vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 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: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XXXX XX/XX/XXXX {$520.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX {$1800.00}, XXXX XXXX XXXX XX/XX/XXXX {$2900.00}, XXXX XXXXXXXX XXXX XX/XX/XXXX {$4000.00}, XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$6100.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX {$3200.00}, XXXX XXXX Bankruptcy XXXX XX/XX/XXXX {$0.00}.

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 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a notice of an update on my XXXX credit report of a new collection account in the amount of {$1300.00}. The collection agency was listed as XXXX XXXX XXXX XXXX XXXX with no indication of the original creditor. I immediately called the creditor and was only provided the option to leave a voicemail with no indication of when a return call would be made. 

This morning, after an additional review of my XXXX and XXXX reports, it was associated with Money Key. I attempted to contact Money Key from contact information on their website and was I was on hold awaiting a response and then the line disconnected no fewer than three times. 

I was able to get into an account that I did not recall setting up under my email address and found that a loan was taken out in the amount of {$870.00} in XX/XX/XXXX. The account showed a record of cleared payments totalling {$1000.00} ( well over the amount that was funded ). Additionally, there showed a record of 4 cancelled payments in the amount of {$1000.00}, nearly the same as the amount originally showing cleared. This account should be showing as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
Mid Atlantic Finance Company ( a debt buyer ) has indicated that it purchased an active contract from an original creditor which gives them the right to collect from me. 

I have repetitively requested that they provide evidence of the assignment of debt that they claim to have which provides them with the right to collect from me according to the Fair Debt Collection Practices Act. I have NO CONTRACT with this company. They assert that they purchased the debt but they have have not provided me with any documentation which provides them with the right to collect from me. I demand a copy of the assignment of debt or the bill of sale which assigns them the right to collect from me and continue to report this on my credit profile. 

Mid Atlantic Finance Company is in breach of the FDCPA 15USC1692c and 15USC1692d b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

( d ) Consumer defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

15 USC 1692d I demand that this company cease all collection efforts until they have provided me a copy of a contract between me and them and a bill of sale which provides them the right to legally collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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 reached out to all 3 credit bureau to update my personal information on my credit profile. I will attached documentation to prove the removal of incorrect information. I also just found out that several inquiries are also on my report that are fraudulent. According to the FCRA section 611 ( a ) ( 5 ) ( B ) it's a violation to insert deleted items back on to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
There is a theft belonging to a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Ohio that is not me on my credit report. My name has never been XXXX XXXX and I have never been charged with theft nor lived at that address. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: GA

Complaint narrative:
On XX/XX/2021, I contacted XXXX XXXX XXXX in XXXX, XXXX for financing and purchase of vehicle. 
I spoke with sales Rep. XXXX XXXX and Finance Rep. XXXX. 
Prior to submitting my application and running my credit profile, I was VERY SPECIFIC AND ADAMANT regarding XXXX XXXX RepsXXXX and XXXX XXXX NOT making more than ( 2 ) HARD INQUIRIES to my Equifax profile account. 
Too many hard inquiries 'lowers ' one credit score.

Prior to running my Equifax credit profile I explained that I had a credit FREEZE OR LOCK on my account and would have to have it removed. 
After removing the credit lock and allowing XXXX XXXX to access and perform the credit screen, I was told afterwards that ( 10 ) INQUIRIES TOTAL were made.

I was furious with Rep. XXXX saying, " This is misrepresentation and FRAUD, you have ruined my credit score! '' " You didn't do what I asked of you! '' I would also later discover that XXXX XXXX had tried to access my XXXX Credit profile as well but it too was also locked, denying them access. 
There needs to be nationwide government regulations on how many times one ( 1 ) car dealership can " FISH '' around a consumers credit information to different lenders. 
These several actions definitely have a adverse or negative impact on one 's own credit profile and score. 
I DID NOT GIVE CONSENT TO XXXX XXXX TO HAVE MY CREDIT 'FISHED " AROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: GA

Complaint narrative:
On XX/XX/2021, I contacted XXXX XXXX XXXX in XXXX, XXXX for financing and purchase of vehicle. 
I spoke with sales Rep. XXXX XXXX and Finance Rep. XXXX. 
Prior to submitting my application and running my credit profile, I was VERY SPECIFIC AND ADAMANT regarding XXXX XXXX XXXX and XXXX XXXX NOT making more than ( 2 ) HARD INQUIRIES to my Equifax profile account.

Too many hard inquiries 'lowers ' one credit score. 
Prior to running my Equifax credit profile I explained that I had a credit FREEZE OR LOCK on my account and would have to have it removed. 
After removing the credit lock and allowing XXXX XXXX to access and perform the credit screen, I was told afterwards that ( 10 ) INQUIRIES TOTAL were made. 
I was furious with Rep. XXXX saying, " This is misrepresentation and FRAUD, you have ruined my credit score! '' " You didn't do what I asked of you! '' I would also later discover that XXXX XXXX had tried to access my XXXX Credit profile as well but it too was also locked, denying them access. 
There needs to be nationwide government regulations on how many times one ( 1 ) car dealership can " FISH '' around a consumers credit information to different lenders. 
These several actions definitely have a adverse or negative impact on one 's own credit profile and score. 
I DID NOT GIVE CONSENT TO XXXX XXXX TO HAVE MY CREDIT 'FISHED " AROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
After making 3 wire deposits from XXXX on XXXX XXXX, XXXX & XXXX and sending 3 wires on XXXX XXXX, XXXX & XXXX to resolve business legal problems Chase security restricted my account on XXXX XXXX. I had spoken with Chase security at length about this on the XX/XX/XXXX. I was told nothing would be allowed in or out of my account and it was being closed. Chase proceeded to accept my payroll check LATE on XXXX XXXX. Chase also has not accepted to pay my final check number XXXX to XXXX XXXX XXXX for {$61.00} even though there is enough money in the account to do so. I spoke with Chase customer service on XX/XX/XXXX asking when I will receive the balance of my funds and if they will pay my final check which I mailed on XX/XX/XXXX. They will not release my funds I am told until they compete an investigation even though by their words should have never accepted my payroll check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My PENFED XXXX is paid in full each month. There is AUTOMATIC AUTO PAY that no one has seemed to be able to see or REMOVE that assumes a minimum payment will be paid WHEN IN FACT, the whole amount in full is paid. Based on this, the auto pay prevents me from paying my account off in full by the due date as it states, you have already made a payment. Therefore, I have had to pay my account in full the day before it is due. Thus, making the assumed interest assessed by the AUTO PAY incorrect. Furthermore, PENFED accounting, each month shows inconsistent calculations for the daily rate of XXXX for the loans that have been taken.

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 2021-12-30 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: Continental Finance Company, LLC
State: TN

Complaint narrative:
On XXXX XXXX someone applied to two different credit card companies without my permission. I have contacted each company involved and they stated they will complete an investigation. But it will take some time to remove this information from my credit. I do not want this to be on my credit as I am not the person who authorized these cards. XXXX and XXXX XXXX also know as XXXX XXXX are the two companies who issued the cards.

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 2021-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
XX/XX/2021 The company violated my medical rights under HEPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Frost-Arnett Company
State: PA

Complaint narrative:
I RECEIVED A BILL IN THE MAIL FROM XXXX XXXX XXXX XXXX XXXX ONE AND A HALF YEARS AFTER THE DATE OF SERVICE. THIS {$130.00} IS A CO-PAYMENT FOR A XXXX PERFORMED IN XXXX OF XXXX!! THEY JUST SENT ME TO COLLECTION EVEN THOUGH I SENT THE MY INSURANCE NUMBERS FOR MY SECONDARY INSURANCE [ XXXX XXXX  ] BACK IN XXXX OF XXXX. I ASSUMED THIS BILL WAS PAID. I SPOKE TO XXXX XXXX  TODAY AND WAS TOLD XXXX XXXX XXXX NEVER SUBMITTED THE CLAIM TO THEM FOR THE CO-PAYMENT. I ALSO RECEIVED A LETTER FROM XXXX STATING THAT MY CREDIT REPORT HAS DECREASED AS A RESULT OF THIS. XXXX ALSO TOLD ME THAT THE CLAIM WAS NOT SUBMITTED " IN A TIMELY MANNER '' AND MOST LIKELY WOULD NOT BE PAID NOW. I WANT THIS BILL EITHER WRITTEN OFF OR PAID BY XXXX XXXX XXXX AND ALSO I WANT THEM TO WRITE A LETTER OF EXPLANATION TO THE CREDIT COMPANIES, XXXX, XXXX XXXX, ETC. I AM A XXXX LIVING ON SOCIAL SECURITY AND CAN NOT AFFORD TO PAY THIS NOW, ESPECIALLY SINCE IT WAS COVERED BY INSURANCE. I AM ALSO NOTIFYING THE AREA ON AGING AND WILL GO TO LEGAL AID ON MONDAY, TO REPORT THEM. FYI : XXXX XXXXXXXX XXXX name was changed to XXXX XXXX and so that is the reason it took them so long to send me out a bill?? This bill was for a XXXX after which I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, resulting from the machine not being set up properly? I should have sued them back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
On me TransUnion XXXX XXXX credit there is a phone number on my personal information that is not mine that number is XXXX I do not no who this is Ive never seen this number before Ive as TransUnion and XXXX XXXX to remove but they have not don remove the XXXX The only numbers I have of is XXXX and 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 2021-12-30 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
My XXXX XXXX card was charged {$8000.00} for ( 16 ) {$500.00} gift cards. 
Original purchase was for {$23.00} on a fake web site. 
The individual took my card info a purchased these cards fraudulently. 
XXXXXXXX XXXX has determined I'm at fault for interaction between the individual and myself. 
He pretended to be afraid officer for XXXX and claimed he was reversing the charges, when he was actually purchasing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: ERC
State: IL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: Credit Wise Recovery Solution LLC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
On me XXXX Credit Wise credit there is a phone number on my personal information that is not mine that number is XXXX I do not no who this is Ive never seen this number before Ive as XXXX and Credit Wise to remove but they have not don remove the XXXX The only numbers I have of is XXXX and XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
After I filed bankruptcy and the the company with claim with the court, filed to be released from XXXX. Then came and repossessed my vehicle after I paid what they told the court I was behind. I paid it yet they repossessed my car anyway. They sent a certified letter asking for {$2100.00}. Then over the phone after I was about to pay, they verbally changed the amount to {$2700.00}. Plus {$320.00}. To the towing company. I was told my account was being brought up to date. After paying the money, I got a letter not confirming what I paid, but that they recieved a payment. And that my account was being reopened. And that my next payment of {$610.00}. was due XX/XX/21 that I was told my account was up to date after the payments and additional {$610.00}. Added after the certified amount. And that reactivate could take several weeks as much as four weeks. 
Then my attorney filed a motion to dissallow Toyota motor credit from any further disbursement from court because after release from stay, they didn't withdraw their claim. I really think something illegal was done here in all this and need a investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/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 2021-12-30 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: MD

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later and I have not yet received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act states that a failure to investigate these items within 30 days provides a reason to immediately remove those items from my credit report it has been over 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've written two letters to TransUnion about reporting the incorrect information for my account with XXXXXXXX XXXX  There have been a lot of discrepancies of what they're reporting and what the other bureaus are reporting which is a violation to FCRA requirement as they all should be reporting the same thing. TransUnion has not removed the account from my 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 non-monetary relief