vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a victim of identity theft, I have taken the necessary steps to protect my credit and financial information. Pursuant to 15 U.S.C. 1681c-2, I have submitted an identity theft report to the credit reporting agencies and requested that all fraudulent information and credit inquiries resulting from the identity theft be blocked from my consumer report. 
The Fair Credit Reporting Act prohibits credit reporting agencies from furnishing any information in my file that I have identified as resulting from identity theft. 
I am entitled to have this information removed, as it was obtained through unlawful means and does not accurately reflect my creditworthiness. The credit reporting agencies must comply with my request and ensure that my consumer report is free of any fraudulent activity stemming from the identity theft incident. 

My only address is : 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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-04-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have included the details of the problems in an attachment. See letter in attachment. Summary : The XXXX XXXX account that is being reported on my credit report has been investigated for accurate and complete details multiple times. I requested that the details of contact person ( s ) that are providing the details on the account be provided to me so I can follow up with any person ( s ). No information has been provided to me and proof of the details has NOT been provided to me after I requested. The account details remain inaccurate and incomplete. My rights are being violated because the details of the account are not accurate, furthermore the company has lied and provided false information because they have not properly investigated, nor reinvestigated the account details, otherwise the account would be accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am writing account information to credit reporting companies. This erroneous reporting has significantly damaged my credit reports, as Kia Motor Finance falsely reported me as delinquent on my loan. 

Despite fulfilling my financial obligations and paying off my loan as agreed, Kia Motor Finance has erroneously reported my account as " charged off, '' tarnishing my credit history and causing significant distress and inconvenience. 

I entered into a loan agreement with Kia Motor Finance, and I am pleased to report that I fulfilled all payment obligations promptly. Furthermore, I fully paid off the loan before the agreed-upon term end date. However, despite meeting all contractual obligations and ensuring the loan was paid as agreed, Kia Motor Finance has erroneously reported my account as " charged off '' to credit reporting agencies. 

The false reporting of my account status as " charged off '' has affected my creditworthiness and financial well-being. This inaccurate information has hindered my obtaining favorable credit terms, secure housing, and access to other essential financial services. Despite my repeated attempts to rectify this matter with Kia Motor Finance, the false reporting persists, and the company has failed to take appropriate corrective actions. 


Despite my consistent and timely payments, Kia Motor Finance has consistently provided inaccurate information to credit reporting companies, tarnishing my creditworthiness and causing unwarranted financial stress and inconvenience. I understand that loan servicers must furnish complete and accurate information that affects a borrowers credit report, as mandated by federal laws such as the Fair Credit Reporting Act ( FCRA ). 

The inaccurate reporting by Kia Motor Finance has seriously affected my financial well-being, making it difficult to obtain favorable credit terms, secure housing, and access to other essential financial services. Despite my direct attempts to rectify this matter with Kia Motor Finance, the inaccurate reporting persists, and the company still needs to take appropriate corrective actions. 

I would like for the XXXX XXXX XXXX XXXX XXXX to investigate this matter thoroughly and take necessary actions to ensure that Kia Motor Finance meets all relevant consumer protection laws and regulations. I also request assistance in remedying the inaccurate information on my credit reports and restoring my creditworthiness.

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 2024-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
Rent recovery solutions is violating my rights under the fair debt reporting act. They are on my credit report alleging I owe {$610.00} on XX/XX/XXXX. I sent them a letter asking them to validate the debt stating that I disputed the debt but that I would pay it to have it removed from my credit report for a lesser amount. They never responded to my letter. In the interim, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ill call Rent recovery solutions so I can resolve the issue because I needed to move immediately. I paid the debt. Rent recovery solutions refuses to provide me with payment proof, the representative applied my payment to the wrong account I was left on hold. I was denied a supervisor. I left a message for a supervisor several times she never returned my calls, and even after the representative admit it that she applied the payment to the wrong account she wanted to go on and tell me about the guidelines and rules about me receiving notification of the debt being paid even though they confirmed the payment had been applied to the wrong account, they are telling me I had to wait 14 days to receive proof of payment. They do not have the capability to email receive emails or send receive faxes and they have all this control over peoples livelihood and whether or not they can or can not be approved for a living space

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act of XXXX account # 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 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing about a charge that was on my statement and paid that was posted to my Citibank Double Cash account in the amount of {$990.00} posted XX/XX/2023. This was for a software subscription service that was nto provided by the seller. Soon after the amount was paid the provider ( XXXX XXXX, XXXX FL ) shut down his website and disappeared. He did not resond to emails. I notified Citibank and initiated a chargeback of this amount since the service was not provided. The dispute was filed online. It is my undertsanding if the service is not provided I am entitled to a chargeback. Citibank later refused that chargeback which I still dispute. I provided links to the closed wesbite and emails to the operator. As far as I am concerned this is pure fraud. 

This is the website. Shuttered for many months. 
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 monetary relief
Consumer complaint received 2024-04-25 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I am writing to address the persistent issues in my ongoing dispute, as detailed in my previous letters. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXX  And the following unauthorized Inquiries : XXXX XXXX XXXX ( Finance ) XXXX  XXXX ( Bank ), XXXX XXXX XXXX XXXX XXXX ( Bank ), XXXX XXXX XXXXXXXX XXXX ( Bank ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Miscellaneous ), XXXX XXXX XXXX  XXXX I would like to underscore the legal foundation of my concerns by referencing specific laws : * 15 U.S.C 1681 Section 602 A : This section explicitly affirms my right to privacy as a consumer. 
* 15 U.S.C 1681 Section 604 A Section 2 : Clearly stating that a consumer reporting agency can not furnish an account without my written instructions. 
* 15 U.S.C 1681c. ( a ) ( 5 ) Section : Prohibiting consumer reporting agencies from including certain adverse information in consumer reports, with a specified time limitation. 
* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Emphasizing that a person should not furnish any information relating to a consumer to any consumer reporting agency if there is knowledge or reasonable cause to believe it's inaccurate. 
I urge you to conduct a thorough review of my case in light of these regulations, as it is evident that my consumer rights have been potentially violated. Your swift attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I am writing to address the persistent issues in my ongoing dispute, as detailed in my previous letters. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX And the following unauthorized Inquiries : XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Bank ), XXXX XXXX XXXX XXXX XXXX ( Bank ), XXXX XXXX  XXXX XXXX ( Bank ), XXXX XXXX ( Finance ), XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( Miscellaneous ), XXXX XXXX XXXX XXXX I would like to underscore the legal foundation of my concerns by referencing specific laws : * 15 U.S.C 1681 Section 602 A : This section explicitly affirms my right to privacy as a consumer. 
* 15 U.S.C 1681 Section 604 A Section 2 : Clearly stating that a consumer reporting agency can not furnish an account without my written instructions.

* 15 U.S.C 1681c. ( a ) ( 5 ) Section : Prohibiting consumer reporting agencies from including certain adverse information in consumer reports, with a specified time limitation.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Emphasizing that a person should not furnish any information relating to a consumer to any consumer reporting agency if there is knowledge or reasonable cause to believe it's inaccurate.

I urge you to conduct a thorough review of my case in light of these regulations, as it is evident that my consumer rights have been potentially violated. Your swift attention to this matter is greatly appreciated.

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 2024-04-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX and XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Financial, Inc
State: NE

Complaint narrative:
I was trying to close the transition, but this company refused and told me i was on some blacklist but failed to give me the list

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I used the online service XXXX to file my taxes. The only way to get the money directly was to set up a credit, money account that XXXX recommended. I received my tax return into that account and used their parameters to start withdrawing the money. On XX/XX/XXXX credit Karma contacted me and asked if I had made, an online purchase for over {$2000.00}. I said no and they said they were shutting the account down. They deactivated the card and said they would send out a new one. After this phone call, they continued to allow someone to access the account and drain it of over {$2300.00} plus set up XXXX withdrawals from my bank account to them. They allowed this person to change the bank account, routing number, phone number, address, all of my personal information that was connected to this account was changed. I filed a dispute that same day and Credit Karma has never once reached out to me. I have called them over and over again and they will not respond except to put the money back into that same account which I can not access. Ive had to close my bank account and change my phone number to stop this from continuing to access my information. My last phone call with Credit Karma today was that they Needed an additional XXXX more days before they could answer how I could access my own money. Ive also spoken to XXXX because I believe that it may have been through them that the hack occurred, before I got my tax return. They sent me a notification saying someone had tried to access my account. I shut that down and change the password, but I am not sure where the breach came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I have a vehicle with my soon to be XXXX XXXX  back in XXXX of XXXX  my soon to be XXXX  had the car towed to the XXXX dealer to be fixed I noticed the vehicle never was picked up I went into the dealer they stated that XXXX they can not get a hold of and there is a {$1900.00} bill, I said I would like to surrender my plates. The XXXX called Credit Acceptance to pick up the vehicle and they did in the mean time I surrendered the plates to XXXX, my soon to be XXXX  worked it out with Credit Acceptance and he retrieved the vehicle back. I have called this company ever since XX/XX/year> and explained that they keep allowing XXXX to set up these payment arrangements and he is NOT paying on the vehicle i've explained i turned in the plates they said he is on the car and he can do. Long story short he has made couple of payments, that got kicked back the car kept having a past due balance, late fees and hitting my credit every month, in addition to them allowing him XXXX XXXX car with no insurance for months which i have proof of from tolls and it ended up getting my DL suspended not his they do not care. Now the car has been reposed from XXXX months ago due to non payment, his last know partial payment was in XX/XX/year> so no payments have been made since then, I received a letter that car is reposed and auction date is XX/XX/year> and guess what they are still allowing him to make payment arrangements, that he is not fulfilling and balance is going up, late fees and hit to credit. When I called them to ask this now the response is it is repoed although if it doesnt sell this is the way it goes plus the rep said we are in {$15000.00} on this vehicle. I said excuse me where does it state this in my contract and to send that info and I stated that something has to be illegal with this I can not see how this is still being aloud to happen. I see they have a lawsuit open with the XXXX of XXXX  on something like this. Everything they are doing is not based off the contract I have. I really need help with this it is ruining my life that they keep allowing this.

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