vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX representing TD Auto Finance LLC stating that I the consumer owed a debt of {$51000.00} violating Truth In Lending Act, Fair Debt Collection Practices Act and Fair Credit Reporting Act among others. On XX/XX/XXXX I pulled my consumer report and saw that they have the alleged debt reporting to the credit reporting agencies starting on XX/XX/XXXX falsely stating that I have a debt violating TILA, FDCPA, FCRA and it is defamation and is impeding on my ability to utilize my open consumer credit line. 

On XX/XX/XXXX I responded via certified mail with a Cease & Desist, Affidavit of Truth with Exhibits and a Bill of Particulars to settle these violations and to grant relief. 

I have attached all evidence and supporting documentation to settle this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  - XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  - XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The CAPITAL ONE account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1.
NISSAN MOTOR ACCEPTANC XXXX Date opened XX/XX/2019 Balance {$0.00} ; 2. NISSAN MOTOR ACCEPTANC XXXX Date opened XX/XX/2019 Balance {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, XXXX XXXX XXXX, is reporting late, yet it is close and the balance is {$0.00} as reported. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor delete this complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on Credit Bureau 's response to the written requests I sent regarding WILSHIRE CONSUMER CRED. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: IA

Complaint narrative:
Reporting inaccurate information..Account in questions in over 15 plus years old. and it was included in my bankrupts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on NCB MANAGEMENT SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have contacted Enerbank repeatedly, on multiple forums, asking them to mail me my full account balance monthly. They repeatedly refuse this request. They only mail me my principal balance, and they state they will not mail the total balance because interest accrues daily and the balance changes. But they are completely fine with only mailing me my principal balance. The only way to get total account balance is to either call them during THEIR business or by filling out a form online, for them to contact me back at THEIR leisure. I have called them on the phone, they refuse. I have emailed them, they have refused. I have filled out the form online, they have refused. I have filed a complaint with XXXX XXXX XXXX, they have refused. I have filled out reviews on XXXX and other financial webpages, they have refused. They have shown repeatedly they will not do what their customers want, which is extremely basic. People in the XXXX, XXXX, XXXX, XXXX ... and on have received mortgages, car loans, and other loan total balances on monthly statements. Enerbank refuses this repeatedly. People have been requesting account balances or even statements online for 9 years on review sites, and Enerbank refuses, saying " soon. '' 9 years and still no resolution is " soon '' according to Enerbank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
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: TX

Complaint narrative:
I purchased a new XXXX  XXXX XXXX XXXX back inXX/XX/2019. The vehicle starting giving problems a month or two after purchase. I took the vehicle back to the dealership with ( brake noises ) concerns, which turned out to be the rear axle. Even after the repairs, the problem still processed. So I started my XXXX XXXX case with the XXXX and XXXX. In the XXXX  letter of responsibility did no state I would have to cover negative equity, so I proceeded to purchase another vehicle to prepare for the repurchase. A week later XXXX sent over the repurchase letter, which stated I would owe {$14000.00}, in order for them to buy back a defective truck. I didnt have the funds so it triggered a repossession to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below the inquiry that is still reporting on my credit report and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : CREDIT PLUS Inquiry DateXX/XX/2021;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX I opened a checking account with Pentagon Federal Credit Union, having requested closed my previous account on XX/XX/XXXX at the completion of an auto loan. 

I did deposit money to open the account. 

I was never given access to my account online, and there is no branch for this bank. I tried countless times to work with PenFed customer service to obtain access, but every time I attempt to log into penfed, with my correct username and password, an error message appears. Penfed is holding my money hostage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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 recently viewed a copy of my credit report after being denied credit approval. Upon looking over my report, I see a series of misleading and inaccurate data being reported on my credit file. Please reinvestigate these accounts for inaccurate reporting. The FCRA and FDCPA mandate all data furnishings reported be accurate right? If deemed to be reporting as inaccurate then said account/accounts must be deleted from the credit profile immediately for violating the FCRA and FDCPA correct? The inaccurate reportings are already attacking my credit worthiness, diminishing my character and affecting my ability to obtain credit. I requested a prompt reinvestigation of these accounts immediately. 
Under FDCPA Regulation all accounts under dispute must be immediately removed from a consumers credit report until the full investigation is completed. You are in violation, I have repeatedly contacted your company with no regard. This is not a regular dispute this is a letter for you to command and comply. 

FDCPA 15 U.S. Code 1681i ( A ) ( 1.A ) All disputed information must be removed from a consumer credit report while it is under investigation. 

I have contacted Experian several times about these misleading and inaccurate accounts. I have a attached documents to the pervious CFBP complaints proving these accounts to be misleading and inaccurate. They also tried to claim it was a third party disputing so I called in and gave authorization for the to complete the investigation on those disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction in the letter I sent. Transunion, XXXX, and XXXX violated my rights as a consumer, I also included a screenshot of the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I requested my free annual credit report and credit profile and was denied even after providing correct answers to all questions. 

Please send my Credit Report and Credit Profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Item opened XX/XX/2021 and reported XXXX for {$420.00} by Convergent Outsourcing. The company in which I am writing this complaint never allowed me to dispute the information placed on my report. I never received a letter or notification of this item until placed on my credit report. I was not able to submit a letter because I never had an account number to dispute the item. When disputing the item with the credit bureaus, this company clients they did not violate the FDCPA, 15 USC 1692g allowing me to request validation of this debt. It has caused me emotional distress and mental anguish. When applying for work or credit this item is reflecting a character of nonpayment when I have not had this matter in quite some time. When asked to remove this item I was declined although no proof was provided to show the accuracy of the reported item by the collector or original owners of this debt. I have not documents to submit honestly because it never received any.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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:
On XX/XX/2020, I, XXXX XXXX submitted a dispute with Experian where my credit file showed consumer credit transactions with several creditors. I submitted to them that I did not give written permission in accordance with 15 USC 1681b for Experian to furnish these transactions on my consumer report. They responded back to me after 60 days saying that they verified these accounts. These were an approval for a specific extension of credit and these accounts should be excluded from the report in accordance to 15 USC 1681 ( a ) ( 2 ) ( b ). The fact that Experian verified/validated this and yet failed to follow the law has caused me great stress! I will be submitting this to the Attorney General. I want theses items removed from my credit file immediately. I will also be sending an attempt to sue if these things are not removed from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 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: Conn's, Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, CONNS, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: UNITED SECURITY FINANCIAL
State: LA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, XXXX XXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX XXXX XXXX, XXXX- Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was unable to get my free credit report and credit profile after I answered all questions correctly.

Company response to consumer: Closed with explanation