vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone : XXXX XX/XX/XXXX Experian Subject : Cease and Desist Regarding Inaccurate Reporting of Account Details XXXX ( Account No. XXXX ) Dear Experian, I am writing to formally dispute and request a cease and desist regarding the inaccurate reporting of the above-referenced account on my credit report. The information being reported is erroneous, incomplete, and unverifiable. Below are the details of the account as reported : Account Name : XXXX Account Type : Sales Contract Date Opened : XX/XX/XXXX Current Status : Closed/Account Charged Off Reported Balances : {$84.00} written off Paid Off : {$0.00} ( Balance as of XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Original Balance : Not specified Terms : 6 Months Additional Notes : Purchased by another lender Cease and Desist Order Under the Fair Credit Reporting Act ( FCRA ), I demand that Experian immediately cease and desist from reporting inaccurate or unverifiable information regarding this account. Specifically, the following discrepancies must be resolved : XXXX. The reported charge-off and written off balance conflict with my payment records and account activity. 
XXXX. The status purchased by another lender lacks necessary verification or details regarding the sale or transfer of the account. 

Supporting Documentation I have attached the following documents to support my claim and validate my identity : XXXX. A copy of my FTC identity theft report, confirming the issues related to my credit reporting. 
XXXX. A copy of my passport, serving as proof of identity. 

Request for Immediate Action I request that Experian take the following steps without delay : XXXX. Investigate the accuracy of the account details and verify all reported information with XXXX and the alleged new lender. 
XXXX. Remove or correct any inaccurate, incomplete, or unverifiable information related to this account. 
XXXX. Provide me with a full written summary of your findings and updates to my credit report. 

Notice of Rights If these inaccuracies are not addressed within the legally mandated 30-day timeframe, I will file formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and other regulatory agencies. Furthermore, I reserve the right to seek legal action for damages caused by the continued misreporting of inaccurate information. 

Please confirm receipt of this letter and respond promptly with the results of your investigation. You may reach me directly at XXXX or XXXX for further correspondence. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and XXXX data breach, which adds to my worries about the safety of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found
State: TX

Complaint narrative:
On Tuesday, XX/XX/year>, 2 unauthorized fraudulent transactions were made to my account. XXXX by XXXX for {$710.00} and the other by XXXX for {$88.00}. I immediately called the bank, Found, since these were fraud and they told me to just submit a dispute via the App. I did, but it appears that while the transactions are " pending '' the dispute does not go through. The transaction was completed on Thursday, no " pending '' anymore and that is when I realized the dispute was not in effect. So I submitted the dispute again for both. On Friday I was informed by the bank to contact the sellers. The problem was when I contacted the seller, XXXX, who could not refund me because I did not have the ticket number and XXXX could not find proof of the transaction and gave me a bogus email to send the screenshot of my bank. I tried calling again XXXX and spoke with a supervisor since the email, was incorrect and customer service declined my request. The risk department at Found wants the " chat '' or " emails '' which I have not had since I called. I am surprised that after calling the bank and informing them these transactions were fraudulent they allowed the transactions to be completed 48hrs later. Also, the fact, compared to other banks, their fraud department seems to not be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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 was involved in a car accident on XXXX On XXXX  my vehicle was considered a total loss. XXXX made a settlement payment to Kia Finance in the amount of {$13000.00} which cleared and posted on XX/XX/year>. My extended warranty , road hazard, and tire and wheel protection was cancelled and refunded to my Kia account in the amount of {$2800.00} on XX/XX/year>. XXXX insurance made a settlement payment of {$13000.00} which cleared and posted to Kia Finance on XX/XX/scrub>XXXX 

Kia Finance closed my account as paid in full. The company sent me a letter advising such and reported to all three credit bureaus that my account is closed and paid in full. 

Kia notified me that my account had an overpayment amount of {$620.00}. Kia Finance mailed me a check in the amount of {$620.00} dated XXXX I received the check in the mail on Friday, XX/XX/year> and deposited the check into my XXXX XXXX account on Monday, XX/XX/scrub>XXXX As of today, XX/XX/scrub>XXXX  XXXX XXXX advised that the check made from Kia Finance was voided and returned. 

My XXXX XXXX account is now in the negative and I have to pay a returned check fee. 
I called Kia Finance today ( XX/XX/scrub>XXXX  ) and the customer service representative advised the original dealer ( XXXX XXXX ) notified Kia Finance recently that the extended warranty was voided, and the funds should be returned to the dealer. 

As a result, Kia Finance voided the check made to me, ( after I already deposited it in my bank account ) causing an adverse impact to me as a customer without any proper notice. Now, my bank account is impacted, and Kia Finance is now stating my account is not paid off as previously reported.

The error, if any, solely lies within the hands of Kia Finance and the company needs to clear the check they issued to me.

I requested to speak with someone within the legal and/or finance department and was refused by the escalation representative, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I was sued by LVNV Funding LLC on XX/XX/XXXX, in the Iowa XXXX XXXX for XXXX XXXX XXXX. A judgment was entered against me for {$1000.00}, which has now increased to {$1200.00} as of XX/XX/XXXX. At the time of the lawsuit, I was unaware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

After learning of my rights, I submitted a written request for validation of the debt to Resurgent Capital Services, which manages the account for LVNV Funding. In response, they sent a letter with basic account information but failed to provide sufficient validation as required by 15 U.S.C. 1692g ( b ) of the FDCPA. Specifically, they did not provide : A copy of the original credit agreement with my signature. 
Proof of ownership, such as the bill of sale or purchase agreement between XXXX XXXXXXXX XXXX ( the original creditor ) and LVNV Funding LLC. 
A detailed accounting of the alleged debt. 
Without this documentation, there is no legal or factual basis for LVNV Funding LLC to claim that the debt is valid, that they own it, or that I owe the amounts stated. Reporting such unverifiable information to credit bureaus also violates the FCRA ( 15 U.S.C. 1681s-2 ( b ) ).

I am requesting that the CFPB intervene to ensure Resurgent Capital Services and LVNV Funding LLC comply with federal laws by : Validating the debt with all required documentation.

Removing any unverifiable or inaccurate information from my credit reports.

Resolving this matter in good faith, as I plan to file a motion with the court to revisit this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I placed an order off XXXX. They used XXXX  as the shipper. XXXX marked my package as delivered and the photo of delivery was inaccurate. XXXX later intercepted the package again and the delivery notification was taken off and on the tracking it said we have your package we will contact shipper for the next steps so I contacted XXXX and the package not being delivered and the delivery time frame had passed. They said they couldnt do anything because the package had been marked delivered already when clearly it had been unmarked. I later contacted Navy federal to whom was my bank for this transaction I submitted a dispute with all proof of no delivery and proof that XXXX lost my package. Navy federal denied my dispute within 2 days. Now Im out of my merchandise and my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA

Complaint narrative:
HSBC has been a NIGHTMARE to deal with regarding my XXXX XXXX XXXX income being deposited when HSBC receives my deposit. My XXXX has been sitting in the pending status since XX/XX/year>. My XXXX XXXX XXXX is guaranteed government monies. HSBC holds on to those funds to get interest on monies at the 1st of the month.

I am a Master Accountant and I know the Money Game!! 
Last month I called on XX/XX/year> and my XXXX XXXX XXXX  was released XX/XX/year>. 
The Chat and Phone Representatives need further Coaching regarding the LIES that are Spewing to HSBC Bank Customers. 
I am so XXXX  and Frustrated with HSBC Bank. 
However I will No Longer have this problem as I spoke with Social Security and I have changed my Direct Deposit to my other bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After going through my credit profile I realized there were some inquiries that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my report and saw some inquiries from creditors that I never approved. I'm worried these might be tied to identity theft or fraud. Could you please look into these inquiries and take them off my credit report if they can't be confirmed as authorized? I've attached my letter to the Bureaus, but those inquiries are still showing up on my current 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 2024-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
I am trying to get accurate and current qualifying payment counts for my two consolidation loans from studentaid.gov and Federal Student Aid. They keep saying they are updating payment counts. My account updated XX/XX/XXXX and was missing my payments made on XX/XX/XXXX and XX/XX/XXXX. I contacted Federal Student Aid and they said I should submit an employment verification and that could trigger the payments to be recounted and show up on my account. The representative said that had worked for other borrowers. They had no record of my XX/XX/XXXX payment and my XX/XX/XXXX payment. I verified with my loan servicer that these payments were made. My servicer, XXXX, informed me they update the XXXX XXXX XXXX XXXX XXXX every week and that my payment information is in the database. I checked my XXXX file on studentaid.gov and the payments are in that data. 

I submitted the employment verification request on XX/XX/XXXX and it was processed XX/XX/XXXX. The payments from XX/XX/XXXX and XX/XX/XXXX are STILL not in my XXXX  payment tracker. I followed the steps given to me by the FSA representative and it still didn't update. Other borrowers have had their payments updated this way. It seems arbitrary and capricious as to why this is working for some borrowers and not others. I asked what I should do to get an updated payment count via customer service chat on XX/XX/XXXX. That rep said " they are continually updating counts and the adjustment will be made by the end of the year ''. I've been getting that line from them since XXXX. We are owed TIMELY and ACCURATE updates to our XXXX  progress. They should not be two months behind. They have had months to fix their system so it updates accurately. 

I submitted a XXXX  reconsideration request with documentation showing I made qualifying payments on XX/XX/XXXX and XX/XX/XXXX. However, they are denying requests according to many borrowers in help groups saying that they are systematically updating accounts. This does not seem " systematic '' given that some people have accurate counts and others do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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