vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-30 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: GA

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint against Experian for violating my rights under the Fair Credit Reporting Act. During a reinvestigation, pursuant to 15 U.S.C. 1681i ( 7 ) of the FCRA, I was supposed to receive a description of the procedure used to determine the accuracy and completeness of the information on my credit file from Experian no later than 15 days after receiving my request for that description. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my file through CFPB complaint numbers XXXX, XXXX and by certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. It is now XX/XX/XXXX, and I have not received anything from Experian regarding this matter. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to Experians blatant disregard for federal law. It is my belief that Experian feels comfortable committing blatant violations of the FCRA because they know the CFPB wont enforce the laws set forth by congress as shown time and time again. Experian has caused me sleepless nights, stress, XXXX, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ) If after any reinvestigation any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.

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 2022-01-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Article I, Section 10 United States America republic Constitution Hjr 192 Public Law 73-10 48 48 stat 110 pg 112-113 I want all negative remarks removed and to reflect all positive payment history. I want all accounts to reflect paid off. 

Pursuant to 15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411.

Article 1 section 10 United States America republic constitution 12 U.S. Code 411. Issuance to reserve banks ; nature of obligation ; redemption Article 1 section 10 United States America republic constitution

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 2022-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I was on a payment plan with XXXX XXXX  that was covered by insurance. I submitted the paper work and they covered the monthly charges. My escrow company requested a pay-off amount and the check was sent to the wrong mailing address. In the process of trying to locate the payment more time passed. XXXX added an additional {$70.00} to the bill. That amount should have been covered by the insurance per the hardship agreement that was sent in. After the payoff was received that kept raising late fees even though I no longer used the card and sent the amount they said was the payoff amount. Now it's on my credit and I'm getting secondary emails from True Accord debt collection. This should be removed from my credit and shown as paid as agreed. They turned {$70.00} into {$260.00} debt on my credit report. I called to make sure the check was received and I'm still dealing with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: NC

Complaint narrative:
I noticed credit inquiries that I did not authorize made by the following companies below. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of privacy rights. These are fraudulent inquiries that I did not authorize. They information have not been validated with the companies nor have i been provided with copies of any documentation associated with these accounts listed below bearing my signature, I formally request once again that these fraudulent inquiries be immediately deleted from the credit file maintained under my Social Security number. I am making this final attempt to allow these Credit Agencies to correct the erroneous reporting, and I have maintaining a careful and complete record of my communications with the Credit Agencies. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXX/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 2022-01-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I noticed credit inquiries that I did not authorize made by the following companies below. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of privacy rights. These are fraudulent inquiries that I did not authorize. They information have not been validated with the companies nor have i been provided with copies of any documentation associated with these accounts listed below bearing my signature, I formally request once again that these fraudulent inquiries be immediately deleted from the credit file maintained under my Social Security number. I am making this final attempt to allow these Credit Agencies to correct the erroneous reporting, and I have maintaining a careful and complete record of my communications with the Credit Agencies. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-30 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: NV

Complaint narrative:
On XX/XX/2022 I, XXXX XXXX sent a letter of deletion to Experian via certified mail with tracking number XXXX. 

I received a letter back from Experian on XX/XX/2022 stating their investigation is still pending. 

Pursuant to 15 USC 1681a ( 1 ) - reporting ACCURATE information, until this investigation is complete I am demanding all disputed alleged debts be deleted from my consumer report until the validation process is complete. 

I, XXXX XXXX also under 15 USC 1681b- permissible purpose, NEVER gave Experian written permission to report ANY of these alleged debts. 

Because of these allegations that have been granted permission FROM Experian ( an assumed vital role ) not I, XXXX XXXX ( the natural person, consumer and original creditor ) I have been the victim of unfair and inaccurate 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 2022-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: OH

Complaint narrative:
Good evening!! 

I have tried contacting the original debt collector and now this third party to see to it that this debt indeed belongs to me. I have yet to receive confirmation that this debt is truly mine. 

The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 or in short better known as the Comprehensive CREDIT Act of 2020 within section 401 explains details regarding any adverse credit details contained within my personal credit file that Id appreciate if XXXX would adhere to as is required by law. 
To not adhere to this law is accepting all consequences included and not limited to litigation, that will come fourth should you not comply with Federal Law. 
( 12 ) TITLE IVCREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES Sec. 401. Adverse credit information Any other adverse item of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. 

Collection Account ( s ) - FBCS for the amount of {$1600.00} - LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: DE

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-01-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
My CD was classified as a dormant account and I am unable to access my funds. According to HSBC, an account is classified as a dormant account if there is no activity on the account in 3 years. My CD account was rolled over in XX/XX/XXXX. On XX/XX/XXXX, I transferred {$340.00} out of the CD and rolled the balance into a 1 yr CD. Upon maturity of my CD on XX/XX/XXXX, I discovered that my CD account is classified as dormant. I filled up the relevant forms to remove the dormancy status on XX/XX/XXXX. I was told that it should take 2-3 days. I have called customer service a few times and each time, I am told that the account is still dormant. As of XX/XX/XXXX, my account is classified as dormant and I am not able to access my fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
I reached out to XXXX XXXX XXXX several times. After to speaking with numerous of representatives and to my medical insurance company, I was informed by my insurance that they were supposed to submit a claim to my medical insurance. I called XXXX several more times and they told me I had a XXXX balance and they would submit the claim. Well that didn't happen and then they sent my account to Wakefield Collections and now this is on my credit report twice. I sent XXXX my proof of insurance coverage and my medical id information and still they reported me to the credit agencies. 

Apparently they like for you to pay an enormous amount out of pocket so they can get more money instead of the contracted amount paid through insurance. This is ridiculous. I email and called and they never once responded back to me. Just screwed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was on a payment plan with Comenity Bank that was covered by insurance. I submitted the paper work and they covered the monthly charges. My escrow company requested a pay-off amount and the check was sent to the wrong mailing address. In the process of trying to locate the payment more time passed. Comenity added an additional {$70.00} to the bill. That amount should have been covered by the insurance per the hardship agreement that was sent in. After the payoff was received that kept raising late fees even though I no longer used the card and sent the amount they said was the payoff amount. Now it's on my credit and I'm getting secondary emails from XXXX XXXX debt collection. This should be removed from my credit and shown as paid as agreed. They turned {$70.00} into {$260.00} debt on my credit report. I called to make sure the check was received and I'm still dealing with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Received letter for not paying medical bill that was already enrolled for monthly payment on XX/XX/XXXX, the installments were completed by XX/XX/XXXX. We did talk with the hospital and got confirmation that there was no balances and informs the same to the customer care representative. The debt collector reported derogatory on XX/XX/XXXX and XX/XX/XXXX for the paid amount.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 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: NC

Complaint narrative:
I noticed credit inquiries that I did not authorize made by the following companies below. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of privacy rights. These are fraudulent inquiries that I did not authorize. They information have not been validated with the companies nor have i been provided with copies of any documentation associated with these accounts listed below bearing my signature, I formally request once again that these fraudulent inquiries be immediately deleted from the credit file maintained under my Social Security number. I am making this final attempt to allow these Credit Agencies to correct the erroneous reporting, and I have maintaining a careful and complete record of my communications with the Credit Agencies. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
In the midst of the pandemic in XXXX, we returned our KIA lease vehicle exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. We advised KIA Finance by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be XXXX and there would be delays in receiving any paper mail while we were overseas.

We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from KIA Finance. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in late XXXX XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid. In any case, we assumed this letter would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by KIA FINANCE in XX/XX/XXXX per attached documents. 

We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report. 

We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked HYUNDAI KIA Motor Finance to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry. 

We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.

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 2022-01-30 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: DE

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-01-30 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: DE

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XX/XX/2022 Capital One Bank Capital One Bank sent an email stating the following : " Congratulations! Youve earned your security deposit back ''. 

Re : Your account ending in XXXX XXXX XXXX XXXX, As a partner in your credit journey, weve refunded your security deposit via statement credit. Your Capital One Secured Mastercard has been upgraded to a Platinum Mastercard. Youve been selected for this upgrade because youve used your Secured Mastercard responsibly.

The {$1000.00} dollars does not belong to Capital One Bank.

Youve earned your security deposit back and issuing a credit statement of my {$1000.00} dollars is NOT EVEN on the same footing.

I do not need a credit statement of my {$1000.00} dollars from Capital One Bank.

If needed I will seek a Lawsuit against Capital One Bank.

Company response to consumer: Closed with explanation