vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
To whom it may concern I am writing to dispute the accuracy of the information on my credit report. Specifically, I am concerned about the false verification of information that is negatively affecting my credit score. 

According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), consumers have the right to dispute any inaccurate or incomplete information on their credit report with credit bureaus. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires credit bureaus to conduct a reasonable investigation into any disputed information and provide the consumer with a written report of the investigation 's results. 

In my case, I have disputed the accuracy of certain information on my credit report, and the credit bureau has verified it as accurate without conducting a reasonable investigation. This is a clear violation of FCRA Section 611 ( a ) ( 5 ) ( A ), which states that credit bureaus must investigate all disputes, including those deemed frivolous. 

Additionally, the credit bureau 's failure to investigate my dispute violates FCRA Section 611 ( a ) ( 6 ) ( B ), which requires credit bureaus to modify or delete any inaccurate or incomplete information within 30 days of receiving a dispute from a consumer. 

Therefore, I request that the false verified information be deleted from my credit report immediately in accordance with FCRA Section 611 ( a ) ( 6 ) ( B ) and that the credit bureau conducts a reasonable investigation into my dispute in compliance with FCRA Section 611 ( a ) ( 5 ) ( A ). 

Thank you for your attention to this matter. i was shot and robbed my id was apart while i was in XXXX  my idenity was used

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: WA

Complaint narrative:
I had a legal name change over two years ago, on XX/XX/XXXX. Shortly after, I updated my bank and XXXX credit card to use the new name. These were my only accounts at the time. Despite this, my XXXX credit card has not reported to my credit report for over two years. I have constantly tried to get this fixed. I have called XXXX and Experian countless times. I have mailed in a letter to XXXX authorizing them to fix the issue three times. I've made a previous CFPB complaint in XXXX, XXXX. After the latest round of calling XXXX I was told its out of their hands and future attempts to fix this would need to be directed at Experian. After three times of calling them, I was told there was a duplicate credit file under my deadname. Naturally, I asked them to fix it. This is already absurd, all my financial accounts have been under my current name for multiple years. In the several disputes I've made with Experian to fix this issue, every time the dispute fails to show information online, instead directing me to call their hotline, but luckily I found a workaround, something I shouldn't have to do, but by printing my dispute online, I'm able to view Experian 's comments and next steps. Now, I'm asked to provide information regarding my identity and name change, something I've already done before, but I did so again. This process took over 5 tries, as every time I tried to fill out the document upload form, it would time out and make me start over from scratch. I was unable to use my bank statement from my bank in the document upload as despite being less than XXXX, well under the XXXX limit, the site would not accept it no matter what, even though it is a PDF, which is what the site takes. All in all, Experian has handled this abyssmally on all accounts and I have no faith in their ability to ever get this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX To Whom It May Concern : This is concerning Account Number : XXXX. 

I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was a copy of alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. 

The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 

This is my second request. Please provide me with ALL of the following points of information : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in Illinois has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. 

I intend to take all legal steps available to me if I do not hear back from you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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: Synovus Bank
State: MA

Complaint narrative:
I have had an account with First Progress since XX/XX/XXXX. I noticed incorrect information and billing errors on my Consumer Report from First Progress. 
XX/XX/XXXX, I sent a letter and Truth of Affidavit to First Progress, requesting proof of all 12 late payments they have reported on my consumer report and I requested a credit limit extension .They have removed 8 late payments, then closed my account XX/XX/XXXX after sending a payment the previous month. 

After First Progress closed the account in my name and Consumer Information, I received another bill in the mail for XX/XX/XXXX ( a clear Billing Error ). 
I have mailed First Progress a letter stating that there are multiple Billing Errors on my Account and accounts should not be closed during investigations. 
This violates 15 U.S. Code 1666. 

This has caused hard to my Consumer Report and continues to cause harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have consistently disputed a Collection by Convergent Outsourcing for a XXXXXXXX  account they tried collecting on. I have already paid the collection off with Convergent Outsourcing and it continues to remain on my XXXX Credit Report despite how many times I have disputed the item that it has been paid and needs to be removed from my XXXX Credit Report. Furthermore XXXX Credit Reporting Agency has failed to honor my request and remove the item that continues to hurt my credit and keeps showing as an active collection on my XXXX Credit Report. Action to remove the item from further hurting my credit must be taken. 

Collector : Convergent Outsourcing ( XXXX XXXXXXXX XXXX Date Opened : XX/XX/ Paid : XX/XX/XXXX  Paid in XXXX  Amount : {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: OH

Complaint narrative:
I have been a victim of identity theft and sent letters along with my police report of the incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I submitted a complaint about this company because they were charging me interest for fraudulent charges and had not fully removed the fraudulent charges from my account. I refused to pay on this card because the creditor was not cooperating with me. I have a late payment on this account in XXXX of XXXX  that was never removed even though they agreed they made a mistake via letter XX/XX/2022. Please remove this late payment from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: WI

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I signed up for XXXX  low income internet. I was approved and a few months later we moved. I called XXXX to let them know I was moving my service and a technician came to my new place and installed a regular XXXX internet box with regular XXXX services and I had no idea until I received the bill. I called XXXX  and let them know I had the low income free school internet and no one could ever get this resolved. I want this immediately removed from my credit reports until XXXX  can come up with a better solution. This is not my fault. Even when I called XXXX  to get my service changed they transferred me to the XXXX  access department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I went to open a checking account with XXXX XXXX XXXX  and also XXXX XXXX in XXXX Maryland ( XXXX XXXX XXXX ). I was denied based on a " Chexsystems '' report. I called Chexsystems and downloaded my report dated XX/XX/2023. Under " Reported Information '' my report says " No Information Found ''. As such I am not sure how I can be denied an account based on XXXX report if there is nothing on the 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 2023-04-03 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: WI

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2023-04-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX are not follow your law Section 605C of the Fair Credit Reporting Act. XXXX removed the items I disputed, but the two CRA 's listed stated that I did not provide the requested information the needed in order to remove the items, address and telephone numbers that I ask to be removed. I provided a copy of the reason why they did not complete the process of removing the inaccurate items. Both Experian and XXXX stated in their letters that I did not provide the victim determination documentation. This is untrue, I provided the same documents to XXXX and it was also notarized. 

XXXX under confirmation # XXXX letter sent on XX/XX/2023 stated that they sent me out two notices so that they can correct the problem. I only have the one notice which is the only letter they sent me. I will provide a copy of the letters both CRA 's sent to me. I will also include a copy of the letter from XXXX removing the adverse information that resulted from being a victim of 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 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: GA

Complaint narrative:
A.R.M. Solutions is dunning for a debt I already paid. They cite a {$51.00} balance with XXXX XXXX. I cancelled service effective XX/XX/2022. I was paid up through XX/XX/2022. 

I contacted XXXX XXXX. They said they had credited my last payment to the wrong account, and that they would correct their books and notify A.R.M., their collections division. 

I sent copies of my last XXXX XXXX invoice and my cancelled check to A.R.M. 

Unfortunately, collection efforts continue. I received another letter to day, threatening to report this improper debt to a credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please note, this is not a duplicate complaint, this complaint is due to new evidence on my report of incorrect information on my report. 
I'm not using any third party for this matter. 
I have mailed dispute letter to Equifax for incorrect information on my report : regarding of account - XXXX, XXXX. - XXXX I asked Equifax to remove this account from my report as it shows incorrect information, Equifax has sent me a letter that information was verified as an accurate. I have included the copy of my report from Equifax, that I highlighted incorrect information. They didn't update any information on my report as a fact they didn't investigated properly. They keep reporting on my report incorrect information, such as AVALIBALE BALANCE, How account can display available balance if it shows closed?. The payment history of the account is also incorrect. 
The similar situation with XXXXXXXX XXXX XXXX - XXXX. The balance is incorrect, it shows available balance, while account is closed, the payment history is incorrect, the date of las activity is incorrect. 
According to FCRA my report should provide ONLY CORRECT INFORMATION, otherwise incorrect info must be deleted. 
I have included ALL supportive documents for this matter with copy of my report from EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
I have a previous complaint regarding advance advance complaint # XXXX. Within this complaint advance America RESPONSE dated XX/XX/2023 stated that I couldnt set up an extended payment plan on a line of credit Until account goes into default. This was inaccurate because I called advance America today XXXX XX/XX/2023 regarding setting up an extended payment plan and supervisor XXXX in collections dept informed me that there was not an extended payment plan offered or extended to me for no explanatory reason although account is NOW in DEFAULT status. Im trying to pay this company back but it seems they are only into the business of wanting to restart or resume account to accumulate more fees to be paid to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
NOTICE OF DISPUTE I've tried multiple times to resolve this with Equifax. Equifax has done nothing more than delay. They previously came back and said the accounts are verified. I am asking once again that Equifax provided me with documentation that I am LEGALLY OBLIGATED bound to to pay this alleged debt. Equifax has received identification information several times. Please be aware that this is resulting in financial hardship. Failing to respond in legal and lawful manner will result in additional actions. Failing to respond within 7 calendar days will be interpreted as your admission that this debt is invalid. Please authenticate and provide me proof that I am, '' LEGALLY OBLIGATED '' to pay this purported alleged debts. A simple answer of being " HAVE BEEN VERIFIED '' does not constitute an adequate legal or lawful response. Respectfully delete the following immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Check City Partnership, LLC
State: FL

Complaint narrative:
I took a loan out for {$1200.00} from Check City at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NV XXXX ( ( XXXX ) XXXX ) in XXXX of XXXX. I made 3 or 4 payments of approximately {$320.00} each according to the schedule set forth in the loan before losing my job and being forced to move to FL to live with my parents. I am on XXXX XXXX XXXXXXXX and without income from work only make a little over $ XXXX. When I called to speak with someone at Check City in XXXX to make the last payment, I informed them that I lost my income and they told me that the payment I was making at that time would cover the rest of what I owed them. I verbally authorized them to take that payment out of my account. Now, approximately 5 months later, they just decided to take {$830.00} out of my account without my authorization and refuse to reverse the charge. They claim that the agreement I signed when I got the loan included a clause that they could just take any amount out of my account they wanted whenever they wanted to, but they refuse to give me a copy of that agreement so that I ca verify that claim, and I don't believe it had any such clause. I have asked my bank to put a " stop payment '' on the charge and any further charges from them, and will be disputing the charge if/when it processes. I spoke with the branch manager at the location where I got the loan originally, as well as an individual at the company 's collections department, and neither of them were willing to reverse the charge or provide me with a copy of the terms of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: PA

Complaint narrative:
Requests sent on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to complete full investigations on all accounts & if they could not complete to delete the accounts from the credit report. To date all accounts are still reporting as a full investigation was not completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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: PA

Complaint narrative:
Requests sent on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to complete full investigations on all accounts & if they could not complete to delete the accounts from the credit report. To date all accounts are still reporting as a full investigation was not completed.

Company response to consumer: Closed with explanation