vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : US SM BUS ADMIN ODA Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-11-04 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: NJ

Complaint narrative:
I am a victim of identity theft

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 2020-11-04 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: NJ

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: NJ

Complaint narrative:
I am a victim of identity theft

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 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Lured by attractive terms ( i.e. no foreign transaction fees, no annual fee during the first year ), i opened a Barclays card in XX/XX/2020. Shortly, i received and activated the card. IF Barclays had signed me up for a different card than their offer to which i responded, Barclays NEEDED TO NOTIFY MEnot in a small pica footnote, but prominently enough for me to re-consider opening the card. Barclays did not. I used the card shortly thereafter while traveling abroad. 
Since my monthly payments were on AutoPay, my initial payment included the {$99.00} erroneous fee. Recently seeing what had happened, I phoned Barclay 's " customer service '' line twice, but BOTH times the Barclays system dropped my call. After one hour ( on those two calls ) i was able to accomplish NOTHING, even though the second Barclays agent correctly repeated my phone number and promised to call back if we were disconnected. He never did. 
In response to my demand letter, Barclays refunded the credit balance on my account but refused to refund the {$99.00} fee i should NOT have been charged. In closing the card this morning, Barclays agent XXXX confirmed that Barclays internal records reflect that my account was indeed a non-annual fee account for the first year. 
I now see in searching reviews of Barclay cards that this bait and switch technique is fairly common with Barclays. You apply for one card with certain benefits, Barclays sends you a lesser card and FAILS to note WHATSOEVER that the card they sent is NOT the card you applied for. This deceitful operating procedure MUST BE STOPPED.

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 2020-11-04 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: FL

Complaint narrative:
Only address should be on file XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Legal name : XXXX XXXX I am in dispute of all accounts showing Delinquent or charged-off, late pay on closed accounts, alerts on report with no basis, such as an account. 
3rd party accounts showing active And delinquent, no certified contract proving relationship..to validate the accounts please provide certified copy of original contract.. No other document will properly verify alleged debt.

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$6000.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

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 2020-11-04 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: FL

Complaint narrative:
Only address should be on file XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Legal name : XXXX XXXX I am in dispute of all accounts showing Delinquent or charged-off, late pay on closed accounts, alerts on report with no basis, such as an account. 
3rd party accounts showing active And delinquent, no certified contract proving relationship..to validate the accounts please provide certified copy of original contract.. No other document will properly verify alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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 am a victim of identity theft

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 2020-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: WA

Complaint narrative:
This was my first loan I have ever taken. I owned my XXXX XXXX outright meaning I owed no money on it. When I initially took out the loan they were very quick and eager to get me to sign documents I didnt even know I was signing. The way they had it set up I didnt even get to read the real agreement. I am on time with my payments currently and I got a letter in the mail saying since I did such a good job with payments I was able to take a XXXX loan out after my next payment and the advertisement said keep my same low interest rate. That was a complete lie, my payments at that time were XXXX dollars a month. I borrowed {$7500.00} and after 5 XXXX dollar payments I still owed more then what I borrowed. After I took out the XXXX dollar loan I got a letter saying my other loan account had been closed and a new one opened. I called and ask them what the deal was I was assured that my interest rate would continue to go down instead they informed me that taking out the new XXXX dollar loan my interest rate now was 115 % and that my payments would be {$880.00} a month for 36 months. That was that and that was final. AGAIN I DID NOT SIGN THAT OR AGREE TO THAT. THIS COMPANY IS FRAUD THEY ARE LIARS AND THEY NEED TO BE BROUGHT TO JUSTICE. I READ THE MOST INTEREST RATS THAT CAN BE CHARGED IS 12 % Washington and 10 % Utah. IM BEING CHARGED 115 %! they totally took advantage of me they obviously knew I had no experience in taking a loan Out. They are literally trying to Make it so hard for me to pay this off they want to take the car. They dont want the loan Paid off. I need help what they are doing is completely illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: IL

Complaint narrative:
In the results of your first investigation, you stated in writing that you verified that this item ( DIVERSIFIED ADJUSTMENT ) is being reported correctly? how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that EXPERIAN PROVIDE ME with competent evidence that I have any legal obligation to pay this debt. 

1. Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. Please provide a copy of the last billing statement sent to Consumer by the original creditor ; 3. Please provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above- alleged account ; 4. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 5 ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.

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 2020-11-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$6000.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

3.XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

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 2020-11-04 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: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
In the results of your first investigation, you stated in writing that you verified that this item ( DIVERSIFIED ADJUSTMENT ) is being reported correctly? how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XX/XX/XXXX PROVIDE ME with competent evidence that I have any legal obligation to pay this debt.

1. Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. Please provide a copy of the last billing statement sent to Consumer by the original creditor ; 3. Please provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above- alleged account ; 4. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 5 ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
To whom it may concern, I moved to California from XXXX due to a job relocation on XX/XX/XXXX. Coming from a different city and originally located in the XXXX XXXX, I carried with me only my personal belongings. Therefore, once I arrived to XXXX XXXX, XX/XX/XXXXdue to the transportation being mainly here with a personal vehicle I prioritized this task first. I went to many dealerships and just when I was about to give up I went to XXXX XXXX. There on the evening of XX/XX/XXXX ( I remember because it was my Mothers Birthday ) the sales man showed me the XXXX  XXXX. They told me that this was basically the car to have, that I would be able to drive in the carpool lane alone, that it has no emissions, seat warmers, keyless entry, navigation ( GPS ), bluetooth, leatherette seats, auto-brakes, blind-spot warning, etc ... But one of the most important things is that the car would hold its value and that they would give me a card with $ XXXX to be used on fuel for the next 3 years. I purchased the vehicle for $ XXXX ( If I recall correctly ) and I gave $ XXXX down payment. 

Fast forward to XX/XX/XXXX, after the pandemic hit I have to make the hard decision to leave from California ( due to the pandemic ) so I went in to XXXX  XXXX again since the fuel for this Car is only in California I can not take it with me ( its liquid hydrogen - fuelcell XXXX - so I was hoping that I could trade-it in for a car that uses gasoline. The sales man was about to trade it for a XXXX when his boss came to speak to me to give me the terrible news that they can not accept my car as a trade-in. I was like, what?! Why?! ... They said that the car lost so much value that they could only accept it if I gave $ XXXX cash. Which it is just unreal. I bought the car, certified pre-owned from XXXX which typically already it had lost the biggest amount of value but now they are telling me that a car that I bought less than a year ago and which I still owe $ XXXX on it its worth around $ XXXX - I bet you can feel how ripped off I feel by the company. Not only that, they are still selling this car for more than $ XXXX which is the worst part since I feel that not only me but they are fooling other people. 

Now I am extremely frustrated that such a big company with a strong reputable brand played me for a XX/XX/XXXX and now I owe a car that I can't re-sell and they wont trade-in for a car that I can use out of state. 

This is why I feel like my only hope is to file this complain through you with a huge hope that you can help me find a solution to this terrible mismanaged situation as a consumer I have been robed, this is just not acceptable and they are still doing this to other consumers. I have the car loan with them - Toyota Financial. 

I humbly ask if there is something you can do to help me and also help others avoid this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc.
State: IL

Complaint narrative:
With SEVERAL INCONSISTENCIES ( shown below ) reported on XX/XX/XXXX and XXXX account how could this be accurate? Please delete immediately I have received documentation from Dyck Oneal but on the file that was sent to me has false information reported. 

1. The address reported on the file i never resided at this location. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 2. E-signature is invalid. Please provide a valid basis bearing Consumer wet-ink signature ; 3. The Bank information reported on this Authorization Form is incorrect. I never had a XXXX XXXX  Account i am requested the information 1 ) Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 2 ) Please provide me a verified certificate of authority, and/or proof that your company are licensed to collect in my State ; 3 ) Please provide a Statute of Limitations expressly authorized by the agreement ; 4 ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: P.S.C., Inc
State: MT

Complaint narrative:
Puget Sound Collections indicated I had to submit " proof '' that it was on my XX/XX/XXXX report, which is attached

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 2020-11-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
A transaction of XXXX disputed on XXXX XXXX.us bank reliacard services credited my account XX/XX/XXXX of XXXX and I received a letter stating the credit.with an apology for any inconvenience. My card has been inactivated and my funds frozen .i have called, spent over 20 hours speaking with representatives or waiting on hold. I have faxed documents sent self-identifying photos 5 different times to no avail.i need access to my funds to this day XX/XX/2020.

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