vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The XXXX  system doesnt not provide complete social security numbers because it would be against privacy laws. Similarly companies such as XXXX, XXXX, and other third-party sources can not be 100 % accurate in the provision of their information to credit reporting bureaus because it would be against the fair credit reporting act. For the credit reporting bureaus to make this claim it would that my privacy most certainly has been violated. The CFPB is designed to protect my privacy and false reporting of information these bureaus can not claim to have. 

15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 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: DE

Complaint narrative:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LATE OPEN ACCOUNT : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
the date of last activity and the date of reporting is wrong they are both ilegally being reported and qualify to be deleted now and an account Iwas never late on

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 2022-03-07 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: NY

Complaint narrative:
I sent the credit reporting agency an FTC ID Theft Affidavit over week ago along with proof of identification. After following up to confirm receipt, I was informed by a representative that my Driver 's License was illegible and that I needed to resubmit. I then uploaded the required documents again and then followed up a couple of days later. Since then I have spoken with several agents and have received several conflicting instructions including one that told me to re-upload and confirm receipt two hours later, another that gave me a fax number to send it to, which I did. I was then later told by another agent that Experian doesn't have a fax #. So, at this point, I keep getting different information every time I speak with someone new and my issue has yet to be addressed.

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 2022-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: RGS Financial, Inc.
State: MI

Complaint narrative:
I had opened and used a credit card at XXXX. My intentions were good but adverse conditions including job loss, extremely high medical bills, personal injuries and a very sick wife who requires constant attention and care. The cost of providing care and loss of my job prohibited me from being able to pay this debt. I have explained this numerous times but the collection company continues to call only adding to my wife 's XXXX XXXX XXXX The amount owed is approximately XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: CarMax, Inc.
State: CO

Complaint narrative:
My partner XXXX XXXX and I bought a Car from Carmax in early XXXX ; we paid our monthly payments almost always on time until we were hit by financial fraud and crime. We called Carmax and made a arrangement to pay at a later date than usual. Carmax agreed. Instead in the wee hours of the morning, the day after the phone call to Carmax they came and repossessed the car, taking at least {$10000.00} or more of our belongings as our car was full to the top with valuables. Along with this, went all our paperwork on the car loan. When they took our car we had paid almost 50 % on the value of the car which was {$10000.00} when we got it in XXXX. 

Thereafter since XX/XX/XXXX when Carmax reposed the car, they are claiming we owe the full value of the car. Now how do we owe the full value of the car when they repossessed it after we had paid almost 50 % of the car loan? And how do we owe anything after Carmax stole all our belongs in the car? Im confident they sold the car for more than we paid for it, and we already had a complaint into them because we had to pay to have the head gasket replaced within the first year we bought the car.This cost {$600.00}. 

Carmax is a corrupt fraudulent company!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is reporting a negative account on my credit report that I know nothing of..I did not authorize that to be on my report. I asked Bank of America to validate the account by providing me with my signature on the original application. They never provide me with any such thing. They send me a letter saying that " there is no account So there is nothing to validate... If there are saying there no such account that mean they are illegal reporting inaccurate information on my credit profile. I want the account XXXX to be removed from my credit report profile 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 2022-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received a statement from Target on XX/XX/XXXX in the amount of {$31.00} that was paid in XXXX ( Check No. XXXX ) which was cashed by Target Bank on XX/XX/XXXX. On XX/XX/XXXX I received a statement in the amount of {$61.00} which included the XXXX balance of {$31.00} plus a non-payment fee of {$30.00}. on XX/XX/XXXX we called Target and were told to send our bank information as proof of payment. The proof of payment was faxed to ( XXXX ) XXXX as requested on XX/XX/XXXX as requested during the XX/XX/XXXX call with Target. .On XX/XX/XXXX I received another bill from Target with an additional {$29.00} fee charged bring the balance to {$90.00}. Target was contacted again to remind them this account balance was under dispute. On XX/XX/XXXX I received confirmation of the credit card billing dispute saying I would not be billed while the account was under dispute. On XX/XX/XXXX I received another collection letter from Target. Called again on XX/XX/XXXX to discuss the dispute issue and find out when it would be resolved. Today I received a statement dated XX/XX/XXXX with another {$33.00} late fee bring the balance due to {$120.00} along with a letter from XXXX XXXX XXXX XXXX debt collector for the amount due. I called again today and realized it is useless to continue to contact them regarding regarding this issue. They promise a Dispute Manager will get back to me and no one ever calls. I have an excellent credit record and am concerned that their inability to resolve this issue will affect it. Thanking you in advance for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I reached out to the company a month ago in order to try to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: MD

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-07 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: MD

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-07 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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: DE

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LATE CLOSE and CHARGE OFF ACCOUNT : XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : 1,500.00

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota has not reported my account to the credit bureaus, i went to XXXX Toyota dealership to trade my current car, but surprisingly when they ran my credit, this account didn't appear on my credit report. i called the credit bureaus and they confirmed that this account does not exist on any credit report. so i called Toyota Finance and i was asked to send them a formal letter. i did. also i have been calling them every other day to follow up on this case, but each time i had to repeat myself. seems they kept ignoring my request to my right to have a 100 % accurate credit report. i requested them to report this account to the credit bureaus so it appears on my credit file. Please i need this account to be reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was taken advantage of several laws were being broken under the fcra by your company this is causing financial injury, defamation if character I can't apply for credit under theses crisis can't uptain credit. Credit report not accurate with 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 2022-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2022. I went to Wells Fargo ATMs to deposit money into my checking account. The first ATM I tried said it couldn't receive my deposit. So it returned my cash XXXX. So I went to use the next ATM next to it and without a problem I deposited XXXX into my checking. Next day I checked my account and it said I had pull out XXXX from my savings account from the first ATM when I never did. I reported it to Wells Fargo and they basically told me that I withdrew the money and that the claim was closed and I couldn't do anything about it.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this claim regarding the business spark credit card account ending in XXXX I have with XXXX  XXXX in regards to the excessive amount of incorrect past due fees, increasing the credit balance thus have been incorrectly reported to the credit bureaus : Transunion, XXXX, XXXX, and XXXX XXXX XXXX. 

The following past due fees were assured to be removed by a supervisor I spoke with in XXXX of XXXX, since the XXXX XXXX dashboard would not let me add any type of payment card to make payment on-time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total amount of late fees that were assured by XXXX  XXXX to be removed : XXXX XXXXXXXX  XXXX has not removed these late fees of {$150.00} and have incorrectly reported two missed payments to Transunion in addition to reporting the wrong balance of XXXX, causing my card to exceed the {$500.00} limit. 

Therefore, I would like the past due fees from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX removed from my account, making my total credit balance- XXXX  I came to this calculation by deducting the past due fees of XXXX from the current incorrect balance of XXXX 
I would also like the interest expense adjusted accordingly. 

I have been trying to resolve this issue for months, each time I am referred to a different XXXX  XXXX representative who assures me this issue will be resolve and I should see this reflected on my credit report within a few business days. 

XXXX XXXX has affected my ability to obtain new credit and has tarnished my personal and business credit reputation on the basis of incorrect information. 

I would like this issue resolved immediately as I feel this is very unfair as XXXX XXXX is at fault. 
Additionally, I have called XXXX XXXX on several occasions to switch credit card types-from the XXXX  XXXXXXXX XXXX XXXX XXXX to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Every time I call making this request, I am given the broad answer of " Unfortunately we can not switch your card at this time, because the system will not allow us too '', which does not provide a reasonable explanation to the hard inquiries ran on my credit report and I do not receive any additional information, including by mail, on the reason I could not switch my credit card type. 

Doing business with XXXX XXXX, personally or as a business has been very inconvenient and frustrating to say the least. I hope to shed light on this situation, so others can avoid similar situations.

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 2022-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX # XXXX, XXXX, FL This company is threatening me through Credit Management LP to create a debt collection, I received a call from an agent that works for Credit Management called XXXX XXXX, asking me for confidential information, the debt was from XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX # XXXX, XXXX, FL - For services provided on XX/XX/2021 - When I called the collection agency to find out why I received this, they told me that XXXXXXXX XXXX XXXX XXXX sent me an invoice three times and they never received payment. I NEVER ONCE RECEIVED ANY INVOICE FROM THIS COMPANY. Upon further investigation, I found out that this company never even attempted to file a claim with my insurance company. I have made a payment through Credit Management LP but it is still showing as pending. I need this company to STOP charging me for services not rendered, to STOP threatening me through Credit Management LP to affect my credit, and to STOP asking me for confidential information over the phone. I hope to solve this problem.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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