vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: TN

Complaint narrative:
I am seeking to have the XXXX XXXX account in the amount of {$2300.00} removed from my credit report. I disputed this and advised XXXX XXXX that I do not owe this debt. XXXX XXXX  referred my Account to XXXX XXXX XXXX and due to jurisdiction issues XXXX XXXX XXXX brokered this to XXXX, XXXX and XXXX. I tried to resolve this with all XXXX companies to no avail. I was taken to civil court twice by XXXX, XXXX and XXXX representing XXXX  XXXX. The first court date was postponed allowing time for XXXX XXXX to return with proof of the debt. At our final court date ( a trial ), XXXX XXXX did not provided any evidence that I owed this debt. XXXX was ordered in my favor and the cased dismissed with prejudice. Please find included a copy of said XXXX. I spent XXXX  days missing work to attend these court dates. I have sent multiple letters, emails and made many phone calls attempting to get this item removed from my credit report. 
Please remove this account from my credit report as I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 



Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution XXXX XXXX XX/XX/year>2024 TransUnion

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 2024-08-15 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 



Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution XXXX XXXX XX/XX/2024 TransUnion

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 2024-08-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
Your company is in violation, you have caused me pain and suffering due to mistreatment and discrimination. All accounts closed, charge off, late payments need to be deleted immediately. You are now under Federal Law.

15 U.S. Code 1691 - Scope of prohibition 1026.23 Right of rescission.

15 U.S. Code 1692g - Validation of debts 12 CFR 226.4 - Finance charge.

15 U.S Code 1692e- False or Misleading Representations Termination of Collection Action, Write-off and Close-out/Cancellation of Indebtedness

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 2024-08-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

Your company is in violation, you have caused me pain and suffering due to mistreatment and discrimination. All accounts closed, charge off, late payments need to be deleted immediately. You are now under Federal Law.

15 U.S. Code 1691 - Scope of prohibition 1026.23 Right of rescission.

15 U.S. Code 1692g - Validation of debts 12 CFR 226.4 - Finance charge.

15 U.S Code 1692e- False or Misleading Representations Termination of Collection Action, Write-off and Close-out/Cancellation of Indebtedness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit reporting agencies have placed accounts that were never to be or are incorrect on balance and contract. XXXX XXXX has no agreement with me also under UCC 3-104, 31 USC 5118 , 12 USC 1431 , 18 USC 8 . 
The XXXX Accounts are XXXX. XXXX XXXX- ( auto ) XXXX or relevant. 
XXXX. XXXX XXXX - XXXX ( AUTO ) XXXX. XXXX XXXX - XXXX XXXX ( REVOLVING )

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 2024-08-15 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: GA

Complaint narrative:
The credit reporting agencies have placed accounts that were never to be or are incorrect on balance and contract. XXXX XXXX has no agreement with me also under UCC 3-104, 31 USC 5118 , 12 USC 1431 , 18 USC 8 . 
The XXXX Accounts are XXXX. XXXX XXXX- ( auto ) XXXX or relevant. 
XXXX. XXXX XXXX - XXXX ( AUTO ) XXXX. XXXX XXXX - XXXX XXXX ( REVOLVING )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XX/XX/2022 TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX, New XX/XX/2022 TransUnion XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/2022 TransUnion Here I attach, along with the dispute, my fraud report that I just sent to TRANSUNION for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity

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 2024-08-15 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: NY

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-08-15 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: VA

Complaint narrative:
In early XX/XX/2024, I refinanced an auto loan that was originated by Hyundai Motor Finance. Because of lag time in receiving the payoff check from the new lender, I had to keep paying my loan. As a result, I had an overage in my account of about {$1000.00}. 

Hyundai cleared my payoff on XX/XX/XXXX or XXXX -- I've been told XXXX different dates. My refund has been " pending '' since XX/XX/XXXX, according to them. They are telling me that it takes 30-45 days to issue a repayment for an overage. I'm bewildered. This is money I DID NOT OWE. It's sitting in their account collecting interest -- there must be other situations like this. 

I have called them twice ( XX/XX/XXXX and XX/XX/XXXX ) to ask them to release the funds, and to explain why it is taking so long. They told me that if I had simply made a double payment and was still a customer, it would 10-15 days to resolve. But apparently because I have paid off the loan and am now an ex-customer, it takes 30-45 days. They can not explain a rationale for this.

It strikes me as abusive and utterly unfair that they get to hold onto my payment for a month and half for apparently no good reason. They will not even consider escalating the matter until 30 days have passed, for reasons that no doubt make sense to them. 

As a consumer, I'm really disappointed to be mistreated this way. I had a great auto buying experience, but after 8 months I had an opportunity to get into a better-price loan, and I took it. All the goodwill that they built up with me during the car-buying experience has been squandered by this egregious practice of holding onto people 's money long past any reasonable deadline. Clearly, they have the CAPACITY to make a refund in 10-15 days, because they do it for other accounts. They just choose not to do it in this instance. 

I would be very curious to know how much money gets tied up in overages and what explanation they could offer to CFPB 's investigators. 

They say they are now escalating the matter and that I will hear something from someone someday soon. Very specific. It's interesting that the representation that they are willing to me when I complain does not favor me the way their 30-45 day hold on money that DOESN'T BELONG TO THEM favors 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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: MN

Complaint narrative:
I applied for a loan through Upgrade on XX/XX/XXXX and got approved for XXXX loan for consolidation of debt. I was told to put the account information for accounts to be paid off and the rest would go into my bank through XXXX. I got all the funds paid to the accounts on XX/XX/XXXX minus one which is a credit card through my bank. I was told by XXXX they did not receive these funds or an attempt to place them into my account. Upgrade told me they did receive the funds and my bank has to refuse them and return the funds before they could put those funds into my checking account. I called XXXX repeatedly whom has stated they have received no funds and they would have put them into my checking account since my card can not receive funds outside of my checking account but they have no received any funds. Upgrade told me to wait 15 days so I waited 15 days. After the 15days past they said it would be another 15 days for those funds to be refused and put into my account. I called for the additional 15day mark and they are now saying 3 to 5 business days and XXXX still says they have not received any funds and now my payment is coming due to pay on a loan I have not received all the funds for. Both companies tell me to talk to the other and meanwhile nothing is getting resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my 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 non-monetary relief
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my 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 non-monetary relief
Consumer complaint received 2024-08-15 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: TX

Complaint narrative:
I disputed late payment with Experian credit bureau, and they closed the dispute within 3 days, and they didn't even acknowledge the payment history with the company I'm disputing. It is wrong and it should be corrected ASAP. This is affecting me. I have never had any late payments. They did not take the proper steps to investigate this inaccurate/false information of late payments.

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 2024-08-15 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: LEXISNEXIS
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also documents so I may review to see if this is actually an account that belongs to me as well as law 15USC 1692 c ( c ) which clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
Recent credit reporting shows inquiry from Citizens bank on XX/XX/22.No indication as to why it was pulled, requested information from company and they have no applications at that time. They could not tell me why it was on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: MA

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
On XX/XX/year> I tried to call this company to satisfy the payment and asked them if I paid it will they take it off the credit report and they said " No '' not only have they been " HARASSING ME '' calling and sending correspondence to pay.

According to law : 15 USC 1692 ( c ) Law states : if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must all communication.

Company response to consumer: Closed with non-monetary relief