vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-09 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: NJ

Complaint narrative:
I have sent many letters to all 3 bureaus and final they have removed the false information from my consumer report since 2010. This account particular XXXX/XXXX- ( XXXX ) is in violation of 15usc 1692d. They have ruined my reputation for many years.

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 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
File an complaint on my credit card account number XXXX on the XX/XX/2020 could'nt make a payment on my new balance because of primary was deceased & cut the off would like some one to look in to the credit card from day one with my okay

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 2021-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
A LETTER WAS MAILED TO MY MOMS HOUSE ( WHICH I DO NOT LIVE THERE ) FROM MIDLAND CREDIT MANAGEMENT SAYING IT WAS A DEMAND FOR PAYMENT AND I NEEDED TO PAY A DEBT IN FULL OR THEY WILL SEND THIS TO AN ATTORNEY IN MY STATE AND GOES ON TO STAY THEY THEN WOULD THEN FILE A LAWSUIT.NOT ANYWHERE DID IT EXPLAIN MY RIGHT TO DISPUTE THE CHARGES.I DO NOT AGREE WITH THE CHARGES AND THE CHARGES ARE WRONG.THERE WAS NO BREAK DOWN OF CHARGES, PAYMENTS XXXX XXXX. THE Fair Debt Collection Practices Act ( FDCPA ) SES THEY ARE TO ADVISE ME OF MY RIGHTS TO DISPUTE, THEY DID NOT.WHAT THEY DID DO WAS THREATEN TO SEND THIS DEBT TO AN ATTORNEY AND SUE ME, ANOTHER TACTIC THAT VIOLATES THIS ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently filed for inaccurate reporting on my credit profile a couple of months ago. I have not received any notification or esults and its been over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I respectfully many Federal complaints against Toyota Financial on my Financial Hardship and unable to make payments of {$480.00} a month. 
XXXX Department of Justice file case # XXXX, CFPB case file # XXXX and File case # XXXX. 

On XX/XX/XXXX I purchase XXXX XXXX XXXX and I explained to Toyota XXXX that I can not afford payments of {$480.00} a month but Management insisted that payments will be lowered and affordable, but it never happened. 
I told Toyota XXXX in XXXX, California I can only pay {$300.00} a month and that I was XXXX XXXX and on a fixed XXXX income only. 

I am not able to refinance existing vehicle loan because my negative credit and credit scores and no other financial institutions will not approve refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
XX/XX/2020 over XXXX dollars was takennout of my acxount I called the government benefits card to report a unauthorized action as soon as it happen for them to close my account. Been waiting for my replacement card since XX/XX/2020 one person told me that yes my card was deactivated but that I never asked to send a replacement, I asked for the to send a replacement they transferred me the second person told me I never deactivated my card so why one person tell I did deactivated my card and the other said I never deactivated my card

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 2021-01-09 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: MI

Complaint narrative:
My information was used without my consent to open these accounts at this time I asked for accounts to be removed. If anything is inaccurate on my report with these accounts remove that as well do the fair cred repair act and that I am trying to better myself in life I wan na be able to provide to the youth and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$640.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$640.00} -This is not my account.

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 2021-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Late payments reported to account XXXX, XXXX, and XXXX during COVID even after spoke with lender to make arrangements and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Syncapay, Inc
State: CA

Complaint narrative:
This company is supposed to give me access to my funds from a different company through a prepaid gift card but this company is not allowing me to access my funds. The gift card is supposed to be through " XXXX '' which they own and operate. 
They are citing that the gift card " expired '' but I have never been able to access any of my funds even before the supposed " expiration '' that they are claiming my gift card has. Furthermore, according to the FDIC it is illegal for gift cards to have expirations before 5 years, which I am not even close to reaching. This company has essentially stolen my funds without giving me the opportunity to ever access them. I have tried reaching out to them but they just give automated responses leading me back to their website which has no information or way to contact an employee.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09 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: CA

Complaint narrative:
I AM REQUESTING THAT THESE ACCOUNTS BE BLOCKED FROM MY CREDIT REPORT BECAUSE THEY DO NOT BELONG TO ME. I HAVE REPORTED THESE ACCOUNTS TO THE FEDERAL TRADE COMMISSION, WHICH IN FACT IS A FEDERAL LAW ENFORCEMENT AGENCY JUST LIKE MY LOCAL POLICE. IM ALSO INCLUDING MY CURRENT UTILITY BILL, SOCIAL SECURTIY CARD AND MY CALIFORNIA DRIVERS LICENSE TO VERIFY MY IDENTITY

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 2021-01-09 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: MI

Complaint narrative:
Someone used my information to open accounts & call to inquire about stuff Please also check my account for inaccuracy & delete any account reporting inaccurate immediately do to tha fair credit act I am trying to better mylife with 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 2021-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I keep getting multiple emails that purport to be from PayPal but are clearly from a scammer by looking at the email address from which the emails are sent. Here is what they say :,... 

,. 



The " Log in to PayPal '' clearly is a link, which I have not clicked on. The problem is that the email includes the PayPal logo and is in the PayPal official colors, etc. Therefore, if someone were only looking at the body of the email, it would be very easy for him or her to get victimized by this scam because it looks official. For what it's worth, here is the information in the " from '' line of the email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: CA

Complaint narrative:
I AM REQUESTING THAT THESE ACCOUNTS BE BLOCKED FROM MY CREDIT REPORT BECAUSE THEY DO NOT BELONG TO ME. I HAVE REPORTED THESE ACCOUNTS TO THE FEDERAL TRADE COMMISSION, WHICH IN FACT IS A FEDERAL LAW ENFORCEMENT AGENCY JUST LIKE MY LOCAL POLICE. IM ALSO INCLUDING MY CURRENT UTILITY BILL, SOCIAL SECURTIY CARD AND MY CALIFORNIA DRIVERS LICENSE TO VERIFY MY IDENTITY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 my account was charged 9 separate charges of {$100.00} each paid to XXXX/bill. These charges were debited one right after the other until my account was emptied. I immediately called bank of America, they cancelled my card and issued me a new one. Then they told me I had to file a dispute with the fraud department, so they transferred my call. Too bad the representative wasn't aware of the fraud Dept hours and neither was I. I sat on hold for two hours! I finally figured out they were closed. The next morning I called back and every day for the next thirty days, only to be left on hold for at least an hour and then get hung up on ... .never speaking to anyone. So, after two weeks of this I decided to call XXXX. They put me through to the security team where I explained that I've never owned an XXXX  product. They looked up the transactions using my debit card number, thanked me for " the heads up '', then told me to have the bank request a charge back. I spent another month calling and waiting on hold before I was able to speak to a representative. The representative told me they would request the charge back, but that it could take 45 days. What?! I called XXXX again, they attempted to refund the charges but because it's a prepaid card they aren't able to. Well after 2 more weeks I received a letter from Bank of America that stated my claim was closed because they suspect this was fraud on my part! Based on what??? XXXX said they would refund my money but my bank has to initiate the request, so where does Bank of America get off refusing to initiate the charge back? Not to mention this is NOT my fraud

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 2021-01-09 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: MI

Complaint narrative:
Someone used my information to open accounts & call to inquire about stuff Please also check my account for inaccuracy & delete any account reporting inaccurate immediately do to tha fair credit act I am trying to better mylife with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020

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 2021-01-09 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: MI

Complaint narrative:
Inquires on my report are not mine Never gave any consent reporting inaccurate and I have no accounts open with them Needs to be removed immediately do to the fair reporting act

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 2021-01-09 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: MI

Complaint narrative:
I am writing to delete the following inaccurate, contradictory 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 these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2021-01-09 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: MI

Complaint narrative:
I am writing to delete the following inaccurate, contradictory 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 these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Inquires on my report are not mine Never gave any consent reporting inaccurate and I have no accounts open with them Needs to be removed immediately do to the fair reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Inquires on my report are not mine Never gave any consent reporting inaccurate and I have no accounts open with them Needs to be removed immediately do to the fair reporting act

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 2021-01-09 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. I HAVE TO DATE RECIEVED NO PROOF THAT I OWE SAID COMPANY ANY DEBT. ITS HAS NOW BEEN OVER 30DAYS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file. 

American Honda Finance 90 days late / Derogatory in XX/XX/XXXX2020. 
I have attached a scanned letter from American Honda Financial letter that was written on XX/XX/XXXX 2020. 


I have been leasing with American Honda Financial for 6 years and have never had a late payment. During the pandemic, an employee from Honda told me that I can turn in my car 3 months earlier to avoid fees ( I was supposed to turn in my car in XX/XX/XXXX ). I did this at the end of XX/XX/XXXX2020 and was told that my remaining balance will be sent via mail. I did not receive anything in the mail, In XXXX, Honda financial contacted me via phone call wanting me to pay all these outrageous charges, I asked them for a detailed explanation and they kept on insisting that everything is sent out in the mail, I NEVER RECEIVED THIS. In XXXX they proposed to give me a discount but never told me about reporting me late since we are still in the negotiation stage. In XXXX XXXX PLEASE SEE LETTER ATTACHED ) A letter dated XX/XX/XXXX, 2020 clearly states that If I do not pay within 10 days and/or if my account reaches 120 days past due, I will be reported to the credit bureaus ( I did not receive any letter that I will be reported to the credit bureaus if I was XXXX day late. NOT A SINGLE LETTER ). I was going to pay this on Monday, XXXX XXXX, 2020 but on XX/XX/XXXX 2020 on XXXX XXXX, American Honda Financial took it upon themselves to report me and give me a derogatory remark. Confused, I tried to call them but their offices were closed on XX/XX/XXXX and XXXX due to the holidays. I called them on Monday- XX/XX/XXXX and told them they inaccurately reported me and asked if I could pay that day ( Since I still have until XX/XX/XXXX as stated in their letter to pay ) and asked them to delete the inaccurate information and they refused. They argued that I should know that I was already late and they did not have to state it in a letter I am truly appalled by this statement, I have done my research and it is unlawful to report inaccurate information to the credit bureaus. American Honda Financial should be held accountable for the false information they send their loyal customers. 

As you know it has been a rough 2020 and I have been greatly affected by covid-19 both personally and financially. This inaccurate report has made things worse and is the least I want in my account.

I have been reaching out to American Honda Financial but I am given the same answer. To date, the balance has been paid off. I kindly ask that you investigate this matter and have this negative report taken out as soon as possible.

Thank you very much in advance.

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
This collection agency, AmSher Collection Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Reported a cable bill that was 20 years ago to the credit Bureau. The bill was in dispute back then. How could this collection agency lie about the account status and alter the past due date so it reported and then contact me to collect the money. They should be legally liable for damaging my credit score and should be putout of business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation