vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-31 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: MO

Complaint narrative:
Remove late payment from XXXX and XXXX of XXXX  for XXXX XXXX XXXX XXXX for credit card ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On this date, XX/XX/2023, I tendered payment in full on the loan extended via a my credit, by HYUNDAI CAPITAL AMERICA d/b/a/ XXXX XXXX XXXX through my credit and the account was zeroed out. I patiently awaited the title to come in the mail and I did not receive it nor was my credit report updated with the XXXX balance. However, I have record that the account was XXXX  out as well copies of the tendered payment and I also filed a 1099a after I received no correspondence regarding the debt validation I requested from this company back in XXXX. I also filed for Arbitration after sending the company Notice three times prior to filing for an arbitration and company refused to respond or grant the request for Arbitration which is breach of contract and a violation of my rights as a federally protected consumer. 

XXXX XXXX reported negatively on my credit report which resulted in injury as this discouraged me from applying for a house as my credit score rapidly declined due to their negligence and continued violations.

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 2023-08-31 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: NY

Complaint narrative:
I submitted a consumer dispute letter disputing the " Incompleteness '' and " Maximum Possible Accuracy '' of XXXX and TRANSUNION reporting of my consumer information. I discovered that their reporting of my consumer information violates section 15 U.S.C 1681S-2 " Rule of Construction '' and " Maximum Possible Accuracy '' because it does NOT comply with the " Rule of Construction ''. These violations has caused me damages. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX DATE OPENED : XX/XX/XXXX TRANSUNION DATE OPENED : XX/XX/XXXX XXXX  DATE LAST REPORTED : XX/XX/XXXX TRANSUNION DATE LAST REPORTED : XX/XX/XXXX XXXX  DATE LAST ACTIVE : XX/XX/XXXX TRANSUNION DATE LAST ACTIVE : XX/XX/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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: AZ

Complaint narrative:
Im having a problem with this company KiKoff Lending, due to the fact they are not being honest and trustworthy as a company. The company is not following FCRA law to protect consumers from inaccurate credit reporting. I have tried to speak with this company via phone, but they do not have a number. I spoke with them via email and tried to explain that they are obliged to remove this account from my credit report report because its inaccurate as when it was first reported late, and the high credit amount and the payment dates across each bureau differ. Under the FCRA law its their responsibility to report accurate across each bureau. By them continuing to report these inaccuracies, its drastically effecting me and preventing me from buying my first home. This has become very frustrating seeing how this company doesnt get back to you in a timely manner and its impossible to get someone on the phone. I have been dealing with this same issue now for over the past 120 days and made several different attempts via certified mail directly to Kikoff Lending and each bureau that they are reporting to. I have attached the inaccuracies in my credit report and have attached them verifying this information as correct which is not valid via pictures and circle how its different in each bureau and another picture showing how its reports 30 days late on one bureau but report paid on another bureau. I am requesting to remove this company information from my credit report entirely. Moving forward I dont want any further dealings with this company seeing how they are not fair or honest company. I also attached a picture showing the dispute from XXXX, where Kikoff reported it verified an accurate which cant be true, seeing all of the information I have provided you and the attachment showing its inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: FL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2023-08-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
I paid off my entire loan on XX/XX/2023, which was before the first payment date due date ( XX/XX/2023 ). I based my payments on the information available to me on the account portal and the statements issued to me. However, today ( XX/XX/2023 ) I received a statement that said I had not paid off my principle and that my loan was still accruing interest. After reviewing the documentation available to me, I couldn't figure out why I was being told I owed this amount. I called GoodLeap. Multiple of their representatives admitted that GoodLeap 's portal does not clearly provide information about the outstanding principle or interest, which is why I didn't see accurate information. Given GoodLeap 's acknowledgement that they did not provide clear information or documentation of what I owed, and that lack of information prevented me from making informed payment decisions, I requested that they waive the remaining balance ( {$57.00} ). The workers I spoke with explained they did not have that power but would elevate the challenges I ran into. I ended up paying the remainder off to avoid accruing further interest because I did not know my other options. I'm filing a complaint in the hopes that 1 ) this will spur prompt reforms at GoodLeap so others don't have this situation, or worse, and 2 ) in hopes I can get a refund for the {$57.00} since it was GoodLeap 's fault that I did not have access to accurate information to base my payment decisions ( had I had access to better information I would have avoided paying additional interest ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an inquiry on my credit report that I do not recognize, as reported by XXXX XXXX. As a responsible consumer, I regularly review my credit reports to ensure their accuracy and to safeguard my financial reputation. Upon reviewing my recent credit report, I discovered an inquiry from XXXX XXXX dated [ Date of Inquiry ] that I have no knowledge of or any association with. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into this matter. I believe this inquiry has been reported in error and may potentially be the result of identity theft or some other form of mistaken reporting.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an inquiry on my credit report that I do not recognize, as reported by XXXX XXXX. As a responsible consumer, I regularly review my credit reports to ensure their accuracy and to safeguard my financial reputation. Upon reviewing my recent credit report, I discovered an inquiry from XXXX XXXX dated [ Date of Inquiry ] that I have no knowledge of or any association with. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into this matter. I believe this inquiry has been reported in error and may potentially be the result of identity theft or some other form of mistaken reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: PA

Complaint narrative:
I XXXX XXXX reviewed my credit report and I have noticed some unauthorized inquiries on my credit reports I have listed them below I have also attached a FTC report with other supporting documents. 

XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Date of inquiry XX/XX/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 2023-08-31 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: PA

Complaint narrative:
I XXXX XXXX reviewed my credit report and I have noticed some unauthorized inquiries on my credit reports I have listed them below I have also attached a FTC report with other supporting documents. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: FL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My statement of the situation with this credit card company is attached. If you need anything else please call.

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 monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All three major credit bureaus showing incorrect credit history and inquiries on my credit file. I have disputed multiple times to all three bureaus and no respond or either correction from XXXX and Equifax. 

XXXX did corrected few items from my report but no action from XXXX and Equifax. 

There is almost 100 point credit score difference between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All three major credit bureaus showing incorrect credit history and inquiries on my credit file. I have disputed multiple times to all three bureaus and no respond or either correction from XXXX and XXXX. 

Experian did corrected few items from my report but no action from XXXX and XXXX. 

There is almost 100 point credit score difference between Experian and 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 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I called Wells Fargo XXXX Account Services today, XX/XX/23 at XXXX pm eastern time. XXXX. 

I asked to have my name and my son 's mother 's named removed from his checking account so we could not longer see his transactions. He is XXXX and deserves his privacy. 

However, the Wells Fargo representative told me all three of us had to go to a branch to have our names removed from his account. I then explained our son is away at college and my ex-wife and I do not live near each other any more. The representative then told me we could each go to a different branch and have a conference call with the branches and they " might '' be able to remove us from his account. Emphasis on " might. '' Further, trying to find a time convenient for the three of us when three different branches have the same appointment times seems to be insurmountable. Our son is in college, and both his mom and I work.

Her next suggestion was that since each of us had access to his account, we could close the account and then he could open another account on his own. I found these suggestions unacceptable.

Then I tried to file a complaint on Wells Fargo 's website while signed into the account. I searched " How do I file a Complaint. '' No results were found. Instead, I received a message saying " If you did not find what you are looking for, try the results from our public website. '' I attached an image of these results. 

Then I went to www.wellsfargo.com site and searched again for " How do I file a complaint. '' The results of that search returned XXXX results even after I narrowed down the search results by selecting XXXX filters. I also attached an image of the results from this search with this complaint. 

I then started scrolling through those XXXX results and gave up after not finding instructions. Probably after XXXX results or so, not the entire XXXX. I believe the search results are non-productive and maybe even intentional so customers get frustrated and give up on filing a complaint. 

Can there be any easier way to there any easier way to find out how to file a complaint other than searching in the manner in which I did in both ways which the bank suggested? 

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 explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Interest begins tomorrow and I have called Nelnet ( my loan provider ) every day this week. I have spent hours on hold until I had to hang up. I do not know how much my monthly plans will be and I am confused if there is a deadline to apply for the XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: PA

Complaint narrative:
On XX/XX/2022, my parked car was hit by a person in a hit and run. I filed the police report and submitted my claim to insurance as a hit and run victim. My wife is trying to get insurance and add me to her policy, but when the insurance company checked my background via the LexisNexis database, it states that the accident was my fault and I received XXXX points on my license because I was at fault. I contacted both my insurance company and the reporting police department and confirmed that I was not at fault and I received no points for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: NY

Complaint narrative:
I submitted a consumer dispute letter disputing the " Incompleteness '' and " Maximum Possible Accuracy '' of EXPERIAN and XXXX reporting of my consumer information. I discovered that their reporting of my consumer information violates section 15 U.S.C 1681S-2 " Rule of Construction '' and " Maximum Possible Accuracy '' because it does NOT comply with the " Rule of Construction ''. These violations has caused me damages. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX EXPERIAN DATE OPENED : XX/XX/XXXX XXXX  DATE OPENED : XX/XX/XXXX EXPERIAN XXXX LAST REPORTED : XX/XX/XXXX XXXX  DATE LAST REPORTED : XX/XX/XXXX EXPERIAN XXXX LAST ACTIVE : XX/XX/XXXX XXXX  DATE LAST ACTIVE : XX/XX/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 2023-08-31 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
company used my identity with my consent reporting negative inaccurate information hindering me from obtaining credit I believe the company should do what's fair and equitable and remove these accounts forever.

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