vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
To Whom it May Concern, I received a notification on my XXXX report # XXXX that Spring Oaks Capital LLC # XXXX hit my report with a debt that was discharged and disputed in XXXX and I learned that Spring Oaks Capital LLC is a debt buyer who bought the debt and have added it to my credit report without any communication from you. I called roughly on XX/XX/XXXX the moment I saw the notification and you asked to verify my phone number and email address and it was at that time I learned who and what XXXX was aka XXXX, I NEVER got any phone calls nor emails as I look at in and all emails received. The agent at Spring Oak LLC gave me details and I have " NO " knowledge and I mentioned to her that I remember seeing the account name in my ID theft. 

This debt was discharged due to ID theft XXXX Affidavit and XXXX Police report that was filed the moment it occurred with other items. 
All of my information somehow was used to open several accounts that caused major havoc to my file. What disappoints me most is that this could have been settled before you posted an account that was disputed and deleted many years ago because of me being a victim of identity theft and no one contacted me. I also noticed on my XXXX file that this account was placed for collections in XXXX and it is now XXXX and this is the first time that I have even heard of anything about this collection. 

I have attached the ID theft case and affidavit The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report that involved ID theft. 

Also per the CFPB policy before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : 1. ) Speak with you in person about the debt, I never spoke with anyone 2. ) Speak with you by telephone about the debt, never called me 3. ) Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or 4. ) Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. Especially since the debt started collection started in XXXX and it is now XXXX. 

All of the above NEVER happened I am also disappointed in how XXXX allowed this to happen for they have received all of the proper documents years back and along with my ID theft it was disputed and removed because the ID Theft. XXXX has failed and should not have allowed this to happen and did not follow FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
AFFIDAVIT OF FACT I am XXXX XXXX, a natural flesh and blood being, not an artificial person, or corporation created on paper, bringing truthful information to this bureau in accordance with USC 15 1681 4 ( b ). I have 2 issues concerning my credit reports with the 3 major credit reporting agencies. They closed and removed the incorrect information listed on report and my credit score increased by XXXX points on XXXX XXXX. 

They added it back on XXXX XXXX and then my score decreased by XXXX points. Also, I submitted documentation from the U.S. Bankruptcy Court that they did not verify a bankruptcy and since it was not verified nor is it relevant then it must be removed, but they failed to remove it.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Incorrect information on 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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again.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 2023-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
I received an email stating that the company that purchased this debt CKS Prime uses ( XXXX XXXX XXXX ) which seems to be the company CKS Prime uses their accounts for a one-time payment of {$280.00} plus the processing fee, which was paid to this company on XX/XX/2023. They received this payment they agreed to as a paid in full payment and are now trying some XXXX XXXX to get more than the original amount was. I was only informed of this after requesting the account be removed from my credit report after CKS Prime got their payment they agreed to. CKS Prime seem to be trying to take advantage of people that are down on their luck and as CKS Prime will send out emails offering to settle for a onetime payment which seems to be false / flat out lying to someone.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Omega RMS, LLC
State: VA

Complaint narrative:
Debt should be updated as stating paying as agreed it is included in a debt consolidation program /attorney to pay off by XXXX XXXX XXXX XXXX all collection activities should be suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
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
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
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 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
I went to buy XXXX XXXX from XXXX XXXX XXXX XXXX, NC in XX/XX/2023. After my XXXX XXXX checking I was informed over phone that they will honor the promotional 5.49 % XXXX for the car. The salesman again assured me the XXXX will be 5.49 % when I went to the dealership. When I was there to sign my paper works, the finance person rushed me to sign paperwork that had about a XXXX increased price than which was shown at the beginning by the salesman. After I caught his lie he got angry and misbehaved with me and my friend. I did not leave as they already did credit inquiry and I paid non refundable down payment. Then he offered me a service and again lied about the charge. When my friend said total price do not add up. He told my friend to stop talking. He tried to bully me to buy random insurance packages. At the end I declined to purchase the package. He gave me paperwork and the monthly payment was about XXXX $ higher than expected. I just wanted to leave the dealership, so I signed. After several months I wanted to check why its higher, I realized he increased the XXXX to 5.53 %. I felt cheated and being scammed by the dealership. I left with very bitter experience and felt helpless as I do not have any proof to show their lie and misbehaves. No one saw this incident as they do these paperworks in closed door.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXXXX/XX/2023 my account was closed down by XXXX XXXX with little to no notice or explanation as to why it was being closed. I requested over XXXX times a brief explanation of why and the bank consistently refused to provide me any explanation and I was advised they were entitled to end the business relationship with me at any given moment. I had monies in my account at the time and was told I had to wait XXXX days after investigation and if any money was owed i would receive a check in the mail. In which i just received my money back from them on XXXX XXXX. And still no explanation as to why my account was closed. 

I opened a new account with Citi bank in XX/XX/2023 and they have now closed my account down that was funded with over XXXX in it and advising me of the same thing XXXX XXXX said, which was I violated terms and conditions ( which I have no idea what term or what action of mine caused a violation to their terms and regulations ) and they closed my account down. And they will investigate and any money owed i will receive a check in XXXX days after investigation. I have bills to pay. We are in the biggest crisis in American history right now there is no way anyone should have to wait that long of a time frame to receive their money that was indigenously taken away from them without any warning. 

This is extremely unfair and something has to be done to ensure people money is not being taken and used for other gains and profits. Please accept this complaint as a formal matter of course to generate a balance and better solution to consumers as myself. This is extraordinary behavior by a both XXXX XXXX and Citi banking institutions and they deserve to be investigated and held accountable. 

Thank you for your time 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
Consumer complaint received 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I would like to know if Toyota charged me extra fees or made me pay extra stuff I never accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After examining my personal credit report, I have identified certain inaccuracies that could significantly impact my ability to purchase a home. While I understand that errors can occur, these particular mistakes could have detrimental implications. I am familiar with the dispute process and the time constraints that come with an investigation. The following errors have been identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request that you remove these inaccurate accounts from my credit report as soon as possible. Given the current economic challenges, the negative impact of incorrect information on my credit score is a major concern. I expect an updated credit report that reflects these changes within thirty ( 30 ) days.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 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 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
i financed a toyota vehicle with toyota finacial services, they included a gap insurance, tire insurance and many other perks staying that that was part of the loan, when i went back to cancel this they told me they cant only by summiting in writing witch i did, but never received my refund back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have previously disputed this issue and have not found success. I feel that my issue is not being reinvestigated correctly. Please help me golden experian accoutnable. The inaccuracies and identity theft pertain to my credit report with Experian, specifically related to my auto loan account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with the account number XXXX. This accounts inclusion on my credit report without my authorization violates my rights and is a form of identity theft, as defined by 12 CFR 1022.3 Definitions. Enclosed, please find supporting documentation, including aft report, copy of my credit report, lien release statement, satisfaction statement for the auto loan, physical title of the vehicle with the lien holders name removed, Experian credit reports from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2023, and necessary documentation as per 15 U.S.C. 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I used to have both checking and savings account at Citizens bank. I closed both of these accounts back in XX/XX/2023 and customer service from Citizens bank confirmed the closing of my accounts. However, I received a letter on XX/XX/XXXX from Citizens bank saying that I have a balance due of {$18.00} due to service fee charged to my closed checking account. In this letter from XXXX XXXX XXXX XXXX XXXXXXXX at Citizen bank, they claims that I am responsible for the amount due and would move forward with collection activities. This amount due was unauthorized service charges to my closed account.

Company response to consumer: Closed with monetary relief