vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 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: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX  XXXX XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
I had a HBSC credit card ending in XXXX that had a XXXX balance. We got a statement for charges from XXXX and call the fraud department. HBSC refunded the charges and told us that the balance was back at XXXX. The next month came and the charges were still showing. We called them back again and stated that we did not own and were told that they were canceling the account and we did not owe anything. Well, this month we got hit on our credit report saying that we have a delinquent payment for HBSC charges. When we called them on XX/XX/21, the guy names XXXX stated that we were refunded the fraudulent charges but they keep the finance charges from the fraudulent changes and has accrued late fees to the tune of {$99.00}. They also told us they opened a new account and transferred this balance to a card that ended in XXXX. We told him this was not acceptable and wanted to speak to his supervisor. He would not allow us to talk to his supervisor and hang up on us when we asked for his employee number as we were making a fraud report. This is a fraud as we have talked to HBSC on 5 different occasions to get this corrected. They want to charge finance charges and late fees on fake charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
BBVA was acquired by PNC and I have not been able to access my account through BBVA or PNC. I have called several times over two weeks no one has answered or I have been on hold with the call just ringing. I have called on XX/XX/21, XX/XX/21, XX/XX/21, XXXX. I have tried accessing my account online through both BBVA and PNC. I am still not able to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Credit Control Services Inc Is reporting a fraudulent account on my credit. I dont know what this account is and have repeatedly asked the company to stop the reporting of this account as it doesnt belong to me. Please see the attached FTC report and please stop reporting of this account on my credit

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX an application for a Capital One Venture card was applied for and denied. Amount requested is unknown. 

On XX/XX/XXXX I submitted a temporary fraud alert with all three credit report agencies and froze my account so my credit won't be able to be pulled. On XX/XX/XXXX I called the FBI to report it per my lawyer 's advise. The FBI told me to submit this report and go file a police report which I will be doing by XX/XX/XXXX. 

All information provided was current information that not many people have besides my lawyer, work and my ex who I've been in a ugly custody battle for the 2.5 years whom recently lost a domestic violence case. He's done something similar and used my personal information to sign me up to be an escort on a site. I caught him and confronted him about it but he acted like he didn't do it even with proof. He has an ongoing investigation case that my lawyer suspects him as well for stalking and duplicating his XXXX account to make him look bad and obtain personal information on him. I'll provide more information upon request. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 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: NJ

Complaint narrative:
XXXX XXXX is reporting wrong dates and amounts on my credit reports, I call them and they just act like they dont now what Im not talking about.

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 2021-10-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX is reporting wrong dates and amounts on my credit reports, I call them and they just act like they dont now what Im not talking about.

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 2021-10-18 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: TX

Complaint narrative:
I received an inquiry alert on my credit dating to XX/XX/2021. I was notified through an email sent to me on XX/XX/2021 from my credit card company XXXX. It appears that someone has used my identity to request a loan or credit. The company submitting the credit inquiry is : United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX I have not requested a loan from this company and have not had any dealings with them at all.

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 2021-10-18 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
somebody got ahold of my phone and went on XXXX  and sent them money to themselves and messed my account up and i told my bank and they dont believe me and making me pay XXXX to this third party agency they keep calling me in the morning while im at work and this account was deleted and added back on to my credit report and it hurting my report from taking it off and putting it back on i dont want this on my credit report if you cant proof to me this 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 2021-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Larry H. Miller Group of Companies
State: CA

Complaint narrative:
I am a low income minority customer. I went to Larry Miller XXXX in XXXX XXXX, CA. They high pressure steered me into a XXXX XXXX XXXX, which was worth $ XXXX at best. They had me finance $ XXXX. 
Here 's the problem : I make {$15.00} an hour and they lied on my credit application and said that I make $ XXXX per year in order to get me approved for a 25 % interest subprime loan with XXXX XXXX . Yes, the dealership lied about my income to get me approved for a loan. On top of that, turns out XXXX is in on the whole scheme. XXXX XXXX business model revolves around issuing predatory auto loans that their own data shows 70 % of customers will default on. Their own data shows they are ruining the lives of minority customers. XXXX is fully aware that dealers routinely lie about their customer 's income to get them approved for these fraudulent loans. 
Both the dealership and XXXX are engaging in abusive harmful practices. The CFPB must act and shut XXXX down and sue these car dealers that are pushing their customers into abusive and fraudulent auto loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
Hello, I had used XXXX phone number between XXXX and XX/XX/XXXX. I was valuable customer and paid all the bills on time. Before cancelling the service, i contacted with one of the representatives and requested to cancel my service and made sure everything was fine at that time. Then after cancelling my service, until now i have received bills to pay and now even collection company named Source Receivables Management has still been calling me to pay for the service of XX/XX/XXXX. At that time i had already cancelled my service with the company and did not even use one day of service. I tried to explain that i had already cancelled when the collection company called me but they just told me to pay money for the service I did not get. I tried to contact with XXXX company to figure out whats going on and they asked me to pay different amount of money for different duration of billing period than collection company. Therefore, I can verify that I am still receiving bills from XXXX company even though I stopped service over a year ago. This XXXX company gave my information to another debt collection company besides this one too. I have email from that company. 

Please help me figure out what is happening. 

Thank you so much for your time and consideration

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: OR

Complaint narrative:
ALL of my XXXX XXXX loans are closed and discharged in full under the closed school discharge. It took a previous CFPB complaint to get XXXX to properly close loan number 4 out. That one is fixed, however they are still reporting all loans open with full balances on my credit reports. I emailed them a couple of weeks ago asking when they were going to update it as they have updated the UoP ones that I am paying on but conveniently have left these still showing a $ XXXX balance when it should all be closed and {$0.00} and they ignored it.

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 2021-10-18 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: EQUIFAX, INC.
State: OR

Complaint narrative:
ALL of my XXXX XXXX loans are closed and discharged in full under the closed school discharge. It took a previous CFPB complaint to get XXXX to properly close loan number 4 out. That one is fixed, however they are still reporting all loans open with full balances on my credit reports. I emailed them a couple of weeks ago asking when they were going to update it as they have updated the UoP ones that I am paying on but conveniently have left these still showing a $ XXXX balance when it should all be closed and {$0.00} and they ignored it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
ALL of my XXXX XXXX loans are closed and discharged in full under the closed school discharge. It took a previous CFPB complaint to get XXXX to properly close loan number 4 out. That one is fixed, however they are still reporting all loans open with full balances on my credit reports. I emailed them a couple of weeks ago asking when they were going to update it as they have updated the UoP ones that I am paying on but conveniently have left these still showing a $ XXXX balance when it should all be closed and {$0.00} and they ignored it.

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 2021-10-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Vehicle loan or lease — Loan
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: FL

Complaint narrative:
I initially financed my XXXX  XXXX XXXX through Hyundai Motor Finance. In XX/XX/2021, I decided to refinance with my current credit union. My credit union paid off Hyundai 's loan on XXXX XX/XX/2021. It is now XXXX XX/XX/2021 and the Hyundai is still reflected as lienholder. I called Hyundai several times in XXXX, several times in XXXX, XXXX XXXX, and again on XXXX XXXX. When I called in XXXX, I was told that they'd send a message to the title department to release the title. I explained that this is Florida, and they have to electronically release the lien. I was told it would take 3-5 days each time I called. My credit union even three way called Hyundai in XXXX to explain the process. They advised Hyundai that it should only take 24-48 hours to do this, and again, we were promised it would be done. On the calls in XXXX and XXXX, I asked to speak with a manager, who told me the same exact things. I was promised it would get done. On XXXX XXXX, I spoke with a rude " manager '' who tried to tell me how it work, saying they just have to send a release in the mail. And when I visited the DMV today, they told me that is NOT how it works. They HAVE to call the state of Florida to release themselves as lienholder and there is nothing anybody can do until that is done. I called Hyundai again today, XXXX XXXX, after my DMV visit and the manager was never available to speak with me. The representative kept saying she would send another release in the mail to my credit union but this isn't what needs to be done. I only need someone to release the title electronically since it is the state of Florida. Meanwhile, I continue to receive notifications from my current credit union because they haven't received a title yet. It is frustrating and shouldn't take this long for something that literally should only take 24 hours.

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 2021-10-18 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
From XX/XX/XXXX, XXXX XXXX, XXXX my credit card with Bank of America was physically used at locations in the surrounding XXXX area as well as across state lines. I did not physically or knowingly make these purchases. My credit card was stolen. I was not notified of these transactions by Bank of America, but I discovered them when I went to pay my monthly bill on XX/XX/XXXX. I have filed a fraud dispute 4-5 times, and have received the same response each time, " As you requested, we completed a re-evaluation of your credit card dispute for {$3700.00} - unfortunately, our decision to decline your fraud claim for this transaction ( s ) hasn't changed. '' I filed a police report with my local jurisdiction on XX/XX/XXXX to report my credit card stolen per Bank of America 's suggestions. My case was suppose to be escalated in XX/XX/XXXX, but I haven't heard or received anything from Bank of America. They continue to charge me interest and expect me to pay the balance. My phone records and computer logins can prove that I was locked down ( per Texas government 's recommendation ) in my house while these purchases were being made in person by someone who was not me or anyone in my family. I have contacted the individual vendors, but they can't release any video footage to me. It must come from an investigative service or the bank.

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 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Throughout XXXX and XXXX two individuals with a strong hindu accent called my mobile number asking for personal information for collection purposes on behalf of Credence Resource Management , LLC. 
Since they refused to give any information about the debt, on XXXX I ", I LAWFULLY REQUESTED THE DEBT VALIDATION BE IN THE FORM OF A NOTARIZED STATEMENT BY A PERSON WITH ORIGINAL KNOWLEDGE OF THE DEBT AS IT WAS CONSTITUTED AND WHO CAN TESTIFY THAT THE DEBT WAS INCURRED LEGALLY ''. 
They finally were forced to send me information and when checked with the XXXX XXXX, XXXX XXXX XXXX, said this was an old invoice for a my wife that was fully paid, and therefore did not know why they were contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 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: OH

Complaint narrative:
I have an account showing on my credit report that I never owed a debt to adn it was never in collections from SOC SEC ADMIN OFFICE XXXX. I need this error corrected at once. I am in the middle of closing on a new business contract for my XXXX XXXX company and this inaccurate account item is stoping my from doing business.

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 2021-10-18 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: OH

Complaint narrative:
I have an account showing on my credit report that I never owed a debt to adn it was never in collections from SOC SEC ADMIN OFFICE XXXX. I need this error corrected at once. I am in the middle of closing on a new business contract for my XXXX XXXX company and this inaccurate account item is stoping my from doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: OK

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation