vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-13 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:
I filed a police report with XXXX Police Department in Texas with the Report # being XXXX on a case of identity theft with XXXX XXXX XXXX XXXX under account # XXXX across all three credit bureaus. I had a fraudulent credit card opened in my name which I regret doing I paid this account off after numerous attempts to collect debt from me from XXXXXXXX XXXX XXXX XXXX  My information was exposed in a data breach on the dark web and with me being young at the time I didn't know that I could dispute identity theft and I thought that I had to pay this credit card even though I had my identity stolen and I had no idea about disputes. XXXX had also told me that if I paid this account this account would be put behind me and be removed from my credit report and would no longer hurt me. For the past 6 months this representative and discover lied to me. I am still being affected by this fraudulent credit card that was opened in my name as this account has 6 late payments and still isn't removed from all 3 of my credit bureaus. I sent in the police report along with FTC reports to all 3 bureaus with no avail. I need the CFPB help with this situation as I have no where else to turn 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 non-monetary relief
Consumer complaint received 2022-02-13 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: TX

Complaint narrative:
I filed a police report with XXXX Police Department in Texas with the Report # being XXXX on a case of identity theft with XXXX XXXX XXXX XXXX under account # XXXX across all three credit bureaus. I had a fraudulent credit card opened in my name which I regret doing I paid this account off after numerous attempts to collect debt from me from XXXX XXXX XXXX XXXX. My information was exposed in a data breach on the dark web and with me being young at the time I didn't know that I could dispute identity theft and I thought that I had to pay this credit card even though I had my identity stolen and I had no idea about disputes. XXXX had also told me that if I paid this account this account would be put behind me and be removed from my credit report and would no longer hurt me. For the past 6 months this representative and discover lied to me. I am still being affected by this fraudulent credit card that was opened in my name as this account has 6 late payments and still isn't removed from all 3 of my credit bureaus. I sent in the police report along with FTC reports to all 3 bureaus with no avail. I need the CFPB help with this situation as I have no where else to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: TX

Complaint narrative:
I filed a police report with XXXX Police Department in Texas with the Report # being XXXX on a case of identity theft with XXXX XXXX XXXX XXXX under account # XXXX across all three credit bureaus. I had a fraudulent credit card opened in my name which I regret doing I paid this account off after numerous attempts to collect debt from me from XXXXXXXX XXXX XXXX XXXX  My information was exposed in a data breach on the dark web and with me being young at the time I didn't know that I could dispute identity theft and I thought that I had to pay this credit card even though I had my identity stolen and I had no idea about disputes. XXXX had also told me that if I paid this account this account would be put behind me and be removed from my credit report and would no longer hurt me. For the past 6 months this representative and discover lied to me. I am still being affected by this fraudulent credit card that was opened in my name as this account has XXXX late payments and still isn't removed from all 3 of my credit bureaus. I sent in the police report along with FTC reports to all 3 bureaus with no avail. I need the CFPB help with this situation as I have no where else to turn 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
Consumer complaint received 2022-02-13 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
My name is XXXX XXXX and I am a consumer submitting this complaint myself. There's an account on my consumer report that is reporting delinquently and inaccurately. 

First of all, the account payment history is included when in fact the FCRA says that a consumer report must exclude the following : report containing information solely as to transactions or experiences between the consumer and the person making the report. 

In this case, AFFIRM INC is the furnishing the very thing that is excluded from the consumer report which is the transactions and experience between myself and the corporation, AFFIRM INC .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have sent several disputes in the past to have account ( s ) reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THIS IS A COMPLAINT ON TRANSUNION XXXX AND XXXX THESE COMPANIES CONTINUE TO REPORT INACCURATE INFORMATION AFTER BEING PUT ON NOTICE THIS IS NEGLIGENT ON THERE PART AND A VIOLATION 1 5 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. THEY KEEP REPORTING THESE TWO COLLECTION COMPANIES AS OPEN ACCOUNTS AND I NEVER GAVE CONSENT PERSUANT15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am not an attorney. This is regarding my personal consumer file and my federally protected rights as a consumer according to the FCRA and FDCPA. I assumed the vital role of my life/consumer file and opted to request a debt validation from Toyota Motor Credit sent on XX/XX/XXXX and received by them on XX/XX/XXXX. Not only have they actively ignored my request for validation and exceeded the 30 days I gave them to provide validating documents, but they've also disregarded my Cease And Desist letter and continue to communicate with me by furnishing negative items on my consumer report as well as through other mediums. I still haven't received a response and as of today XX/XX/XXXX it has been 159 days later. I gave them more than enough time to find what they could muster up. I expressed in both pieces of documentation that if they were not going to validate the alleged debt ( rather than verify it ), then they were to delete all references regarding the alleged account and completely remove them from my credit file. I expressed that during the validation period, pursuant to 15 USC 1692c ( c ), that all collection activity must cease and desist. They have continued to demand money from me and threaten me with negative/false consumer reports even though I never gave them permission to use my personal private information to report anything to any consumer reporting agencies. My Social Security Card is considered a credit card according to 15 USC 1602 ( l ). My consumer credit transaction with them involved my credit card. As stated in 15 USC 1681 a ( b ), any authorization or approval deriving directly or indirectly from a credit card should be excluded from a consumer report. Also, any obligation authorized through a credit card is an obligation assumed by, and deferred to, the United States according to 18 USC 8. Further evidence that the alleged debt does not belong to me. 15 USC 1692g ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. Toyota Motor Credit has violated me in many more ways and are ruining life opportunities for me by consistently reporting fraudulent and inaccurate information. You will see in the pictures that I include that they quite literally report the same monthly payments as both on time to some agencies and late to others- clearly inaccurate and false. I am demanding that they either reflect positively on my consumer files or completely remove themselves from any and all files associated with the characterization of my credit. As well as monetary relief as outlined in my documentation, and the title to my vehicle lien-free .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This issue has not been fixed after repeated letters and calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XXXX I sent a Notice of validation of debt pursuant to 15 USC 1692g, asking for the accounting, particularly the balance sheet, showing that I owe this alleged debt. 
XXXX I received a letter from Credit Acceptance , asking me to settle the account without sending me the requested material and validating the 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 2022-02-13 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: KY

Complaint narrative:
I have sent several disputes in the past to have account ( s ) reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but XXXX and Experian have not. The latest letter I sent to XXXX and Experian to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX nor Experian, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.

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 2022-02-13 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: GA

Complaint narrative:
My name is XXXX XXXX. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly ? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of the FCRA  you are required to ...promptly DELETE all information which cannot be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance (Section 617) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I demand the following accounts be verified or deleted 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 non-monetary relief
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have sent several disputes in the past to have account reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.

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 2022-02-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This issue has not been fixed after repeated letters and calls

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 2022-02-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This issue has not been fixed after repeated letters and calls

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 2022-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Betterment LLC
State: PA

Complaint narrative:
It all started with my processing a withdrawal from Betterment on XX/XX/XXXX. I received an email on that date stating that the withdrawal would process on XX/XX/XXXX. It has still not shown up in my account, despite their claim of it being in my bank account in 4-5 business days. This was about {$970.00}. After growing suspicious I attempted to close the account, by turning off reoccurring deposits, which I did on XX/XX/XXXX. The same day, I received an email saying that my account had been temporarily suspended and I needed to contact customer support. As this was a Friday evening, I waited to call until Monday. I called the company on Monday XX/XX/XXXX and spoke to someone who said my account had been suspended by their operations department and he could not tell me a reason why. He said the company was closing the account and that it would take multiple weeks for me to see the money return to my account. Now, on XX/XX/XXXX I still have not had any money return. At the time of the suspension, there was still {$1100.00} in the account that I do not have access to. I also have continued to get emails from the company that seems to be automated ( I got one today, XX/XX/XXXX, updating me on the progress of my investment, which I have no access to. It has been a nightmare situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received gift cards for my XXXX children for {$100.00} each. ( XXXX cards ) As I tried to activate the card it stated that there was no funds in the cards. I called the consumer services at XXXX And they stated that there was fraud and that they will go ahead and issue me a new card. On XX/XX/22 I received new card and activated both cards again for {$100.00} each and set up a pin per institutions. 
I went to XXXX in XXXX, Ca and tried using the cards and is was invalid again. 
I called customer service again and they said that due to fraud card was disabled. These people are frauds and they shouldnt be allowed to sell cards. I asked their company name they wouldnt provide it. The gentleman stated that they are unable to provide that information. He stated he will reload and that I should be able to use the cards in 1 hour. No consumer should go to the extend of frustration to use a card that was a gift and unable to use it for months now. This was a XXXX gift for my kids. They are purposely not allowing consumers to use the cards and that they get frustrated and throw the cards away and they keep the money. There shouldve be able to sell! They are fraud!!! 
XXXX info : XXXX XXXX My name is XXXX XXXX XXXX : XXXX Phone : 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 2022-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I made my original purchase from XXXX XXXX  XX/XX/XXXX for the amount of XXXX. I had returned to the store XX/XX/XXXX due the item had not been delivered. The second purchase was made for the amount of XXXX, but the XXXX was not properly credit. I upgraded the next purchase to another mattress with a base for the amount of XXXX minus the XXXX cost for the second purchase, that was returned. The third purchase was delivered adding a charge of XXXX. In XX/XX/XXXX I realize there was a over charge on my bill. I made a dispute with Synchrony, I also made contact with XXXX XXXX with no success of getting this properly taken care of. I should have been charged the cost of XXXX for my purchase. In XX/XX/XXXX I had a balance of XXXX. Thanks to the spreadsheet Synchrony provided I was able to locate the error.

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 monetary relief