vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am disputing the multiple late charges that appear on my credit report. Infractions were no fault of my own. These were all consequences as a result of the XXXX. I made every attempt to pay my debts on time, but the odds were against me. I always kept my accounts in good standing. If you view my payment history, you will discover that I was never late. As a result of the pandemic, My company where I was employed down sized. And as a result of that, my hours changed from full time to part time. This went on for almost a year. I had exhausted all of my savings just to survive. I was behind in my rent constantly. Almost lost my apartment twice. Fortunately, my landlord understood and was very lenient with me. He was struggling also with other tenants. I gave him what little I could spare, but that's all I could do. This was the worse predicament I've ever been in. This virus was affecting millions. I'm sure some of you felt the effects of it. If you didn't, you were just one of the lucky ones. I did not know what my next move would be. I literally prayed which is something I did not do a lot of before. Fortunately, after a year, I got my regular working schedule back. Now I'm just trying to put the pieces back together.I know I have a long way to go.

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 2022-01-28 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:
I acquired a copy of my credit report and discovered the following item ( s ) to be incorrect ; also, the following are in violation of the Fair Credit Reporting Act ( FCRA ).

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 2022-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Got a call from new york ( XXXX ) XXXX. They said they were from a settlement company a law office and if I didnt pay the settlement that I could be arrested as soon as tomorrow that I would lose my job I would go to jail and it would be reported to the credit bureau XXXX They said I had to buy a XXXX XXXX so I can pay them because that is all they took the settlement was for {$400.00} I went to the nearest convenience store to buy the XXXX XXXX gave them the information.Then I looked up the law firm and it came up as a scam I quickly use the {$400.00} for something else to use the money since I can not take it out at the ATM the XXXX XXXX prepaid card is in zeros now. I also got instructions to take a picture of the card front and back and the receipt and send it to XXXX XXXX phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The problem is on two sides. It rests with both Experian and XXXX XXXX XXXX. On the XXXX XXXX XXXX XXXX, they had not reported anything to my credit report since XXXX. However, I was trying to clean up my credit report and I noticed there was an unpaid debt on there from a totaled XXXX XXXX XXXX XXXX that I missed a payment on. 

After settling the debt with XXXX XXXX XXXX in XXXX of XXXX, they didn't just report to Experian that I settled the debt. They also reported that it was in a state of charge-off, which they had not reported for 4 whole years prior. This wouldn't ordinarily be an issue, except XXXX has taken it upon themselves to convince Experian that this charge-off happened in the months of XXXX and XXXX of XXXX, which is wildly incorrect. This debt was owed for a very long time before I paid it off. There is no way it became charged-off RIGHT AS I PAID IT OFF. 

I have tried multiple times to dispute this with both Experian and with XXXX XXXX XXXX to no avail. With my last attempt to dispute this, I explained in a very detailed manner why and what was at issue to the Experian personnel, and they said the report was updated BUT NOTHING HAS CHANGED. 

I have run out of options. Despite my otherwise decent credit report and attempting to do the right thing in this circumstance, the recency of this alleged charge-off has prevented me from obtaining any other forms of credit that I very much need to acquire ( an auto loan, and a debt consolidation loan- both rejected because of this erroneous and punitive charge-off entry in 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 explanation
Consumer complaint received 2022-01-28 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:
I acquired a copy of my credit report and discovered the following item ( s ) to be incorrect ; also, the following are in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Open loan XX/XX/XXXX amount {$20000.00} XXXX  months / {$640.00} / month period XX/XX/XXXX to XX/XX/XXXX paid {$640.00} transaction amount on the term of contract no delinquency no late fee. 
period XX/XX/XXXX paid and full the loan {$12000.00} ( overpaid {$64000.00} ) account current payment satisfactory, no delinquency no late fee no past due. 
paid the loan on XXXX  months current on XXXX  month therm. loan current every month. 
period XX/XX/XXXX to XX/XX/XXXX current. 
the CoXXXX HUNDAY MOTOR FINANCE report my delinquency late payment charge off on XXXX, XXXX and XX/XX/XXXX to XXXX credit agency credit report. XXXX, XXXX and XXXX. The Co. promise of correction nothing came. 
I lost XXXX point for false report from HUNDAY MOTOR FINANCE. 
I contact the Co. on the phone promise of correction to fix the problem. Nothing came. 
I contacted from dispute the XXXX credit agencies with additional proven documents. my problem if not fixed date XX/XX/XXXX. 
the Co. HUNDAY MOTOR FINANCE return to me the overpayment {$640.00} on XX/XX/XXXX. is never correct the problem of late payment on the XXXX Agency. 
I am current loan pay satisfactory and no charge off delinquency late payment

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 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX, I purchased XXXX ( XXXX ) $ XXXXdollar Visa prepaid cards issued by U.S. Bank in XXXX XXXX XXXX located in XXXX XXXX , CA XXXX . I registered all cards with my personal info right after the purchase. However, after XXXX minutes when I tried to use them for holidays shopping in the store, all cards have the damaged magnetic stripe which totally can not be used anymore. I immediately called XXXX and reported the issues with XXXX agents named " XXXX  '' and " XXXX  '' around XXXX - XXXX. Meanwhile I requested the replaced cards. 

It took a month to receive the new cards with my full name on it. On XX/XX/XXXX I tried to activate XXXX cards with XXXX agents and realized every single card has XXXX balance on it. I spent over XXXX minutes waiting for the right agent to help solve the issues. By around XXXX my call was finally transferred to a specialist named " XXXX XXXX who is willing to help. With another hour phone conversation, I was told all cards were compromised and used up in XXXX store and XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is the reason the new replaced cards mailed to me have no balance. 

I made the very very clear conversation with those XXXX agents on XX/XX/XXXX that all three cards were damaged and not possible to be used in the store. The cards need to be void and empty with XXXX balance after requesting the new card mailed out. Also, the old cards were registered with my detail personal info on XX/XX/XXXX so I really do not think I have to be responsible for those fraudulent unauthorized transactions during XX/XX/XXXX and XX/XX/XXXX before receiving the new cards. 

The following are XXXX cards ID info provided by the agent. 

# XXXX, XXXX # XXXX, XXXX # XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Received in mail several letters about opening credit cards in my name that I did not do. There were several including Amex, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX card, XXXX XXXX XXXX. I looked up my XXXX  credit report and found all of these inquirers. I have put a freeze and a fraud alert on my XXXX credit report. I was advised by the XXXX agent to report this to FTC, which web site directed me here. There was also a bank account opened under my name at XXXX XXXX XXXX XXXX. I have contacted them and had that account closed. 

I would like to know if there is anything else I need to do to protect my identify and prevent any future fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 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: FL

Complaint narrative:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

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 2022-01-28 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: NY

Complaint narrative:
Whom It May Concern : Pursuant to 15 uS 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 uSg 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. You guys have unauthorized use of consumer transaction and also refused to disclose to an consumer their information on file and its history. Its illegal to withhold consumer information upon request. I DEMAND TO CEASE AND DESIST ALL ILLEGAL REPORTS FOLLOWING. 

* ALL EMPLOYMENT ( XXXX XXXX XXXX ) * ALL inquiries unauthorized to furnish * REMOVE ALL COLLECTION HISTORY and keep the amount on file * INVOICE {$1000.00} per individual action

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 2022-01-28 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:
Hello, I am writing to file a complaint against the Credit Bureaus for numerous FCRA violations on my credit report. First is for XXXX XXXX Bankruptcy. For one, the information reporting is incorrect. The date file isn't consistent across the board and its showing the incorrect court name. If I am correct under FCRA everything reporting has to be 100 % accurate. I have sent over 6 rounds of letters and they have ignored my request which is a violation. Also, I reached out to the courthouse and they advised they DID NOT release my personal information out so they have lied about their method of verification. I am upset the credit Bureaus are falsely verifying and reporting this! Delete this from my credit report as once because I have the right to exercise rights as a consumer and challenge any negative item on my 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 2022-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it. Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Fact, XXXX is aware and has proof in attachment labelled as Exhibit A that XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE is in violation of 15 USC 1605 ( a ) ( c ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligor 's loss, and or property damage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, did not include my insurance in my finance charge. Fact, XXXX is aware and has proof in attachment labelled as Exhibit B that XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, in fact XXXX cash as shown in attachment labelled as Exhibit B. Fact, XXXX is aware and has proof in attachment labelled as Exhibit C that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, in fact called my telephone over 19 times with the intent to annoy, abuse or harass me, under the provisions of 15 USC 1692 ( d ). SOUTHEAST TOYOTA FINANCE, in fact called me numerous times in an attempt to collect a debt. Fact, XXXX is aware and has proof in attachment labelled as Exhibit A and Exhibit B that XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, is in violation of 15 USC 1611. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civil and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I have sent out letters to the creditor they have not responded the credit failed in validating the debt prior to reporting it on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: TX

Complaint narrative:
Hello, I am writing to file a complaint against the Credit Bureaus for numerous FCRA violations on my credit report. First is for Chapter 13 Bankruptcy. For one, the information reporting is incorrect. The date file isn't consistent across the board and its showing the incorrect court name. If I am correct under FCRA everything reporting has to be 100 % accurate. I have sent over 6 rounds of letters and they have ignored my request which is a violation. Also, I reached out to the courthouse and they advised they DID NOT release my personal information out so they have lied about their method of verification. I am upset the credit Bureaus are falsely verifying and reporting this! Delete this from my credit report as once because I have the right to exercise rights as a consumer and challenge any negative item on my report,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: TX

Complaint narrative:
Hello, I am writing to file a complaint against the Credit Bureaus for numerous FCRA violations on my credit report. First is for Chapter 13 Bankruptcy. For one, the information reporting is incorrect. The date file isn't consistent across the board and its showing the incorrect court name. If I am correct under FCRA everything reporting has to be 100 % accurate. I have sent over 6 rounds of letters and they have ignored my request which is a violation. Also, I reached out to the courthouse and they advised they DID NOT release my personal information out so they have lied about their method of verification. I am upset the credit Bureaus are falsely verifying and reporting this! Delete this from my credit report as once because I have the right to exercise rights as a consumer and challenge any negative item on my 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 explanation
Consumer complaint received 2022-01-28 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: GA

Complaint narrative:
Unauthorized accounts that I never opened are being reported : XXXX XXXX Opened : XX/XX/XXXX {$2500.00} XXXX & XXXX Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation