vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: NC

Complaint narrative:
On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX XXXX NC to purchase a new XXXX XXXX XXXX. The loan was written with Hyundai Motor Finance and include GAP insurance. On XX/XX/XXXX I traded in the above XXXX XXXX XXXX and the loan was paid off in the amount of {$48000.00} on XX/XX/XXXX with no additional balances owed. I began contacting both XXXX XXXX of High Point and Hyundai Motor Finance to cancel the optional GAP insurance product to receive a prorated refund and I have not received any solution. Multiple emails ( 2 ) and calls/voicemails ( 10 ) were made or sent to XXXX XXXX beginning XX/XX/XXXX that went unanswered until XX/XX/XXXX, which is when I was contacted by XXXX that he could assist. I signed the required documents that day and the request was submitted. Contact History attached Both of these businesses have continued to play the telephone game with Hyundai Motor Finance knowing nothing about GAP refunds and each keep telling me to contact the other and I have since been told by XXXX at XXXX XXXX that the insurance has been cancelled however funds can not be released to me even though I am entitiled to the refund. I have been advised that they are waiting on direction from Hyundai Motor Finance on how to distribute the funds, however as of XX/XX/XXXX they have not received a response to their submission on XX/XX/XXXX. I inquired as to why no one has reached out to Hyundai Motor Finance and I was told that they are watching it in an online " portal '', I assume like watching paint dry. Neither company is doing their due diligience to ensure the refund is being provided to me in a timely manner which is creating harm. I was told by XXXX that the refund has to go back to Hyundai Motor Finance so they can then in turn return the money back to me however that has not been done. So I requested the check directly since the loan is paid in full and Hyundai is no longer owed any funds. I have technically paid the GAP to Hyundai Motor Finance in full and am due the funds directly. I am unsure as to why there needs to be funds sent to a loan that is now closed.

I have been told by other Hyundai dealerships that Hyundai Motor Finance does not handle GAP refunds at this time and should go back to the initiating dealer. XXXX XXXX seems to be the only dealership that is not aware and is making it difficult. I feel at this point they are hoping I forget and they can keep the money that is owed to me.

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 2024-01-25 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 reviewing my Consumer Credit Report, I observed that your agency is in violation of multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) related to the furnishing of reports in credit or insurance transactions not initiated by the consumer ( Inquiries ). According to the mentioned code : A consumer reporting agency can only provide a consumer report in connection with a credit or insurance transaction not initiated by the consumer if : ( A ) the consumer authorizes the agency to provide the report, or ( B ) ( i ) the transaction involves a firm offer of credit or insurance.

Furthermore, regarding inquiries, a consumer reporting agency is prohibited from furnishing a record of inquiries in connection with a credit or insurance transaction not initiated by the consumer, except as provided in section 1681g ( a ) ( 5 ) of this title.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), in the case of liability for obtaining a consumer report under false pretenses or without a permissible purpose, the consumer is entitled to actual damages or {$1000.00}, whichever is greater, and punitive damages as allowed by the court. 

I did not initiate any of these inquiries, and if you believe otherwise, please provide copies of my written signature giving consent to this matter. 

I request the removal of the items listed below from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 US Code 1681n ( b ), I believe a natural person 's civil liability has been violated. We have already reported this matter to the Complaint portals of the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

For any questions or additional information, please contact me at the address listed above.

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 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: IL

Complaint narrative:
The company did not provide any information that I owed the debt. Zions Debt Holding provided NO credit application and NO contract with my signature. I had NO CONTACT with the company who originated this debt ( XXXX XXXX XXXX ) and I provided NO information to open the debt. There are no credit inquiries on my credit reports and no personal identifying information associated with the debt. No account has been reported to the bureaus. Zions reported the debt with NO PII. Zions provided no PII to validate the debt, no application, no signed contract, nothing. T The debt was created on a rented property that I own. The property is a Federally regulated property rented to a low income senior ( XXXX ) XXXX man. The original debtor 's representative ( XXXX ) used unfair and deceptive practices to obtain my name as the owner of the home. The tenant has taken full responsibility for the debt, does not have my PII and NEVER provided anything other than my name. If Zions or XXXX have any PII it was obtained fraudulently and illegally by the debtor! The debtor has illegally opened an account in my name.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Providing credit bureaus with false information. Still reporting past due when account should have been closed. Surrender the vehicle still leaving late marks 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 2024-01-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the existence of an account on my credit report purportedly affiliated with XXXX XXXX. To date, there has been no verification of any association with me, nor has there been any provision of a written and signed contract acknowledging or agreeing to the reported debt. This has resulted in inaccurate reporting to Equifax, impacting my consumer report. 

It is critical to note that Equifax publicly disclosed a data breach around XXXX, leading to the placement of a fraud alert on my credit report to safeguard against potential unauthorized activities. Equifax 's actions in reporting this disputed account without proper verification are in violation of several rights outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1692g, as well as infringing upon my right to privacy as outlined in 15 USC 1681. 

Furthermore, XXXX XXXX has not verified nor provided any evidence of association with this debt listed on my report without my explicit written instructions to do so. I emphasize that this account has been reporting since XXXX on my credit report without my consent, surpassing the statute of limitations, and exceeding the seven-year reporting period. 

I demand the immediate removal of this account from my consumer report. Failure to address this matter promptly and accurately may result in legal action due to violations of my FCRA rights. 

I expect written confirmation of the removal of this account within the stipulated timeframe as per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: GA

Complaint narrative:
I don't want to have this on my credit XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 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 non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
We have been making the required payments several months and after making double payments in XXXX they are claiming they havent received any payments. Threatening my credit report and calling requesting payments when all payments are up to date and sent electronically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Good morning, I had an account with XXXX ( Comenity Bank ) which, I feel behind on. I went to my bank to get a loan and they advised me to get the loan I would need to pay off my accounts that are behind. I called XXXX and asked for a settlement while in the bank with the loan officer and they agreed to the settlement of XXXX. I advised them would call right back once the bank transferred the funds into my account for payment. I called XXXX back with the loan officer and I paid the settlement in full. I was given a confirmation number and the call ended. Well, what I have since found out is that they sold the balance to a collections agency called XXXX  and I explained to them on XXXX different occasions that I don't owe this and it was paid in full with a settlement they said nope you owe it. I have called XXXX and Comenity Bank more than XXXX to try and correct this no luck. I was told a supervisor would fix it and correct the error, but still nothing this is now in my credit and they call me XXXX a day requesting payment of the remainder amount. I told them if they don't fix it I would be reaching out to the CFPB for assistance their response was to go ahead you still owe this. Please help me with this!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX there was an application for a deposit account that got rejected using my maiden name and a different address. ( XXXX  XXXX XXXX ) they did the request all on line. 
XX/XX/XXXX and XX/XX/XXXX Person tried to gain access to my XXXX account. 
XXXX  XXXX XXXX XXXX made XX/XX/XXXX also on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COMENITYCAPITAL/GOOD inquiry date XXXX account with COMENITYCB/ ULTA XXXX  that starts with XXXX on XX/XX/XXXX using the number XXXX XXXX All of these used the address and name they opened an account on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX United States

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-25 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian closed this complaint with a shorter version of is long version but either version doesn't address the ISSUE which is EXPERIAN NOW HAS STOLEN ALMOST XXXX MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND REFUSE TO GIVE THEM BACK

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit 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: DISCOVER BANK
State: CA

Complaint narrative:
I used my credit card for my XXXX XXXX removal. I was wrongly charged twice and sent my findings to my credit card company and I lost both of my disputes. I dont have a problem paying, but I want to pay the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Good morning, I had an account with XXXX ( XXXX XXXX  ) which, I feel behind on. I went to my bank to get a loan and they advised me to get the loan I would need to pay off my accounts that are behind. I called XXXX XXXX asked for a settlement while in the bank with the loan officer and they agreed to the settlement of XXXX. I advised them would call right back once the bank transferred the funds into my account for payment. I called XXXX back with the loan officer and I paid the settlement in full. I was given a confirmation number and the call ended. Well, what I have since found out is that they sold the balance to a collections agency called XXXX  and I explained to them on XXXX different occasions that I don't owe this and it was paid in full with a settlement they said nope you owe it. I have called XXXX and XXXX XXXX  more than XXXX to try and correct this no luck. I was told a supervisor would fix it and correct the error, but still nothing this is now in my credit and they call me 3x a day requesting payment of the remainder amount. I told them if they don't fix it I would be reaching out to the CFPB for assistance their response was to go ahead you still owe this. Please help me with this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: IN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2024-01-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I trust this letter finds you well. On XX/XX/XXXX CERT MAIL ( XXXX ), I submitted a dispute to Equifax regarding unauthorized accounts and information on my credit file. Despite Equifax initiating an investigation, as indicated by updated remarks on my account, the necessary actions, including the deletion of disputed accounts, have not been taken. 

In addition, I filed an identity theft report and claim with Equifax on XX/XX/XXXX, accompanied by a completed Identity Theft Affidavit. Under FCRA Section 605B, bureaus are mandated to complete identity theft investigations within 5 business days and promptly remove fraudulent items. Unfortunately, Equifax has not met these legal requirements. 

Furthermore, I wish to highlight concerns related to privacy under GLBA Section 502. I was not given the opportunity to opt-out, and there has been no communication from Equifax regarding the process of opting out. This lack of transparency and choice is a violation of consumer privacy rights under GLBA.

While I understand that detailed steps of the investigation may not be disclosed, I urge the CFPB to thoroughly investigate and compel Equifax 's immediate correction of these matters, including the deletion of unauthorized personal details, as mandated by law. 

Your commitment to enforcing consumers ' rights, including privacy under GLBA, is crucial, and I am available to provide any necessary support for your inquiry. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief