vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I previously submitted a complaint to the CFPB about this company without any remedy as the company closed the complaint before they addressed my concerns ( attached to this complaint ). So here I am once again, the consumer submitting a complaint on my own behalf with first-hand experience of the transaction. Toyota Motor Credit Corporation financed the deal for the truck that I purchased on XX/XX/2019 from XXXX XXXX XXXX in XXXX, Arizona. Toyota Motor Credit Corporation ( sponsor ) received the contract ( or receivable ), which they call a retail installment sales contract or note, and took the contract/receivable and transferred the contract/receivable to Toyota Auto Finance Receivables LLC XXXX XXXX XXXX XXXX After Toyota Auto Finance Receivables LLC took possession of the contract/receivable, it then went to Toyota Auto Receivables XXXX Owner Trust ( issuing entity ). Given that XXXX XXXX XXXX XXXX is responsible for " assigning, granting, transferring, pledging, mortgaging and conveying the Trust Estate pursuant to, and on the terms and conditions described in, the indenture ( the Indenture ) between the Issuing Entity and XXXX XXXX XXXX XXXX as indenture trustee ( in such capacity, the Indenture Trustee ) and to holding, managing and distributing to the holders of the Certificate ( the Certificateholders ) pursuant to the terms of the Sale and Servicing Agreement any portion of the Trust Estate released from the lien of the Indenture. '' This information is public knowledge and is located in the attached document that is filed with the SEC. This shows and is primie facie evidence that the contract/retail installment sales contract/note was accepted for value fulfilled the obligation that creditor alleges I owe. It would be an inequitable transaction for me to provide value in terms of the contract while also paying monthly payments to the creditor. I feel that I have been injured for this reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-01-10 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: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX 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 2022-01-10 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Pursuant to my rights under federal debt collection laws, and under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, XXXX is reporting UNVALIDATED information, which is an obvious violation pursuant to 15 USC 1681a ( fair and accurate credit reporting is essential in maintaining the efficiency of the banking system and consumer confidence ). Their unfair credit reporting methods has caused irreversible harm in my ability to obtain credit by dramatically reducing my credit score and continuing to list the Portfolio Recovery Associates collection account on my profile. I've written XXXX on XX/XX/2021, to dispute their reporting of this alleged debt and to start an investigation, but they only updated the Portfolio account as " disputed '' and provided no explanation or competent VALIDATION evidence ( pursuant to 15 USC 1692g ) within the required 30 days that'll justify the collection account being listed on my credit profile. The alleged debt was originally removed from my credit report on XX/XX/2021, by XXXX and then relisted on my credit report XX/XX/2021, as a new account. I sent a letter to Portfolio Recovery Associates on XX/XX/2021, requesting information and documents to show VALIDATION of the alleged debt but they didn't provide the requested proof within the required 30 days, making their claim nullified and void. I also requested XXXX remove an inquiry from XXXX XXXX XXXX which is a fraudulent inquiry not requested by me. They haven't responded or provided a status update regarding this request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: GA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint on my own behalf, without any influences. Please see the attached documents and Identification as it contains my full request to a fair resolution.

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 2022-01-10 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: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. i XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the XXXX U.S C41, et esq I have the tracking # for all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
in XXXX of XXXX bank of American sent my card to the wrong address and somebody was able to steal my money, they did this 2 times in a row. 
my account was locked for 18 months and in XX/XX/XXXX i was finally able to unlock it and file a claim for the money stolen and i was able to request a new card. 2 weeks later after calling everyday and being instructed to wait and wait some more being denied another card, after this my account was locked again. my claim was denied because it took too long for me to file the claim " although they would not allow me to file until my card was unlocked '' but my claim was denied. i had around XXXX on my card. now in XX/XX/XXXX they refuse to close my account, issue me a check, refuse to allow me to file a claim for my missing funds, refuse to send me a new card. they wont do nothing and im stuck in a hard ship for 18 months now because of this. also they keep sending me letters in the mail and emails to my email account requesting that i call in to take care of the block that is on my account. when i call they say other wise. when i ask them in writing, and email also over the phone to stop sending me these letters and emails, the refuse to help me.

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 2022-01-10 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: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: ACS Education Services
State: IN

Complaint narrative:
In my efforts to receive relief from unfair debt collections practices, I have decided to continue to file complaints to all that are supposed to assist in regulating and policing individuals who attempt to take advantage of consumers. XXXX has received several disputes from me about a debt collection company that is listed under US DEPARTMENT OF EDU. I have reached out to the company several times, even having mail returned from the listed address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. I have called their number which is for XXXX XXXX, XXXX. I need to find out the method XXXX is using to validate this alleged debt. A XXXX search to this address reflects a company by the name of ACS, Affiliated Computer Services who was bought by Conduent. I reached out to XXXX XXXX, who is the legal support for Conduent, and he had no answers for me, using my personal data to locate an account. I have spoken with the Department of Education Ombudsman in XX/XX/2021, and they couldn't help, I have looked on the FSA website. I was unsuccessful in finding out who the debt collector listed is, my question is, '' XXXX who are you validating the debt with? '' There is no way you could be responsibly validating this alleged debt. The information listed is incorrect and inaccurate. The account shows the highest balance is XXXX. Payment status is " No Info '' and shows as a " paid collection ''. I am demanding validation. I am demanding to receive the contact information from this debt collector, and Proof of Claim to ensure there is no debt parking on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
To my knowledge, all of my consumer information at my request has been frozen and suppressed. I have correspondence from Experian claiming that my data has been verified in violation of my rights.

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 2022-01-10 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 2022-01-10 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
To my knowledge, all of my consumer information at my request has been frozen and suppressed. I have correspondence from Equifax claiming that my data has been verified in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I reported an unauthorized XXXX account was opened using my personal information. Based on my report, they opened a fraud claim and referred the case to there fraud department for investigation. they concluded the investigation on XX/XX/XXXX with the fraud claim not resolved in my favor. 

Per request, they reopened my fraud claim for an additional review on XX/XX/XXXX, XXXX their additional investigation concluded on XX/XX/XXXX with the decision to overturn the previous denial and resolve the claim in my favor. And said the credit reporting bureaus were notified to delete any derogatory information pertaining to the unauthorized account from your credit bureau report. And asked to allow up to 60 days for the credit bureau to update.

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 2022-01-10 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: GA

Complaint narrative:
I have inquiries listed on my report that I have reached out to the company and credit bureaus to be removed and they state they are accurate. I have a statement with all agencies stating before credit is extended, someone should contact me to verify and that has and does not happen. This is affecting my ability to increase my credit scores and very discouraging. Please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I performed a consumer credit transaction on XX/XX/XXXX and was denied my right to an extension of credit via Bank Of America. I received an adverse action letter stating nothing but inaccuracies and unverified information. I then proceeded to send correspondence to the company which they received XX/XX/XXXX and I never got a response from them. They violated 15 USC 1691 ( a ) ( 3 ) because I, the creditor, applied in good faith. The credit reporting agencies showed an inquiry confirming that a consumer credit transaction took place, which I also never benefitted from the transaction which violates 15 USC 1602p, because they used my credit card as per 15 USC 1602 ( l ). As a consumer protected by Title 15 Chapter 41, Pursuant to 15 USC 1692c ( c ) ( 3 ) I am demanding the right to an extension of 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 2022-01-10 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: MD

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information,

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 2022-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I attempted to log into my Coinbase account and I was unable to log into it. I got a new phone so I was requested to verify my identity by providing my driver 's license. I provided the front and back copies of my driver 's license and then I was asked to appear on webcam, which I did. The verification was denied. I tried several times and it was denied. I do not know why it was denied but I feel that my account has been hacked or there is some unauthorized activity going on. I was asked to provide a legal document with my name but I am feeling uncomfortable doing that because I have been a victim of identity theft before and I feel that the verification was denied on no valid basis. I am the same person that created the account and I could prove this to the necessary authorities. However, the problem is I am being blocked from my own funds because Coinbase has possibly been hacked or denying verification due to no valid basis. 

I want to withdraw my funds and close the Coinbase account. I am very unsatisfied with this platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: CA

Complaint narrative:
My Name si XXXX XXXX I am writing this complaint without and influence form any third party. Please see attcached documents and ID it contains my full complaint and request.

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 2022-01-10 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: GA

Complaint narrative:
I have inquiries listed on my report that I have reached out to the company and credit bureaus to be removed and they state they are accurate. I have a statement with all agencies stating before credit is extended, someone should contact me to verify and that has and does not happen. This is affecting my ability to increase my credit scores and very discouraging. Please assist?

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