vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX th XXXX I went to XXXX XXXX to purchase a table. I was made aware of an interest free payment option multiple banks offer through XXXX  and the sales rep signed me up. I handed him my drivers license which has my previous address listed. I let him know that we just moved from XXXX XXXX to XXXX the previous month. I verbally gave him the correct mailing address in which he said he entered. I wasnt handed any paperwork but told that we would receive everything in the mail when the first payment was due. On XX/XX/XXXX th my wife noticed that there was a past due remark on my credit report she called using the information provided, let a Genesis manager know what happened, was credited back late fees and paid the balance in FULL. She was told that the negative remarks would be removed from our account. My wife called the number listed on the dispute notice with additional information supporting our dispute and was told on XX/XX/XXXX by XXXXXXXX XXXX XXXXXXXX that this letter has inaccurate information and we are not able to update additional information regarding this dispute. So Ive written this letter along with filed a complaint with the XXXX XXXX XXXX 

Here is additional PROOF that this attached : XXXXA copy of our official change of address submitted on XX/XX/XXXX with the US Postal Service -A copy of XXXX XXXX XXXX Appraiser Records showing we purchased our home at the corrected address on XX/XX/XXXX ( about a month BEFORE our purchase at XXXX XXXX ) - A receipt showing we filed a complaint with XXXX -A copy of my payment history with the credit bureau showing this is the ONLY late payment Ive had on my report in 15 years! 

We take our finances seriously. My wife was told today, XX/XX/XXXX by XXXX that she was contacted and that a woman picked up and said do not call this number again This did not happen and doesnt make sense since the very next month the same woman, my wife, called to pay the account in FULL. 
We are young adults that take our financial responsibilities serious. This negative remark dropped my excellent credit score XXXX points- this is unacceptable. This error was not our own and the remarks need to be removed. 

Any questions, call XXXX or XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: OneMain Finance Corporation
State: NC

Complaint narrative:
4 HARD INQUIRIES Have taken place on my credit, someone obviously has my SSN and it looks as though they are trying to secure a loan and obtain an apartment! UGH! I took a screenshot of the inquiries, then set up fraud alerts with all 3 credit bureaus. PLEASE TAKE THESE HITS OFF MY credit & adjust my credit score accordingly. I am trying DESPERATELY to raise my credit and I'm a homeowner I'm not trying to get a loan or an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: KS

Complaint narrative:
I have sent in electronic and written disputes. Experian keeps saying that it has completed an investigation but has ignored my requests for documentation. The account in question is a XXXX XXXX credit card ( XXXX ) The error occures inbetween XXXX and XX/XX/XXXX. There are almost XXXX dollars added to the balance. The card only had a limit of XXXX. What is more I paid that over 2 years ago and I am still seeing missed payments and an absurd balance. At this point Experian has refused to provide me any documentation of an acutal investigation and is in violation of my rights under FCRA. I ask that this account be removed immediatley!

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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to the Credit Bureau on XX/XX/2022 and XX/XX/2022 and have not received any response via mail or any other communication regarding the accounts that I have requested verification and validation of the debit. According to the FCRA credit bureaus are required to validate each debt they report with in 30days and reflect on a consumer 's report to ensure the validity of that debt with an original signed contract for validity of the debt. No action has been taken because I have repeatedly sent letters and have not received any response in a timely manner nor do I have an original signed contract stating regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was incarcerated from XX/XX/XXXX - XX/XX/XXXX and released on XX/XX/XXXX. Upon my release I went to my financial institution, Wells Fargo, to cash a check and make a withdrawal when I was informed that my checking account was empty, prior to my arrest my checking account had well over {$11000.00} in it. The bank teller printed me out copies of my statements and I informed her that this was fraud, I them made an appointment to speak with a banker to file a claim. After the claim was filed I waited for the outcome only to be told that the bank does not believe there was any fraudulent activity with my account. The bank did not ask for any prof nor did they inform me of how they investigated my claim. I have documentation to prove that I was incarcerated therefore there was no way that I could have made the transactions with my checking account. Im hoping that upon review of my documentation the bank will reconsider the outcome of the investigation and refund the funds that were fraudulently withdrawn from my account before I take the next step of legal action.

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 2022-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/2022

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 2022-05-23 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: NY

Complaint narrative:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance Owed : {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: NY

Complaint narrative:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance Owed : {$550.00}

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 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In early XXXX I deposited a check for {$200.00} from XXXX XXXX at an ATM in TD Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX The machine kept my card and the check and closed down. I parked and went inside and was told, Weve been having problems with that machine. The young man who took the report was quite polite and competent. He made me a new ATM card, and within a few days the money was in my accountfirst {$.00}, then {$190.00}. 
Routinely checking transactions by phone in XXXX, I learn that TD withdrew {$200.00} from my acct., plus a {$15.00} bounced check fee! Called TD and was told to call XXXX XXXX to see if they received duplicate checks. They did not and said it was a bank error. The bank did waive the {$15.00} fee but I still have not received the {$200.00}. 
I received a letter from TD with a copy of the check and a totally different reverse side Without my signature or acct. #. I have made multiple calls to different help centers of TD, hanging on phone for approximately 40 minutes each time! Was disconnected, the last person said that it was cashed at some other bank!!! Have been with TD over 30 years in XXXX region, and highly recommended them. No more!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23 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: KS

Complaint narrative:
I have sent in electronic and written disputes. XXXX keeps saying that it has completed an investigation but has ignored my requests for documentation. The account in question is a XXXX XXXX credit card ( XXXX ) The error occures inbetween XXXX and XX/XX/XXXX. There are almost XXXX dollars added to the balance. The card only had a limit of XXXX. What is more I paid that over 2 years ago and I am still seeing missed payments and an absurd balance. At this point XXXX has refused to provide me any documentation of an acutal investigation and is in violation of my rights under FCRA. I ask that this account be removed immediatley!

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 2022-05-23 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: KS

Complaint narrative:
I have sent in electronic and written disputes. XXXX keeps saying that it has completed an investigation but has ignored my requests for documentation. The account in question is a Capital one credit card ( XXXX ) The error occures inbetween XXXX and XX/XX/XXXX. There are almost XXXX dollars added to the balance. The card only had a limit of XXXX. What is more I paid that over 2 years ago and I am still seeing missed payments and an absurd balance. At this point XXXX has refused to provide me any documentation of an acutal investigation and is in violation of my rights under FCRA. I ask that this account be removed immediatley!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: TN

Complaint narrative:
XXXX, XXXX, XXXX and Equifax continues to report in accurate information on my credit report and refuses to correct the problems and conduct a proper investigation. Please review the screen shots from my most current XXXX report ( not a third party ) That shows my account status is Closed. I have also included the email thread from XXXX XXXX Who is a Sr. Level manager in the customer advocacy department . Who refuses to fix the problem despite the screen shots that clearly show the account status closed. They are reporting the account in XXXX and Equifax as being late when they should be reporting current and they are reporting the accounts 90 days past due when the account was suppose to be in approved forbearance. This company and the credit reporting agency have failed to do proper investigation and correct the my reports, despite my disputes. Even the president of the company was emailed about the problems and totally ignored my emails. Problems with this company have been reported to the state attorney generals office, CFPB and XXXX  and no one will listen or fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Upon reviewing my updated credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter of request to Experian Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Also, the Bureau was reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Inquiries : XXXX Date of Inquiry XX/XX/2021

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 2022-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CarMax, Inc.
State: TX

Complaint narrative:
On your site you guys stated that a downpayment isnt a requirement. But then ask me for downpayment on which was intentionally misleading after you guys stated a down payment isnt a requirement and some I feel thats false advertisement It shall be unlawful for any person, partnership, or corporation to disseminate, or cause to be disseminated, any false advertisement and not only that but a violation of 15 USC 1662 ( 1 ) and ( 2 ) just to switch the terms in order to defraud me which I cant seem to get over but not only that I dont see how you going to take a cash payment inside of of a credit transaction which i was in fact entering which a finance charge was going to be imposed which is the sum of all charges, payable directly or indirectly by the consumer to whom the credit is and extended, and imposed directly or indirectly by the creditor as a incident to the extension of credit addition to you guys pulling my credit report, i noticed third parties also pulled my credit report, all of them in violation of the FCRA as none of them is a creditor in such assignment transactions ; you is by law the only creditor but, by having no intention of extending the credit disclosed in the RISC, which you violated the FCRA at 1681b. 
And Under TILA an assignee is not a creditor. The credit-offering seller is the only creditor. An assignee is an entirely separate entity who assumes the creditor 's rights under a RISC if it chooses to accept assignment. If an assignee rejects assignment, the creditor continues to be liable under the RISC. 12 C.F.R. 226.2 ( a ) ( 17 ) ( i ) And as if you was trying to collect payments on a extension of credit would that be possible allegations of violations of 18 USC 894 im very horrified how the way you do business I wish you guys do more business and good faith instead of trying to defraud consumers especially with inflation going on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc.
State: MA

Complaint narrative:
This complaint involves a fraudulent card opened in my name through Avant credit card. I noticed an email on XX/XX/XXXX regarding I was approved for a card. I sent a follow-up email questioning this approval on XX/XX/XXXX. Also, I received an email the aame day that Avant was notified via XXXX for a discrepancy in addresses, yet the company still opened the account and mailed the card to this address which is NOT mine. I am a life-long resident of MA, and the card was sent to IN. On XX/XX/XXXX through today, XX/XX/XXXX, I have requested NUMEROUS times that this account be closed. Nobody has closed this account, despite all of the requests. I have several emails proving this request was made on multiple occasions, yet I have never received any follow-up emails. I submitted the required documentation via email today ( XX/XX/XXXX ) so this case can be investigated, as requested by the company ; however, I want this account closed. When I called their number for customer assistance, nobody was able to help me, and I kept getting directed towards emailing the fraud department and id theft departments. Again, I never got any answers from anyone. This whole ordeal has been a nightmare, and I truly question the legitimacy of this company, which is why I am asking for your assistance. I also just received a bill for {$25.00} from Avant credit card, as this card apparently has a {$39.00} annual fee. I would never recommend this company to anyone, and am at the point where I will begin contacting local news outlets if this matter does not get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
1XXXX XXXX XXXX XXXX reporting as charge-off 2.XXXX  XXXX XXXXCharged off as bad debt|Canceled by credit grantor 3.XXXX XXXX XXXX XXXX 4.THE XXXX XXXX XXXX XXXX XXXX XXXXPayment after charge off/collection|Paid profit and loss INQUIRIES 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 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