vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not permit these companies to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-01-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
This is a formal complaint against Toyota Motor Credit Corporation ( TMCC ), pursuant to Consumer Financial Protection Bureau judgement against TMCC ( Case No. XXXX ) and in relation to the difficulties I experienced during the COVID-19 pandemic which have had a significant impact on my financial situation and credit standing. 

During this challenging period, I held a lease agreement with TMCC. As an employee of a non-profit in the education sector facing financial hardship, I sought to explore options for mitigating my financial burden, including the possibility of amending my lease terms by removing services or paying off the lease prematurely. Regrettably, my attempts to communicate with TMCC were met with insurmountable challenges. The customer service infrastructure, notably the phone tree system, proved to be ineffective and unresponsive, often leading to disconnections or cyclical routing without resolution. Despite repeated attempts over an extended period, my efforts to engage with TMCC to address this matter were unsuccessful. 

Ultimately, resigned to the situation, I prepared for the inevitable repossession of the vehicle. The repossession process was conducted without any prior communication or attempt by TMCC to resolve the issue. This incident, which was avoidable, remains the sole blemish on my otherwise unblemished credit record, and is indicative of an anomaly in TMCC 's business practices at the time. 

Furthermore, I have taken steps to rectify the impact of this incident on my credit reports. This includes submitting requests for the removal of this record to XXXX and XXXX, specifically citing the CFPB 's XX/XX/2023 judgement against TMCC for related lending misconduct. Despite these bureaus acknowledgment of my requests, no changes have been made to my credit history or scores, and I have not received any substantive explanation for this inaction. 

This unresolved matter has adversely affected my ability to secure a car loan, despite maintaining a credit score in the mid-700s. It is my contention that the conduct of TMCC, in this case, is not only inconsistent with the expected standards of customer service but also reflective of the practices for which they were recently sanctioned by the CFPB, and should, therefore, be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NY

Complaint narrative:
I am writing to bring to your immediate attention a critical matter regarding my credit report. Upon reviewing my credit report, I have identified fraudulent accounts that do not belong to me. I am formally disputing the presence of these unauthorized accounts and requesting their aggressive and immediate removal from my credit report. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

I have attached supporting documentation, including a copy of my identity document, police reports, and any other relevant materials, to substantiate the claim that these accounts are a result of identity theft or fraudulent activity. The fraudulent accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand the importance of your role in maintaining accurate and reliable credit information. Given the severity of this situation, I urge you to take swift and aggressive action in investigating and removing these fraudulent accounts from my credit report. 
These unauthorized entries must be deleted as soon as possible to prevent further damage to my credit score and financial standing. I appreciate your understanding of the urgency surrounding this matter and request your prompt attention in resolving this dispute. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of the fraudulent accounts from 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 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Nelnet, Inc.
State: CA

Complaint narrative:
As a consumer, I am enforcing my rights against unfair practices from all credit reporting agencies. FCRA 15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer right 's to privacy. '' As a consumer, I have the right to ensure my private information isn't shared according to 15 USC 6801. I am opting out of the Agreement to report any information on my behalf as authorized by 12 CFR 1016.10 ( a ) ( 2 ) ( 3 ). 
XXXX, XXXX, XXXX, XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is supported by 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. I do not consent to XXXX, XXXX, XXXX, XXXX and all other reporting agencies to furnish my information and whether, it be verbal, non-verbal, written, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. I, XXXX XXXX, the consumer ; was never informed by XXXX, XXXX, XXXX, XXXX and all other reporting agencies, of my right to exercise my nondisclosure option : 15 USC 1681 C ( a ) ( 5 ) : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years ''. 
XXXX, XXXX, XXXX, XXXX and all other reporting agencies are reporting credit inquiries and nonpublic personal information without my permission, which is against the law because my credit report is in adverse account. Every credit reporting agency shall maintain reasonable and fair procedures designed to avoid violations of section 1681 c of 15 USC. Lastly, according to 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time ''. I am opting out of your reporting services. 
:

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Have a few inquiries on my transunion report that doesnt belong to me. I asked transunion to delete them but still on my credit report. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-01-10 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: PA

Complaint narrative:
Hello! I'm reaching out for assistance regarding accounts that are incorrectly reported on my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: PA

Complaint narrative:
Greetings! I need help with accounts that are inaccurately reflected 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 2024-01-10 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: EQUIFAX, INC.
State: MS

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: TN

Complaint narrative:
I submitted this complaint to update this suspicious information. The Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-01-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XX/XX/2024 : I purchased a {$50.00} American Express prepaid card from XXXX in XXXX, XXXX XXXX. I then visited the XXXX website to confirm the card balance but the website just kept hanging on the page requesting the card information. I tried several times later but same result! I attempted to use my prepaid card to pay {$40.00} cellular bill but it declined! I called American Express but their customer service is an automated voice and could not get hold of a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Genesis Credit Management , LLC is attempting to falsely collect a debt of an incorrect amount on behalf of The XXXX on XXXX, a XXXX rental property. I have attempted to resolve this debt with the XXXX accounts receivables team numerous times via email and phone calls. I sent proof via email in support of my dispute of the claimed charges to the XXXX accounts receivables team and they agreed to review and reply with a resolution. I never received any additional communication regarding my debt from XXXX after this, and now they have sent me to collections. The debt that XXXX is claiming I owe is regarding furniture belonging to The XXXX on XXXX that they claim I did not return. The furniture in question the staff at The XXXX on XXXX removed from my apartment within my first week of moving in per an agreement I had with the office management, of which I have emails to support. Genesis Credit Management , LLC is now harassing me for this debt, making 5+ phone calls in a row some days, and more than 7 calls a week. I have sent my request for validation of the charges via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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.

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$210.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is essential to ensure that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the Congress 's policy that financial institutions must actively protect customer privacy and the confidentiality of nonpublic personal information.

A " furnisher of information to credit agencies, '' classified as a financial institution, falls under this title. 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may only provide a consumer report in accordance with the written instructions of the respective consumer. I want to make it clear that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and Experian, lack my consent to furnish this information, and they certainly do not possess my written consent. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, granted to XXXX Experian, or the Furnisher of information to credit agencies is hereby revoked.

Referring to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining how the consumer can exercise the nondisclosure option. The Furnisher of information to credit agencies failed to inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits a consumer reporting agency from including adverse information in a consumer report without authorization. This account, reported as an adverse item, is being presented without my permission, violating the law.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person must not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes. XXXX and Experian are failing to uphold reasonable procedures.

Additionally, 12 CFR 1016.7 affirms that a consumer has the right to opt out at any time. I am choosing to opt out of your reporting services.

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 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my extreme frustration and anger regarding the inaccurate information on my credit report. I have taken all of the necessary steps to dispute these accounts, including contacting the bank and law enforcement agency, filing a report and affidavit, and submitting my claim with your bureau for over 6 months. Despite my efforts, I have received the same ridiculous response every time. This is the XXXX complaint I have filed against them, and it's clear that they are not taking this matter seriously. Your bureau is reporting inaccurate information on my account with XXXX XXXX  XXXX XXXX, which is a clear violation of the FCRA . Reporting must be 100 % accurate, or the information must be deleted. I demand that you take immediate action to rectify this issue. For the record, I am the person submitting this complaint. I have not hired a third party, nor is anyone helping me. This matter must be handled with a sense of urgency, and I expect a prompt response regarding the removal of this inaccurate information. I am tired of being ignored and pushed aside, and I demand that you take this matter seriously. Failure to do so will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: GA

Complaint narrative:
This is a follow-up from complaint # XXXX I updated and submitted information to Transunion and XXXX XXXX days ago to reinvestigate the inaccuracy of the account on my report. When checking my report tonight, they sent an email saying that the accounts were updated. I am aware that under FCRA Section 611, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. During this time, I request that you contact the furnisher of the disputed information to verify the accuracy of the data. In three days, they came back, saying they had updated. See the attachment showing what they just sent.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
XXXXBridgecrest is reporting late payments illegally. This is a defamation to my character. My brother makes the payment it is his vehicle and is a college student. 
According to 15 U.S.C. 1681 section 602 A I have the right to privacy.

15 U.S.C. 1681 section 604A. section 2 it also states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

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