vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 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: GA

Complaint narrative:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/2017 NOT PROVIDED Date Updated : XX/XX/2017

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 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
XXXX XXXX, XXXXXXXX SOC SEC # XXXX DOB XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONSERVE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONSERVE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX SEC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: CA

Complaint narrative:
I was preparing to sell my vehicle and discovered Hyundai Motor Finance placed a lien on my vehicle when I never took a loan out with them. I purchased the vehicle in XXXX in cash, and found out that the dealership listed Hyundai Motor Finance as the lien holder. I purchased the car in cash. I never took out a loan or lien. I have tried contacting Hyundai Motor Finance and the dealership XXXX XXXX XXXX multiple times since XX/XX/XXXX to have the lien released. No one has been able to get the lien released. I have faxed over proof of sale and the title application that shows Hyundai Motor Finance as the lien-holder. They all agree there should not be lien, and that there is no loan, and that this was a mistake. I have contacted the Wisconsin DOT and they explained that because the state uses electronic titles, this should be quick to resolve. I can not sell my car without the title and need the lien released and the title sent to my address. I am also having to pay for the car to be insured and registered when I do n't drive it and am trying to sell 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 2022-08-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Investigation was not completed. Asking a business if a person owes them money is not sufficient. The bureau is reporting inaccurate information if there is no proof I owe this debt and they did not provide this proof. XXXX is the item.

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 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CONVERGENT OUTSOURCING XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL 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 2022-08-02 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: GA

Complaint narrative:
The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
EMPLOYER : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: LA

Complaint narrative:
I have submitted several letters to Equifax credit bureau disputing this Account with ( XXXX XXXX ) as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( THEIR METHOD OF VERIFICATION ) Equifax has failed to present me with proper documents that show their method of verification. Equifax has also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. XXXX & XXXX DELETED THIS ACCOUNT FROM MY CREDIT REPORT FOR REPORTING INACCURATE, UNVERIFIABLE INFORMATION. THIS ACCOUNT NUMBER was ALSO INCOMPLETELY REPORTING FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING LATE, WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. All were reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX. I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC
State: GA

Complaint narrative:
Carvana failed to provide full disclosure of contract. Please see below attachments in regards to this matter. I have sent these documents notarized and priority mail on XX/XX/XXXX and I have to date received my confirmation. 

Tracking XXXX My efforts to resolve this matter has been sent via mail to the XXXX headquarters of purchase and corporate headquarters. Both, were tracked deliverable on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I asked the credit reporting agency to verification on my credit report. They did do one and stated that everything was accurate. I also did a thorough research as well and found improper inaccuracy in my report even after. 

In accordance with the fair credit act XXXX  account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX XXXX 15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 602 Section A : It also states a consumer report can not furnish an account without written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
Received two letters in the mail, one addressed to me ( name spelled incorrectly ) and one addressed to the occupants of my home address. The date executed on paper states XX/XX/XXXX. The letter is informing that my property will be sold if the amount of {$21000.00} isnt paid within 90 days. In the paperwork the notice is given by Clear Recon Corp and the deed trust dated XX/XX/XXXX, executed by XXXX XXXX, AND XXXX XXXX XXXX. This looks like an old debt that these two people never paid when they used to own the house. I purchased this home on XX/XX/XXXX. All my finances are current and up to date

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: CA

Complaint narrative:
They have just provided information regarding credit reports ( this is all common sense and i am aware of what exactly affects credit scores ) I am not an XXXX. They have provided standard info that i think everyone knows affects their credit scores!!! ' They have not responded to 2 of my main points : 1. I have added 4 bills to Experian boost, and it recognized that 3 payments made on each one, but it made no change to my Experian boost or score. Today the 3rd payment was added for my XXXX & XXXX ( XXXX and XXXX ) bill and i got a notification that 3rd payment received and ready to add to boost but again for the 4th bill now it made no difference to my Experian boost and no points were added. So i want to know why 4 bills added to boost with 3 payments on each ( i got the notifications that bill ready for lift off and again its not recognizing or picking up the 3rd payment from the same XXXX XXXXXXXX account. Today it shows 2 payments on my XXXX XXXXXXXX card but the 3rd payment was posted to my XXXX XXXXXXXX account so should have made my score go up or at least recognize the 3rd payment!!! I have 4 utilities recognized by Experian boost but says " no change made to your score at this time '' for all 3 bills they recognized!!! 2. My auto loan made no change to my score for the entire year i had the loan with XXXX XXXX. I also have my XXXX XXXXuto loan i have als been paying every month early and again still no change to my XXXX XXXX  They are not providing answers to my inquires they are just sending an automated response about credit scores that even a XXXX Knows!! I want someone at Experian to actually check my credit score and check the bills i added to boost!!! to see why some payments are not being recognsed on their system ( eg it shows 2 payments made for sdge when i have made the 3rd 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 explanation
Consumer complaint received 2022-08-02 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I requested a preapproval and XXXX XXXX XXXX pulled my credit without my permission or signature. The date of this action was XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Purchased a patio sofa set with insurance from Wayfair after applying for credit in XX/XX/XXXX. I returned the product in XX/XX/XXXX and received confirmation from Wayfair that all items had been returned. Wayfair credit is provided by Citibank. Wayfair did not refund the total amount of the purchase to Citibank all at once. They released amounts in four different amounts over a period of three months. During this time, Citibank was charging me interest and reporting to the credit bureaus that I was last making payments. I contacted Wayfair and Citibank in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to verify the merchandise was returned and that nothing was owed. In XX/XX/XXXX and XX/XX/XXXX, I was on the phone with Wayfair and Citibank and a representative from Wayfair informed Citibank that the merchandise was returned and there is no balance. However, to date, Citibank states {$4.00} is still owed which is now over {$170.00} in interest and late fees. In addition, I have called Citibank numerous times filing a dispute which they have denied. During this time, my credit score has dropped over 160 points and most of my credit card companies have lowered my credit limit. Please help me resolve this issue asap.

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 2022-08-02 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: AZ

Complaint narrative:
AS A CONSUMER I, XXXX XXXX, HAVE BEEN THOROUGHLY ABUSED AND DECEIVED BY EQUIFAX THE CONSUMER REPORTING AGENCY. THEY HAVE PURSUANT TO 15 USC 1681 ( A ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
THIS FEDERAL LAW HAS BEEN SEVERELY BROKEN BY EQUIFAX AND THE FOLLOWING DOCUMENT PROOF WILL SUPPORT MY INJURIES THAT HAS SUSTAINED AMOUNTING TO XXXX AS A SETTLEMENT FOR THAT IN ADDITION TO XXXX IN VIOLATION COST OVERALL THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION THAT IS RECEIVED WILL BE USED TO FULFILL PURPOSE DUE TO THE COMPLETE AND UTTER CONTEMPT THAT THIS CRA WHO'S GRAVE RESPONSIBILITY IS TO ONLY REPORT INFORMATION THATS FACTUAL FAIR AND IMPARTIAL NEVER RETALIATORY AS WILL BE DECEIVED BELOW WITH THE EVIDENTIARY PROOF ALSO VIOLATING WILLFULLY THE FEDERAL LAW PURSUANT TO 15 USC 1692 ABUSIVE AND DECEPTIVE COLLECTION PRACTICES NOT ONLY BY THE DATA FURNISHER BUT THE REPORTING AGENCY AS WELL. JUST incurable AND DESPICABLE AND I EXPECT TO BE COMPENSATED IMMEDIATELY FOR THE DEVASTATION THAT I HAVE EXPERIENCED AND HAVE ENDURED BY FALLING VICTIM TO THEIR PREY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: OR

Complaint narrative:
On XX/XX/XXXX, I called to inform SeedFi that I couldn't make the XX/XX/XXXX payment. The agent said they'd schedule it for XX/XX/XXXX and asked for my consent to put it on XXXX for XXXX. I consented, thinking that the payment would be set for XX/XX/XXXX... but the agent put the XXXX for XX/XX/XXXX, lying to me and ruining my time & budget. 
SeedFi has acknowledged this illegal " misunderstasnding '' in their notes but won't say it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. 

I first noticed this problem when I was late on a payment in XXXX of XXXX. 

I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. 

I filed a dispute with Equifax in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked today ( XX/XX/XXXX ) and it is still not showing up. 

From what I can tell XXXX and XXXX are also reporting the same error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This is a notice of request information. 
Please provide the following information : All billing statements from the date of account opening Any and all other account level documentation Date of First Delinquency, Date of Last Activity, and Date Open I believe 14 days is a reasonable amount of time to gather this information. I look forward to your complete compliance. Please forward all correspondence regarding this matter to the address stated above

Company response to consumer: Closed with explanation