vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 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: TN

Complaint narrative:
I have been the victim of identity theft. Based on the review of my credit report, the following inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
From XXXX to present I have complaint and made several attempts to correct the inaccurate information by way of CFPB and the three Credit Bureaus. I have not problem with XXXX XXXX XXXX not reporting monthly to the bureaus, however the truth in lending should prevail. 

I've had a mortgage with this company since XX/XX/XXXX, which is current and in very good standing. I did a loan modification in XXXX and in XX/XX/XXXX I filed for a Chapter XXXX which discharged in XX/XX/XXXX. 

During that time my attorney and I was not notified that a reaffirmation was needed, XXXX XXXX XXXX has taken a position not to report to the credit bureaus because of this ; however, the way they have chosen to report is the crux of the problem. 

They reported that my loan ( XXXX ) closed in XX/XX/XXXX, which is a total fabrication. I have no problem with them not reporting monthly. However, they conveniently omit I am currently paying this " SO CALLED '', closed mortgage at $ XXXXsince the said closing. 

I want them to tell the truth ... that I am paying as agreed and nothing else ; sense it is their position and prerogative not to report monthly. Instead of fabricating and falsifying damaging lies in the interest of fair reporting I demand that they tell the truth, a statement of " paying as agreed '', is not ask in too much. Because it is the truth.

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
From XXXX to present I have complaint and made several attempts to correct the inaccurate information by way of CFPB and the three Credit Bureaus. I have not problem with XXXX XXXX XXXX not reporting monthly to the bureaus, however the truth in lending should prevail. 

I've had a mortgage with this company since XX/XX/XXXX, which is current and in very good standing. I did a loan modification in XXXX and in XX/XX/XXXX I filed for a Chapter XXXX which discharged in XX/XX/XXXX. 

During that time my attorney and I was not notified that a reaffirmation was needed, XXXX  XXXX XXXX has taken a position not to report to the credit bureaus because of this ; however, the way they have chosen to report is the crux of the problem. 

They reported that my loan ( XXXX ) closed in XX/XX/XXXX, which is a total fabrication. I have no problem with them not reporting monthly. However, they conveniently omit I am currently paying this " SO CALLED '', closed mortgage at $ XXXXsince the said closing. 

I want them to tell the truth ... that I am paying as agreed and nothing else ; sense it is their position and prerogative not to report monthly. Instead of fabricating and falsifying damaging lies in the interest of fair reporting I demand that they tell the truth, a statement of " paying as agreed '', is not ask in too much. Because it is the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
From XXXX to present I have complaint and made several attempts to correct the inaccurate information by way of CFPB and the three Credit Bureaus. I have not problem with XXXX XXXX XXXX not reporting monthly to the bureaus, however the truth in lending should prevail. 

I've had a mortgage with this company since XX/XX/XXXX, which is current and in very good standing. I did a loan modification in XXXX and in XX/XX/XXXX I filed for a Chapter XXXX which discharged in XX/XX/XXXX. 

During that time my attorney and I was not notified that a reaffirmation was needed, XXXX  XXXX XXXX has taken a position not to report to the credit bureaus because of this ; however, the way they have chosen to report is the crux of the problem. 

They reported that my loan ( XXXX ) closed in XX/XX/XXXX, which is a total fabrication. I have no problem with them not reporting monthly. However, they conveniently omit I am currently paying this " SO CALLED '', closed mortgage at $ XXXXsince the said closing. 

I want them to tell the truth ... that I am paying as agreed and nothing else ; sense it is their position and prerogative not to report monthly. Instead of fabricating and falsifying damaging lies in the interest of fair reporting I demand that they tell the truth, a statement of " paying as agreed '', is not ask in too much. Because it is the truth.

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 2021-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have reached out to XXXX XXXX to remove me as authorized user on 2 cards. I never used these accounts and made aware by the account holder of their request to have me removed as authorized.

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 2021-09-09 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: TX

Complaint narrative:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Third party in debt collectors constantly threatening

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
XXXX has been hiring numerous debt collectors and reporting a fraudulent account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: TX

Complaint narrative:
XXXX XXXX XXXX {$34000.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX XXXX XXXX Amount {$2900.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX  Amount {$7300.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft Hard Inquires XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS 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 2021-09-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/XXXX we received a letter saying our CD would mature on XX/XX/XXXX. My husband and I both signed the letter saying to redeem the CD and send funds ASAP. On XX/XX/XXXX I check my XXXX XXXX account where I had purchased the CD and it has been removed, so we assumed dollars were on the way. XXXX XXXX had sold out to US Bank. XX/XX/XXXX I contacted US bank and was told that was not the correct way to redeem but they ( XXXX ) would take care of it and rush it through. XX/XX/XXXX still no check so I called back to US and talk to XXXX who said he would rush it through. On XXXX we contacted my XXXX agent for help and received a call from XXXX, VP at US, saying how sorry she was but was not sure what went wrong. She had no authority to help or even see the records??? On XXXX received a call from US, XXXX saying check was on it way. Each person I requested to go to a US office to get my money and was refused. I ask for the check to be overnighted and was refused. I got upset and said I should receive interest for the time I dont have my money. Said no they could not do that. Today XXXX mail just ran and still no check. Please help. XXXX and 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 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I am bringing to credence attention of the violation they committed under the fair debt collection practices act. Attach to this complaint you will find an Unsworn Declaration of Truth, a Cease and Desist with the demands of I, the consumer, and exhibits as proof of Credence Resource Management violations against I, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved.The XXXX Credit Bureau is reporting inaccurate information on CAINE & WEINER COMPANY INC Opened XX/XX/2017. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: TX

Complaint narrative:
IN RESPONSE TO CFPB:XXXX XXXX XXXX XXXX Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I pulled my credit report recently and I have information that is inaccurate. I wasnt also able to pull my XXXX and XXXX. This is the second report that I have filed cfpb.com has supposedly lost the first filing i have spent 2 days on the phone even receiving a email from you to send a respond and I did and still no respond. So I am filing again. 
My name is spelled multiple ways and there are several addresses which will be listed below that do not belong to my possibly a relative or the information numerically are incorrect. I have multiple phone numbers on the report which are not mines. Accounts that should have been included in my bankruptcy that are not. And multiple hard inquires that I have not done business with that need to be removed this is a serious error and its costing me thousands of dollars in interest fees and denial letters because of inaccurate information and not properly reporting I am in distress the items listed below need to be removed immediately. 
addresses : XXXX XXXX XXXX XXXX # XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXXXXXX XXXX XXXX MT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX IL telephone numbers that are inaccurate : XXXX ) XXXX XXXX ) XXXX employers that are incorrect : the XXXX XXXX and XXXX need to be removed accounts that are inaccurate : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX HASNT BEEN REMOVED SHOULD HAVE BEEN INCLUDED IN BANKRUPTCY CHAPTER XXXX BANKRUPTCY IS FILED INCORRECTLY ITS NOT INCLUDED ALL THINGS THAT WERE PAID AND AGREED UPON 13 HARD INQUIRES AND 9 OF THEM I HAVE NOT DONE BUSINESS WITH AT ALL OR HAVE NO KNOWLEDGE OF 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 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: NJ

Complaint narrative:
I am not liable for this debt with XXXX XXXX  XXXX and I do not have a contract with NCA plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: TX

Complaint narrative:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be 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 explanation
Consumer complaint received 2021-09-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be 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 explanation
Consumer complaint received 2021-09-09 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: CT

Complaint narrative:
i checked my credit report today and i found out that Equifax is attempting to report an invalid collections account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX this account has been disputed and deleted in the past and has recently been deleted by XXXX XXXX my consumer credit profile. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. 
i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. 
i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: CA

Complaint narrative:
I have asked for a statement with my rolling balance due on two occasions now. Audi Financial has not complied with my request. My loan payment is on time and paid monthly but I can't reconcile my payments with my balance due. 

I made payments in the months of XXXX, XXXX and XXXX of 2021 for a total payment of {$1900.00} ( {$630.00} per month ) However my statement balance on the vehicle only went down {$460.00} dollars. I am NOT familiar with this math, my interest rate is 5 % so my question is where did the {$1400.00} in payments go? If not to pay off my balance and or interest? How does AF come up with their numbers. 

When pushed for a response I received a " shell game '' response to the effect of... well if this, then that and it depends on if you request the payment to go the loan or the interest or the next payment or, or, or. NOT acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I contacted The Bureaus Inc. to pay off the {$560.00} debt that was claimed on my credit report. I was given the runaround by their automated system, and was forwarded to XXXX XXXX XXXX. So XXXX XXXX XXXX did not have any details about my account and I was told to call The Bureaus Inc. back with a blocked number, by dialing XXXX first then their number. Well, I called The Bureaus Inc. with a blocked number, this time, and got to them at last. But, The Bureaus Inc. told me that they don't own this debt any more and that the XXXX XXXX  owns this debt, and so there is no way for them to accept a payment from me. Ok, so I filed a dispute on XXXX to get them off my credit report. The dispute was rejected because The Bureaus Inc. somehow proved that they own this debt. So, I called XXXX and told them this story. I was advised by XXXX to escalate this issue with FTC. I hope you can help me out. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
We leased a XXXX XXXX XXXX XXXX. The lease ended in XX/XX/XXXX. We bought the car for over {$20000.00}. We filled out the forms and the odometer statement. Hyundai Motor Finance said we will receive the title in 30 days. End of XXXX no title, XXXX no title. Called multiple times and they said they sent it and we will receive end of XXXX. Never came. In XXXX called again. They said they sent but we never received. They said they would send a letter for release of title federal express we could take to the DMV. We waited all of XXXX and nothing came. Called again beginning of XXXX. They said we will send a release of title XXXX  XXXX on the XXXX. NEVER CAME. We have now gone 5 months with no title. We need help. Hyundai should not be allowed to not fulfill their obligation to customers who buy a car from them. Since this has happened I have researched on the Internet- this is happening to thousands of customers. 

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