrative:
I received my XXXX aligners and was not able to finish my treatment due to one set not fitting. I then realized that they went bankrupt and I had no way of getting into contact with anyone regarding my treatment plan. They switched their financing place to HCF ( healthcare finance direct ) and I can not get treatment but Im still expected to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I worked for government and loan are suppose to be gone at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: FL

Complaint narrative:
Received a collection letter from a 19 years debt ( 2005 ) Im not sure if this is even my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Control, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX a vehicle I was financing through XXXX XXXX XXXX was stolen. On XX/XX/XXXX XXXX XXXX XXXX paid a settled amount for the amount of {$8700.00} to XXXX XXXX XXXX for the stolen vehicle. XXXX XXXX XXXX never contacted me to tell me that I was responsible for a remaining balance of approximately {$2600.00}. On XX/XX/XXXX, I received a call from an XXXX who is working on granting me a security clearance for a XXXX position. The XXXX informed me that I have a report on my credit score regarding an unpaid debt to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX twice to request information regarding the supposedly outstanding balance. XXXX provided me with the phone number and name of a collector company, Credit Control. I contacted them and spoke with XXXX XXXX. He stated XXXX opened an account with them on XXXX XXXX regarding the supposedly outstanding balance and informed me XXXX never provided them with my email address or phone number. I asked them why they wanted to collect the supposedly outstanding balance when I was never contacted before for the past 7 years/ almost 8 years. They told me to contact XXXX for any questions, and that they will be putting the account on hold until they send my questions to XXXX and will the answers from them. I contacted XXXX XXXX XXXX XXXX  again, and this time they told me that they have sold my account to different collector companies starting on XX/XX/XXXX, but all the collectors closed the accounts, so XXXX kept selling the account to a different collector over the past 7 years/ almost 8 years. However, XXXX never contacted me, nor the many collector companies to include Credit Control. I requested to speak to a supervisor and was informed the supervisor was busy. I asked if it would be possible to get a detailed account history report with all the collector companies and their reason behind them closing the collector accounts for over the years. I was told XXXX did not have that information. I asked if I could speak with a person from XXXX that was willing to explain the charges, provide documentation and wanted to work on a payment agreement. I was told to contact Credit Control. 

Credit Control 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 explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please find the attached record of the account being deleted XXXX. 

I contacted Transinion previously to have an investigation completed yet they havent provided me with anything. 

Transunion failed to properly investigate and resolve my previous dispute. 

XXXX has provided me with the attached letterhead stating I have no account. If the merchant is unable to locate the alleged debt, how does transunion still hold me responsible. 

XXXX, XXXX have deleted the account. Transunion continues to illegally use my name and information to further cause me economic distress

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX Account Number 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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment History XXXX XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. This was clearly a billing error made by the company and it is not a reflection of my payment which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! I demand the late payment reported in XX/XX/2023 to be removed. XXXX XXXX never sent any periodic statements along with the disclosures from section 1637 ( b ) therefore there is no record of this late payment. 
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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment History XXXX XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. This was clearly a billing error made by the company and it is not a reflection of my payment which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! I demand the late payment reported in XX/XX/2023 to be removed. XXXX XXXX never sent any periodic statements along with the disclosures from section 1637 ( b ) therefore there is no record of this late payment. 
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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reached out to Equifax via XXXX mail regarding inaccurate information on my credit report. I requested reinvestigation to determine the accuracy of the disputed information and update the current status within 30 days of receiving my notice. I mentioned that their failure to verify these accounts has impacted my creditworthiness. Along with the letter, I provided details of the inaccurately reported accounts : XXXX XXXX ( XXXX ) and XXXX XXXX XXXX company. Equifax received my dispute on XX/XX/year>, as evidenced by the stamped return slip. However, the dispute took well over 30 days to resolve. I have copies of both the letter sent and the stamped return slip.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc
State: MO

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
In XXXX of 2023, an unfortunate car accident resulted in the total loss of my leased vehicle, which had been in my possession for less than a month. Following protocol, a letter of guarantee was promptly issued by Kia and forwarded to the insurance provider, XXXX, outlining the necessary payout amount for the loan. XXXX duly honored the letter of guarantee, remitting the specified sum as per the directive. 

However, complications arose months later when Kia communicated an unexpected deficiency of just over {$9000.00}, attributing it to an error in the initial letter of guarantee submitted to XXXX. Regrettably, by the time the corrected version was dispatched, XXXX had already closed the claim, leaving the residual amount unresolved and ultimately the responsibility of myself, the leasee. 

Despite diligent efforts to rectify the situation, including appeals to both Kia and XXXX, the matter remains unresolved. Persistent attempts to reconcile have resulted in a frustrating cycle of inconclusive dialogue, leaving me caught in the middle, grappling with conflicting accounts from the respective parties. 

It's particularly confounding given that I had a trade-in valued at just over {$7000.00} at the inception of the lease, casting doubt on the substantial discrepancy in the outstanding amount owed. The prolonged ordeal has not only adversely impacted my credit score but has also escalated to the involvement of a debt collection agency.

In light of these circumstances, it's imperative for a swift and equitable resolution to be reached, safeguarding the individual from unwarranted financial burden and undue stress. Efforts to mitigate the fallout of this dispute have thus far proven futile, underscoring the urgent need for decisive action to address this persistent and distressing predicament.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I DISAGREE WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR RE-INVESTIGATION. I WOULD LIKE THIS ITEM TO IMMEDIATELY BE RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. XXXX XXXX XXXX ACCOUNT NUMBER XXXX. IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, SUBSECTION A-D, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ABOVE, SO THAT I MAY FOLLOW-UP. 

ALSO, I AM ALSO REQUESTING AN ACTUAL SIGNED CONTRACT ( ALONG WITH THE DATE ), FROM ME THAT ACTUALLY ENTERS ME INTO A BINDING CONTRACT WITH EITHER COMPANY ( XXXX XXXX XXXX XXXX LISTED ON MY REPORT. FAILURE TO COMPLETE EITHER REQUESTS SHOULD RESULT IN THE ACCOUNT REMOVAL FROM MY CREDIT REPORT. 

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR RE-INVESTIGATION AND SUBMITTAL OF INFORMATION REQUESTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
This is the refilling of my complaint to XXXX XXXX XXXX. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency.

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency.

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED 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 explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I opened this card in XX/XX/2020- which right after this card was opened, we had a world pandemic. This card reported lates on my credit report when it should not have - the entire world shut down due to COVID, I was unable to work and XXXX XXXX XXXX knew that and with the government assistance not coming through fast enough and unemployment was impossible to get, there were some lates that happened that were out of my control. XXXX XXXX reported a 30, 60 and 90 day lates on this card until they closed the account and placed it into collections. it is now a " charge off account '' and I can't even pay off the debt. 
None of this should have happened in the first place, these lates were out of my control due to the pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I was a XXXX  XXXX  customer in Puerto Rico, when they closed my mortgage was transferred to Banco Popular of Puerto Rico, at that time my mortgage was up to date and all payments had been made, when Banco Popular took over my payments had fallen behind to no fault of my own, it was due to the lack of information being provided by the new bank, when offering a one lump sum to pay it was much too high and they offered a loan mod XXXX XXXX, I had made my XXXX  payments but after they had told me we did not qualify since then we had many delays and problems in Puerto Rico, but now the new modification is well over XXXX XXXX XXXX  being added to my mortgage in undisclosed fee 's and who knows what, yet we still receive monthly statements of only {$300000.00}

Company response to consumer: Closed with explanation