vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
The original creditor is XXXX XXXX which the debt was in the amount of {$10000.00} on a car loan. XXXX has reported my debt as a charge off and i never recieve a 1099-c form. After XXXX put my debt as a charge off They sent my debt to NCB management and they are illegally coming after me for a debt that been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: NY

Complaint narrative:
Informed XXXX XXXX XXXX XXXX XXXX XXXX that account was created due to identity thamedt but XXXX XXXX XXXX XXXX is stillattempting to collect debt and continuing to report Inaccurateinformation on my consumer report. I sent them police reportand identity theft affidavits still no resolution. Debt was never legally verified by 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 2023-08-22 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: NY

Complaint narrative:
Informed XXXX XXXX XXXX XXXX XXXX XXXX that account was created due to identity thamedt but XXXX XXXX XXXX XXXX is stillattempting to collect debt and continuing to report Inaccurateinformation on my consumer report. I sent them police reportand identity theft affidavits still no resolution. Debt was never legally verified by XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2023, there were a series of three XXXX withdrawals from my checking accounting with Wells Fargo. These three withdrawals totaled {$3000.00} and were not authorized by me, and were fradualent attacks on my account. I have tried numerous times to get this issue resolved by Wells Fargo and have my money refunded into the account with no luck, and them stating that their research showed the transactions were made through a secure online banking through me or someone who had my authority. This is absolutely not true and far from the truth - someone has stolen {$3000.00} from my account and for some reason Wells Fargo won't do anything about this. I did not authorize these transactions and someone has made off with {$3000.00} with no further action from the bank. I don't really understand how these transactions could be authorized by Wells Fargo and I would like my account to be credited back for the {$3000.00}.

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 2023-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bubba Hill Auto Plaza Inc
State: SC

Complaint narrative:
I XXXX XXXX am submitting this request again due to then on response of my inquiries. Since XX/XX/2023 I have asked Bubba Hill Auto to provide me with original documents of this loan, they refuse. In their response to my last complaint they whole heartedly said they had no issue getting this documents to me but have yet to do so. I want original signed documents emailed to my email address to which I have emailed and employee XXXX numerous times. They by law have to prove this debt/repossession is legally mine, and they refuse to do so because they state these documents are locked in a storage unit. I have asked for these documents since XX/XX/2023 and yet as of XX/XX/2023 no documents have been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Your Bank is a third class bank, it is very hard to reach customer service and once you reach it, they keep on transferring you from one department to another, and each department wants to verify your account, US Bank used to be a very good bank, but lately its customer service has become horrendous. 

I've already sued you in the court, and I've already transferred my money to another account, right now my account balance is 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I would like XXXX to remove this account off my credit report. This is an old XXXX account that was open in or around XXXX 2018 and service ended around XX/XX/2018 and last bill was XX/XX/2018. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing I have a balance that is late.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I would like XXXX to remove this account off my credit report. This is an old XXXX account that was open in or around XXXX XX/XX/2018  and service ended around XX/XX/2018 and last bill was XX/XX/2018. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing I have a balance that is late.

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 2023-08-22 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Equifax regarding their failure to respond to my dispute letter dated XX/XX/2023. Despite the passing of a significant amount of time, I have not received any communication or acknowledgment from Equifax regarding the matter detailed in my dispute letter. 

Despite my efforts to rectify the inaccuracies in my credit report and the subsequent submissions of dispute letters, I have yet to receive any response from Equifax. The lack of communication has caused significant distress and inconvenience, as these inaccuracies may have a direct impact on my financial well-being and overall creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: TX

Complaint narrative:
I purchased a new vehicle in CA XXXX from Hyundai and have been having issues related to having the title transferred to my home state of TX. I am unable to get ahold of anybody when I call the customer service line. I completed the title transfer application on the Hyundai Motor Finance website almost 6 months ago and have not heard anything in regards to the title transfer status.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This is in regards to a Late Payment for XXXX XXXX XXXX XXXX Credit Card. Per attached screenshots, my credit reports show the following : TransUnion : XXXX 2022, 60 Day Late Payment XXXX : XXXX  2022, 60 Day Late Payment XXXX : XXXX  2022, 90 Day Late Payment Due to these reporting inconsistencies and inaccuracies, please update my account to as paid on time. This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This is in regards to a Late Payment for XXXX XXXX XXXX XXXX Credit Card. Per attached screenshots, my credit reports show the following : XXXX : XXXX  2022, 60 Day Late Payment XXXX : XXXX  2022, 60 Day Late Payment Equifax : XXXX  2022, 90 Day Late Payment Due to these reporting inconsistencies and inaccuracies, please update my account to as paid on time. This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX XXXX XXXX XXXX ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This is in regards to a Late Payment for XXXX XXXX XXXX XXXX Credit Card. Per attached screenshots, my credit reports show the following : XXXX : XXXX  2022, 60 Day Late Payment Experian : XXXX  2022, 60 Day Late Payment XXXX : XXXX  2022, 90 Day Late Payment Due to these reporting inconsistencies and inaccuracies, please update my account to as paid on time. This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX XXXX XXXX XXXX ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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 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 2023-08-22 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: AL

Complaint narrative:
I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the 30 window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over 10 years. The credit bureaus are not following their own laws. Its been over 30 days. 

Accounts such as XXXX XXXX XXXX continue to violate my FCRAa am rights account XXXX XXXX {$29.00} XXXX XXXXXXXX XXXX XXXX XXXX  {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. 

XXXX XXXX XXXX has been reporting negative on my profile since XXXX XXXX XXXX XXXX XXXX fraudulent account as well and refuse to send any validation that verify such accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: AL

Complaint narrative:
I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the 30 window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over 10 years. The credit bureaus are not following their own laws. Its been over 30 days. 

Accounts such as XXXX XXXX XXXX continue to violate my FCRAa am rights account XXXX XXXX {$29.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. 

XXXX XXXX XXXX has been reporting negative on my profile since XXXX XXXX XXXX XXXX XXXXXXXX fraudulent account as well and refuse to send any validation that verify such accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts.

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 2023-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Back in XXXX, my husband and I were behind on our mortgage with Bank of America, I did a quick deed and my home was put in my name, Bank of America did nothing to help us, they transferred our loan to another Mortgage Company who helped me stay in my home, my husband passed away in XXXX. I have been current on my mortgage, I went to refinance my present mortgage and was devastated to find out I owed Bank of America XXXX! I was shocked and depressed over this and I am close to XXXX XXXX XXXX, Why wasn't I informed about this? Nothing was ever sent to me in the mail, why in the world wasn't this amount transferred to my new mortgage company?? I keep getting letters addressed to my late husband 's name, my name is no where on this letter, I am so confused and upset, I will never be relaxed about this hanging over my head, I am ashamed to tell my children, I called several places to no avail, if a Bank transfers your loan to a new servicer why would you not include this? A lot of people are telling me something is wrong somewhere when they transferred my loan to my new mortgage company, please look into this for me, I Truly believe that Bank of America charged me outrageous fees back then, please clear this up for me? My XXXX big question is if they transferred my old loan for XXXX which is what I owed Bank of America why do I owe a partial claim for XXXX? Something has to be wrong with my situation.Thank you for listening.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
History : * I traded my leased a XXXX XXXX XXXX  vehicle ( VIN XXXX, Leased from NISSAN-INFINITI XXXXNMAC ) XXXX XXXX XXXX of XXXX dealership on XX/XX/2023 XXXX 
* XXXX XXXX of XXXX cut a check to XXXX XXXX on XX/XX/2023 which XXXX cleared on XX/XX/2023 * NISSAN-INFINI XXXXNMAC refused the payment to pay-off this lease XXXX XXXX and they cut a new check on XX/XX/2023 back to XXXX XXXX. 
* NISSAN-INFINI XXXX reported to credit bureaus as nonpayment on my part. 

Issue : * To resolve I paid off the vehicle out of my pocket Dated XX/XX/2023. 
* Now my account with NISSAN-INFINI XXXXNMAC is settled/fully paid but they are not reporting it back to created bureaus to restore my score. 
* Talked to NISSAN-INFINI XXXXNMAC  customer support at XXXX. They do not report the settlement to credit bureaus. 
* Attaching letters from Payment history and Fully paid letter from NISSAN-INFINI LT/NMAC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: FL

Complaint narrative:
Experian, Please see attached - I was a victim of identity theft and there's fraud on my credit report I need to have resolved as soon as possible as its damaging my credit. 

Attached to this is : - My written complaint - My drivers license - My social security card - My address - Federal Trade Commission - Identity Theft 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 explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
This company failed to send me a Notice of Debt which they are legally required to do. This company never provided the name of the original creditor, the amount owed, or notice of my right to dispute the debt. I paid the original debtor directly, which was Progressive XXXX insurance, the remaining balance of {$160.00} on XX/XX/. If I was able to pay Progressive directly, the company Credit Collection Service did not own the debt. They are violating my rights by trying to collect on a debt they do not own and they are also violating my rights by appearing on my credit reports as a collection account. My rights are being violated by this company and I will escalate this if this is not resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation