vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient was the loan servicer of my student loans. They have since been involved in a class action law suit. I am due retribution of {$260.00}. I am unable to get a reissue on my check. I fill out the form my North Carolina Attorney General 's off sent me. They are telling me they do not have record of my claim. I have seen the claim on an unclaimed property website. 
The check was issued in XXXX of 2022. It was sent to my previous address, and under my previous name : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have since remarried and changed my address : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I got account an inquiries that are inaccurate need to be removed from my report asap!

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 2023-05-19 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: LA

Complaint narrative:
A lot of inquiries that I have not approve. With Equifix, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
Several months ago I made a payment from my checking account to my credit card for {$200.00}. The bank did not automatically transfer the funds from the checking account, instead made a check for that amount and that amount has been floating around now several months. The local branch stopped payment of the {$200.00}, but it still shows in red on my account with a minus. 
Today I paid over from my checking account to my credit card, leaving a balance of {$130.00}, now I have red all over my my checking account saying I am in 'DANGER '' and overdrawn. 
They never credited the {$200.00} back to my checking accuont and the local bank is not doing anything so solve it. I want my {$200.00} back in my checking account. 
There should not be a minus {$200.00} on the side of my account. I should have the {$200.00} backas cash! 
This is very fruustrating. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: SC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Over 1 year after purchasing my leased Toyota vehicle, Toyota Financial Service is demanding payment for past personal property/excise taxes. Toyota Financial Services sent me 3 separate bills with no invoice, breakdown or justification for the amounts, only boiler plate verbiage that offers no reasonable explanation as to how they came up with the amount they claim I owe. They are demanding {$97.00}, {$98.00} and {$190.00} totaling {$380.00} and have threatened to forward to a Collection Agency. I called Toyota Financial Services to understand how they came up with each dollar amount, especially after I purchased my leased vehicle and terminated the lease in XX/XX/2022. Toyota informed me that they could not give me a justification or breakdown of each bill and that I would need to research that on my own. After complaining about the amount I owed, they suddenly demanded payment of an additional {$640.00}, again without any justification. I have not received a letter or bill for the additional {$640.00}, yet they are demanding payment for an amount I have never been notified or been given any type of notice. Again, threatening to forward to a Collection Agency regarding a bill Ive never received. Because I had the audacity to question their billing methods and reasoning behind their threatening letter, my bill now is supposedly {$1000.00}. Again, without any explanation or even a bill or notice, Toyota Financial Services is an enormous corporation that has the power to bully and extort its customers and ruin their credit history without due diligence or offering any reasonable explanation for their demands. This behavior is unconscionable and is tantamount to blackmail. Again, this feels like corporate extortion from a massive global company preying on its ( formerly loyal ) customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am formally requesting that you Validate all tradeline listings by Pentagon- XXXX for me, XXXX XXXX XXXX under account number XXXX. Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in a form of verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I have some contractual obligation in relation to that tradeline. 

Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute.

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 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had multiple fraudulent transactions on one of. my two Capital One accounts. I requested in XXXX that they close this account and to please send a debit card for my second account as I wished to start using that one more regularly. Five months later ( this week ) I finally received a debit card in the mail for the wrong account which they are refusing to close even though it has been compromised. They also restricted my account in good standing. Please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: MO

Complaint narrative:
United Wholesale Mortgage inaccurately reported a missed/ delinquent mortgage payment for XXXX of 2023 to the credit bureaus severely damaging my credit score. I have documentation that proves the payment was made. Attached is a screen shot from their own website verifying this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-19 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: MI

Complaint narrative:
Notice to Correct Credit Report Yo whom it may concern Please consider this a formal request to investigate and correct the following inaccurate hard Inquiry items on my credit report. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Dates of hard inquiries that need to be removed, Company Names & Numbers XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely, XXXX XXXX If you guys need anything from me, feel free to contact me anytime!

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 2023-05-19 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: MI

Complaint narrative:
Notice to Correct Credit Report Yo whom it may concern Please consider this a formal request to investigate and correct the following inaccurate hard Inquiry items on my credit report. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Dates of hard inquiries that need to be removed, Company Names & Numbers XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX If you guys need anything from me, feel free to contact me anytime!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to try to bring to resolution an identity theft perpetrated by an individual or entity using a synthetic ID of me through a Citibank account that if left uncorrected could be very detrimental to my financial standing and potentially incur financial penalties and sanctions from the IRS. 
I received a 1099-MISC tax form from Citibank stating that I had received {$830.00} in other income for tax year 2022 from an unknown ( to me ) Citibank account XXXX The 1099-MISC form was sent to me with the correct street address, state and ZIP code, but listed the town where I moved from 10 years ago, not my current town of residence. The last XXXXour of my SS number are correct, but the account number is not one I recognize from my decades of dealing with Citibank. 
I brought these facts up with customer service as well as speaking in-person with a local Citibank branch manager. I was told the account number was linked to an IRA through XXXX XXXX XXXX, and a fraud investigation was started. I was told I would receive a response/update in 3-5 business days by email. That was three weeks ago, and despite multiple calls, I havent received any response as to the status of this case.

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 2023-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GET A RATE LLC
State: FL

Complaint narrative:
Everyone I spoke to says I got a very bad deal and was taken advantage of when I brought my first home. As a first time home buyer I didnt know anything about the home buying process. My lender gave me an FHA loan for 7.625 % and apparently according to Eveyone I was taken advantage of and given a bad deal bc I am XXXX XXXX American. I feel I was given a predatory loan bc of my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I made a recent complain and never received a response. I received a check which I Will Not Cash!! The inappropriate way to try resolve this and they took more than this from me and are trying to tarnish my record. The account is closed but that isnt a reason to not try to resolve this with a {$60.00} check.

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 2023-05-19 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cascade Capital, LLC
State: IL

Complaint narrative:
I was mailed a judgement for a totaled vehicle loan debt that was sold to a collection agency. I looked up the judgement and it was closed. I received no court date and was not contacted by the company. A garnishment was issued to my employer 2 months later.im receiving government benefits. Wage garnishment is waived in this case. 
Event Date Docket Entry XX/XX/2023 PROOF OF SERVICE/CERTIFICATE OF SERVICE XX/XX/2023 MATTER ORDERED STRICKEN FROM CALL No one appears. Cause comes on for return on wage deduction. On Court 's motion, matter ordered stricken from the call. XX/XX/2023 NOTICE XX/XX/2023 AFFIDAVIT XX/XX/2023 XXXX/GARNISHMENT/WAGE DEDUCTION ISSUED XX/XX/2023 XXXX/GAR/WD/ISSUE- {$5000.00} FULL XX/XX/2023 AFFIDAVIT XX/XX/2023 NOTICE XX/XX/2023 XXXX/GARNISHMENT/WAGE DEDUCTION ISSUED XX/XX/2023 XXXX/GAR/WD/ISSUE- {$5000.00} FULL XX/XX/2023 Notice OF FILING XX/XX/2023 Notice OF FILING XX/XX/2023 AFFIDAVIT XX/XX/2023 FOREIGN JUDGMENT XX/XX/2023 CONTRACT {$2500.00} - {$10000.00} XX/XX/2023 STATUTORY MAILING FULL AMOUNT XX/XX/2023 File is Closed / Dismissed XXXX, The Clerk of the XXXX Judicial Circuit Court, XXXX XXXX, Illinois, All Rights Reserved. By using this service, the user agrees and understands that he or she is bound by the on-line access to Parties Offenses Financials Schedule Events Search End Important Covid-19 Related Updates : AO 21-30 Misdemeanor and Trac Zoom Protocols AO 21-36 Civil Zoom Protocols and Instructions ( If Ordered ) AO 21-38 Domestic Relations Court Zoom Protocols Family Judge Zoom Instructions XXXX , The Clerk of the XXXX Judicial Circuit Court, XXXX XXXX, Illinois, All Rights Reserved . By using this service, the user agrees and understands that he or she is bound by the on-line access to

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