vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MO

Complaint narrative:
I am disputing because I am a member of XXXX XXXX XXXXXXXX XXXX  and I am low to no income I had mo rent and it is a mistake I shouldn't have an eviction I was not taken to court. And also its causing me to be homeless with my daughter right now with my housing voucher due to being noted eviction and it honestly isn't I haven't been evicted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Some of the accounts that are on my credit report is still reporting as late payments and the accounts have all been paid off and they are over XXXX XXXX XXXX. Then they trade collection accounts to other companies which makes it look like they are new collections when they add it to my account. This is unacceptable because these accounts are from XXXX and older and have been paid off. They should not still be populating on my credit report. There is a XXXX  account for {$670.00} that does not belong to me. It belongs to XXXX XXXX and they keep saying its mine. It is notthey account was transferred to his name. I would like these corrected because it is definitely making my credit bad when I actually have no debt but my car payment and student loan. Thank you.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Some of the accounts that are on my credit report is still reporting as late payments and the accounts have all been paid off and they are over XXXX XXXX XXXX. Then they trade collection accounts to other companies which makes it look like they are new collections when they add it to my account. This is unacceptable because these accounts are from XXXX and older and have been paid off. They should not still be populating on my credit report. There is a XXXX  account for {$670.00} that does not belong to me. It belongs to XXXX XXXX and they keep saying its mine. It is notthey account was transferred to his name. I would like these corrected because it is definitely making my credit bad when I actually have no debt but my car payment and student loan. Thank you.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, XXXX & XXXX XXXX XXXX has violated my rights. 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 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 moreover 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 non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Inaccurate names : XXXX XXXX and XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ; inquiry : XXXX Inquiry Date XX/XX/2022

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Inaccurate names : XXXX XXXX and XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX ; inquiry : XXXX Inquiry Date XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2023, I had an offer for a balance transfer on my Elan Business credit card. I went on-line to make the balance transfer as my credit limit was sufficient to make these balance transfers. I input all the required information for three companies - XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I called to follow up with Elan on XX/XX/XXXX and the Card Services representative said that they received the request to transfer but it was not complete because they required an extra verification and so I gave her the verification over the phone. Prior to the end of the call it was dropped and so I called back on XX/XX/XXXX ( spoke to a supervisor ) and they told me they still saw the balance transfer and it would be submitted. I called back on XX/XX/XXXX ( spoke to a representative in Card Services ) and they also informed me that my balance transfers were indeed pending and would be processed and mailed out within 14 days. Fast forward to today, XX/XX/2023, I spoke to a Card Services Representative XXXX XXXX XXXX who said that there was a " fraud '' alert on my account and that she apologized but no checks had been mailed out. Then I spoke to the Cardmember services, XXXX XXXX who further stated that this company had already charged the balances to my account and never processed or mailed the checks. This is fraudulent activity, and I would like an investigation into the practices of this company. They are deducting from my available credit card balance from approximately XXXX XXXX XX/XX/XXXX and never mailed any checks to substantiate deducting this balance. During my second call to Cardmember Services Supervisor, XXXX she said that they could not remove the fraudulent charges on my card until XX/XX/XXXX. So, we have three areas of inquiry : 1 ) fraudulently offering balance transfers without fulfilling the deal and 2 ) deducting from customer balances without sending out the balance transfer checks and 3 ) misrepresenting to consumers that they have mailed checks when they havent been mailed. I am sure I am not the only one who has encountered this with this company and this needs to be investigated.

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 monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXX  XXXX # XXXX has violated my rights.15 U.S.C 1681 section 602 A I have a right to privacy.15 U.S.C 1681 604 section 2 XXXX states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: International Computer Systems, Inc.
State: CA

Complaint narrative:
I am writing to address the collection account reported by First Collection Servs on my credit report. It has come to my attention that there is a collection account associated with my name, and I have reason to believe that the accuracy and validity of this account are questionable. Upon reviewing my credit report, I have identified the presence of the collection account in question. However, I have no knowledge or record of any outstanding debt owed to the creditor listed on the account. This discrepancy has raised concerns regarding the accuracy of the information being reported. I hereby request that First Collection Servs conduct a thorough investigation into the validity and accuracy of this collection account. I kindly ask for the provision of supporting documentation and evidence that substantiate the legitimacy of this debt, including the original creditor 's agreement, a detailed account statement, and any other relevant information. It is important for me to ensure the accuracy of my credit report, as it directly impacts my financial standing and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I was with Navient for many years, and was unable to make payment for a very, very long time. The loan went to collections and I entered into a program through Navient to make a very small payment for I think 8 months consecutively to put the loans back into good standing and drop the total amount owed down quite a bit, I cant remember the details exactly but I think it was like reduced accumulated interest and penalties or something. That was awesome, it dropped my total owed down quite a bit. However, once my loans were back in good standing, I was still destitute and making only like {$800.00} a month and couldnt afford payments. They informed me I was making too much to qualify for any programs with reduced payments and had to either pay a ridiculous monthly payment or go into forbearance. I believed I had no choice but to go into forbearance and let interest accumulate for several years in a row, which meant that the interest ended up ballooning my total owed back up to the amount it was originally at with interest and penalties before the program to put loans in good standing that I entered into dropped the total owed to something far less depressing. I now know I was more than eligible for reduced payments or possibly interest free deferment or something like that, and that they steered me into forbearance deliberately to pump up my amount owed. Im a single dad with no college degree, my sons mother is deceased, and I know I have a loan that needs to be dealt with, but the amount owed currently is about double what it was when I completed the renewed good standing program offered by Navient, and there is no way I can pay off almost {$100000.00} in student loans and fees and house my kid. I feel I was very manipulated by Navient and XXXX truly hoping there is something to be done about it. Ive already applied for and have been approved for an income based program but havent heard what the payments will be. Please let me know if there is some thing I can do about the devious behavior of Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent letters to make my personal info on my credit report be updated. Specifically, I requested my old addresses be updated or removed because I don't live there any more. Moreover, I have submitted necessary documents to show my identity and current address, respectively but TO NO CHANGES AT ALL. 
I also submitted a complaint on FTC about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I believe my denial is personal with Truist Bank or am being penalized for being an excellent payor. I had an auto loan with Truist in which I paid in full in XXXX. However, I could not reloan with Truist to purchase another auto with XXXX credit score and IDR {$0.00} payment student loans. Fast forward today, XX/XX/XXXX, Truist has a problem with " XXXX '' ( my record states XXXX ) credit score and student loans being forgiven. States due to {$1000.00} mortgage and student loans XXXX is 88 %. I have documentation stating student loans have been forgiven due to XXXX v. XXXX in which I provided the loan XXXX -- both are in process mode. Underwriter countered and stated credit report needs to show XXXX balance for forgiven loans and did a " song and dance '' on the XXXX in which loan was unlawfully denied. In other words, the underwriter noted the federal government 's notice that student loans have been forgiven is a misnomer and that the only legal notice is a XXXX balance on credit report which can take months to effectuate. For reference the new purchase is {$29000.00} with {$26000.00} being given as a trade-in and only {$32000.00} left on the present loan with my credit union XXXX Also, not sure future COLAS were taken into consideration. Interest rates matter in this financial climate.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc.
State: FL

Complaint narrative:
This company has used and shared my private information with other companies which caused more than one inquiry on my credit report this company is in complete violation of the fair credit report and act they did not receive consent written consent from me to obtain my credit report or to share my personal information with other companies I clearly requested my credit report and seen that this company was on there as an inquiry I reached out to the company to see if they can remove and delete the items that they placed on my credit report unlawfully the company has not responded in no way while disputing with another company that was an inquiry on my credit file this company has admitted that the same company shared my information with them and that is how they in turn put it in XXXX on my account both of these companies had no permissible purpos.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: CT

Complaint narrative:
I purchased a vehicle and the dealership set me up with an account at Westlake Financial. I then went to their website to create an online profile and set up AutoPay. I didn't realize at the time, but when I set up autopay it had set it up for the second month rather than the first. The dealership wound up calling me to ask about the first months payment because the bank called to notify that it hadn't been received. I then looked online and realized and made the payment immediately. After making the payment the dealership asked for confirmation, so I sent the statement from the bank confirming the payment had been made. 

Westlake Financial accepted my first payment and then proceeded to sell my loan back to the dealership without ever notifying me or contacting me. The dealership then repossessed the vehicle, so not only was I out the car, but also the first payment that was made. 

I contacted Westlake Financial many times and asked to speak to a manager, etc and was never able to get the call escalated to anyone other than the initial representative who told me that Westlake has a buyback program with the dealership, but also wouldn't share the details of that program with me. No where in the contract I have with Westlake does it mention this. The only thing it mentions is a late fee for missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I was involved in a motor vehicle accident on XX/XX/2023, which resulted in my leased vehicle being totaled. It was the other drivers fault and they were issued tickets. I started my insurance claim that same day as soon as I was released from the hospital. On XX/XX/2023 my insurance company sent all required documentation to my lease company, Hyundai Motor Finance. It was verified by myself, my insurance, my local insurance agent, as well as my local Hyundai dealer that Hyundai Motor Finance was in receipt of the documents they needed to send my insurance company a letter of guarantee so that my insurance company can send payment to take care of the lease balance. They verified via phone as early as XX/XX/2023 that they in fact had this paperwork in their hands on XX/XX/2023. Their calls are recorded and it can be verified that myself, as well as other people trying to help me with this, were in fact told that Hyundai Motor Finance said multiple times that they were in receipt of the paperwork they needed and they would send a letter of guarantee to my insurance company which is the next step in the process. It is now XX/XX/2023, a month later, and nothing has been sent.

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 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I was recently advised that my Prosper credit card and XXXX XXXX card were closed. In regards to the Prosper account, I was 30 days late and once I attempted to make a payment on XXXX XX/XX/XXXX I learned my account was closed. I called to question and I was advised that my credit was run again ( which I feel was unnecessary because I already had an established account since XX/XX/XXXX ) and that they determined I was no longer eligible so they closed the account. 
XXXX XXXX accepted my payment on XX/XX/XXXX and now the account is closed. I called the XXXX number but customer service could not provide me any valid reasons. 
By closing these credit cards it has caused harm to my credit report. 
This is a great concern because how many other people have this very thing happened to them? This is clearly bad business practice.

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