vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A monthly payment made in full was issued by us for loan # under check # in the amount of {$1100.00} on XX/XX/2022, and erroneously posted by XXXX XXXX as " Late ''. This error was reported to the credit bureaus causing my business partner and I a XXXX-point drop on each of our respective credit scores. Beginning on XX/XX/2022, we both disputed this egregious oversight by XXXX XXXX through the proper channels, and to date they have failed to remove this negative remark from our credit reports. The payment in question was received by XXXX XXXX ( personal check ) before the due date ( XX/XX/2022 ) and returned to our XXXX XXXX stating they no longer accepted personal checks. Due to the XXXX lockdown and personally being bed ridden with XXXX, my partner and I were physically unable to retrieve our mail from the XXXX XXXX , and thus had no knowledge of the policy change with XXXX XXXX. Our various business holdings, and credit scores reflect a 100 % payment " On Time '' history, with XXXX XXXX tarnishing it with poor accounting and business practices, and their blatant and flat-out refusal to accept responsibility for their actions.

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 2024-02-23 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: CA

Complaint narrative:
A monthly payment made in full was issued by us for loan # under check # in the amount of {$1100.00} on XX/XX/year>, and erroneously posted by XXXX XXXX as " Late ''. This error was reported to the credit bureaus causing my business partner and I a XXXX-point drop on each of our respective credit scores. Beginning on XX/XX/year>, we both disputed this egregious oversight by XXXX XXXX through the proper channels, and to date they have failed to remove this negative remark from our credit reports. The payment in question was received by XXXX XXXX ( personal check ) before the due date ( XX/XX/year> ) and returned to our XXXX XXXX stating they no longer accepted personal checks. Due to the XXXX lockdown and personally being bed ridden with XXXX, my partner and I were physically unable to retrieve our mail from the XXXX XXXX , and thus had no knowledge of the policy change with XXXX XXXX. Our various business holdings, and credit scores reflect a 100 % payment " On Time '' history, with XXXX XXXX tarnishing it with poor accounting and business practices, and their blatant and flat-out refusal to accept responsibility for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: CA

Complaint narrative:
A monthly payment made in full was issued by us for loan # under check # in the amount of {$1100.00} on XX/XX/2022, and erroneously posted by XXXX XXXX as " Late ''. This error was reported to the credit bureaus causing my business partner and I a XXXX-point drop on each of our respective credit scores. Beginning on XX/XX/2022, we both disputed this egregious oversight by XXXX XXXX through the proper channels, and to date they have failed to remove this negative remark from our credit reports. The payment in question was received by XXXX XXXX ( personal check ) before the due date ( XX/XX/2022 ) and returned to our XXXX XXXX stating they no longer accepted personal checks. Due to the XXXX lockdown and personally being bed ridden with XXXX, my partner and I were physically unable to retrieve our mail from the XXXX XXXX , and thus had no knowledge of the policy change with XXXX XXXX. Our various business holdings, and credit scores reflect a 100 % payment " On Time '' history, with XXXX XXXX tarnishing it with poor accounting and business practices, and their blatant and flat-out refusal to accept responsibility for their actions.

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 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address the fraudulent accounts associated with my name and identity within your system. I have undergone the necessary steps to process an identity theft investigation, and I am enclosing the Identity Theft Affidavit along with this letter as evidence of my claim. 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, and 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 2024-02-23 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: OH

Complaint narrative:
XXXX XXXX reported to lates on my credit account and none are correct. I have asked them to provide proof or remove and I have not received any proof nor have they removed.

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 2024-02-23 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: OH

Complaint narrative:
XXXX XXXX reported to lates on my credit account and none are correct. I have asked them to provide proof or remove and I have not received any proof nor have they removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX reported to lates on my credit account and none are correct. I have asked them to provide proof or remove and I have not received any proof nor have they removed.

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 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Subject : Dispute of Debt Claim - XXXXXXXX Cell Phone Payment I am writing to formally dispute a debt you ( XXXX. XXXX ) claim I owe, as stated in your recent collection notice. The debt in question pertains to a unpaid XXXX cell phone payment amounting to {$14.00}, allegedly linked to my former employer, the City of XXXX XXXX, FL. 

I would like to clarify that I retired from my position with the City of XXXX XXXX in 2018. During my employment, I was issued a company cell phone that was paid for by the city. Upon my retirement, all company property, including the cell phone, was duly returned. 

I have attempted to explain this situation over the phone, but it appears there has been a misunderstanding. I assure you that I am not responsible for this alleged debt. I have no knowledge of it, nor did I incur any charges related to a XXXX cell phone after my retirement. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting from ( I.C. Systems ) to show validation of this debt. Please provide me with : 1. The agreement that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature stating that I have agreed to assume the debt.
3. Detailed statements and documents outlining how the debt amount has been calculated.

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
So I was trying to log in on my checking account and when I was putting the information on the app it was telling me that the information doesnt match on my account. So I contact the bank right away and spoke with one representative regarding my account they told me that my account is been closed because of suspicious activities but this is not fair because I dont do anything illegal with my account especially because this is my work account I get pay here from both of my job so I really dont want to loose my account. I need to make a complaint with TD Bank so they can considered reopen my account because I been a client with them for three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
WAKEFIELD & ASSOCIATES , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Removal of Collection Account due to not being licensed to collect in the state of Georgia Dear Sir/Madam , NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ WAKEFIELD & ASSOCIATES ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ WAKEFIELD & ASSOCIATES ] for violating my rights as a consumer.

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
Per the IRS publication XXXX a charge off ( see attachment page XXXX column XXXX ) is consider income. This account is reporting wrong. 

Since it is considered income according to the IRS and per 15 USC code 1681, income is not one of the items that can be reported to the consumer report See attachment If you continue to report after this notice, you are violating my right under FCRA and agreeing to pay me XXXX dollars per violation. 

Also, according to 15 usc 6802 I am opting out of any authorization, that I may have given you to report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I made a payment on two of my accounts one of my accounts I made a payment of {$50.00} next account I made a payment of {$300.00} on one of my credit cards for {$50.00} was available the next day and the other the XXXX was not available and they told me that it would be on the app but when I spoke with them they said that there was a hold on that money placing me in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: OH

Complaint narrative:
XXXX XXXX reported to lates on my credit account and neither are correct. One late was reported on XX/XX/XXXX and the other XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX reported to lates on my credit account and neither are correct. One late was reported on XX/XX/XXXX and the other XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.

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 2024-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want these accounts removed from my reports at the 3 credit agencies within 72 hours of this complaint. These accounts are past the 7 year stataitory limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX  to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # 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 2024-02-23 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: TX

Complaint narrative:
I want these accounts removed from my reports at the 3 credit agencies within 72 hours of this complaint. These accounts are past the 7 year stataitory limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX  to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
I want these accounts removed from my reports at the 3 credit agencies within 72 hours of this complaint. These accounts are past the 7 year XXXX  limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # 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 2024-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I purchased from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2024. I traded in a vehicle and for the remainder of the purchase price of {$37000.00} I wanted to pay cash. I was told I qualified for a loan through Toyota Financial Services at 6.99 % interest and that it would be better if I financed the remainder vs. paying cash. I disagreed twice but went ahead and signed the loan agreement electronically on a keypad. When XXXX gave me a copy of the paper loan agreement 's I told the Finance Manager, XXXX, that I didn't agree with the {$1200.00} GAP coverage cost. He said I had to have it as I didn't own the vehicle outright. I disputed this twice. He said it was an add on cost per Toyota Finacial Services that would protect me if the car was totaled, etc. before I paid it off. 

I asked where my second key fob was. I was told it would be ordered and would take 7 days to receive. The sales representative XXXX told me he had two keys to give me when I agree to the purchase price, which was 100 % untrue. XXXX had two keys on his desk and said they " were mine. '' He lied.

Four days later I received a voicemail message from XXXX stating that Toyota Financial Services couldn't verify my identify and couldn't fund the loan and he needed me to bring him a copy of my social security card. I told him I would come to the dealership on Saturday, XX/XX/XXXX but reminded him I had leased a vehicle through the dealership about seven years prior and my identify was fine. He said I had fraudulent activity on my credit report or identify theft. I checked all three of my credit reports and no identify theft or fraudulent activity was on any of the reports. 

On Saturday, XX/XX/2024 I went to XXXX XXXX XXXX and showed XXXX my original social security card which he copied. I also gave him a check for {$37000.00} and told him I didn't need GAP insurance/coverage and wanted to pay for the car. 

I point blank asked him if GAP insurance or coverage was mandatory as I had done my research and he said no. 

He gave me a receipt for the check and also a due bill for the second key fob which is valued at {$790.00}. 

I found out on XX/XX/2024 that Toyota Financial Services had a lien on my XXXX XXXXXXXX even though I had paid for the vehicle and the check had been cashed and had cleared the bank on XX/XX/2024. 

I called the dealership. They said the lien would be cleared. Unfortunately I looked and when I leased a XXXX from this dealership prior, I was again charged GAP insurance which I paid over three years, even though I disputed the need for the insurance. Their sales, finance, and business practices are deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: MD

Complaint narrative:
I am aware of my rights under the Health Insurance Portability and Accountability Act of 1966 ( HIPPA ) to safeguard my medical information from third-party disclosures. Regrettably, I do not recall granting permission to XXXX XXXX XXXX XXXX or any other part to release my medical information. 

I request all documentation as indicated in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2024-02-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have authorized inquiries on my Equifax Report, made by the following companies : 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

Company response to consumer: Closed with non-monetary relief