vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
I filed a XXXX XXXX XXXX where my parking tickets should have been included in a special payment plan. This law firm has refused to honor these terms and refused to provide callback or email response as they claimed. Now my vehicle is at risk of being seized due to this firm breaking the federal bankruptcy laws that protect my vehicle and parking tickets related to this matter. They have been nasty on the phone and refused to transfer to a supervisor nor honor the payment plan that I was told I was eligible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: CBC Companies, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Innovis Consumer Assistance regarding inaccurate accounts being reported on the Consumer report please see dispute. On XX/XX/XXXX, I received correspondence from the CFPB regarding complaint # XXXX and the response Innovis informed the consumer financial protection bureau that it did not recognize my complaint. In the original dispute I submitted a copy of my social security card and my illinois state ID with identifiable information confirming my identity. I disputed an account reporting by XXXX XXXX XXXX that I was not approved for this loan under acct ending in # XXXX. That account should have never appeared on my personal credit report that account is under a corporation and by the document it states that I was not approved for this loan. Is XXXX XXXX XXXX committing underwriting fraud with XXXX XXXX XXXX by switching contracts? The letter dated XX/XX/XXXX states that they were not able to approve my application for the amount of {$66000.00} please see letter as proof that the loan was denied. On XX/XX/XXXX, case ID # XXXX please see letter as evidence that Innovis intentionally misled the Consumer Financial Protection Bureau by stating that they alerted the CFPB of the discrepancy there is no discrepancy when it comes to doing a thorough investigation on all accounts that were disputed on the original correspondence dated XX/XX/XXXX Innovis is in violating of 15 USC 1681 i ( a ) for failing to conduct a proper investigation on the following accounts. 
1. Account : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : ******** XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX Failure to conduct a thorough investigation is a violation of case law that is currently in all district courts and appellate courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: IL

Complaint narrative:
Since XXXX, I have attempted to get the title in my name. The original title was in the name of my deceased sister. This would involve a state to state title change. I live in Illinois, my sister lived in Wisconsin. 

On XX/XX/XXXX, Hyundai Motor Finance requested Wisconsin send them the title so they could do the name change. I spoke with the WISCONSIN DMV and they said they fulfilled the request on XX/XX/XXXX. Hyundai said they never received. I continued to follow up with XXXX on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I called the Wisconsin DMV and they said they couldnt do anything since there was a lien on the vehicle. They suggested I payoff the vehicle and Wisconsin could issue me the title once Hyundai removed the lien. 

On XXXX, I sent Hyundai the payoff amount due via priority mail. On XXXX, the payoff amount was credited to my account. On XXXX, I received an email from Hyundai ( XXXX ) saying they are working to release the lien on the vehicles title. I have patiently waited since it appeared that it could take up to 20 days for the title to be released. As of today, XX/XX/XXXX, the state of Wisconsin still reflects a lien on the vehicle. 

I am unable to register or sell the vehicle. This is my second complaint as it pertains to Hyundai and this vehicle.

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 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting acXXXX XXXX XXXXXXXX, 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions

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 2022-06-29 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-29 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-29 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( OPENED XX/XX/21 ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX FINANCE Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions

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 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
on. for 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX  ( FINANCE ) = XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX 15 U.S.C 1681c . ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ( OPENED XX/XX/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 a account without my written instructions

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 2022-06-29 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent disputes to Equifax on the accounts below for reporting these unverified and inaccurate accounts violating FDCPA 809b. This company has continuously failed to validate and or correct these erroneous accounts. Equifax In accordance with the Fair Credit Reporting Act, the accounts listed below also violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX- Account # XXXX 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 or any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681 Section 604 A Section 2- States A consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Names and address reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, XXXX, NJ 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 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Names and address reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ 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 2022-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Community Loan Servicing ( formally known as Bayview ) accepted my XXXX mortgage payment but failed and refuses to post the funds to my account. Instead they merged with another company, XXXX XXXX ( aka XXXX ), which is really the same company, and refuse to post the funds they are already in possession of. This is called stealing. They are already sending me notices of collection, foreclosure and threatening to post negative information to my credit reports. Instead of handling their business properly Community is demanding that I only communicate with the new servicer which is really one and the same as the old one. This is clearly an illegal scam where these mortgage companies work together to foreclose on property at great profit to them and great loss to the people who actually live in this country. This is the forth or fifth complaint I have filed and CFPB continues to do absolutely nothing of any effect. Which is frightful because they seem to be the only governing body associated with this type of " business ''. Bayview / Community / XXXX XXXX / XXXX needs to be closely examined as they are breaking numerous laws set in place to protect the public from this type of aggressive business practices. CPFB needs to handle these extremely stressful concerns as this issue has been ongoing since 2019 without resolve. I have once again provided proof that my payment was received by Community / XXXX and proof they they are currently trying to foreclose on my home regardless of this payment. This is illegal and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I have had an account with XXXX XXXX since XXXX of XXXX. I have never missed a payment or been late, however, due to an error on the company 's website/payment portal, my account was charged twice in XXXX. I was advised by XXXX XXXX XXXX customer service representative in that same month to take the issue up with my bank in order to get better results. My bank tried to resolve the issue, and as a result, XXXX XXXX reported my account as 90 days late. I have written to XXXX XXXX twice asking for a review and made disputes with their preferred credit reporting agency, TransUnion, as well as mine, which is XXXX. My credit score dropped nearly 60 points because of this, and XXXX XXXX refuses to fix the problem after months of effort on my part. As of today, I was able to obtain my banking statement from XXXX of XXXX, showing the payments that were made to XXXX XXXX from my business checking account. I have attached a screen shot of those transactions below. I am also happy to provide statements for XXXX or any other month, which will show payments made to satisfy my agreement with XXXX XXXX. 
I would also like to add that during this time I was suffering from XXXX for over XXXX weeks, and XXXX XXXX still refused to work with me on this dispute. It is my hope that the Consumer Financial Protection Bureau will advocate on my behalf and help resolve this issue once and for all. 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 2022-06-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I have had an account with XXXX XXXX since XXXX of XXXX. I have never missed a payment or been late, however, due to an error on the company 's website/payment portal, my account was charged twice in XXXX. I was advised by XXXX XXXX XXXX customer service representative in that same month to take the issue up with my bank in order to get better results. My bank tried to resolve the issue, and as a result, XXXX XXXX reported my account as 90 days late. I have written to XXXX XXXX twice asking for a review and made disputes with their preferred credit reporting agency, XXXX, as well as mine, which is Experian. My credit score dropped nearly 60 points because of this, and XXXX XXXX refuses to fix the problem after months of effort on my part. As of today, I was able to obtain my banking statement from XXXX of XXXX, showing the payments that were made to XXXX XXXX from my business checking account. I have attached a screen shot of those transactions below. I am also happy to provide statements for XXXX or any other month, which will show payments made to satisfy my agreement with XXXX XXXX. 
I would also like to add that during this time I was suffering from XXXX for over XXXX weeks, and XXXX XXXX still refused to work with me on this dispute. It is my hope that the Consumer Financial Protection Bureau will advocate on my behalf and help resolve this issue once and for all. 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