vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
Sequium Asset Solutions claims they do not remove paid collections from my credit report. However, my score has been negatively affected once the collection appeared on my report and although its been paid, my score has not been positively affected at all by paying this account in full. Every other collection gets removed and scores improve. This is not the case with this debt collector and is an unfair debt collection practice. If the collection has been paid then my score should go up. If not, if need to be removed. I have asked for Sequium to remove and they will not comply. XXXX XXXX XXXX has not provided any solutions either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
I traded XXXX my car, loan # XXXX, in XX/XX/2014 for my XXXX lease, account # XXXX, the XXXX was in dealer possession therefore the reporting of a late payment for XX/XX/2014 is erroneous - this is causing my credit to drop and caused me to lose the ability to rent a home for myself and my XXXX kids. I requested this to be updated and it never did. This " contract '' is approaching 6 years and 6 months so I would request it just be removed from my credit so the past due one month doesn't continue to harm my financial position so I can provide  a roof over the heads of my children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC
State: OR

Complaint narrative:
I traded my XXXX, loan # XXXX, in XX/XX/2014 for my XXXX lease, account # XXXX and XXXX, the previous cars were in the possession of the dealership- therefore the reporting of a late payment for XX/XX/2014 is erroneous - this is causing my credit to drop and caused me to lose the ability to rent a home for myself and my XXXX  kids. I requested this to be updated, however XXXX doesn't update it or respond to the dispute they simply state it is resolved. AND then as a retaliation for my disputes XXXX reported 5 accounts as charged off - these accounts have been reporting as open and past due for YEARS but now, since I disputed they updated all records to charged off - thus causing my credit to tank even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: CA

Complaint narrative:
I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to XXXX, Equifax and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to XXXX and XXXX and 30 days Non Response to Equifax. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to Equifax and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to Equifax, XXXX and XXXX. The three credit bureau continued to report this Unverified Account.

At the same time I sent 4 dispute letters to XXXX XXXX XXXX which the first 3 letter were sent certified. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter stated We have completed our investigation of your dispute concerning this account and included a copy of a billing statement. XXXX XXXX XXXX continued to report this Unverified Account. They failed to validate the account and provide me with any contract or agreement that I signed.All they have sent is letter saying this a valid debt and a billing statement. 

XXXX XXXX XXXX, Equifax, XXXX and XXXX   needs to be held accountable for their misleading, false reporting and lack of a investigation. 

XXXX, Equifax and XXXX has NOT provided me with who verified these accounts? 

a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be  verified. 

XXXX, Equifax and XXXX has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws. 

All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: CA

Complaint narrative:
I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to XXXX XXXX and Transunion. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to XXXX and Transunion and 30 days Non Response to XXXX. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to XXXX and Transunion. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to XXXX, Transunion and XXXX. The three credit bureau continued to report this Unverified Account. 

At the same time I sent 4 dispute letters to XXXX XXXX XXXX which the first 3 letter were sent certified. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter stated We have completed our investigation of your dispute concerning this account and included a copy of a billing statement. XXXX XXXX XXXX continued to report this Unverified Account. They failed to validate the account and provide me with any contract or agreement that I signed.All they have sent is letter saying this a valid debt and a billing statement. 

XXXX XXXX XXXX, XXXX, Transunion and XXXX   needs to be held accountable for their misleading, false reporting and lack of a investigation. 

XXXX, XXXX and Transunion has NOT provided me with who verified these accounts? 

a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be  verified. 

XXXX XXXX and Transunion has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws. 

All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated.

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 2020-09-09 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:
I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to Experian, XXXX and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to Experian and XXXX and 30 days Non Response to XXXX. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to XXXX and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to XXXX, XXXX and Experian. The three credit bureau continued to report this Unverified Account.

At the same time I sent 4 dispute letters to XXXX XXXX XXXX which the first 3 letter were sent certified. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter stated We have completed our investigation of your dispute concerning this account and included a copy of a billing statement. XXXX XXXX XXXX continued to report this Unverified Account. They failed to validate the account and provide me with any contract or agreement that I signed.All they have sent is letter saying this a valid debt and a billing statement. 

XXXX XXXX XXXX, XXXX XXXX and Experian needs to be held accountable for their misleading, false reporting and lack of a investigation. 

Experian, XXXX and XXXX has NOT provided me with who verified these accounts? 

a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified.

Experian, XXXX and XXXX has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws. 

All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated.

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 2020-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending
State: FL

Complaint narrative:
There was intentional fraud/misrepresentation on the closing documents committed by Supreme Lending ( rep - XXXX XXXX ) and the closing attorney, XXXX XXXX XXXX XXXX  as they knowingly presented me as a single man on the security deed when they knew I was married in order to get the deal closed therefore there is a breach of contract and it is unenforceable and needs to be canceled. 
I had previously informed the lender on several occasions that I was married and on XX/XX/XXXX I sent an email specifically mentioning my wife to which the lender, XXXX XXXX responded on XX/XX/XXXX that my wife will be on title. However at closing on the security deed I was listed by the lender as single and my wife was not present on the warranty deed. Therefore the contract is null and void as there was intentional fraud/misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells and its vendor charged some customers for unnecessary insurance even though these customers had provided Wells Fargos dealer-partners information about their existing insurance. Wells Fargo has agreed to provide remediation of more than {$380.00} XXXX to approximately XXXX auto finance customers. The remediation will include payments to over XXXX customers whose cars were repossessed, and for whom the unnecessary CPI charges could have led to the repossessions. The CFPB and OCC are working to ensure that the auto finance customers are fully remediated by Wells Fargo. 

Wells Will Pay Auto Financ This is part of the agreement wells fargo made with the states they put cpi onmy truck and it made my payment way to much for the income I get from XXXX. I had full coverage on the truck and they never even asked me if i did. They are trying to settle on XX/XX/2020 for XXXX and then XXXX it is my fault I am so sick of dealing with these people I want outside arbitration. I have asked 5 times.

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 2020-09-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continues to report the XXXX XXXX account XXXX as derogatory charge off over seven years later. This reporting is 10 years old and the account was open in 2008, 12 years ago!!! 
Despite multiple dispute attempts and countless phone calls Experian has refused to remove the egregious information. XXXX XXXX is also reporting the egregious information to the other CRA 's 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 explanation
Consumer complaint received 2020-09-09 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: MD

Complaint narrative:
I have contacted Equifax numerous of times in regards to 13 inquiries on my report that I did not authorize. Equifax is reporting all of these inquiries and then are telling me that they are a statement of fact when they are not! They need to delete this information off of my report  before I'm forced to take things further with legal actions. That should not be how they do business by telling a customer that unauthorized and inaccurate inquiries are a statement of fact. It needs to be deleted! Creditor names and dates of the inquires are as followed : XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX   XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: TX

Complaint narrative:
I have attempted to dispute Experian 's reporting of XXXX XXXX XXXX accounts as recently as XX/XX/XXXX with Experian repeatedly refusing to open the FCRA dispute. XXXX XXXX XXXX is reporting the wrong amounts and wrong dates to Experian by their own admission to Consumer Finance Protection Bureau ( please see attached ) in ongoing efforts to extend the duration of irreparable to my credit report and rating score. The accounts were open in XXXX and XXXX respectively but are noted as XXXX. I do not have a contract with XXXX XXXX XXXX and these accounts are not in an open status. Experian should immediately delete the false and inaccurate reports being nade by XXXX XXXX XXXX. Experian should appropriately reage my credit score. Also, I am victim of a natural disaster and Experian has refused to update the report as such. 

XXXX XXXX XXXX statement on XX/XX/XXXX. 
" Business records provided to us by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract was formed when the account was used and that a balance of {$460.00} was due on the account when we purchased that account and its contract from XXXX XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. XXXX sent its initial notification letter regarding this account to you on or about XX/XX/XXXX, XXXX Business records also provided to us by XXXX XXXX reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in 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 2020-09-09 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: TX

Complaint narrative:
I have attempted to dispute XXXX XXXX reporting of XXXX XXXX XXXX accounts as recently as XX/XX/XXXX with XXXX repeatedly refusing to open the FCRA dispute. XXXX XXXX XXXX is reporting the wrong amounts and wrong dates to XXXX by their own admission to Consumer Finance Protection Bureau ( please see attached ) in ongoing efforts to extend the duration of irreparable to my credit report and rating score. The accounts were open in XXXX and XXXX respectively but are noted as XXXX. I do not have a contract with XXXX XXXX XXXX and these accounts are not in an open status. XXXX   should immediately delete the false and inaccurate reports being nade by XXXX XXXX XXXX. XXXX  should appropriately reage my credit score. Also, I am victim of a natural disaster and XXXX has refused to update the report as such. 

XXXX XXXX XXXX statement on XX/XX/XXXX. 
" Business records provided to us by XXXX XXXX XXXX ( XXXX ), XXXX. XXXX XXXX XXXX ) reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract was formed when the account was used and that a balance of {$460.00} was due on the account when we purchased that account and its contract from XXXX XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. XXXX sent its initial notification letter regarding this account to you on or about XX/XX/XXXX, XXXX Business records also provided to us by XXXX XXXX reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in 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 2020-09-09 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: TX

Complaint narrative:
I have attempted to dispute XXXX XXXX reporting of XXXX XXXX XXXX accounts as recently as XX/XX/XXXX with XXXX repeatedly refusing to open the FCRA dispute. XXXX XXXX XXXX is reporting the wrong amounts and wrong dates to XXXX by their own admission to Consumer Finance Protection Bureau ( please see attached ) in ongoing efforts to extend the duration of irreparable to my credit report and rating score. The accounts were open in XXXX and XXXX respectively but are noted as XXXX. I do not have a contract with XXXX XXXX XXXX and these accounts are not in an open status. XXXX   should immediately delete the false and inaccurate reports being nade by XXXX XXXX XXXX. XXXX should appropriately reage my credit score. Also, I am victim of a natural disaster and XXXX  has refused to update the report as such. 

XXXX XXXX XXXX statement on XX/XX/XXXX. 
" Business records provided to us by XXXX XXXX XXXX ( XXXX ), XXXX. ( XXXX XXXX ) reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract was formed when the account was used and that a balance of {$460.00} was due on the account when we purchased that account and its contract from XXXX XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. XXXX sent its initial notification letter regarding this account to you on or about XX/XX/XXXX, XXXX Business records also provided to us by XXXX  XXXX reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX continues to report the XXXX XXXX account XXXX as derogatory charge off over seven years later. This reporting is 10 years old and the account was open in 2008, 12 years ago!!! 
Despite multiple dispute attempts and countless phone calls XXXX   has refused to remove the egregious information. XXXX XXXX is also reporting the egregious information to the other CRA 's Transunion 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 explanation