vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Financial Service representatives are very rude when I was questioning the basic information regarding my loan, the confusing nature of their website, payment of the loan, and the misinformation their website and bills displayed to me said representatives hung up the phone and the call dropped at least four times over the past two weeks. Representatives mislead me to believe that the loan will be adjusted and misled me about the time it would take to adjust the loan. Originally said it would take two business days for the adjustment to mirror on their systems but after those two business days, it turned into four business days, and then it turned into six business days every time I called. They basically gave me false information regarding said information which other representatives backtracked, and said this would not be the case one week later, after calling multiple times during the week. The website contains a section for a remaining balance on the loan, but that is not the payoff amount that is just the remaining balance minus the interest, therefore misleading anyone paying off the loan to believe the payout amount is less than what it actually is, therefore, allowing interest to still be accrued, and a balance due to be owed. The website is basically displaying fraudulent information as the information is not true whatever remaining balances on the loan should be the actual remaining balance, not the remaining balance of the principal, but the remaining balance of the loan itself including the interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As per my previous complaint ; ID number- XXXX on XX/XX/2023 on Experian XXXX XXXX XXXX XXXX reporting account # XXXX ( U S DEPT OF EDXXXX ), I have not received any correspondence back from this agency in reference to my dispute. Experian is now in VIOLATION of 15USC1681 ( i ) - [ Procedure in case of a disputed accuracy. } Congress states ; " that before the expiration of the 5th business day period beginning on the date on which a Consumer Reporting Agency receives notice of a dispute from any Consumer or Reseller the agency shall provide notification of the dispute to any Person who provided any item of dispute At the address and in the manner established with the person ''. 

Their continuous Non- compliance with federal law and procedure has weakened my faith in the banking system and is harming my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still some accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b.

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments XXXX XXXX XXXX XXXX, Experian XXXX Bank XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXXXXXX  XXXX XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX, Experian XXXX XXXX Co XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Bank XXXX, XXXX The Bank XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may take legal action against your company for FCRA violations, which includes civil liability and financial penalties.

Please note that due to my current physical situation, which is the result of a prolonged COVID-19 sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : 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 2023-02-22 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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 — Investigation took more than 30 days
Company: CarMax, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I was alerted to a hard inquiry on my credit report from Carmax. I've never had any transactional relationship with them nor have I authorized anyone to do so on my behalf. 

I immediately alerted the company and the credit bureaus to this error and was told it would be corrected. At that time, I asked if any account was actually opened in my name and was told there was none. 

On XX/XX/XXXX, I was subsequently alerted that someone had taken out a $ XXXX loan in my name and purchased a vehicle through Carmax. Apparently this had occurred within XXXX hours of the XXXX hard inquiry. I once again alerted the credit bureaus and Carmax and filed a police report. 

Carmax was not remotely helpful or sympathetic and told me they would conduct an investigation. In the interim, the license plate and registration for the vehicle which I never purchased came to my home. This is clearly a case of title fraud. The perpetrator also attempted to take out an insurance policy in my name through XXXX XXXX and I alerted the California Insurance Commission to this as well. 

I alerted the California XXXX to this fraud and placed credit freezes on my credit files and took numerous other steps to ensure that my information was no longer being used fraudulently. 

Today ( XX/XX/XXXX ) I received word from XXXX that they had concluded their investigation and that Carmax maintained that I was in fact liable for the loan. 

That is insane and completely unacceptable. I'm the victim of identity fraud that this company is complicit in. 

If they do not remedy this matter and remove this fraudulent charge from my credit reports and release me of any liability I will file a lawsuit against them, XXXX and anyone else who is attempting to find me liable for a purchase I never made. 

Please advise how I can resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$28000.00} DEPT OF XXXX / XXXX XXXX Balance : {$28000.00} DEPT OF EDXXXX XXXX Balance : {$28000.00}

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 2023-02-22 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$28000.00} DEPT OF XXXX / XXXX XXXX Balance : {$28000.00} DEPT OF ED/XXXX  XXXX Balance : {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: NJ

Complaint narrative:
I sent a letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2023-02-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent original cfpb complaints # 's : XXXX XXXX XXXX concerning inaccurate and incomplete items on my credit report. That was XX/XX/XXXX, I also sent a follow up letter XX/XX/XXXX asking for physical verification of the following accounts. 
Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
XXXX XXXX XXXX {$840.00} XXXX XXXXXXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX Bank XXXX {$1500.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX Bank XXXX Inaccurate Late Payments It's been more than 30 days, attached is the original letter sent to the bureas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent original cfpb complaints # 's : XXXX XXXX XXXX concerning inaccurate and incomplete items on my credit report. That was XX/XX/XXXX, I also sent a follow up letter XX/XX/XXXX asking for physical verification of the following accounts. 
Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
XXXX XXXX XXXX {$840.00} XXXX XXXXXXXX XXXX {$3300.00} XXXX XXXX XXXXXXXX XXXX XXXX {$3100.00} XXXX Bank XXXX {$1500.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX Bank XXXX Inaccurate Late Payments It's been more than 30 days, attached is the original letter sent to the bureas.

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 2023-02-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent original cfpb complaints # 's : XXXX XXXX XXXX concerning inaccurate and incomplete items on my credit report. That was XX/XX/XXXX, I also sent a follow up letter XX/XX/XXXX asking for physical verification of the following accounts. 
Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXXXXXX XXXX XXXX {$3100.00} XXXX Bank XXXX {$1500.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX Bank XXXX XXXXnaccurate Late Payments It's been more than 30 days, attached is the original letter sent to the bureas.

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 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/2021

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 2023-02-22 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: NC

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: OH

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check this account ( A ). It is unacceptable to list this account as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. Per my research XXXXXXXX XXXX XXXX is a debt collector. Under 15 U.S code 1681d disclosure of investigation violation violation below : A person may not procure or cause to be prepared and investigate consumer report ( 1 ) It is clearly and accurately disclosed to the consumer that and investigative consumer report including information as to his character general reputation personal characteristics and mode of living whichever are applicable may be made and such disclosure ( A ) is made in writing mailed or otherwise delivered to the consumer not later than 3 days after the date on which the report was first requested I requested to be provided proof of this alleged item, specifically the original contract bearing my signature with XXXX XXXX XXXX. Im requesting that this is deleted from my credit report as soon as possible. Under federal law you have 30 days for reinvestigation I will also be seeking {$1000.00} per violation for : 1 : Defamation 2 : Negligent Enablement of Identity Fraud 3 : Violations of 15 U S C 1692g

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 2023-02-22 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: AZ

Complaint narrative:
RE : Notice of Intent to File a Lawsuit Dear TransUnion, This letter serves as notice of my intent to file a lawsuit against you if I do not receive payment of {$10000.00} within 14 days to the above address for the multiple violations of my consumer rights and the immediately removal of the identity theft, inaccuracies, and fraudulent information your are reporting on my consumer report. 

Here is a statement of my case that I intend to submit to the court : The Defendant has violated my consumer rights of 15 U.S. Code 1681c2 by steady reporting fraudulent information on my consumer report after being supplied with my FTC report almost two years ago. They are also violating 15 U.S. Code 1681 by reporting inaccurate information on my consumer report when I have stressed to them multiple times to remove the inaccuracies or to show proof that this information was verified, and to show proof that they have my written permission to report this information on my consumer report. This situation has been going on since XX/XX/XXXX. The Defendant has reported on my consumer report that there is a Bankruptcy that has been reported when I have proof that the XXXX Bankruptcy court do not report to the Defendant and the Defendant was also asked to verify how this information was verified on my consumer report and to also provide proof that they had my written permission to report this on my consumer report. The Defendant failed to provide such information. Not to mention I have multiple inquiries listed on my consumer report that was never authorized by me. Those inquiries are listed as : XXXX XXXX XXXX listed on XX/XX/XXXX, XXXX XXXXXXXX XXXX listed on XX/XX/XXXX, XXXX listed on XX/XX/XXXX, XXXX XXXX listed on XXXX XXXX, XXXX, and XXXX listed XXXX XX/XX/XXXX. Accounts that have not been authorized and legally verified are XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX why this is listed twice is disturbing and unauthorized, XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX & XXXX account XXXX XXXX XXXX and XXXX XXXX XXXX account XXXX XXXX XXXX. These are all considered identity theft and fraudulently reporting according to the law and need to be removed immediately. 

Sincerely, 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