vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
My husband ( now deceased ) and were leasing a XXXX XXXX and XXXX. I moved from XXXX XXXX to XXXX  and am trying to register my car, the XXXX. Because my husband 's name is on the lease, The XXXX Registry can not register the car until it is removed. I started contacting Hyundai Motor Finance on XXXX first with a letter mailed to them stating that I needed my husband 's name removed and the address changed on the lease. This is per the Registry. Hyundai Motor Finance does have a copy of the Death Certificate which I had sent them after he passed away. They did close out the Lease on the XXXX but did not remove his name from the XXXX. I called Hyundai Motor Finance multiple times and never received a callback. On XX/XX/XXXX, I went on their website and sent chat messages to them as well. They did not respond back. I have a more accurate telephone number now and have talked to 3 different people that have written down everything and forwarded to the Back Office Team. I was supposed to get a call back withing 5 to 7 business days but never did. I called again yesterday, XX/XX/XXXX, and spoke to XXXX and she assured me that she was submitting the paperwork again and to call back either today or next Tuesday which is XX/XX/XXXX. I called back today and she checked and still nothing has been done. She said that I can call every day to see if the changes have been made and if paperwork had been submitted to the Registry. My car needs to registered before the end of this month which is next Monday. After that I could get stopped for not having it registered properly. I need my car to do grocery shopping and doctor 's appointments. Each time I talked to a person, I asked what they needed from me and did exactly as they asked.

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 2022-02-24 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: TX

Complaint narrative:
XXXX is reported on my XXXX, Equifax, XXXX XXXX. I have disputed multiple times without any change. pl\Please remove the incorrect item from all three bureaus. 

XXXX XXXX is listed on my XXXX and Equifax in error. I have also disputed with XXXX and Equifax with no results. Please remove these incorrect items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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:
XXXX  is reported on my XXXX, XXXX, XXXX Experian. I have disputed multiple times without any change. pl\Please remove the incorrect item from all three bureaus. 

XXXX XXXX is listed on my XXXX and XXXX in error. I have also disputed with XXXX and XXXX with no results. Please remove these incorrect items.

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 2022-02-24 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: LA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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:
In Accordance to the fair credit reporting act US Department of education account # XXXX and account # XXXX violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report Pursuant to 15 usc 6802 a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now the proper notice is that the financial institution may not disclose nonpublic information to a nonaffiliated third party unless the financial institution clearly discloses to the consumer in writing or in electric form. The consumer is given opportunity to accept or deny. I am here to say that I have never been given any proper notice to give US Department of Education permission to share my information with you therefore this is identity theft and you are both violating federal law and I am demanding deletion from them In Accordance to the fair credit reporting act XXXX XXXX account # XXXX violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report This is being illegally reported because I am the original creditor for this transaction. I entered into a credit sale and I was forced to put money down which is illegal pursuant to 15 usc 1605 as finance charges are sum of all charges and cash can not be involved., any creditor who fails to comply with any requirement imposed under XXXX, in the case of an individual action, the creditor will be liable for twice the amount of any finance charge and any actual damage sustained by the creditor XXXX XXXX as a result of the failure.

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit Report is showing inaccurate information. I have reached out the the reporting agencies ( XXXX, Transunion XXXX XXXX ) Several times to have this issues resolved. The only response I receive is the dispute has been completed and the account has been verified. 
All 3 reporting agencies are showing different : 1. Account Opened Dates 2. Account Activity Dates 3. Payment Status Dates This account has been re-aged by the credit bureaus and this is a major violation.

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard iquiry i did not authorize contacted company and got nowhere with them XXXX XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX bank i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: TN

Complaint narrative:
XX/XX/XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX i did not authorize XXXX company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them suburban ford XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard iquiry i did not authorize contacted company and got nowhere with them XXXX XXXX  XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXXXXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them

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 2022-02-24 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: TX

Complaint narrative:
Please DELETE the Inaccurately Reported Personal Information listed below! 
DELETE - XXXX XXXX XXXX DELETE - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX DELETE - XXXX XXXX XXXX XXXX XXXX IL XXXX DELETE - XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DELETE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX DELETE - XXXX XXXX XXXX DELETE XXXX XXXX DELETE - XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DELETE XXXX XXXX XXXX  ON XX/XX/XXXX DELETE - XXXX XXXX  ON XX/XX/XXXX DELETE - XXXX XXXX ON XX/XX/XXXX DELETE - XXXX ON XX/XX/XXXX DELETE XXXX XXXX  ON XX/XX/XXXX DELETE - XXXX XXXXXXXX XXXX  ON XX/XX/XXXX DELETE - XXXX  XXXX XXXX ON XX/XX/XXXX DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX  DELETE - XXXX XXXX DELETE - XXXX  XXXX XXXX DELETE - XXXX  DELETE - XXXX XXXX DELETE - XXXX XXXX XXXX  DELETE - XXXX XXXX-REPORTED DELETE - XXXX XXXX  DELETE - XXXX XXXX DELETE - XXXX XXXX XXXXY XXXX DELETE - 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 non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
Lexis Nexis, a fraudulent consumer reporting company has reported me as dead to one of its clients -- XXXX XXXX, a sports betting company. Clearly I am not dead, since dead people can not file complaints. Also the report I requested from Lexis Nexis ( 140 pages long ) contains information which is incorrect, It lists me as a resident and homeowner at two addresses where I NEVER LIVED!!! How does these incompetent, corrupt predators get away with this. Is there no government oversight???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: AZ

Complaint narrative:
The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2022-02-24 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: TX

Complaint narrative:
This is XXXX XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX, XXXX XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXXXX XXXX Balance {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: MN

Complaint narrative:
on about XXXX I noticed that there was a collection account on my credit report : Account Resolution Services ( ARS ) on my XXXX and XXXX credit report. I called XXXX and reported that this account was not my account and that I never conducted any business with ARS, and that ARS should be removed from my account. To my surprise XXXX removed ARS off of my credit report. 
XXXX I sent a Certified letter to XXXX and ARS at XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX asking ARS to validate that we had any contractual agreement, or that I did any business with ARS. I have yet to receive a response from Account Resolution Services. About a week later ARS was back on my credit report. 
I called XXXX and reported that ARS was back on my credit report, this time XXXX did not remove ARS off of my credit report and told me that they could not remove ARS as of before. 
I also sent certified letter to XXXX on XXXX Disputing Account Resolution Services. 
I called XXXX and requested that ARS be removed from my credit report and that ARS actions are having a negative impact to my financial livelihood.

Due to the erroneous actions of ARS I am unable to obtain loans and I am unable to refinance my property.

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 2022-02-24 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: AZ

Complaint narrative:
The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Transworld Systems Inc is trying to collect XXXX from me claiming I was part of XXXX XXXX for University XXXX Louisiana at XXXX. 

Has me being apart of a fraternity for 4 years. But for XXXX years I didnt go to that university. 

I went to a community college so I couldnt be allowed to participate in the fraternity. 

Seems this is a failure on the college kids running the organization. 

I can provide documents showing when I went to immunity college

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION XXXX XXXX DATE:XXXX XXXX XXXX  DATE:XXXX  XXXX  DATE:XXXX XXXX XXXX XXXX DATE:XXXX XXXXXXXX XXXX DATE:XXXX XXXX XXXX XXXX DATE:XXXX XXXX XXXX  DATE:XXXX XXXX XXXX XXXX DATE:XXXX XXXX XXXX DATE:XXXX XXXX  DATE:XXXX customer service department did not help remove the negative inquiries that are reporting on my credit report.

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 2022-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Please reference complaint ID XXXX. 

I do not know why this was closed as it has not been resolved. 

I had a deduction from my checking account on XX/XX/2022 in the amount of {$16.00} for a finance charge for the loan I never took out. 

No where in their resolution document do they address the funds taken from my account. 

Additionally when I first reported the loan in my name that I never signed for, I was told by someone who identified himself as a high level individual within Bank of America he stated that after the notary types in a code that there is no stopping a loan from funding. I asked him why they dont just make a phone call after a scheduled signing to ensure everything went well and then you would never have this issue again. 

This leader within Bank of America stated that they are just too busy with all the loans right now to make a phone call. I was shocked that their initial response was to say they were too busy to correct a major financial issue from reoccurring. I do not see anything related to how this issue will be corrected in their response and closing documents. 

Additionally, after initially reporting the loan that was opened without any signatures to Bank of America and asking them to stop moving forward with anything else regarding the loan until they figured out what went wrong, they proceeded to run my credit report again causing inaccurate data to the credit agencies. Again, like the funding of the loan I did not authorize Bank of America to run my credit report again. 

What has Bank of America done to ensure new loan applications are not opened manually by a bank employee without obtaining authorization from the applicant? Who is this individual that opened this new application manually? 

In their response and closing they simply say they will work on correcting my credit report after I complete a new loan with them. I want this and all other matters resolved before closing this complaint. 

How can a complaint like my initial complaint be closed without resolution of all the issues related to the illegal opening of a loan in my name? Why didnt someone from Bank of America call me prior to closing this complaint and ask of everything was resolved?

A simple check of debits/credits from the HELOC and my bank account would have found this {$16.00} in interest charges. Bank of America has multiple compliance issues relating to my single loan.

Im also asking to escalate my complaint to the next level and if possible to a congressional level.

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