vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: FL

Complaint narrative:
On XXXX I was contacted by XXXX via email ( attached ) demanding that I change my FTC Identity Theft report, as they claimed it " did not meet their requirements ''. I called XXXX XXXX XXXX at XXXX on the same day and spoke with an agent, who informed me that the blocking request was denied until I update the filing with the FTC to meet guidelines. I called the FTC at XXXX and spoke with a live agent who read over the FTC Filing and stated there was nothing in the report that wasn't in guidelines. The FTC helped me to rewrite the filing, and also submitted a complaint against XXXX for the daily denial of the blocking request, each day with a different reason. 

This complaint is being filed as an update to the FTC Identity Theft report, as a way to provide proof that I have provided all required documents in this blocking request, and to prove that XXXX is acting unlawful. 

This filing is also being sent to TRANSUNION AND XXXX as the updated FTC Report. 

Furthermore, XXXX on XXXX DENIED my request to remove XXXX noting that they verified the debt is mine, however this too is IDENTITY THEFT and has been included on the FTC IDENTITY THEFT report and is hereby ordered REMOVED!

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 2024-05-09 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: TX

Complaint narrative:
I have sent several letters to equifax to verify some incorrect accounts on my credit reports and I have still yet to receive a response or updates

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CapitalCredit LLC
State: TX

Complaint narrative:
This has taken place on the XXXX of XX/XX/2024. They are telling me I have to pay {$250.00} every 14 days. I have explained I only get paid twice monthly and my payment is {$500.00} monthly. They told me that is not satisfactory and I need to pay more. I have explained to them the loan is being satisfied and I can not pay more. Only then I started being threatened by the company. 

CapitalCredit LLC Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Caine & Weiner is trying to collect a debit of {$400.00}! I never signed any documents with this company. They are not even licensed and bonded to collect debts in the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to dispute the late payment entries on my SYNCB/Care Credit account, as reported on my credit report. The details of the account in question are as follows : Creditor : SYNCB/Care Credit Account Number : XXXX XXXX : Account Type : XXXX XXXX Account Status : Open Monthly Payment : {$72.00} Date Opened : XX/XX/XXXX Balance : {$900.00} High Credit : {$1000.00} Credit Limit XXXX {$720.00} Payment Status : Paid or paying as agreed Last Reported : XX/XX/XXXX XXXX : Account Type : Charge Card Account Status : XXXX XXXX XXXX XXXX  {$72.00} Date Opened : XX/XX/XXXX Balance : {$900.00} High Credit : {$1000.00} Credit Limit XXXX {$720.00} Payment Status : Current, was XXXX XXXX XXXX XXXX Last Reported : XX/XX/XXXX XXXX : Account Type : XXXX XXXX XXXX : Open XXXX Payment : {$72.00} Date Opened : XX/XX/XXXX Balance : {$900.00} High Credit : {$1000.00} Credit Limit XXXX {$720.00} Payment Status : Pays account as agreed Last Reported : XX/XX/XXXX I acknowledge that there were late payments on my SYNCB/Care Credit account in the past. However, I want to bring to your attention that I have since caught up on all payments and have not missed any payments thereafter. 

I take my financial responsibilities seriously, and I have made significant efforts to rectify any past delinquencies. I have established a consistent payment schedule and have been diligently making payments on time to maintain a positive credit history. 

Please investigate this dispute and provide me with written documentation of the results. I appreciate your attention to this request and look forward to a prompt resolution.

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 2024-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I went to XXXX XXXX from XXXX. Before I applied and got accepted, the school had a prestigious reputation. There were some rumors and talks about a lawsuit where there were false claims from the school telling students they would make certain amounts of money. Everyone working at the school reassured me and the prospective students that these claims were in the past and the school was different now. Of course, I believed it and proceeded to apply to the school and be surprised when I got accepted thinking it meant they liked my work and saw potential in my photography. Then shortly after I started going to XXXX XXXX, it got sold to XXXX. Immediately everything changed. They sold the old school where XXXX XXXX started. XXXX changed a bunch of staff members. And as a young adult, I got pressured in to always applying for and taking the maximum amont of student loans that I could. Even after asking why because I could tell it was too much, the " counselors '' pressured me in to taking the max amount. I was told multiple times to take the max amount and then immediately pay back whatever I thought I didn't need. Looking back, I see how obviously predatory this was but at the time I did not know any better. I was not alone in this practice. All of my friends and classmates that needed help paying for the extremely expensive schooling were told the same things. Take the max amount whether you need it or not. We were also told time and time again that we could come out of school and immediately be making upwards of XXXX per year as XXXX XXXX Few of my classmates found work as XXXX  and none of them made anywhere near that amount. XXXX and XXXX XXXX lied and preyed on students repeatedly for many years. This is why all students who attended that school should have their loans canceled and all the money, including interest, should be returned to the students who fell victim to that predatory school. To date, I have paid {$97000.00} in private loans and I'm one of the lucky ones that managed to have a relatively lower, though still predatory and ridiculous, amount coming out of that school.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
There was an unauthorized charge on my vanilla gift card. 

purchase date : XX/XX/2024 Amount : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following, but they have failed to provide it. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry, and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following, but they have failed to provide it. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry, and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I am writing to follow up on my previous communications regarding the unverified negative account on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item.

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 2024-05-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
-While living in California XX/XX/XXXX - I leased a car through Kia Finance . 

-Moved back to my home state of Massachusetts XXXX XXXX. 

XXXX XXXX - Lease with Kia Finance ends - I purchased my lease in full for {$14000.00} via Cashier 's Check. Kia Finance gave me confirmation of payment received. 

XXXX XXXX - Kia tells me they sent my title to my insurance agency ( this is unheard of, - no car title is ever sent to an insurance company. ) Confirmed with liberty mutual that they never received my title, nor do they ever deal with Titles or state transfers. It is now essentially lost in the mail ... at the hands of Kia Finance. 

XXXX XXXX XXXX - California registration expires. I am now unable to register my car, as I am now the " owner '' but have no Title - and there is still a lien on the vehicle even after I have paid for it in full with cashier check. 

XXXX Weeks Later : XX/XX/XXXX - Kia lets me know they have sent in an application for a REPLACEMENT title with the California DMV headquarters in XXXX. Tells me it will be 6-8 weeks for me to receive my title, and then they will release the lien and overnight it to me. I have a tracking number to see that it has been delivered on XX/XX/XXXX. Great. 

Between XX/XX/XXXX - present day : I have emailed XXXX, as well as XXXX - over XXXX times. They do not respond, instead they have my case XXXX XXXX XXXX call me. She repeatedly tells me they will not check the status with the DMV " at this time ''. They tell me there is no way for me to check the status of my replacement title. They insist they will check the status after 8 weeks. Why 8 weeks? The DMV let me know it shouldn't take longer than XXXX. It has now been past XXXX weeks. I have not been able to drive my car for 2 months. 

XX/XX/XXXX - I called the California DMV headquarters to ask for the status of the application myself. They can not tell me, as I am not the lienholder. They let me know IT ONLY TAKES 4-6 WEEKS. NOT 6-8 WEEKS AS KIA TOLD ME ... .so at this point, they're lying. 

XX/XX/XXXX - I call Kia to let them know this information. I ask, and beg them to call the CA DMV headquarters so they can get a status of the replacement title application- they tell me they have to wait the full 8 weeks - why? The dmv already told me it takes up to 6 weeks. Not 8 weeks. It has now been 6.5 weeks ... ... Kia will not reach out to the DMV for me, no matter how much I plead.

Due to not having my vehicle registered and being unable to drive it - I have no transportation to or from work. I am on the verge of losing my job because of this.

Additional discrepancy : BILL OF SALE : Kia would not send me a signed Bill Of Sale until I emailed them SEVEN TIMES. They sent me an unsigned bill of sale TWICE. What would one do with a bill of sale that was not signed by the seller exactly?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-09 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: KS

Complaint narrative:
On XX/XX/XXXX, Transunion dropped my credit score from XXXX to XXXX. ( XXXX has my score at XXXX. ) I called them and asked the rep how did my score drop? He stated well you don't have payment history or any accounts right now. I said well, I haven't had any accounts when my score was XXXX so explain to me how it dropped. He kept repeating the same answer. I said that makes no sense. Let me talk to a supervisor. He said there's no supervisor to speak to. If I haven't changed anything there is NO reason for it to drop overnight by XXXX points. He told me you'll just need to get a credit card and make regular payments. I said, no one will approve me for any kind of credit with this score. 

I'm making payments on student loans but they won't start reporting until XXXX. Help please. I'm paying my bills that I do have, don't spend what I don't have so why?

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 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> at exactly XXXXXXXX XXXX XXXXXXXX, I went to a Chase ATM to deposit {$1000.00} USD for my Rent like I always have for the past 4 years. The ATM machine prompted me to insert my cash after I input my details. The ATM Machine then proceeded to take my neat and straightened Bills and freeze with my deposit still inside of it. After waiting for approximately 3 Minutes, the ATM began counting the bills and gave me a red error message saying the deposit didnt go through. The ATM printed a receipt prompting me to call Chase to confirm my deposit of {$1000.00} USD went through. I called Chase and they began their investigation. 5 days later I called again and they said to me that the money wasnt found. I asked how can that be possible when Camera footage exists, they denied my claim but offered to look into it again. After reopening and investigating for another additional day, they had denied my claim and insist the money doesnt exist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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