vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-25 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account number : XXXX Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.

I am herby requesting all above disclosures required by Federal.

Yours Truly XXXX, XXXX ( All Rights Reserved )

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 2023-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Dispute # XXXX # XXXXXXXX XXXX Filed dispute for three duplicate charges {$150.00} each {$450.00} total XX/XX/ denied XX/XX/XXXX  Reopened and still being investigated and I have not been provided temporary credit. 

The original valid {$150.00} transaction I made was on XX/XX/ but it was refunded XX/XX/2XXXX by XXXX XXXX the remaining three are duplicates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
I opened a XXXX XXXX account in XXXX I know because I bought something for my truck and then it got repo and I have proof when it got repo and it's saying I opened it in XXXX there two other credit cards saying they opened in XXXX and they were opened in XXXX instead of being close to get off my credit it's saying it's only XXXX XXXX XXXX I dispute them and the creditors wrote a negative remarks under each report, and I keep calling them and I'm getting no response I don't to pay them if there the problem but I'm trying to buy a house for me and my kids so I need these issues solved to get off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
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 2023-12-25 00:00:00
Product: Vehicle loan or lease — Loan
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: TN

Complaint narrative:
I had a loan through Kia Finance America for a XXXX XXXX XXXX : XXXX ; Account : XXXX The car was involved in an accident and totaled on XX/XX/XXXX. My insurance company paid {$45000.00} on XX/XX/XXXX leaving a balance of {$15000.00}. At this time, I continued to make payments and when my XXXX insurance made a payment of {$16000.00} on XX/XX/XXXX, my balance had been down to {$14000.00}. This left a surplus and an overpayment of {$1900.00}. 

I have contacted Kia American over and over, via phone to the customer service department, asking for a refund at which they assured me that they would make a request for the refund. I have not received the refund and it is now the end of the year. I called Kia of XXXX dealership, where I purchased the car, and they advised me to sue Kia America. Before I do this, I am asking if you can step in and assist me in getting this refund before pursuing legal action. 

Thank you very much in your help in this matter. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2023-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services
State: CA

Complaint narrative:
Lendmark Financial Services XX/XX/XXXX Open Loan {$4900.00} Principal ( P ) Interest ( I ) Total ( T ) Balance ( B ) XX/XX/XXXX Payment - {$53.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4900.00} ( B ) XX/XX/XXXX Payment - {$50.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4800.00} ( B ) XX/XX/XXXX Payment - {$55.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4800.00} ( B ) XX/XX/XXXX Payment - {$53.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4700.00} ( B ) XX/XX/XXXX Payment - {$54.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4700.00} ( B ) XX/XX/XXXX Payment - {$68.00} ( P ) {$110.00} ( I ) {$180.00} ( T ) {$4600.00} ( B ) XX/XX/XXXX Payment - {$58.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4500.00} ( B ) XX/XX/XXXX Payment - {$63.00} ( P ) {$120.00} ( I ) {$180.00} ( T ) {$4500.00} ( B ) XX/XX/XXXX Payment - {$61.00} ( P ) {$120.00} ( I ) {$180.00} ( T ) {$4400.00} ( B ) XX/XX/XXXX Payment - {$67.00} ( P ) {$120.00} ( I ) {$180.00} ( T ) {$4400.00} ( B ) XX/XX/XXXX Payment - {$65.00} ( P ) {$120.00} ( I ) {$180.00} ( T ) {$4300.00} ( B ) XX/XX/XXXX Payment - {$66.00} ( P ) {$120.00} ( I ) {$180.00} ( T ) {$4200.00} ( B ) XX/XX/XXXX Payment - {$72.00} ( P ) {$110.00} ( I ) {$180.00} ( T ) {$4100.00} ( B ) XX/XX/XXXX Payment - {$70.00} ( P ) {$110.00} ( I ) {$180.00} ( T ) {$4100.00} ( B ) XX/XX/XXXX Payment - {$76.00} ( P ) {$110.00} ( I ) {$180.00} ( T ) {$4000.00} ( B ) Interest Rate 32.99 % ****That is the status of my loan for a Car, It started at {$4900.00} and after {$2800.00} in payments my Balance is down to only XXXX? It seems like nothing here is going to the Principal of the loan and I'm going to be paying it off forever? I should be approaching the end of the interest payoff, so shouldn't the balance be going down more rapidly at this point? I do not remember how long the loan was set for, if it were 3 years or 4 years. If it's 4 years I feel like it's got to be criminal like a loan shark or something at this point, interest would be {$4000.00}? **** ****I was helping someone get a car after theirs was stolen, so it was all rushed and we just took what we could get. I'm just trying to understand when the loan will actually be paid off, and what the total is going to be. I don't really know anything like most people I imagine, though everyone on the XXXX  is complaining about this company, Some increased their payment amounts and still see no real hit to the principal. The interest seems especially exorbitant. ****

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I recently found myself entangled in what appears to be an elaborate scam. Despite my persistent efforts to contact the company involved and to settle the dispute with the payment provider PayPal through which I initiated the transfers to the fraudulent entity, I have encountered no help or solutions.

The Scammer approached me online, she created a false identity and pretended to have false romantic intentions towards me to gain and then take advantage of my trust and affection in order to access my cash, bank, and trading account. I have conducted numerous transactions via PayPal with an individual who possessed multiple accounts registered with the PayPal platform. Regrettably, these accounts were utilized as components of a complex fraudul
ent scheme targeting unsuspecting individuals, and I, regrettably, became one of the victims. It was disheartening to learn that such fraudulent activities were transpiring despite PayPal 's reputation as a secure and trustworthy platform. According to PayPal 's terms of service, individuals are strictly authorized to maintain a single personal account. It is explicitly forbidden to have multiple personal accounts registered under the same individual 's name. The creation of multiple personal accounts unmistakably contravenes PayPal 's established policies. This clearly happened in this case. It is important to also acknowledge that PayPal is obligated to conduct ongoing monitoring once an account is verified.

This involves vigilant scrutiny of transactions and activities to identify any suspicious or irregular behavior. PayPal diligently reviews incoming and outgoing payments, employs measures to detect potential fraud patterns, and adheres to applicable regulatory requirements for reporting suspicious activities. Considering the circumstances where funds were being transferred to the same individual but through different accounts, one would expect PayPal to implement enhanced due diligence measures. These additional verifications would have been crucial in understanding the context of these transactions. Regrettably, it seems evident that even fundamental due diligence procedures were not executed by PayPal for these accounts. Therefore, I want to reiterate that these accounts were created as part of an elaborate scam to defraud unsuspecting individuals, and unfortunately, due to the lack of diligence and compliance of PayPal, I became one of the victims. In fact, if only PayPal performed the basic scrutiny that was owed to me as a client, for the sake of my safety, this victimization could have been prevented.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I had called the car company to come get it for years I also towed it to them once. The transmission was dragging out the bottom of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES AND ACCOUNTS : XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local XXXX  statutes, and may result in a fine, imprisonment, or both. Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-12-25 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: PA

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES AND ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police.

Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.

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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
hello on XX/XX/23 i spoke to transunion and also sent them a dispute in regards to some in correct information on my credit. It has been over a month and they have not proceessed this request. I wish to have this matter handled before the new years but they have ignored me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
hello on XX/XX/23 i spoke to transunion and also sent them a dispute in regards to some in correct information on my credit. It has been over a month and they have not proceessed this request. I wish to have this matter handled before the new years but they have ignored 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 2023-12-25 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
hello on XX/XX/23 i spoke to experian and also sent them a dispute in regards to some in correct information on my credit. It has been over a month and they have not proceessed this request. I wish to have this matter handled before the new years but they have ignored 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
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: PA

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES AND ACCOUNTS : SECURITY SERVICES, XXXX, XXXX, XXXX, XXXX, XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 1

5 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police.

Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-25 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: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation