vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
For XX/XX/2021 Lexus Financial put my account to ( 30 days late ) status when I I contacted them asking to remove it ( via phone and mail ) and reason for it was that for that month I was in XXXX  because of XXXX I also attached proof of XXXX XXXX XXXX results and response to that they wrote me that they did investigation and everything was right and correct.On that auto loan I was a co signer and bills were going to primary account holders address that I no longer had contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: DE

Complaint narrative:
I mailed you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following information [ ( Report XXXX ) ] [ XXXX XXXX ] [ XXXX ]. Per [ ( USPS ) ] records, you received my dispute letter on [ XX/XX/2022 ]. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and [ ( delete ) ] the disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. You received my dispute letter on [ XX/XX/2022 ]. Therefore, your response was due on or by ( XX/XX/2022 ) [ ( receipt ) ]. Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming [ ACCOUNT IS VERIFIED ]. 
Clearly, you have willfully failed to [ ( delete ) ] the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because [ ACCOUNT IS VERIFIED ]. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute.

Inaccurate addresses I never lived at or have no knowledge of are being reported to my credit report due to this concern I am not able to obtain any credit in my name. Due to my lack of acknowledgment for these accounts, I never associated with the account or addresses as stated above. Please remove all other addresses off my report as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

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 2022-03-17 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 disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-17 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 disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I applied for my citizens credit card and they delayed my application I have a fraud alert they refuse to verify my identity and approve my application this is not fair they left me a voicemail to call them back but they dont answer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
XX/XX/2022 And I've called serval times since to get this corrected and I never hear anything back. This is over a few months and no action has come to fix my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
In XX/XX/XXXX i received notice from my child 's dad that I had a collection notice being sent to his XXXX XXXX XXXX I called the agency to see what the debt was about and it turned out to be my daughter 's. There was a mismatch with her last name change and did not bill her secondary insurance bc the names were different on the primary and secondary insurances. I corrected her name then called the billing office of the provider to give them the updated information. They told me it would be taken cared of. Well, beginning of XXXX in XXXX someone from the billing department calls again and asks for my childs primary and secondary information AGAIN. I give it to them and they say everything is good. Well at the end of XXXX in XXXX dad receives another notice while I am out of the country. When I returned in XXXX I see that on XX/XX/XXXX or XXXX that the collection has hit my credit report. On XX/XX/XXXX I call the billing office who said the account was paid and closed. So I'm under the impression now that the agency jumped the XXXX and it would be removed. Well on XX/XX/XXXX I received another alert that I had a collection on my acct so on XX/XX/XXXX I call the company and explain what took place and the representative was very rude and snotty about what I needed to do when I had ALREADY done that. Ultimately, this is the fault of the hospital 's billing department because they assured me TWICE that the account was taken cared of but the representative wasn't trying to understand that. This is not a debt I owe as the medicaid coverage should have covered the balance in full as the secondary insurance. I haven't received any notice from medicaid that my child has been dropped or that they did not cover any claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I am filing another complaint on Bank of America. This is following a complaint I made back in XX/XX/XXXX. Bank of America has since removed the negative reporting on my credit reports for those months they falsely reported me late in the year XXXX. However, somehow my credit report is now showing a 120 day late for XX/XX/XXXX, which did not show during my first complaint. In my previous complaint, I have attached my payment history for your review. And that will show that I paid off the loan in XX/XX/XXXX... so there is no way that I have a late payment in XX/XX/XXXX. Bank of America has so many errors and is causing a long hold up on a refi loan I'm trying to get since last XXXX. 

My payment history was uploaded to you from the previous complaint so I won't upload it this time. But if you need it again, please let me know. 
Please let me know if you need any information from me and help me get this resolved asap. 

Thank 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 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glass Mountain Capital, LLC
State: PA

Complaint narrative:
I reached out to Glass Mountain Capital LLC XXXX XXXX XXXX XXXX, XXXX XXXX IL around the beginning of XX/XX/2022 to verify a debt and got a generic response that answered none of the questions that I requested to be answered via my conditional acceptance. The response I was given on XX/XX/2022 also has multiple FDCPA violations furnishing information on a consumer credit report without the consent of the consumer is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XXXX by XXXX XXXX rental. The payment XXXX XXXX stated they would pay for my rental car. While my car was in the shop. I sent Apple Pay my. Statement. That was reliable. And phone text. But still reverse the charge. Take off then put it back on my statement. Its from XX/XX/2021. From XXXX I went up there and they said they where going up there to get a check, thats been out of my hands along time ago! He said he need a full detailed description on the the bill click it to see if you can pull up the invoice Ok you dont have to the bill is going to my boss -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2021 the Company had predatoary charges on cleaning and unknown and unstated and unfair amounts. 
The quality of these items are not ment to withstand a 12 month lease. The initial amount {$480.00} - {$110.00} for an additional day of moving out. Therefore leaving a disputed frivolous amount of {$360.00}. The apartment management refused to recognize the additional frivolous charges with a detailed answer on the charges and instead sent a final request for {$280.00} due within so many days before it was sent to collections. Without any additional documation on what frivolous charges had been removed from the original amount of {$360.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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 have request TransUnion to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. Transunion has also failed to comply to multiple federal and state laws under the FCRA. 
Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 

15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for TransUnion to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 

I am asking for TransUnion to provide the following : 1. The original contract and or agreement bearing my signature XXXX Who they spoke to from the creditor the date and time in which they spoke with them. 

By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. 

I listedthe inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
XXXX. XXXX Account XXXX : XXXX XXXX. I XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.

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 2022-03-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
1 ) Equifax reporting an " old '' outdated personal statement. Probably all XXXX are reporting old statements. Please remove all previously reported personal statements from all XXXX credit bureaus. Thank you. 

2 ) Under Closed Accounts and/or revolving credit closed accounts. I enclosed in attached copies of my credit file. Where XXXX XXXX XXXX XXXX . Which filed something called a reaffirmation as part of my XXXX bankruptcy case. For the purpose of this complaint. The loan was never late paid in full. My understanding under the Federal BK laws, it is unlawful for lenders and financial institutions to disclose and report any account information from my Federal Bk Filing. Since CFPB falls under Federal Rules. This is a formal request to please take action against XXXX XXXX XXXX XXXX for ignoring the Federal Law and disregarding all previous request. 

3 ) Equifax ; XXXX and XXXX : Still reporting XXXX, Oklahoma Address. In addition, work addresses from my former spouse as my personal address. To be clear. 
Any investigation will reveal. I have lived at XXXX XXXX XXXX since XXXX. Therefore, all other addresses reported are unconfirmed and/or my former spouses ' work-related addresses. Therefore, please remove random unconfirmed addresses especially, the one reported for over 2 decades from XXXX, Oklahoma. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
A hard inquiry from Chase appears in my credit history with XXXX and XXXX for the date of XX/XX/XXXX. Per conversation with the Chase department for credit card applications, there was not any record of a XX/XX/XXXX inquiry to verify my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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 have request Experian to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. Experian has also failed to comply to multiple federal and state laws under the FCRA. 
Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 

15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for Experian to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 

I am asking for Experian to provide the following : 1. The original contract and or agreement bearing my signature XXXX Who they spoke to from the creditor the date and time in which they spoke with them. 

By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. 

I listed the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
XXXX. XXXX Account XXXX : XXXX XXXX. I XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX LL Account Number : XXXX Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.

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 2022-03-17 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: CA

Complaint narrative:
Hi, I am filing another complaint on XXXX XXXX XXXXXXXX. This is following a complaint I made back in XX/XX/XXXX. XXXX XXXX XXXX has since removed the negative reporting on my credit reports for those months they falsely reported me late in the year XXXX. However, somehow my credit report is now showing a 120 day late for XX/XX/XXXX, which did not show during my first complaint. In my previous complaint, I have attached my payment history for your review. And that will show that I paid off the loan in XX/XX/XXXX... so there is no way that I have a late payment in XX/XX/XXXX. XXXX XXXX XXXX has so many errors and is causing a long hold up on a refi loan I'm trying to get since last XXXX. 

My payment history was uploaded to you from the previous complaint so I won't upload it this time. But if you need it again, please let me know. 
Please let me know if you need any information from me and help me get this resolved asap. 

Thank 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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I am filing another complaint on XXXX XXXX XXXXXXXX. This is following a complaint I made back in XX/XX/XXXX. XXXX XXXX  XXXX has since removed the negative reporting on my credit reports for those months they falsely reported me late in the year XXXX. However, somehow my credit report is now showing a 120 day late for XX/XX/XXXX, which did not show during my first complaint. In my previous complaint, I have attached my payment history for your review. And that will show that I paid off the loan in XX/XX/XXXX... so there is no way that I have a late payment in XX/XX/XXXX. XXXX  XXXX XXXX has so many errors and is causing a long hold up on a refi loan I'm trying to get since last XXXX. 

My payment history was uploaded to you from the previous complaint so I won't upload it this time. But if you need it again, please let me know. 
Please let me know if you need any information from me and help me get this resolved asap. 

Thank 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 explanation
Consumer complaint received 2022-03-17 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: NY

Complaint narrative:
Reporting agency is reporting inaccurate, invalidated information in which has harmed my credit report tremendously and has caused me severe stress. I am demanding this information be 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 explanation