vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: OR

Complaint narrative:
This loan was sold to XXXX XXXX who in turn sold it to XXXX XXXX XXXX. I reached a settled with XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX had paid {$2100.00} last payment on XX/XX/XXXX of {$600.00}. 

I have been monitoring my credit since then to see if this will be reported to the credit bureaus and it still hasn't. I have filed several disputes with the credit bureaus and nothing is been done. On XXXX XXXX, I called XXXX XXXX services and Cash Central and no one wants to take ownership to resolve this. 

The same day XX/XX/XXXX i sent out registered letters to Cash Central XXXX XXXX XXXX and XXXX XXXX XXXX and the post office has been unable to get them signed because either the business doesn't exits or no one wants to sign them. USPS tracking numbers XXXX, XXXX and XXXX. 
I want this is resolved. I also have a letter which was sent to me by XXXX XXXX about the settlement and stating the debt is paid as agreed. I want this reported to all the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Dear CFPB team, Our company took over a lease from an individual of XXXX XXXX XXXX, which came into effect in XX/XX/XXXX as signed by Toyota Financial Services agreement. As a part of the lease transfer deal we obtained a fuel card worth {$15000.00}, which was assigned to the car at the moment of the lease transfer and worked fine, and we used this car to fuel the leased vehicle. 

As of XX/XX/XXXX the fuel card stopped working ( due to Toyotas internal card provider switch ), and when called Toyota Brand Engagement Center that handles Toyota Mirai we were informed that the card is non-transferable to the new owner, and this is the first time we learned about it. 

We opened a complaint case number with Toyota Financial Services ( Case # XXXX ) and with Toyota Brand Engagement Center ( Complaint # XXXX ) but didn't receive a positive outcome to resolve the case. 

Toyota XXXX XXXX center XXXX Specialist by name XXXX informed me on XX/XX/XXXX that fuel card 's non-transferable status is printed on the card, and while this is indeed the case ( in small print ), we didn't know about this from the lease transfer agreement at the time of its signing. The fact that the card was fully operational until Toyota moved to ta new card provider on XX/XX/XXXX also proves that the card was effectively transferred for our use 100 percent. 

I argued with XXXX that " non-transferable '' status makes sense in a way that it is non-transferable to a different car, because it was originally assigned to the same car we took over as a lessee, and there was no documentation available that the card was non-transferable to a new lessee in the lease agreement or anywhere else. 

Remaining value of the fuel card 's balance is at least {$7500.00}, and we as a new lessee would like to seek compensation from Toyota for lost value as we assigned this value to the lease contract when we took over the car lease.

Please kindly help us get Toyota to bear full responsibility for their covert actions to strip our company of at least {$7500.00} value in our contract and pay us this compensation in full by a check or other means. 

Thank you. 

Dear ___ : We appreciate you taking the time to contact the Toyota XXXX XXXX XXXX. We are dedicated to providing superior service. Your case is filed at our headquarters office under your name and file XXXX. 
If you require further assistance, please contact us directly at XXXX. Our hours of operation are Monday through Friday from XXXX a.m. XXXX p.m. XXXX, and Saturday from XXXX a.m. XXXX p.m. XXXX. 
Sincerely, Toyota XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have repeatedly sent proof and documents stating I was a victim of fraud and identity theft to each credit bureau. The documents I sent in have been a police report, ftc report, and proof of identity such as my I.D and social. Accounts will be removed temporaryily then it'll reappear without any notice. This is in violation of FCRA. The accounts are XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. All accounts have been removed and reappeared at least twice!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$62.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$79.00}

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 explanation
Consumer complaint received 2022-02-17 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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am trying to get an inherited property in my name. I am trying to assume the mortgage on a home left to me by my father who passed away in XX/XX/2021. The will has been probated. I have submitted all required paper work to the mortgage company Mr.Cooper may times. For over a year, I have been trying to assume the mortgage. I have emailed digital and have mailed physical required documents. 

Also, I have been making payments on the property for over a year. They do not have a direct number for me to speak to the department. I recieve letters telling me I missed the deadline and need to start over. This has happened numerous times over the year. 
The loan is a FHA loan which is assumable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im hXXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
A {$100.00} XXXX Gift Card I purchased at my local XXXX XXXX on XX/XX/22 XXXX was immediately deactivated by the time I logged in at home to register the gift card on XXXX. I went to back to XXXX XXXX to verify if they somehow didn't activate it, but they referred me to their gift card helpline at XXXX. I had to call the XXXX ( XXXX ) help line the next morning on XX/XX/22 since they were already closed. The XXXX help line said their system showed that the card was activated and authorized for the {$100.00} - Case # XXXX documented my inquiry to XXXX. 
I then called the number on the back of the XXXX  Gift Card XXXX. I spoke with XXXX giving him the last 8 digits on the back of the card, and he informed me that their fraud dept. had deactivated the card due to potential fraud. I explained that I just purchased the card last night, and I was not able to even registered the card on their website due to the site giving an invalid card number error. 
XXXX was only able to offer me a replacement card to arrive by regular mail in 7 to 14 business days. I mentioned to him if you're trying to avoid fraud on the card then expedite delivery of the replacement card through XXXX or XXXX not regular mail where it can be lost or stolen. XXXX responded they don't offer any other delivery method. He was not able to provide a case number or tracking number in reference to the replacement card. When I asked for a supervisor he hurried me off the call and hung up on me ignoring my concerns. 
XXXX  Gift Card company is making money off the {$100.00} that I can't use until the replacement card arrives. It is unfair that they not only make money off the {$5.00} activation fee, but now they have pocketed my money for 2 weeks. I have been greatly inconvenienced not being able to utilize the gift card to pay bills. This business practice should be unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX I sent a validation of debt request Notice pursuant to 15 USC 1692g asking for an audit trail of the alleged debt and for I C System to Cease and Desist collection activity on my consumer report. 
XXXX The Notice was received by I C System Office, and the green return receipt was sent back 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 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America is collecting a debt that does not belong to me. I was a victim of identity theft. I currently have a default judgment put in against me and have not had a chance to provide the court with my police report and FTC report. In the summons ( attached ) for case XXXX, Bank of America provides a credit card statement that has a XXXX XXXX address that I have never lived at ( XXXX resident my entire life ). This debt was obtained fraudulently and I am now being sued because of it. They need to prove the debt is mine by a signed agreement from me, proof of me obtaining/using the funds, etc. If not, this is a violation of FCRA. I have already reported to the credit bureaus and put a fraud alert on all my reports. They then verified that the debt was not mine with Bank of America and have since then removed the fraudulent account from all reports. Bank of America still pursued me after the fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
XXXX amount {$2000.00} and XXXX {$250.00} and XXXX {$2200.00} and {$1900.00} at nativent school went out of business or closed down and they spent my information to some school that is called aidvantage that I do not have any Knowledge of or did not sign a conTrac with aidvantage I feel like it should be discarded off all my credit reports its stop me from been able to get thing. And I also been disputing it off my credit and I also contact to the school about this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 received a letter from a collection agency called XXXX XXXX XXXX on XX/XX/XXXX. The letter was dated XX/XX/XXXX. I sent them a letter asking for validation on XX/XX/XXXX. which I will enclose a copy of all correspondence with all parties within the request. The letter was received by them on XX/XX/XXXX via USPS. XXXX XXXX XXXX illegally added this onto my credit report on XX/XX/XXXX. They have not sent me anything in regard to validation. Under the FCRA, it states that the collection agency has to wait a full 30 day period before furnishing information to the credit bureau. They did not. They illegally added it onto my file to damage my credit to get me to pay an unverified debt. I called them and spoke with XXXX XXXX ( A customer service representative ) and XXXX XXXX A manager that did not disclose his last name ) and explained that this was illegal for them to do. I asked them to remove it today and they stated that they do not add or remove accounts. Then XXXX switched up her statement and stated that they never added it to my credit report, however, I have proof that they did. They said they may send a request to delete it from my file, but they did not want to provide me any paperwork disclosing that or confirming their promise. This is hurting my credit rating because I am buying a home which is now causing me to have XXXX and emotional distress. They knew that they illegally sent this over to the credit agencies to scare me into paying for the debt that is not mine. 

I spoke with Experian, and they stated that they did not receive anything from them and advised me to dispute it. I disputed it under Identify theft since I have not been at a medical center in 2019. I spoke with XXXX from Experian at XXXX XXXX  and he did not help at all after I explained that XXXX XXXX systems broke the law. Experian has not followed the FCRA In verifying this information. They did not do anything regarding this illegal 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 non-monetary relief
Consumer complaint received 2022-02-17 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I switched our home security services to XXXX. I was told the equipment could be paid monthly ( not by pulling our credit and placed on credit report ). The technician showed up for installation and I was told to sign contract. The contract was to pull my credit report for the equipment ( I was not happy about this b/c this was not what I was told prior to install ). The technician did not complete the job and outdoor camera never worked. I spoke with XXXX representative and we canceled all services the following business day, but reached out to technician next day ( he never responded ). XXXX sent email stating I was no longer liable for services or equipment and a technician was sent to uninstall the remaining equipment. I was sent notice from Citizens Pay that my application was not approved because the credit bureau was unable to verify my identity. ( XXXX misspelled my last name which was also misspelled on the account which I told technician ) I was then notified by all credit bureaus I had a new account opened in my name. I called XXXX and spoke with representative about the account being removed from my report. I was told I had to speak with credit bureau 's for removal. I disputed with all bureaus and each state " the account is verified ''. I tried reaching out to Citizens Pay only to get an automated message or XXXX. I can never speak to live a person and XXXX number given is no longer active. In short, the equipment was returned and service for XXXX canceled but the account still shows up on my credit report as active with a balance. Now I am having issues having this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with CREDENCE RESOURCE MANAGEMENT. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). CREDENCE RESOURCE MANAGEMENT can not and will not ever produce a contract between me XXXX XXXX and CREDENCE RESOURCE MANAGEMENT because that contract does not exist. As a private consumer and natural flesh and blood woman I have been violated by this organization.

Company response to consumer: Closed with non-monetary relief