vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 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 — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MD

Complaint narrative:
I had filed a complaint against Lexis Nexis for taking to respond to my requests for a complete personal history credit report I spoke to XXXX XXXX XXXX On XX/XX/XXXX to mail me hard copies of the full report AND the complete address history report. I only received the report but HAVE NOT RECEIVED the complete address history I placed two other calls at her number above on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also called today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
A request to remove incorrect late payments on XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX has been ignored. After reaching out to each company showing the payments and on the correct day and time they noticed their mistake but have yet to remove late payments. 
Contacted each company XX/XX/2020, XX/XX/2020, XX/XX/2020. 

XXXX XXXX acct # 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 explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: MI

Complaint narrative:
Rent Debt Automated Collections contacted my niece who contacted me the week of XX/XX/2020. Apartment complex left a note on my door in XXXX of 2020 stating 60 day notice needed to be given if you intended to leave at the end of the lease XX/XX/2020. I spoke with someone in the leasing office who stated I only needed to submit a 30 day notice, I did however still e-mail ( in XXXX ). I turned in keys ( XXXX or XXXX ) and spoke with leasing office who stated no monies was owed. 5 month later I received a call from a debtor stating I owed XXXX XXXX in XXXX, MI {$850.00} but could not give an explanation of what the balance was for. I also never received any prior phone calls/e-mails/letters from XXXX XXXX  or the Collection Agency ( Rent Debt Automated Collections ) in regards to the debt. I made several attempts to reach out to XXXX XXXX but no one will call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
Trident Access Management was sent a letter from me requesting debt validation for account # XXXX ; along with a contract between them and me. They returned a contract between an original creditor who never informed me that the debt nor my personal information was being sold. There is no contract with my signature on it between myself and them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent letters in to all three credit bureaus ; and no response. According to the FCRA by law if it is over 30 days it must be removed off my credit.

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 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Checkr, Inc
State: CA

Complaint narrative:
I've submitted my background check on XXXX still says pending also I've submitted my background check on XXXX XXXX same company went through right away XXXX XXXX account says pending this is hog wash the same company access the same info no need too be pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All 3 credit bureaus continue to report bankruptcies that don't belong to me ... ... all 3 claim to have verified these bankruptcies with the courts ... but the courts clearly state that they don't provide any information to any 3rd party including Credit Bureaus. So these bankruptcies are being reported incorrectly ... inaccurately and unlawfully ... .per the FCRA.

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 2021-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear XXXX XXXX, XXXX XXXX XXXX XXXX XXXX On XX/XX/2019 I submitted an online application for an XXXX  XXXX  Visa XXXX card. I applied for the account using the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I had moved to XXXX  for a year-long secondment with my company, XXXX, but retained my residence at XXXX XXXX XXXX XXXX XXXX. At the time I registered, all my billing addresses were in XXXX XXXX, but my shipping addresses were in XXXX. If there was any way to clarify that in your online registration process, I would have informed you at which address I would have preferred to receive my mail. 

From XX/XX/2019 through XXXX XXXX  monthly billing statements were mailed to the aforementioned XXXX, NY address. Is it correct to assume the XXXX statement would have gone out mid-month, on XX/XX/XXXX? On XX/XX/2019 I opened my first correspondence that I received from your organization. Can you imagine my surprise when I opened my first communication from your company to see that you already served me + {$100.00} in late fees? 

As a customer, I have the right to be notified, informed, and given the opportunity to settle my balance prior to being hit with late fees. Your duty to communicate with your customer doesnt end when you stamp and send a letter, your customer needs to receive that letter. My credit score has since dropped from above XXXX to XXXX, because of this miscommunication about billing/mailing addresses. I request that you acknowledge that I am a responsible credit card customer, that I paid for my purchases at my first opportunity, and undo whatever your organization did to impact my credit score. 

Cheers, 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 explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion displays innacurrate employer on credit. I do not work for XXXX  XXXX, I work far 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 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All 3 credit bureaus continue to report bankruptcies that don't belong to me ... ... all 3 claim to have verified these bankruptcies with the courts ... but the courts clearly state that they don't provide any information to any 3rd party including Credit Bureaus. So these bankruptcies are being reported incorrectly ... inaccurately and unlawfully ... .per the FCRA.

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 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All 3 credit bureaus continue to report bankruptcies that don't belong to me ... ... all 3 claim to have verified these bankruptcies with the courts ... but the courts clearly state that they don't provide any information to any 3rd party including Credit Bureaus. So these bankruptcies are being reported incorrectly ... inaccurately and unlawfully ... .per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, MERCEDES-BENZ FINANC add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
A request to remove incorrect late payments on XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX has been ignored. After reaching out to each company showing the payments and on the correct day and time they noticed their mistake but have yet to remove late payments. 
Contacted each company XX/XX/2020, XX/XX/2020, XX/XX/2020. 

XXXX XXXX acct # 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 explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
A request to remove incorrect late payments on XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, and XXXX XXXX has been ignored. After reaching out to each company showing the payments and on the correct day and time they noticed their mistake but have yet to remove late payments. 
Contacted each company XX/XX/2020, XX/XX/2020, XX/XX/2020. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MicroBilt / PRBC (formerly CL Verify)
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, MICROBILT CORPORATIO add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor.XXXXBut companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters in to all three credit bureaus ; and no response. According to the FCRA by law if it is over 30 days it must be removed off my credit.

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 2021-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CarMax, Inc.
State: FL

Complaint narrative:
I the consumer, original creditor, and natural person has been abused by CARMAX AUTO FINANCE has been in attempt to collect on an alleged debt. Pursuant 15 USC 1692e ( 11 ) During initial communication CARMAX AUTO FINANCE did not disclose that it was an attempt to collect a debt. CARMAX AUTO FINANCE has violated Fair Debt Collection Practices act 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692cl ( l ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 2 ) ( a ) & 15 USC 1692j ( a ). Using deceptive forms 15 USC 1692j ( a ) in order to collect on debt from the original creditor 15 USC 1602 ( g ) during the consumer credit transaction 15 USC 1602 ( i ) their has been an unauthorized use of my credit card since I'm not benefiting from the consumer credit transaction 15 USC 1602 ( p ) which is a violation which leaves CARMAX AUTO FINANCE criminal liable for willful and knowing Truth In Lending Act. I the consumer, original creditor, and natural person never received these things pursuant 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

CARMAX AUTO FINANCE has not rebutted my affidavits of truth which stands as truth in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Disputed item : XXXX XXXX XXXX  XXXX .... 

On XX/XX/2020 I sent out letters advising ( with evidence ) that an account had been deleted from the original creditor. USPS tracking # XXXX which they signed for XX/XX/2020 at XXXX, their response was for XX/XX/2020 - report # XXXX in which they state : DISPUTED ITEM NOT LISTED ON CREDIT REPORT, which is false because when I checked my report, it is still showing up. 

I then sent them a second letter on XX/XX/2020 XXXX tracking # XXXX which they received XX/XX/2020 at XXXX. I stated it was a second attempt of validating the information and deleting the current account ( evidence of letter available ) which they responded " this time '' with the credit results and the item on my credit file, when before they mentioned it wasn't listed. Their outcome determined the creditor would remain. 

Items sent to them : Copy of Original Creditor STATING they had deleted that account from my credit file ( which this bureau, hasn't ) A letter stating the facts and proof ( which this bureau, hasn't ) A copy of XXXX  's report which specifically says ( DELETED ) Asking them to VALIDATE the account & the process of VALIDATION : step by step ( who they've spoken to, what have they done, etc. ) and they have consistently refused to do so, they just say they have verified the account and ignore my requests. 

Thank you in advance for your valued assistance.

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 2021-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I applied for a secured Discover card & was approved w a {$1000.00} deposit. The {$1000.00} deposit was debited from my checking account by Discover card on XXXX. After issuing my card and accepting the deposit, Discover requested authorization to verify income w the IRS. The IRS is behind on processing my returns fro XXXX, a correction was needed & XXXX has not been processed. therefore my income could not be verified & Discover closed my account. I have been waiting for the deposit refund for 2 months now and no one has contacted me w any information regarding my refund. Furthermore, by opening & closing my account- my credit has been negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
i submitted a payment to XXXX XXXX  located in XXXX MS . I purchased a used refrigerator for {$550.00} on XX/XX/XXXX.On XX/XX/21 I moved into my home the refrigerator did not work.I contacted the vendor he stated he was coming out to repair the refrigerator but he has not and has not returned phone calls or texts. I reached out to CashApp but they state they cant do anything about the situation and just request a refund from the vendor. ive requested a refund but the vendor has not responded. i have reached out to CashApp several times relating to my refund but no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, USBANK add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: NY

Complaint narrative:
My stimulus payment is dated XX/XX/XXXX per the IRS transcript information. The payment has not yet been applied to my account. In addition to this, KeyBank held my paycheck that was to be applied in XX/XX/XXXX until XX/XX/XXXX which cause overdraft. I confirmed with my employer that the payment date was XX/XX/XXXX due to the pay date falling on a holiday ( XX/XX/XXXX ). I contacted KeyBank several times and they stated it was dated the XXXX, which is not true. So in addition to the overdraft that is now being resolved as my paycheck was applied today ( XX/XX/XXXX ), I still do not have the stimulus applied. It is dated the XXXX and should be applied today. 

There are numerous people that have received theirs, but mine has not been applied.

Company response to consumer: Closed with explanation