vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: SC

Complaint narrative:
inquires not authorized by me

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 2021-07-27 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: UT

Complaint narrative:
I have been disputing accounts with the bureaus and have received no mail or any updates. I have stuff on my credit that needs to be removed. I have attached letters that I recently sent but there have been more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: UT

Complaint narrative:
I have been disputing accounts with the bureaus and have received no mail or any updates. I have stuff on my credit that needs to be removed. I have attached letters that I recently sent but there have been more.

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 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
We had a home mortgage through TCF Bank ( now Huntington ). We were approved to close on a refinancing in XXXX, also through TCF/Huntington, but due to bank delays and failures to respond to us, did not close until XXXX after I submitted an initial complaint to the CPFB ( XXXX ). It now appears that the bank did not properly pay off our original mortgage at closing of the refi. We are now getting past due notices on our original mortgage as well as billing statements for the new mortgage. We are extremely concerned about possible impacts of this on our credit reports. We have not been able to get help from anyone in customer service or our loan officer after repeated calls and emails. We have serious concerns about the bank 's ability to operate as they have mishandled hundreds of thousands of dollars, appear to have no record of transactions and fail to respond to customers. We need help getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: SC

Complaint narrative:
inquires not authorized by me

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 2021-07-27 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: NV

Complaint narrative:
I have tried disputing these inquires that I didn't authorize. Experian has violated the credit disputing laws, my next step will be to file a complaint with the federal trade commission. 

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 2021-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
I refinanced my vehicle with a different bank in XX/XX/2021. The new bank sent a payoff w/2checks ( bc I had to pay a difference ) in the same envelope, but only 1 of the checks was applied -- the larger check. Kia started calling & harassing me so I got the new bank on the phone and they sent ANOTHER cashiers check with the difference but it was not applied by Kia either. I called kia several times with the banker from the new bank on the phone. We provided tracking # and the name of the signer and verified their overnight address each time ; everything was correct but they couldn't find/apply the payment. As a result, I continue to encounter late fees, & Kia is destroying my credit. Each time a Kia rep told me they were looking into it and will fix it but they won't complete my payoff. Finally, someone at Kia said they would correct the issue and stop calling me but then I received a letter by mail stating the same thing : they were trying to collect a debt from me but I have sent them a cashiers check twice to their overnight payment address and it was signed as received. The new bank still hasn't received the title either because Kia won't apply the payment & claim they can't find it even though XXXX has signed for it twice.

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 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has called multiple times on the same day. Multiple emails which give false information about how making a payment against this debt would not reset the time that they could pursue legal recourse on this old debt that is over 6 years old and they have already charged off. I had in the past attempted to work through a debt settlement service and they refused at the time to accept it as well and now, after 6+ years they decide to start harassing me for the money. I will include the email they sent me about the debt. They indicate things like, because of the age the debt they can not sue me for it and they would not consider any payments made to restart or extend the time they have to sue on the debt. Which is a ploy because by law if I did make any payments they could use that against me and restart the debt if I didn't finish making payments. Due to XXXX I was no longer able to make payments at the levels they wanted, so I attempted to use a debt settlement service to clear up the debts and they refused to accept the negotiated deal with the company so I ended up falling into default on the credit card. They didn't pursue it until now, after the time to collect it ran out and it's off my credit report. They are deceptive while trying to sound helpful and caring. They need to stop this practice and discontinue trying to collect this kind of dead 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 2021-07-27 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: NV

Complaint narrative:
XX/XX/2021 I contacted the the creditors about XXXX/XXXX  XXXX  being an account I didnt open. they told me to pay the balance and they would remove it even if it wasnt me. 

XX/XX/2021 I also contacted XXXX/XXXX  with the same problem and they offered me to pay. I did and no results.

I submitted a FTC report and locked my credit.

Every Bureau deleted except EXPERIAN.

Ive wrote them letters and they refuse to even correct the new information. They are making my life hard because if identity theft.

Account need to be deleted from Experian : 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 2021-07-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  
Date of inquiry :XX/XX/XXXXThis is not mine. 

4. Identity Theft XXXX XXXX XXXX  
Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XX/XX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft COAF Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XX/XX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft TD BANK N.A. Date of inquiry : 05/06/2020
This is not mine. 4. Identity Theft TD BAN K N.A. Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XXXX  XXXX CHR  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XX/XX/XXXXDate of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
The reason that I am complaining to you all is that Wells Fargo bank is taking advantage of people that are on a fixed income just like I am I am XXXX and I am struggling just like the other consumers that trust Wells Fargo bank will help me to become financially stable and to no avail has helped me to become financially stable and has taken advantage of all other consumers and opening up fake accounts and forging names with out the consumers consent and sharing the consumers information with out the authorization with out the consumers permission. And Wells Fargo bank has even got sued for taking advantage of people that are banking with Wells Fargo bank. These banking institutions should help the consumers by allowing the consumers to this institutions should be able to provide vital information to the consumers and not to be well informed about the late fees in some cases these banking institutions are not being informed of the hidden fees. In which Wells Fargo bank has failed to do so. I have been told by the men that works with Wells Fargo bank that he is not the one or whatever a person is dealing with family issues should by any means take it out on the consumers. And for whatever a person is dealing with at their house should never bring their families problems to a professional environment and taking their families issues out on the consumers by any means. This always happens to me and other consumers as well. And this has always happened to to people that are struggling just to make ends meet. And all of these things needs to be stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX.

Date of inquiry :XX/XX/XXXXThis is not mine. 

4. Identity Theft XXXX XXXX XXXX.

Date of inquiry :XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft SYNCB/TJX DC Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX/XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 2021-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format methodignoring to report. 

XXXX XXXX Account ID : XXXX or XXXX1 ( please see attached screenshot that account number is different between 3 credit bureaus ) The date of the last activity for the account is different between all three Credit Reporting Agencies. After requesting investigation from the Original Furnisher and Credit Bureaus it stays same way different. That is giving me indication that it was never investigated by anyone. Please see Attached screenshot of this account in question.

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).
It is very serious that you please investigate and resolve as this is harmful to my character and is obstructing my potential to obtain financing.

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 2021-07-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format methodignoring to report. 

XXXX XXXX Account ID : XXXX or XXXX ( please see attached screenshot that account number is different between 3 credit bureaus ) The date of the last activity for the account is different between all three Credit Reporting Agencies. After requesting investigation from the Original Furnisher and Credit Bureaus it stays same way different. That is giving me indication that it was never investigated by anyone. Please see Attached screenshot of this account in question. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very serious that you please investigate and resolve as this is harmful to my character and is obstructing my potential to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am at my wits end here with Portfolio Recovery Associates! I have sent them several letters for them to validate this alleged debt they keep trying to collect and continuing to report to the credit reporting agencies, which is severely damaging my credit files and scores. Every time, they send me some bills from XXXX not providing me any legal documents, including any original contracts or anything. 
To make matters worst, they keep providing me some bills that shows a total different amount from what they are stating that I allegedly owe them and trying to collect. Let 's not forget that I never even knew about Portfolio Recovery Associates before I saw that they are reporting this negative account on my credit report. 

Their own documents states, " it is not an attempt to collect a debt ''. They keep ignoring me, stalling me, and completely violating my rights and the law. This is attacking my character and is causing me suffering and pain. 

I need them to immediately close this account and delete them it from my credit reports. This is absolutely absurd!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I have sent three letters to TOYOTA MOTOR CREDIT, requesting copies of payment history and they still have not provided any, surpassing their 60 day grace period, to be able to verify the account.Account number XXXX, Account status-Closed.Date opened XX/XX/XXXX, which in itself is beyond the Pennsylvania statute of limitations of 6 years.Please remove this account for voilation of my consumer rights.i am requesting to take legal action if this account is not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: IL

Complaint narrative:
I have a XXXX XXXX  credit card and a XXXX car loan on my credit report nether one of these accounts are mine i sent in a dispute and FTC report and police report to the credit bureaus and the credit bureaus removed the accounts from my credit report. 

XXXX was removed - XX/XX/2021. 
XXXX bank was removed - XX/XX/2021. 

It is against FCRA to remove unverifiable and unauthorized negative accounts and place them back on the report once it has been removed. These negative items are back on my credit report. It is really hurting my score and credit profile and stopping me from getting a new home and a better position at my place of employment. Please help me get these negative unauthorized items from my credit report permanently. 

Attached will be proof that these items were removed at the above referenced date. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
Phone call prompting to call XXXX, when they use a fake caller ID number XXXX. The name they ask for is an unknown person to me. I've told them this, and they continue to harrass me.

Company response to consumer: Closed with non-monetary relief