vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 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: CO

Complaint narrative:
Below is the dispute I sent to XXXX XXXX, XXXX, Equifax and XXXX  ( exhibits do not show ) but the info is there. I disputed the date of last activity and the way the account was reported. The date of last activity is not being reported as the same date on all credit reports. Nobody did an investigation. I checking my credit reports every day and account was never noted as disputed. This is a legitimate dispute. 





XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX I am disputing the accuracy and completeness of XXXX/XXXX  XXXX. To demonstrate the account is not complete or accurate I have supplied : Exhibit 1 ( Equifax  reporting of this account ) Exhibit 2 ( XXXX  and XXXX  reporting of this account ) Exhibit 3 ( XXXX XXXX manual reporting guidelines for paid charge off account ) Exhibit 4 ( XXXX XXXX manual compliance code guidelines for reinvestigations ) This dispute letter is structured to send to original creditor, XXXX, Equifax and XXXX  because the contradictory reporting is evidence to all parties, demonstrating a new investigation is required by all parties. In addition to the investigation being required, I am requesting the investigation be reported accurately according to XXXX XXXX manual guidelines ( Exhibit 4 highlighted in pink ) beginning with using compliance code XB. 
Exhibit 1 ( Equifax lender report ) Exhibit 2 ( XXXX  and XXXX  Report XXXX Inaccuracies : 1. XXXX ( Highlighted in yellow ) a. Equifax reporting XXXX of XX/XX/XXXX. XXXX  reporting XXXX  of XX/XX/XXXX. It can not be both. I am requesting an investigation into the accuracy of XXXX. 
2. Account Status ( Highlighted in green ) a. Equifax reporting Charged off Account. XXXX  reporting Charged off account. XXXX  reporting Purchased by another lender. Exhibit 3 is from the XXXX XXXX manual. It outlines how a paid charge off account status should be reported. Should be account paid in full, was charge off. 
Incomplete : 1. Payment ( circled XXXX a. Scheduled monthly payment amount is blank. Exhibit XXXX demonstrates this is incomplete. 










Exhibit 3 ( XXXX XXXX Manual reporting guidelines for paid charge-off accounts ) Exhibit 4 ( Compliance code conditions and reporting guidelines ) Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: WV

Complaint narrative:
Payment was made online on XX/XX/2020. My due date is the XXXX  of every month. Hyundai finance applied my payment to the wrong account. I have spent over 5 hours on the phone this week to no avail.

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 2020-07-06 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
AGAIN, IDEAL COLLECTION SERVICES IS REFUSING TO ABIDE BY WHAT I HAVE BEEN TELLING THEM! THEY RESPOND WITH GARBAGE AND ARE NOT CONDUCTING AN INVESTIGATION INTO THE CLAIM THEIR CLIENTS HAVE UNRIGHTFULLY CHARGED ME. I WILL CONTINUE TO COMPLAIN ABOUT THE DISGUST OF THIS COLLECTION AGENCY. I DON'T KNOW HOW THEY ARE SO QUICK TO RESPOND THE SAME DAY I SPOKE WITH THEM AND THEY ADVISE MY FILE IS NOT IN THEIR OFFICE ALL OF A SUDDEN AND TO ALLOW 30 DAYS. 



I have previously complained about Ideal Collection Services and their client XXXX XXXX. Fortunately, Ideal Collection Services have removed from other bureaus except XXXX. XXXX XXXX  finally admitted to the XXXX  ( see attachment ) on XX/XX/XXXX that the tenant XXXX XXXX XXXX XXXX XXXX vacated the premises on XX/XX/XXXX. Although they claim it was an eviction, it was an agreed upon move-out due to my notary public sign being a violation. I have the e-mail screenshot ( SEE ATTACHMENT ) of XXXX XXXX, the accountant for XXXX XXXX advising, " ... You have until this weekend [ XX/XX/XXXX, XX/XX/XXXX ] to vacate the premises. If you're not vacated, we will begin the EVICTION process on Monday XXXX XX/XX/XXXX ] ... '' Since I was moved out on XX/XX/XXXX PRIOR to the the weekend XX/XX/XXXX & XXXX, XXXX, there should not be ANY " EVICTION '' done and applied to my credit. I spoke to XXXX at Ideal Collection Services and he did inform me my file was in archives and should arrive by Thursday of last week XX/XX/XXXX. XXXX also advised that XXXX  had not sent them any requests or communications since XX/XX/XXXX, which is really alarming to hear that XXXX  was NOT doing their part in protecting the consumer and attending to my concerns. Furthermore, it is saying last balance updated on XX/XX/XXXX which is absolutely reporting incorrectly because this balance of {$5800.00} has been the same over these last 5 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: TN

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-07-06 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: AR

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2020-07-06 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2020-07-06 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-07-06 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-07-06 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am completely dissatisfied with this company called Exeter Finance , XXXX, XXXX, & XXXX XXXX XXXX. I have contact them and XXXX MULTIPLE times over the years for them to remove themselves from my credit report. I sent the credit bureau the police report attached where my property, identification, and social was stolen back in XXXX. This company has been reporting on my credit since XXXX!!! Just in the last year I have sent them 4 different letters for removal from my credit report. Letters where dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. All with the police report attached showing my identification was stolen along with proof of my address at the time. I have NEVER had an account with this company!!!!! XXXX, Exeter Finance, XXXX not XXXX XXXX XXXX have sent me any PROOF, as in when or how, that these accounts were validated to be mine. They have nothing with my signature on it stating the accounts to be mine!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
I was offered and accepted overdraft coverages and feel they did not give me what my contract told me I would get. My account was closed before I could pay the amount and sent to collection for being overdraft. I tried to work with the credit union and they refused. It is on my credit report reporting false information because I feel I paid for a service I did not get. I feel this is false and deceptive information the bank gave me about overdraft coverage for {$700.00}. I was even threaten by the collection agency about a medical debt from 2001 from XXXX XXXX and was told that it was also still a valid debt.

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 2020-07-06 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: TN

Complaint narrative:
showing fcra violation inaccurate information reported to the ftc please correct it or remove the violations it's the law in America

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2020 KIA MOTORS FINANCE CUSTOMER SERVICE XXXX XXXX  XXXX XXXX XXXX, CA XXXX Attention All applicable In Re : XXXX XXXX XXXX -- -- XXXX Account # XXXX To all Applicable : This correspondence is being forward to your attention seeking your immediate attention on the above-referenced vehicle. On or about XX/XX/202, this account has been settled in full as contractually agreed. In other words, send me any overpayment due along with my vehicle title, IMMEDIATELY. 



Should you have any questions or concerns do not hesitate to contact me at any time, Sincerely, XXXX XXXX Digital Signature encl XX/XX/2020

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 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Thursday XX/XX/XXXX a business loan for XXXX was deposited into my account. I went on XX/XX/XXXX to get a cashiers check to move the funds to my actual business account when I was notified that my account was froze. When I called the same day I was told I would have to wait for them to conclude their investigation and Ill receive a letter in the mail. Nobody has been able to answer my questions. I called XX/XX/XXXX and was notified that the account is actually in the process on being closed. Im assuming the investigation is because of the amount deposited. I have all documents on the business loan but nobody has reached out to me to rectify the situation. Now I have XXXX that I dont even know when I will be able to access. Obviously I need the money ASAP or I wouldnt have applied for the loan. Now I cant access my account at all or any of my funds.

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 2020-07-06 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: MD

Complaint narrative:
On my Experian credit report, an inaccurate, negative item from XXXX XXXX XXXX appears. Despite my repeated requests for proof of validation, Experian has failed to validate this item, while continuing to report this negative item on my credit report. 

I contacted XXXX XXXX, the mortgage company, which should be the reporting entity and asked for a history of this loan. They provided a letter ( attached ) and were not able to validate XXXX XXXX involvement in this loan. I am requesting that XXXX be deleted from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
showing fcra violation inaccurate information reported to the ftc please correct it or remove the violations it's the law in America

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 2020-07-06 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: TN

Complaint narrative:
showing fcra violation inaccurate information reported to the ftc please correct it or remove the violations it's the law in America

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 2020-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
THERE ARE SEVERAL INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PERSUANT TO FCRA 604 IM DEMANDING THE REMOVAL OF IT. 

THE DATES SHOWING OF THESE ALLEGED INQUIRIES ARE : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-07-06 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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