vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Americas Car-Mart, Inc.
State: KS

Complaint narrative:
On XX/XX/2021 ( tracking # XXXX XXXX, I sent a certified letter via USPS mail to XXXX  requesting the debt be verified. On XX/XX/2021, XXXX  sent me investigation results showing the account was updated but sent no documents proving I owed the debt. On XX/XX/2021 ( tracking # XXXX ), I sent a certified letter via USPS mail to Colonial Auto Finance/CM stating that I felt my rights were violated as a consumer by their company for failing to validate the debt at my request and requested proof of their right to own/collect this alleged debt within 15 days of the letter. The letter sent to Colonial Auto Finance/CM was, '' delivered, Left with individual '' XX/XX/2021 at XXXX. I did not receive proof from Colonial Auto Finance/CM 15 days prior to sending a letter to them requesting proof of the debt. On XX/XX/2021 ( tracking # XXXX XXXX, I sent a certified letter via USPS mail to XXXX  explaining to them this is my third written request and final warning. Colonial Auto Finance/CM has no proof I owe this debt and I intent to pursue litigation in accordance with the FCRA to enforce my rights as a consumer. On XX/XX/2021 I received a letter from America 's Car-Mart dated XX/XX/2021 stating, " We do not provide general validation of account information or provide account statements. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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:
Several accounts was opened and several inquires listed in my name. Called the bureau explained that my identity was stolen & to remove them but they did not. I explained that this is not mine. Please help me with this issue. I have a sent them the attached police report before along with the other documentation and they do nothing.

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 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My friend sent me {$250.00} payment via XXXX transfer from his XXXX  XXXX XXXX account to my Ally Bank checking account on XX/XX/2021. This {$250.00} XXXX transfer was successful and the money should arrive in my Ally Bank account instantly. However, it didn't happen. Instead, Ally Bank is holding my money and doing a compliance review on this incoming transfer. Such reviews never happened in my incoming XXXX transfers before. It is not stated in Ally Bank website regarding XXXX transfer policy either. 

I request Ally Bank to immediately release this {$250.00} to my Ally Checking Account without any further delay. This {$250.00} money must be release to my Ally account IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have written to this company and asked that that the information they keep in my credit file be 100 percent accurate and that if its not then they need to correct it. They have not done so. The continued reporting of inaccurate information is a violation of the law under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian continually uses incorrect information to get my FICO Score. MY score is 34pts higher with XXXX and XXXX  XXXX XXXX ) which is quite ridiculous and Experian does't use the correct formulas for calculating scores. a few pts here and there are one thing, but XXXX is not acceptable. Their system is antiquated and they refuse to do something about it. I have sent them many messages and they can't explain why they are incompetent. Many places use Experian as a credit check and it hurts when they are not reporting properly. They need to be accountable just like you and me. Please look into this matter. Thank you in advance 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 2021-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Dear Midland Funding, I was sent a letter on XX/XX/2021 by the company XXXX XXXX XXXX XXXX XXXX about an alleged debt that I supposedly owed. On the letter it shows Midland Funding XXXX XXXX as the current creditor but I have not had any debt with your company or XXXX, who it shows as the debt collector. 
I requested for all written verification of the original debt and that it be sent to my address, showing what purchase ( s ) I made and the total principal amount owed on this alleged debt. I also requested a copy of the alleged final account statement from the 'original creditor ' or even from your company, as it shows you being the 'current creditor '. Documentation showing the total for these charges and the fees applied to them, the dates for each fee and the dates each were incurred is also requested. Also please provide the date this account first became past due and the date this account first went into Collections. At a minimum, I'm requesting a copy of the original signed agreement between myself and the original creditor showing proof of such exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: IL

Complaint narrative:
I've spoken with Experian Credit Bureau on a number occasion regarding their reporting practices regarding information should have been deleted or incorrect there response they get their information directly from the creditor. I contact creditor directly and they state something differently. One example is XXXX XXXX who deleted an inquiry from my XXXX XXXX and XXXX  credit reports. So why is Experian showing a inquiry after XXXX XXXX submit paperwork informing them they were removing the inquiry. Why is Experian credit report showing also most two months difference in reporting on my report Why is there XXXX point difference on my XXXX  credit and XXXX point difference on my XXXX 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 2021-05-29 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: DISCOVER BANK
State: FL

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way Diversified adj svc Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX bank Open date octob XX/XX/XXXX Lease Rental Open date og XX/XX/XXXX Edfed cu Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29 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: Windham Equity Company
State: FL

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX XXXX Open date XXXX XXXX Lease Rental Open date XXXX XXXX XXXX XXXXXXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KS

Complaint narrative:
I sold my home and the mortgage company held the paperwork for the title release for 3 months. After numerous phone calls from not only myself but my real-estate agency along with emails and documentation sent. It still took 3 months and I was still making payments they did charge me interest on all of the payments and the payoff. My relator suggested I make a complaint for all the delays and expenses occurred to me. Is their anything I can do??? 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: Northstar Education Finance Incorporated
State: FL

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX bank Open date octob XX/XX/XXXX XXXX XXXX  Open date og XX/XX/XXXX XXXX  cu Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-29 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX XXXX  Open date octob XX/XX/XXXX XXXX XXXX  Open date og XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Kay jewelers Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: CHECK INTO CASH INC.
State: MO

Complaint narrative:
I signed a non arbitration contract that stated the loan does not report to credit agencies. I took a title loan on a vehicle from check into cash and believed they had reposessed the vehicle. 2 years later they are now reporting to my XXXX  that I owe a debt of {$730.00} to dXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: Debt Recovery Solutions, LLC
State: MO

Complaint narrative:
I signed a non arbitration contract that stated the loan does not report to credit agencies. I took a title loan on a vehicle from XXXX XXXX XXXX  and believed they had reposessed the vehicle. 2 years later they are now reporting to my XXXX  that I owe a debt of {$730.00} to debt recovery solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: DISCOVER BANK
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX  # XXXX -XXXX XXXX # XXXX -DISCOVER FINANCIAL SERVICES # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: Convergent Resources, Inc.
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX # XXXX -CONVERGENT OUTSOURCING # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am requesting the following information get deleted off my credit report.The items I need deleted are listed on the word document attached. 

I am a victim of identity theft and did not open said accounts listed on the word document provided. I ask that all items ( fraudulent accounts and inquiries ) be deleted off my credit report. 

I already reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Please note that I am submitting this request on behalf of myself. No third party is involved Thanks in advance for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: CA

Complaint narrative:
Hello, I am requesting the following information get deleted off my credit report.The items I need deleted are listed on the word document attached.

I am a victim of identity theft and did not open said accounts listed on the word document provided. I ask that all items ( fraudulent accounts and inquiries ) be deleted off my credit report.

I already reported the theft of my identity to the Federal Trade Commission.

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Please note that I am submitting this request on behalf of myself. No third party is involved Thanks in advance for your time.

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 2021-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Checking credit score advised free but required {$1.00} charge. Paid charge but vendor opened account. Called to cancel immediately but number provided not operational. Emailed but more of the same. The company billed me {$29.00} and {$39.00}. attempts to stop failed and Regions bank could only change card. XXXX but Regions has not refunded the money. Opened XXXX complaint, Ic3 FBI COMPLAINT, FTC AND FCC but Regions has still failed to refund the money for over 60 days and multiple complaints.

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 2021-05-29 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: LEXISNEXIS
State: CA

Complaint narrative:
I continue to get the account updated on my credit report and the credit bureaus will not update it with the correct information. This account is paid in full. I keep sending in letters getting current letters from the bank and it still gets updated as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I called to request TD Bank who operates the Target XXXX Card for a balance letter faxed to my personal fax. They refused and told me they only fax those types of letters directly to banks or mortgage companies. They would mail it to me. I need that letter sooner as I am needing to send it to the credit bureaus so that my correct balance is reflected on my credit report. I can't believe they won't provide that service to a customer. I have had that card for about 4 years. Increasing my credit rating helps me to get better interest rates and saves me alot of money. They could care less. It is despicable that with all the interest that I pay them they can't do a simple request for me. To send that letter to the credit bureaus and have the credit bureaus update my information and score as quick as possible is very important to me. I had 6 other credit card companies fax me a balance letter. TD was the only one that didn't. It is horrible to me that they could care less about me. I also was hung up on twice. It is my account and my information, why is it that difficult for them to send a letter to my personal fax number?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: NJ

Complaint narrative:
TransUnion fails to delete XXXX account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity TransUnion is showing XXXX XX/XX/XXXX XXXX, XXXX is showing XXXX XX/XX/XXXX XXXX, and XXXX  is showing ( XX/XX/XXXX ) additional information : all 3 credit bureaus should report 1 date of last activity because its coming from 1 creditor.

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 2021-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: PA

Complaint narrative:
I have executed and filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days plus and I haven't received any investigation results within a timely manner. All 3 credit bureaus has clearly violated my rights according to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

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