vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: NJ

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to you with a heavy heart and a sense of desperation regarding the handling of my recent dispute with Experian, XXXX of the major credit reporting agencies. Despite my earnest efforts to rectify inaccuracies in my credit report, Experian 's response has left me feeling utterly distressed and hopeless.

In accordance with 15 USC 1681e ( b ), I diligently outlined numerous discrepancies in my credit report in a letter to Experian, emphasizing my right to an accurate and complete credit report. However, instead of conducting a thorough investigation into these issues, Experian simply stated that all accounts had been " verified and confirmed, '' without providing any meaningful explanation or evidence to support their findings.

Furthermore, pursuant to 15 USC 1681i 7, I explicitly requested a detailed description of the investigation process undertaken by Experian, as I sought transparency and clarity regarding the handling of my case. Regrettably, my request was met with silence, leaving me in the dark about how my concerns were addressed and whether any genuine effort was made to validate the accuracy of my credit report. 

Moreover, it has become evident that Experian has effectively violated 15 USC 1681i 5, which mandates the prompt deletion of inaccurate or unverifiable information from consumer credit reports. By failing to take appropriate action to correct the inaccuracies I have identified, Experian has not only disregarded its legal obligations but has also exacerbated the financial and emotional strain I am enduring. 

The impact of Experian 's negligence on my mental well-being can not be overstated. I am struggling immensely with feelings of hopelessness and frustration as I face the prospect of being unfairly penalized due to inaccuracies in my credit report that remain unaddressed. The uncertainty and anxiety surrounding this situation are taking a significant toll on my overall quality of life, and I fear that without intervention, I may lose hope of ever achieving a resolution. 

I implore the Consumer Financial Protection Bureau to intervene on my behalf and ensure that Experian fulfills its obligations under federal law to conduct a thorough investigation into the inaccuracies in my credit report and take appropriate action to correct them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Car Rental from XXXX on XXXX ( # XXXX ) total amount paid {$1000.00}. Disputed the {$300.00} deposit from XXXX with Discover Card in XXXX of XXXX. The disputed charge of {$300.00} was a " deposit '' from XXXX for the rental. I did not know that and made the dispute for that charge I saw on the statement. Discover is telling me they looked into the dispute and find it is a valid charge. I sent them ( upload ) the XXXX invoice, an email from XXXX XXXX Customer Service dated XX/XX/XXXX saying it was only a deposit. I also sent a copy of a email from Discover dated XX/XX/XXXX telling me the dispute was in my favor and will not be charged for any related interest or fees. I called the Discover customer service and explained everything. They told me the email telling me it was resolved was an error. I uploaded all the documentation I have and was told Discover would look into it. Today XX/XX/XXXX I received an email telling me my dispute was Denied and I owe the {$300.00} plus the added fee 's {$360.00}. I just got off the phone with XXXX customer service who said they would send Discover a " payback '' form. The person said this should show Discover that I was never charged the {$300.00}. I don't know what else to do, I am so upset with this credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: FL

Complaint narrative:
The problem is with Westlake Portfolio. I am in constant communication with this financial company because I have experienced them not making notes of conversations and when I asked them to have a supervisor listen to the recording, which they say all calls are recorded, it goes unanswered. On about XX/XX/XXXX, I called, told them to set up XXXX pyt for XXXX I called back on XX/XX/XXXX, spoke with a agent. I asked him about the account, he said it was ok & I made another payment about XXXX XXXX. They also said they put 1 pyt to the end of the loan and my payment status was good, current. I went outside to go home from work about XXXX and the vehicle is gone. I called 6 times, hung up on 5. I spoke with a lady, who put me on hold for 30 minutes then said looks like your vehicle was repossessed. She stated usually a pyt would have cancelled the repo. She stated to call the Repo company and set up a appt to get the car back and she can settle the repo fee if I could pay about {$900.00}. I stated to her, I just spoke with a representative that did not say anything about any additional money had to be paid, right to cure, he just processed my pyt that went thru immediately and my vehicle was most likely already picked up when the pyt was made, so I'm told. I then got a very nasty representative on the line, that yelled, and over talked me and told me to pay $ {$650.00}, which I did. I explained again, I made a pyt earlier today and they pyt one pyt behind. She stated that was guaranteed, I said the REPRESENTATIVE PUT ME ON HOLD, CAME BACK AND STATED THE PYT WAS SUCCESSFULLY PUT TO THE END OF THE LOAN AND MY PYT PROCESSED AND ACCOYUNT WASIN GOOD STATNDING. She never could or would give a reason why westlake did not advise me of the repo status. No phone call, no email, not even in my previous call. which I did. I have a XXXX XXXX in my ankle which causes XXXX I'm in my XXXX XXXX and I walked over a mile to my daughter job and took a XXXX home and for 2 days I paid for XXXX. I told them, they could and should have the vehicle returned to where it was picked up from or refund the repo fee. This is the worst Finance Company. I am disgusted. Subprime lenders feel like they can handle people any way and they do over and over again. I read their reviews and no one has anything nice to say about them.. there response to everything, is oh well or i don't know. No right to cure. Their collection practices are not good. i want that repo fee back and my XXXX  fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I was directed by the Federal Reserve complaint office to submit this to the CFPB. I will also be submitting this complaint to the FDIC and the XXXX XXXX XXXX XXXX both of whom regulate XXXX XXXX 
Since all debt is the responsibility of the United States Government and I am the creditor, I do not understand how a Bank, a borrower, can charge off my account and then sell it for a profit ( they are paid by the insurance company when " charged off '' and then sell to Dent collectors, when my account has been and always will be FULLY funded by my Estate/Corporate entity. CITI Bank charged off my Home Depot credit card after I lost my job during the COVID epidemic and that severely impacted our household income. They sold the account to XXXX XXXX, a Debt Collector. I have never entered into a XXXX XXXX XXXX with XXXX XXXX. CITI Bank has never allowed me to participate in their arbitration after numerous requests by me. I have tried repeatedly to get this Consumer Credit transaction validated from XXXX XXXX and they have taken me to court, XXXX XXXX Maryland XXXX XXXX Case # XXXX and the Judge sided with them and I now have a judgement against me and are threatening garnishment. XXXX XXXX bought a bundle of charge offs as an investment and now along with the XXXX XXXX Maryland XXXX XXXX are trying to get my family and I to pay their ROI and profit

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 2024-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: FC HoldCo LLC
State: ID

Complaint narrative:
I took out a car loan in XX/XX/XXXX, the car broke down in XX/XX/XXXX, and I couldn't afford to fix the mechanical and electrical issues and continue payments, especially considering I had already paid XXXX $ and still owed XXXX $ on a car that I was XXXX into buying and the value of which was around XXXX $ total. I called the finance company and asked to do a voluntary surrender, as the vehicle was broke down on XXXX XXXX, I told them they had XXXX hrs to pick it up before it would be towed. They said they would get it and didn't. Then the XXXX XXXX XXXX towed it. I then called the finance company again to be told they would just get it from the tow yard and after they sold it they would notify me of the remaining balance. They never did. Fast forward to today, I was talking to my bank and was notified that the account is now in collections. I called the finance company and they said they never picked it up because of the fees associated and I still owe the full XXXX $ that they have since charged off. So they are trying to force me to pay for a vehicle I already surrendered that they never picked up and I can no longer even have access to.

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 2024-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Receiving 30-40 calls per day, as well as calls being placed to an XXXX  ex husband, childhood neighbor and even coworkers. All times of the night they are calling from fake phone numbers and even on weekends and holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX we sent Chevron/Synchrony a check for {$59000.00} in error. ( The amount due was {$500.00} ). 

On XX/XX/XXXX Chevron/Syncrhony cashed the check. 

On XX/XX/XXXX we sent a certified letter requesting a refund. 

On XXXX XXXX I called them and was told that we would have the refund check within 7 to 14 days. They also informed me the account was closed and would not be reopened though we have been a customer for over 25 years. 

They sent us a form dated XXXX XXXX to fill out " in order to process [ our ] refund request. '' We received the form on XXXX XXXX. The information they are asking for ( front and back of check, and an explanation of circumstances ) was sent to them via certified mail on XX/XX/XXXX. 

We feel Synchrony is intentionally delaying our refund to use our money.

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 2024-04-17 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: MD

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: PA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX, Dear XXXX I am writing to dispute the following information that appears on my Experian consumer report : Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : AUTO/VEHICLE Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: PA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX, Dear Experian I am writing to dispute the following information that appears on my Experian consumer report : Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : AUTO/VEHICLE Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, 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 2024-04-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
On XX/XX/2014 I purchased a XXXX gift card at XXXX for {$500.00}. I also purchased a XXXX gift card at XXXX for {$500.00} the same day. Both cards fail to work when I try to make purchases in stores. I have tried multiple times.I also tried to use the cards to purchase items from XXXX. The cards are not working. When I checked the balance online by entering the information at Vanillagift.XXXX, one card just gives me an error message. The other card shows a {$500.00} balance. 

When I call Incomm to get this resolved, I am placed on a long hold. The representatives I speak with have a heavy XXXX accent, making it very difficult to understand them. They always tell me to try the card again. They don't want to replace the card, and they will not provide a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I requested my information and I have yet to receive anything. 

Please have this company upload the following documentation. 

Last XXXX  months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E. allocation of payment.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I recently turned in my Kia vehicle and entered into a new Kia lease. I was told that the dealership would help with the excess mileage charge from the other vehicle that was XXXX. I got a mileage bill and was told by the dealership ( XXXX XXXX ) that they tried to contact Kia Finance but could not get the mileage waived. Frustrated, I called Kia Finance and spoke with XXXX at ext XXXX. XXXX said he would help with the charge removal and told me to call him back on XXXX ( day after payment was due ). I called non stop, waived the do not call request, and left a multitude of messages. XXXX never called me back and nobody helped me with this. I paid the account in full and then Kia posted a non payment to the credit bureaus even though it showed paid on their end. This dropped my credit score some XXXX points. This is awful and I need help. The excess mileage bill was paid! I do not like Kia 's handling of this matter and will never use another Kia vehicle again once my current lease in the new car expires.

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 2024-04-17 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to you with a heavy heart and a sense of desperation regarding the handling of my recent dispute with TransUnion, one of the major credit reporting agencies. Despite my earnest efforts to rectify inaccuracies in my credit report, TransUnion 's response has left me feeling utterly distressed and hopeless. 

In accordance with 15 USC 1681e ( b ), I diligently outlined numerous discrepancies in my credit report in a letter to TransUnion, emphasizing my right to an accurate and complete credit report. However, instead of conducting a thorough investigation into these issues, TransUnion simply stated that all accounts had been " verified and confirmed, '' without providing any meaningful explanation or evidence to support their findings. 

Furthermore, pursuant to 15 USC 1681i 7, I explicitly requested a detailed description of the investigation process undertaken by TransUnion, as I sought transparency and clarity regarding the handling of my case. Regrettably, my request was met with silence, leaving me in the dark about how my concerns were addressed and whether any genuine effort was made to validate the accuracy of my credit report.

Moreover, it has become evident that TransUnion has effectively violated 15 USC 1681i 5, which mandates the prompt deletion of inaccurate or unverifiable information from consumer credit reports. By failing to take appropriate action to correct the inaccuracies I have identified, TransUnion has not only disregarded its legal obligations but has also exacerbated the financial and emotional strain I am enduring. 

The impact of TransUnion 's negligence on my mental well-being can not be overstated. I am struggling immensely with feelings of hopelessness and frustration as I face the prospect of being unfairly penalized due to inaccuracies in my credit report that remain unaddressed. The uncertainty and anxiety surrounding this situation are taking a significant toll on my overall quality of life, and I fear that without intervention, I may lose hope of ever achieving a resolution. 

I implore the Consumer Financial Protection Bureau to intervene on my behalf and ensure that TransUnion fulfills its obligations under federal law to conduct a thorough investigation into the inaccuracies in my credit report and take appropriate action to correct them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief