vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have attempted to contact this company regarding the closed account payment history. The company is reporting inaccurate payment history. I have attempted to contact the company to update the payment history to reflect a positive history. The company has continuously requested copy of said credit reports reporting the negative payment history. I have sent them copies of the credit reports to only receive yet another letter requesting the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/2016 {$400.00} Account # XXXX I have placed a fraud alert on my credit as well as filed identity theft. This account was not done by me. Please remove this from my credit 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 2021-08-03 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: FL

Complaint narrative:
I have reached out this company since XX/XX/2021. Im still waiting on a response.

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 2021-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NE

Complaint narrative:
On XXXX XX/XX/XXXX, I received a phone call from The Toyota Financial Services Deb Collections department about owing XXXX $ on my car lease. I explained that I would not be making any payments until I verify where/when a payment was missed. I checked both my bank statements from the start of my vehicle lease up until present day and I could not find a month where a payment was missed. I also checked my billing statement on the Toyota Financial Services App and it does not reflect any missed payments. I called XXXX Customer Service again and was told that a payment from XX/XX/XXXX ( over a year ago ) did not go through and for some reason I am barely finding out about it now. On my TFS app, it doesnt reflect any payments not going through for the month of XX/XX/XXXX, in fact, I have the payment confirmation. When calling TFS, their automated system specifically states to use the confirmation emails as proof of payment due to technical difficulties. I explained to the agent that my billing information on their end is incorrect as both my billing statement and my bank statement reflect the payment was made. I was told that the payment got returned regardless of what proof I have and that I would need to pay the XXXX $ in order to stop this from damaging my credit tremendously since it would be reported to the credit bureau tomorrow ( XXXX XX/XX/XXXX ). I then went to my bank, and had the bank representative scrub through any possible returned payments and was told that on their end, it reflects that the payment was made. I then called the TFS Debt Collections Department and was put on hold many different times, the representative then told me she didnt see where the mishap was but that it would hit the credit bureau tomorrow ( XXXX XX/XX/XXXX ). TFS can not provide me with an email so I am unable to send them these statements and confirmation emails from them showing that Ive paid all my bills on time. I researched them online and many other people have had issues with this financing company. I feel I am being scammed by Toyota Financial Services due to the fact that they can not provide me with any proof that my payments haven't been going through along with their unwillingness to be able to accept my documents proving I have made my payments thus causing my credit score to possibly be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: MN

Complaint narrative:
The following XXXX XXXX XXXX  MasterCard Account : XXXX listed on my XXXX  and Experian credit report is lost/stolen, and the credit card account dont belong 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 2021-08-03 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:
All 3 Credit bureaus are reporting my bankruptcy and stating that this information is coming US bankruptcy court in XXXX Fl. I spoke with Deputy at US bankruptcy court who advised they never report any info to Credit bureaus which is false information and misleading. I also have issues with negative remarks from XXXX XXXX auto loan been reported inaccurately on all 3 credit bureaus. I want a written document showing my signature not a e-oscar online verification system.

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 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I called Zelle XX/XX/XXXX after speaking to a XXXX  XXXX XXXX agent wanting to cancel Zelle services do to an ongoing related fraud scam. The XXXX agent said there was no way to cancel Zelle services however on the Zelle web site it states please contact your bank or union to cancel your Zelle services. There should be a way to cancel Zelle services and neither XXXX  XXXX XXXX or Zelle have any reasonable response/solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I did not open an account with loan pal, or good leap. 

They did not have the correct information of file to even contact me. 

I contacted them on XXXX, XXXX, XXXX trying to get this resolved, but was told theirs nothing they can do. 

I contacted them today, XXXX, XXXX, XXXX to get the contracts they said I signed E-Document, and I asked the gentlemen how do yall know I signed them. He stated we dont know who signs them! That was on a recorded line, and that was around XXXX to XXXX. He once again had the wrong contact information to contact me, and I have gave them the correct information on the XXXX, XXXX, XXXX 

The Truth in lending disclosure statement only has XXXX contact information, so how did I get sent or notified of anything to sign? 

I dont sign anything E-Document. 

Why would I co-sign a XXXX dollar loan for solar panel to a house I dont even own, or have any part of. 

Ive explained to loan pal/Good leap, that this is stopping me from getting my mortgage loan. 

Ive tried many times to have this resolved, with no help from the company. So I am now reaching out for more help to right this wrong.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I sent in dispute letters to the collection agency an the credit burrows as well to remove this account I have yet to get a response or anything back explaining the debt

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 2021-08-03 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CITIZENSONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I am currently experiencing a problem with my credit report which involves my report being delinquent with late payments.I WANT SUCH LATE PAYMENTS TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY AND PERMANENTLY. 

SANTANDER CONSUMER USA AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
XXXX XXXX XXXX Attention : Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXXXXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXXXXXX  Made on : XXXX Made with : Transunion Made by : XXXX XXXX  Made on : XXXX Made with : Transunion Made by : XXXX Made on : XXXX Made with : Transunion

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 2021-08-03 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: NY

Complaint narrative:
As per my previous complain I was advised by CRA to contact them and give them authorization to conduct investigation .I contacted them on XX/XX/2021 and gave them authorization to conduct investigation. 
Since its not a first time I request such investigation I assume the CRA has already enough evidences that they received from the furnisher to confirm accuracy of the reported account. 
Therefore I demand them to submit to me all such correspondence from the furnisher to me by certified receipt mail and send such copy to CFPB as well. 
I demand CFPB to notify me in writing that they did receive evidences from the furnisher submitted by CRA to them.

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 2021-08-03 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: MD

Complaint narrative:
This is the second time reporting Equifax Credit Bureau due to the credit report pulled on XX/XX/2021. I reviewed my credit report and realized they are reporting a balance on a account that has been settled already. Equifax is reporting a balance of {$710.00} for account XXXX. Please not that the original creditor is XXXX XXXX XXXX. This credit union consigned the debt to this unlawful debt collection agency XXXX XXXX XXXX XXXX. I requested this information to be corrected in XX/XX/2021. I then reported Equifax to CFPB, even though they stated to you that the information was reviewed I disagree. I have already provided documentation of proof of payments, bank statement, and letter from the debt agency stating debts have been paid and settled. I am unable to pass my background investigation for my potential job because of this error. 

The only resolve I want is to have the account completely and forever removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft TOYOTA MTR Account Number : XXXXXXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Exeter Finance, LLC.
State: CT

Complaint narrative:
I am currently experiencing a problem with my credit report which involves my report being delinquent with late payments.I WANT SUCH LATE PAYMENTS TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY AND PERMANENTLY. 

XXXX XXXX XXXX AND EXETER FINANCE LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: CT

Complaint narrative:
I am currently experiencing a problem with my credit report which involves my report being delinquent with late payments.I WANT SUCH LATE PAYMENTS TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY AND PERMANENTLY. 

XXXX XXXX XXXX AND 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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I hired a credit repair company over a year ago to get some accounts off of my credit. They were only successful in getting one off, and I paid {$800.00}. They keep saying that they're going to get more accounts off, but nothing ever happens. I want a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: NY

Complaint narrative:
As per my previous complain I was advised by CRA to contact them and give them authorization to conduct investigation .I contacted them on XX/XX/2021 and gave them authorization to conduct investigation. 
Since its not a first time I request such investigation I assume the CRA has already enough evidences that they received from the furnisher to confirm accuracy of the reported account. 
Therefore I demand them to submit to me all such correspondence from the furnisher to me by certified receipt mail and send such copy to CFPB as well. 
I demand CFPB to notify me in writing that they did receive evidences from the furnisher submitted by CRA to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
XXXX XXXX XXXX Attention : Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXXXXXX  Made on : XXXX Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX  XXXX  on : XXXX Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have contacted this company multiple times over the mail. 
My representative have several phone conversation with two supervisors. 
Both admitted that they do not have a debt assignment agreement and they do not have a full original contract .They assured my representative that they will request such documents and provide me with a copy within 30 days .It is been more than 30 days and I have not received anything from this company. 
Trying to collect the debt without legal authorization is a FDCPA violation and reporting unvalidated debt is a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has reported 2 late payments after I decided to pay the loan off early this show on all 3 of my credit reports

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX has reported 2 late payments after I decided to pay the loan off early this show on all 3 of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX has reported 2 late payments after I decided to pay the loan off early this show on all XXXX of my credit reports

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 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called XXXX XX/XX/XXXX after speaking to a Bank of America agent wanting to cancel XXXX services do to an ongoing related fraud scam. The BofA agent said there was no way to cancel XXXX services however on the XXXX web site it states please contact your bank or union to cancel your XXXX services. There should be a way to cancel XXXX services and neither Bank of America or XXXX have any reasonable response/solution.

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 monetary relief