vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I noticed a hard credit inquiry made on my Experian credit report by " XXXX XXXX  '', XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, on XXXX/XXXX/2021. I did not make this request nor did I allow my credit report to be pulled. Experian is useless in disputing this as they do not have an online dispute option for inquiries, and their phone line can never connect to a live person.

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 2021-01-10 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: GreenSky, LLC
State: NV

Complaint narrative:
I noticed a hard credit inquiry made on my XXXX  credit report by " Greensky  Installment '', XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, on XXXX/XXXX/2021. I did not make this request nor did I allow my credit report to be pulled. XXXX  is useless in disputing this as they do not have an online dispute option for inquiries, and their phone line can never connect to a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
in XXXX my bank of america checking account was hacked and frauded. I was contacted by the bank fraud department and was blamed for the transaction. my account was closed and reported to the checking black list. i now can't get a checking 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 2021-01-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: CA

Complaint narrative:
I have a report on my credit regarding a debt in the amount of {$4300.00} from XXXX at XXXX, address XXXX XXXX XXXX, XXXX, TX XXXX. The debt is now with rent  recovery solutions, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX. Phone number XXXX. I have attempted to reach out to the original creditor asking for detail statement of charges which they refuse to send. They are collecting on a debt that is invalid due to the balance. They can not prove the validity of the balance. I spoke with rent recovery solutions and my collector handling my file admitted herself that the balance was wrong and the apartments refuse to send an item my statement to them as well. The collector handling my file also claimed the property was trying to charge for not providing a notice to vacate the property, I, in fact, did submit an email stating my intent to vacate the property per management at XXXX XXXX 's request. I have the original email which I sent to the property on XX/XX/XXXX at XXXX. I sent a copy of the email via usps mail to the collection agency as proof of submittal. I attempted to reach out to both the collections agency and creditor as far as correcting the balance. The property has never responded acknowledging any email sent. The balance the complex is trying to collect on is entirely invalid. The first balance the apartment complex claims was in the amount of {$900.00}. The next amount that the complex try to collect on was {$1000.00}, I have attached a copy of the letter sent. The next balance the apartment complex try to collect on is now the {$4300.00}. The amounts are continually changing which makes it difficult to find out what the true balance is, if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waterfall Revenue Group
State: DE

Complaint narrative:
Reviewing my credit reports online and notice a collection account for {$180.00} which I was never aware of. On each report the same bill is listed with two different names on my report. Also a law was effected that no longer are collection agencies allowed to place a debt on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692XXXX. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.

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 2021-01-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been 30 days and I havent received a response. I feel like Im am being taken advantage of and being ignored. Section 611 ( a ) it states that a failure to investigate those items within 30 days is a automatic deletion from my credit report it has been 31 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was impacted by the XXXX  data breach and may have got into the hands of the wrong individual.

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 2021-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello I've sent multiple letters from XX/XX/2020 up until XX/XX/2020 disputing the accounts on my credit report. The the credit bureaus keep saying they have been verified but they have not sent any proof supporting their investigation. I seriously need help with this as it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: Self Financial Inc.
State: GA

Complaint narrative:
Many times delays that are being reported on my credit report appear to be incorrect and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. Date Opened : XX/XX/2020 Balance : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
I was reviewing my credit reports and saw a debit collection for {$300.00} which I am not aware of and it was just placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: MN

Complaint narrative:
i had a us bank account for 3 years. i had it attached to my mortgage and was in good standing. i had someone do a XXXX  money transfer to my checking. then someone hacked my account and removed that same amount. after the transaction. i was called that money was reported as stolen. US bank closed my account and blamed me for it and will not let me have another 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 2021-01-10 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: FL

Complaint narrative:
I am writing to request an investigation on the following information that appears on my XXXX, XXXX, and Transunion credit reports. They have failed to validate the information with all creditors here in this letter and have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 
1. XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX, XXXX $ XXXX.Acc # XXXX {$3200.00} XXXX XXXX, XXXX, Acc # XXXX {$4900.00} XXXX XXXX 2. XXXX XXXX Acc # XXXX XX/XX/XXXX, {$44000.00} 3. XXXX  XXXX XXXX  XXXX XXXX Acc XXXX {$750.00} 4. XXXX Acc # XXXX, XXXX, XXXX, XXXX, XXXX 5. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX Acc # XXXX {$1900.00} XXXX XXXX, XXXX 7. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 8. XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX, XXXX, Acc # XXXX {$1000.00} XXXX XXXX, XXXX 9. XXXX XXXX  XXXX {$300.00} XXXX XXXX, XXXX 10. XXXX XXXX XXXX {$2000.00} XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: FL

Complaint narrative:
I am writing to request an investigation on the following information that appears on my XXXX, Equifax, and XXXX  credit reports. They have failed to validate the information with all creditors here in this letter and have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 
1. XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX, XXXX $ XXXXAcc # XXXX {$3200.00} XXXX XXXX, XXXX, Acc # XXXX {$4900.00} XXXX XXXX 2. XXXX XXXX Acc # XXXX XX/XX/XXXX, {$44000.00} 3. XXXX  XXXX XXXX  XXXX XXXX Acc XXXX {$750.00} 4. XXXX Acc # XXXX, XXXX, XXXX, XXXX, XXXX 5. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX Acc # XXXX {$1900.00} XXXX XXXX, XXXX 7. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 8. XXXX XXXX Acc XXXX {$4500.00} XXXX XXXX, XXXX, Acc # XXXX {$1000.00} XXXX XXXX, XXXX 9. XXXX XXXX  XXXX {$300.00} XXXX XXXX, XXXX 10. XXXX XXXX XXXX {$2000.00} XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I applied for credit for a vehicle loan XX/XX/2020 at a local bank where I done business before.The lender said my Equifax credit inquiry said my information was identified as potentially fraudulent or misused, there for consumer report was not available.I have made 20 or more attempts the correct the problem through Equifax each time they tell me to send information to identify me and all I have gotten is a card in the mail that says I have not applied for credit recently or I have not actively used my credit in the past 10 years or I have not been issued a social security number all of which are not true.Equifax will not offer any support to help me correct this problem.I have no plan or any way to fix this problem with out knowing what to do.I have faxed information to them 3 different times that they said would solve this problem but each time they say no fax was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: NJ

Complaint narrative:
A potential employer did my background check and there was a address on the reports that I never lived at nor do I know anyone who does.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.

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 2021-01-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It May Concern, On XX/XX/2020 I disputed an account reported by XXXX XXXX XXXX XXXX  in the file you maintain under my Social Security number. I was informed on XX/XX/2020 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
This happened in XXXX XXXX. I moved out from the apartment early. The lease term suppose to end at XX/XX/XXXX. But XXXX XXXX Manager XXXX XXXX and I made agreement, we both agreed that no fee will be charged. So I moved out on XXXX XXXX. I never received any letter or notice until XX/XX/XXXX, the Quantum collection agent reached out to me, saying I have outstanding balance in 2 separate accounts, one owes {$940.00} in total, another one owes {$790.00}, total of {$1700.00}, however there is {$810.00} in total of cleaning fee and other fees that XXXX XXXX did not have invoice or any evidence of their spending can prove that I own that. And the rest portion of {$920.00} is move in allowance charge back. However I believe that I should not owe {$920.00} of charge back as well because we made orally agreement that they will not charge me for moving out which now I do not have prove of. Now, not only I cant take my security deposit {$1000.00} back, but they also try to charge me even more with those none sense charge. So I offered that I am okay to settle a payment with them, if I really owe those amount, I will pay. And when I talk to the collection agent lady about the Apt does not have invoice, so I should not be charged for cleaning fee plus other fee, and then the collection lady ask me to find prove that I did not owe that ... I dont even know if this is even legal, can they really charge somebody when they don't have any prove or invoice of?? I think this is not legal and ridiculous, and does not make any sense. I hope someone could help me out. They have not reported this to credit bureau yet, because nothing was showed on my report. And they did offer if I pay in full now, they will not 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 2021-01-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

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 2021-01-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

Company response to consumer: Closed with explanation