vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Transunion made. And Im sure that there agency didn't Report 100 % correct Information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate Information.

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 2022-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
N accordance with the Fair Credit Reporting Act United Auto Credit account number # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
in accordance with the fair credit reporting agency act XXXX account # XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
in accordance with the fair credit reporting agency act XXXX account # XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX acct # see attachment The Credit reporting agencies and XXXX XXXX are claiming I have late payments and it is affecting my credit score and damaging my creditability. They are reporting 2 miss payments when I know i made those payments and have the statements from both of my banks to prove it. 

I reported this with the company and they reported it to the bureaus. please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX acct # see attachment The Credit reporting agencies and XXXX XXXX are claiming I have late payments and it is affecting my credit score and damaging my creditability. They are reporting 2 miss payments when I know i made those payments and have the statements from both of my banks to prove it. 

I reported this with the company and they reported it to the bureaus. please see attachments

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 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I had a {$2000.00} Amex gift card and went to use it and only had {$11.00} on it. I did use the initial {$300.00} on XXXX XXXX  at XXXX. I kept it at the house ever since. I went to use the balance on the purchase of a refrigerator at XXXX 's on XXXX XXXX, XXXX  and they said I only had {$11.00} applied. I looked up activity online and realized somebody had charged most of the value at various vendors over the past 4 weeks. I was able to stop about {$510.00} of it since it was pending and AMEX halted the pending transactions, but weren't willing to do anything about the ones that had already gone through. The card was at my house the whole time and not out of my possession. There are no measures of security to protect against fraud. I bought the card through AMEX, so it is not like I bought it at a store where someone else could've read the numbers. AMEX told me I have to reach out to all of the vendors where card was spent to see if I can recover the money. They were not willing to take accountability on their end to consider that my numbers are possibly a security breach on their end. I am disgusted with their lack of security and effort to make it right after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX made. And XXXX sure that there agency didn't Report 100 % correct Information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate Information.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto loan was paid in full as of XXXX. It is now XXXX and the company is still reporting that my information is negative. I've been on the phone with them since XXXXpm eastern time and they keep saying their system is down and disconnecting the call. I already have a pdf form of the paid in full letter but I can't upload it online on XXXX because they don't accept password protected documents. I've been trying to dispute this for the longest and they won't even help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a transaction in the amount of {$82.00} from my citizens bank checking account, paid to a company named XXXX XXXX It's a transaction that I didn't authorize. I've contacted my bank, the police dept and the company that ( according to my citizens bank statement ) received the money. All contacts were made on XX/XX/2022 Citizens Bank has started an investigation. 
The XXXX XXXX XXXX has also started an investigation, however a document from the FTC is needed along with a copy of the police report. Zone XXXX XXXX Pa Police, case number ; XXXX. I will be requesting an actual copy of the police report for the company on XX/XX/2022

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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. 

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 

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 accurate.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

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. 

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 has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
N accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are 100 % incorrect from Experian. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate

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 2022-10-07 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: SC

Complaint narrative:
Suspected Identity theft

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 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Account is stating incorrectly previously reporting account as collection/derogatory both at the same time with a balance of {$410.00}. There is no way that account can be in derogatory if its in collection already And stating incorrect date less active and date last reported along with date open. Account has too many in accuracies already. I disputed account with XXXX XXXX and XXXX as I do not recall having this account open yet results came back incorrect. Results to my dispute came back stating account open when previously was in collection. How can that be possible?! Payment history was previously not reporting and now experian is reporting consecutive charge off as if it was some sort of payment method payment can not report on a dead account. Date last active is reporting as XX/XX/21 with XXXX while date open is reporting as XX/XX/21 this is a total mistake. There is no possible way that account has recorded the day last active before the account was even open.!

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 2022-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: OH

Complaint narrative:
My husband and I got a loan thru Goodleap for a solar system in XX/XX/2021 that was XXXX XXXX which was changed to XXXX XXXX XXXX ever since weve had them weve had several problems with the system not working For the past 6 months our system has completely been broke not working at all Weve had 3 appts for someone to come out to fix the issue and its been no call no show each time We found out 3 days ago that they have closed their doors and are no longer in business So my 1st call was to Goodleap to see what we were supposed to do about our loan which we have been paying even though our solar panels havent been working Their response was to contact a 3rd party and pay someone to come out to fix the issue or call XXXX which we have so and they are saying its not their fault That we are still responsible for the loan We do not understand how this is even possible We want our loan to be canceled and the solar panels removed from our house We are getting the run around with everyone we speak to regarding this issue So we are paying a loan of XXXX for something that isnt even working and paying over {$400.00} a month for our electric bill and for the solar panels!! Weve also contacted XXXX XXXX XXXX XXXX  XXXX and put in our complaint which they are currently have a lawsuit going

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/2022 I called Midland credit management to pay off 3 items in my credit report totaling XXXX. The person I spoken with advised me that the items would be removed in 30 days. On XX/XX/XXXX I noticed that the items were still showing on my credit report. I called Midland credit management back and he told me that the items werent paid for and that Id have to pay them again. To let him theres no way my paying twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: MI

Complaint narrative:
On XXXX I sent Experian a letter regarding inaccurate and unknown things on my credit report and to this day I haven't received a response yet. I am deeply upset and frustrated and feel like i'm being taken advantage of. Section 611 ( a ) states that a failure to investigate these items within 30 days requires immediate removals of these items from my credit report. It has been over 30 days so I am demanding they be deleted promptly. I demand they be deleted or I will file for litigation due to the stress this is causing.

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 2022-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: ID

Complaint narrative:
Had a loan for XXXX have already paid XXXX and owe another XXXX because of the XXXX XXXX interest rate. On top of the crazy interest rate it charged me XXXX XXXX  everyday adding XXXX $ onto my loan every single day until I pay it off. Called cash net to settle for the amount I borrowed and they told me that it was my fault for not reading through and finding my interest rate. This company is preying on people who they know cant make these payments and they will increase your limit without asking as well as monitoring your bank account so when you get low on funds they send an email soliciting to you that you now have more funds to draw from. Completely absurd and out of line, I would like a follow up to this complaint to see what will be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
Account is stating incorrectly on credit report stating account as collection while derogatory both at the same time. This is not possible if account is collection it can no longer be derogatory and there should not be late payments reporting. Account was reporting date open as XX/XX/XXXX XXXX XXXX and XX/XX/XXXX by XXXX. Date last active reported as XX/XX/XXXX by XXXX XXXX while XXXX reported XX/XX/XXXX. I disputed account asking to verify or delete as I do not recall having this account results came back still incorrect. stating account is open when previously account was call collection with an accurate date less active stating as XX/XX/XXXX by XXXX XXXX XX/XX/XXXX bye XXXX stating that investigation has been completed where I strongly disagree because there is no way that account can be reporting collection and then suddenly they change it to open an account reporting consecutive charge off as if it was some sort of payment method on a dead account I have tried contacting both the creditor and collection agency and Original creditor stated over the phone that they no longer owe this account therefore they couldnt help. I havent had any luck contacting the collection agency. I never received any sort of document stating that the debt belongs to me by neither XXXX XXXX or XXXX account is a total mistake itself no doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
I've sent my Payment Coupon, a form of legal tender that should have been credited to my mortgage account. I have not received anything in writing about why my payment has not been credited even though I've requested it many times. The mortgage holding company and the past mortgage company continue calling me telling me a coupon is not a coupon or a form of payment. I've attached definitions and some laws to back my case. If you don't provide logical and legal answers, meaning no opinions, the alleged debt is to be discharged immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Vehicle loan or lease — Lease
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: AZ

Complaint narrative:
Company : Hyundai finance XXXX XXXX XXXX : XXXX XXXX XXXX I leased the car from them in XX/XX/XXXX and purchased it from them in XX/XX/XXXX Date purchased : XXXX XXXX Amount I paid to Hyundai finance XXXX : {$12000.00} Paid from my checking account at XXXX XXXXXXXX XXXX 1. Company claims they mailed title on XX/XX/XXXX. I did not receive it. Company has my correct address on its files, but they say they wrote an incomplete address when they mailed it. 

2. I have made at least 6 follow up calls with them beginning XX/XX/XXXX and ending XX/XX/XXXX Their representatives have promised to send me both a notarized lien release letter and a certificate of no interest. No one there seems to know which of the two documents I need to transfer title to my name. After each call they promised I would get the proper papers in 3 to 5 business days. So far I have not received anything from them. They have missed several deadlines 3. There is no way to communicate with them by email and get a written response from them to confirm when they will complete the process and deliver the proper papers I need. The only practical means to complain is by phone and that has been very ineffective I seek your help to resolve this problem. I have paid for the car in full and Hyundai Finance should make sure that they do everything expeditiously to help me transfer the title to the vehicle in my name. 

Regrettably they have been quite XXXX in handling this matter. 

Thank you for your help

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