vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
My stepfather ( a retired XXXX veteran ) bought a new Hyundai XXXX XXXX in XXXX of XXXX. He passed away unexpectedly in XXXX of XXXX leaving behind a XXXX XXXX XXXX widow ( my mother ) which I have the XXXX XXXX XXXX for since his death. Because he purchased the car while she was in XXXX he did not put her name on it. He died XXXX so I had limited options. I spoke with Hyundai and since I did not have the money to purchase the vehicle and my mother can not drive, I voluntarily had the car repossessed. There were only about XXXX miles on the car. The paperwork that Hyundai sent said they would charge for the tow and storage and they would sell the car at auction ( in XXXX of XXXX ) and any proceeds after that would be returned. Since there was about {$7000.00} in equity I thought there would be some money left for my mother. After the sale, Hyundai sent an itemized list of fees that, surprisingly enough, was EXACTLY what was left of equity. They had no intention of giving anything back. I reached out to our local channel XXXX news representative and filed a complaint that they were taking money from a XXXX XXXX XXXX of a widow of a XXXX veteran with limited finances. In XXXX of XXXX my mother received a check from Hyundai for {$4900.00} but it was made out to the deceased. I tried to deposit it in their joint account but because I had given them a death certificate they had removed his name from the account. I called Hyundai customer service and they said they would resend the check to me at my address. I received a XXXX check but it was still made out to the deceased. After several phone calls someone from deceased accounts told me to go the courthouse and get a Summary Administration and they would send me the check in my name. I did that at a cost of {$340.00}. I sent all the information to deceased accounts in XXXX or XXXX of XXXX. I sent an email asking Hyundai if they had what they needed and they said they had everything they needed. They never sent the check. By XXXX, I knew the check that I had in XXXX XXXX name was about to expire. I thought that maybe I had everything I needed since I had the court order. I deposited the check at XXXX XXXX after 30 minutes with their law department and endorsed it as they requested. Hyuandi returned the check. At that point, I had to spend money to hire an attorney to find out why they refuse to send the check. My mother is now XXXX and I already had to move her to a smaller room because her money is depleting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. Firstly, I believe that this limitation may have been imposed in error. I have diligently adhered to all PayPal policies and guidelines since opening my account. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. I kindly request PayPal to thoroughly re-investigate my case. I believe that a careful review will reveal that I have not violated any PayPal policies or terms of service. My account history should attest to my commitment to maintaining a clean and compliant PayPal account. I understand that PayPal takes security and compliance seriously, and I appreciate the need for vigilance in protecting the platform and its users. However, I firmly believe that this limitation may be a result of misunderstanding or incorrect information. I kindly ask for your prompt attention to this matter. My PayPal account plays a crucial role in my financial transactions, and its permanent limitation has caused me significant inconvenience. I am more than willing to provide any additional information or documentation necessary to facilitate the review process. Please let me know if there is any specific information you require from me. In conclusion, I respectfully request PayPal to re-evaluate the limitation on my account and, if possible, to restore it to full functionality. I am committed to resolving this matter amicably and in full compliance with PayPal 's policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
SURRENDERED VECHILE AND GOT SETTLEEMNT LETTER ENLOSED, CREDITOR NEVER FURNISH LETTER AND IS FALSELY REPORTING AS REPOSSEION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One XXXX Dear XXXX, I am writing to express my deep dissatisfaction and concern regarding the recent adverse action taken in response to my request for a credit line increase with your institution. On XX/XX/year>. I received correspondence from Capital One stating that my request for a credit line increase was denied, citing information allegedly obtained from XXXX. However, this assertion is not only inaccurate but also deeply troubling. 

I want to bring to your immediate attention that my XXXX credit report has been frozen for identity theft protection purposes. Therefore, any claim of utilizing XXXX for a credit pull in this context is unequivocally false. It is imperative to note that the adverse action letter sent to me contained erroneous information that does not align with the current data reported on the credit reporting agency platform. In addition, I have exercised my rights given to me under the FCRA and I have reached out to the Consumer reporting agency directly and was reassured that my consumer report has been frozen and the reasons you have claimed for denial of a limit increase is in fact fale. 

Under federal law, I am entitled to accurate and truthful information regarding the reasons for any adverse action taken against my credit request. However, the adverse action letter provided by Capital One included XXXX different reasons for the denial, none of which reflect the actual state of my credit report. This discrepancy is not only alarming but also violates the rights afforded to me by federal regulations. 

I demand an immediate and thorough investigation into this matter. Upon calling to inquire about this I was told to apply again. It is imperative that Capital One rectifies this situation by providing me with a detailed explanation of the inaccuracies present in the adverse action letter. Where did you get this information from and why are you falsely claiming it came from XXXX when I keep my report frozen and why am I being denied a simple limit increase, I did not request {$50000.00}. Furthermore, I insist on a reevaluation of my credit request based on accurate and up-to-date information from the appropriate credit reporting agency. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to escalate this matter to the relevant regulatory authorities. I trust that Capital One values its reputation for fairness and transparency and will take the necessary steps to resolve this matter expediently. 

I appreciate your prompt attention to this matter and expect a timely response within 30 days of the receipt of this letter. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX 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 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: TX

Complaint narrative:
Last week on Wednesday two joint bank accounts my spouse and I share were frozen and his entire check from work was made unavailable. The judgement letter was under my name. The bank accounts frozen have my spouse as primary account holder as hes the breadwinner. We live week to week paycheck through paycheck. XXXX court receivers is the firm that we were told to deal with. The firm hasnt been very responsive and they have done nothing to unfreeze our bank accounts. It is my understanding that under federal law 25 % of earned work income is protected from being frozen/seized. We need the firm XXXX court receivers to unfreeze my spouses paycheck as the judgement isnt his not is he listed on the judgement and we need at least 25 % of his check he unfrozen so we can buy food and basic necessities to survive

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit reporting agency had a date for a collection to be removed but had changed it..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit reporting agency had a date for a collection to be removed but had changed it..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Student loan servicer Nelnet will not remove loan from my credit report. This loan has been paid in full since XX/XX/2023 and they are not updating this on my credit report. I have made several calls waiting over XXXX several times on hold to get this resolved and they tell me on the phone the loan is paid in full. My credit score is being affected and this is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: FL

Complaint narrative:
hard inquiries listed below are on my credit report. i do not have any knowledge of these hard inquiries and have submitted a report of identity theft ( attached ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XXXX XXXX I made a deposit too my checking account XXXX of {$1100.00} I took {$100.00} out on XX/XX/2023 I took {$120.00} on XX/XX/2023 then I took {$100.00} out on XX/XX/2023 By the policy of the bank a new account will only give you a certain percentage when the deposit is unverifiable checks yet they took {$400.00} more out of the account than they should have I want my {$400.00} back now!!!!!!! It is obvious they owe it too me!!! there is no explanation of where it went they just took it!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
I inquired a hard inquiry from the company XXXX on XX/XX/2023 which I do not recognize or have any knowledge of. I am seeking the removal of the inquiry from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. CAPIO PARTNERS is violating my federally protected consumer rights to privacy and confidentiality un der 15 USC 1681. Alleging a debt is owed and furnishing to the credit reporting agencies without notifying me first. This is also a violation of due process ; I do not know who my accuser is, and CAPIO PARTNERS is a third party debt collector doing business in Missouri without a license and in violation of mentioned laws herein. 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 XXXX, XXXX XXXX and XXXX can not furnish a 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 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. For reasons stated, CAPIO PARTNERS debt-collector must remove all inaccurate information from my credit reports due to the fact they have no legal right nor my consent to post/furnish on my credit reports. I am requesting Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until CAPIO PARTNERS able to provide Validation Pursuant 12 CFR 1006.34 A FTC fraud report was filed on behalf of me ( consumer ). CORPIO PARTNERS and XXXX, XXXX and XXXX have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. For damages I am invoking my rights as a consumer pursuant 15 U.S.C 1681 ( n ) Civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit reporting agency had a date for a collection to be removed but had changed it..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
hard inquiries listed below are on my credit report. i do not have any knowledge of these hard inquiries and have submitted a report of identity theft ( attached ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-09 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: FL

Complaint narrative:
hard inquiries listed below are on my credit report. i do not have any knowledge of these hard inquiries and have submitted a report of identity theft ( attached ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I notice unauthorized inquiries on my credit report report.I would like them removed from credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
XXXX  COLLECTION AGENCIES KEEP CALLING MY DADS CELL XXXX TIMES DOCUMENTED. ARE ILLEGALLY REPORTING XXXX XXXX TO ALL CRAS.

Company response to consumer: Closed with explanation