vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 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: TX

Complaint narrative:
This complaint is addressed to EQUIFAX. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: CA

Complaint narrative:
I leased a new XXXX Kia XXXX on XX/XX/XXXX and have made all payments on time. On XX/XX/XXXX I was hit while driving on the freeway in a 3 car accident that resulted in my car being totaled by my insurance company. At the time of my accident I was not in default of my lease. 
Since the Car was totaled, Kia Financal infomed me that at owner of the vehicle, they were entitled to XXXX percent of the insurance proceeds. The amount the insurance company offered, the XXXX of the vehicle, was determined to be {$43000.00}. However, the early termination payoff amount from the Kia Finance website on that date was {$35000.00} giving KIA {$8100.00} gain from the excess depreciation I had paid during the course of my lease. In addition the payoff included an additional {$3300.00} in sales tax. 
On XXXX XXXX I exercised my option in the lease agreement ( paragraph XXXX ) to purchase the vehicle before maturity, making me now the owner of the vehicle. I sent payment of {$39000.00} to Kia Finance via their web portal. This purchase option ( before XXXX ) was unrestricted and only conditioned upon me not being in default. 
Kia refused to send me the title to the car claiming my contractual right to early payoff of the lease was not applicable when the car was totaled, even though no such language exists in the lease document. 
In addition, since the car was totaled, I informed KIA that sales tax on the transaction was not applicable and asked for a full refund of the {$3300.00} that was included in the pay off number. Note that in the settlement offer with my insurance company KIA did not charge sales tax because this was viewed as a financial transaction for insurance purposes, not a resale of a car since the car is now a salvage vehicle. 
On XX/XX/XXXX received a check from KIA in the amount of {$25000.00} XXXX XXXX months after I Paid {$39000.00} to KIA or {$14000.00} less than what was determined to the the pay off amount on XXXX XXXX, XXXX the check was labeled Lease Refund?

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 2023-04-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX is reporting fraudulent accounts to my credit file. A police report and an FTC identity theft affidavit was submitted and the credit reporting agencies refuse to remove the fraudulent accounts after receiving proof the accounts are fraudulent. I ask that the credit reporting agencies cease and desist from reporting fraudulent transactions without true verification. Police report and FTC Report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: CA

Complaint narrative:
I want to file this complaint to TRANSUNION. I wrote to them the inaccuracies of my credit report including dates of last activity, dates opened, dates reported, and payment status. They claimed to have conducted a thorough investigation, despite the fact that it its over 30 days. As I checked and reviewed my credit report seems nothing has changed and no action has been taken. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-04-07 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: Early Warning Services, LLC
State: CA

Complaint narrative:
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I am not aware of this account in my consumer report. 

I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
On XX/XX/2022 I received a collection notice from XXXX XXXX XXXX in regards to doing business with XXXX XXXX XXXX in the amount of {$3500.00} I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed. Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt. Please provide original contractual agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Over the past 2-3years, I have been denied P2P service of PayPal Inc . I submitted several complaints regarding this company yet nothing is getting done. This year I recently try to get my account activated again so that I can send payment out to a merchant who only takes funds to PayPal. I contacted Paypal through another complaint and PayPal Executive Team got back to me claiming that I can pay off the negative balance that was sent to various collections agencies with no tracking system. Now that Im readily available to process payment to PayPal collection agency since the debt was brought back, a collection service rep told the debt has been forgiven since its been way past due. He advised me to reopen a new PayPal account with a different email and transferred me to Customer Service Dept to get that request done. Somehow customer service does not see any debt forgiven and transferred me back to Collection Dept. So this process of getting a new account is stuck in limbo. Please have an Executive Team Member stay on the phone with me and fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I received a call from a company called XXXX, phone number : XXXX on XX/XX/23 regarding a debt from XXXX XXXX. I went to XXXX XXXX website and confirmed that th debt was valid and paid it that same day. I called first point back and got to the same lady who called me. I made her aware that the payment was made and provided her with her reference number. Today, XX/XX/23. I received another call from her asking me to pay again. I called XXXX XXXX and confirmed that there was no current balance owed. I called her back and made her aware. A gentleman picked up the phone before and was very rude and combative. He transferred me over to her. I asked her to remove me from their list and to confirm with XXXX XXXX. She stated that she would remove me, but if the balance is not paid.. I reminded her that it was up to her company to validate the debt before calling me back and that I would take legal action should I be negatively impacted for a debt that is already paid. 

I am reporting this because I do not have any confidence that this company will do their due diligence ve to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TX

Complaint narrative:
in according with the Fair Credit Reporting act XXXX  Account # XXXX named XXXX  XXXX, acct # XXXX and XXXX named XXXX XXXX  and XXXX XXXX Account # XXXX also named XXXX # XXXX and Named XXXX XXXX acct # 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 an 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 non-monetary relief
Consumer complaint received 2023-04-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My consumer report contain errors, inaccuracies, and outdated information that can harm my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
I did not and have not ever requested this account and did not receive anything for charges reported. I simply inquired about the terms never accepted any product nor payment plan because I could not agree to terms rendered. I have notified creditors and was informed they would take care of there mistake not worry and then they did nothing and placed in collections on my credit report. I was told to call person whom property I inquired about to make sure they cancelled the rental which I never agreed to rent they canceled I received an email from and did forward to affirm which is company causing me harm. No corporation whats so ever in this matter. No I repeat I did not in any way agree to any contract with either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
XX/XX/2023 was a tough day finding out as I was visiting a relative with XXXX my XXXX XXXX along with my personal belongings including my Vystar Credit Card. Fortunately XXXX was understanding and completely complied requesting that I obtain a Police Report. 

I contacted the XXXX XXXX police department and an theft report along with fraudulent use of my Vystar Credit Union ( They advise 0 % Fraud Liability ). After contacting Vystar at the local office going twice because they added more transactions to dispute then required. The branch manager advised to obtain a Police Report & FTC Fraud report and within 10 days you will have a provisional credit for the loss so it not going to effect my availability. I thanked her and about a week later fax Vystar credit union back office the FTC Report & Police Report information about 5 times as the gentleman at XXXX was having trouble. Nevertheless Vystar was faxed the legal documents that I was originally requesting to send. I need to note this is around 10 days after I originally disputed the fraud.

To retaliate against me because of being victimized by fraudulent charges and because of my age and handicap ; Vystar closed the credit card and revoked my debit card charging capability. 

According to the FTC While the issuer is investigating your complaint, you can withhold payment on the disputed amount and any finance and related charges. But youre expected to pay any part of the bill not in question, including finance charges on the undisputed amount. 

The issuer may not take action against you for using your rights. The issuer can tell the three nationwide credit bureaus ( XXXX, XXXX, and XXXX ) that youre challenging your bill. 

But the issuer cant take legal action to collect the amount youve disputed ( or finance charges ) may not close or restrict your account ( THIS IS WHAT VYSTAR CREDIT UNION DID ) cant threaten your credit rating or report you as delinquent may not require you to pay your full balance immediately cant discriminate against you if, in good faith, you exercised your rights under the law to dispute a bill If your bill has a mistake, the issuer must explain to you in writing the corrections that will be made to your account and remove all finance or other charges related to the error. This plus more falls under the The federal Fair Credit Billing Act.

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 2023-04-07 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: EQUIFAX, INC.
State: GA

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 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 inaccurate.

Attached bellow is my credit report showing the inaccurate accounts. Also, attached shows XXXX  has deleted some of these accounts because they have respect for the law and my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently disputed a 30 day late on my credit report and didn't get a response back.

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 2023-04-07 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: NJ

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc.
State: WI

Complaint narrative:
I have had an altercation with someone I owe as a result of my money being absent at the time I needed to pay someone something. I have been assaulted as a result of the transaction ( s ) pending even though my account did not have enough funds to make the purchase. I exited out of my browser and closed the tabs relating to the creation of the transaction ( s ). Re-entered the browser and went back to the tab after closing them down completely along with the app completely. Now unless you want to ask XXXX if this is true as far as diagnostics go then by all means you have my cooperation and that will be at a separate non-negotiable dealing. Each time I was shown the total to be money ( s ) totaling {$10.00}. I got into altercations in which at I wasnt able to remove myself from the situation because I was pent down and having an XXXX XXXX paired with a XXXX XXXX in my back that restricts my inhalation and I could not remove myself from the situation because my life was being threatened by my body because of the unavailable cash. If I did not faint my chest would have arrested completely without sufficient airflow to my understanding and even then I didnt know if I would wake up or not after. These transactions were made not peer to peer, but was made with their cash card. I do not have a borrow allowance. Cashapp says these transactions were voided, but whether they were voided or canceled by the merchant or the card company after I, the cardholder, already pleaded to have removed and returned was denied. Whilst that was still happening my injuries incurred and are still incurring. Does the company Cashapp deny that at the time of this happening that I was injured and that is because of Cashapp posting cash for these transactions in which was never supposed to be posted in any fashion or reasoning? Cashapp has evaded this question to no avail to Local and Governmental Authorities. This whole ordeal has caused me a great toll of emotional distress and pain and suffering. I want a resolution of {>= $1,000,000} for the Cost of Preventing a Fatality. {>= $1,000,000} for the Emergency Implemented Value of Cost of Averting a Fatality. {>= $1,000,000} for the Value of My Statistical Life {>= $1,000,000} as for what is satisfactory to ( me ) about this situation NON-NEGOTIABLE due upon the acknowledgment that these transactions ever pended. Whether the transaction ( s ) were voided or canceled Cashapp can not deny that the injuries that I incurred occurred because of them and they have let this misery fester to extraordinary lengths. If Cashapp will not admit their blame then XXXX XXXX XXXX will have to corroborate their guilt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX, XXXX and TransUnion have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$36000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$2700.00}

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