vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a concern about the compliance procedure Equifax are following. I have tried to resolve this matter multiple times. Please help me hold Equifax accountable. The inaccuracies and identity theft pertain to my credit report with Equifax, specifically related to my auto loan account number XXXX associated with XXXX XXXX XXXX XXXX and an account from XXXX with the account number XXXX. These inaccuracies flagrantly contravene crucial sections of the Fair Credit Reporting Act ( FCRA ), notably Sections 1681e ( b ), 1681s2, 1681c, and 1681o. Of significant concern is the erroneous depiction of a 60-day late payment for XXXX, despite preceding months reflecting consistent and timely payments. Additionally, critical months, such as XXXX, XXXX, XXXX, and XXXX, exhibit missing account activity data, leading to an incomplete depiction of credit activity. 

The account status designation, incorrectly indicating NOT MORE THAN TWO PAYMENTS PAST DUE, contradicts the factual payment history and lacks essential details such as a date of last activity. Furthermore, the reporting of the account status as open or delinquent conflicts with the actual status of the account, which has been paid/closed or paid as agreed.

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

Complaint narrative:
I have a concern about the compliance procedure Equifax are following. I have tried to resolve this matter multiple times. Please help me hold Equifax accountable. The inaccuracies and identity theft pertain to my credit report with Equifax, specifically related to my auto loan account number XXXX associated with XXXX XXXX XXXX XXXX and an account from XXXX with the account number XXXX. These inaccuracies flagrantly contravene crucial sections of the Fair Credit Reporting Act ( FCRA ), notably Sections 1681e ( b ), 1681s2, 1681c, and 1681o. Of significant concern is the erroneous depiction of a 60-day late payment for XXXX, despite preceding months reflecting consistent and timely payments. Additionally, critical months, such as XXXX, XXXX, XXXX, and XXXX, exhibit missing account activity data, leading to an incomplete depiction of credit activity. 

The account status designation, incorrectly indicating NOT MORE THAN TWO PAYMENTS PAST DUE, contradicts the factual payment history and lacks essential details such as a date of last activity. Furthermore, the reporting of the account status as open or delinquent conflicts with the actual status of the account, which has been paid/closed or paid as agreed.

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

Complaint narrative:
My credit was ran by XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX and I did not authorize these inquiries. It is being reported on my credit report without authorization and I would like this inquiry removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a complaint for the following : I am writing this as I am a consumer and has been a victim of inaccurate reporting by XXXX XXXX on their account [ Account Number : XXXX ]. I want to bring to your attention the fact that the account has been inaccurately reported as " paid twice ''. This error on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) regulations. I am hereby requesting the Credit Bureau to remove any and all credit information associated with XXXX XXXX 's account [ Account Number : XXXX ] from my credit report, as your bureau is a party to this reporting of incorrect payment history. The inclusion of such an entry in my credit report, as " paid twice '' has adversely affected my credit score, which in turn has had unnecessary financial consequences. 

The accurate information which XXXX creditor should have had provided was in fact that I made a payment in full for the account [ Account Number : XXXX ] and the account was closed after balance was fully paid at end of year 2020. 

Any entries reporting an incorrect status or repeating the same information would not only be a violation of FCRA guidelines but also misleading as such double pay or overdue/pending payments ultimately give incorrect certainty to my creditor scoring. The reporting of " paid twice '' has marginalized my credit standing with the worthiness as a borrower and also has had impacts like higher interest rates, having difficulty in securing loans from various lenders, and so summarily created unnecessary financial hardships. This reporting error by XXXX XXXX has caused significant inconveniences to me and failed to comply with FCRA provisions. The FCRA regulations aim to protect consumers from inaccurate credit information, and as such, any violations of these laws will attract legal actions for failure to comply. 


I have demanded deletion of this account fully due to lack of providing investigation procedure and for the financial hardships this has caused me. 

the response i received to my request was " Collection : XXXX XXXX XXXX ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THIS CREDITOR IS CURRENTLY REPORTING A ZERO BALANCE FOR THIS ACCOUNT. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF XXXX DELIQUENCY '' They did not delete this account instead have been updating it after being in violation. 

Today I have found out that I am also a victim of data breach because of there practices and violations. 


I am demanding full removal of this account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I trust this letter finds you well. I am writing to you as a valued customer to address a matter of concern regarding the late payments recorded on my account. I have recently noticed that there have been late payments recorded on my account. I kindly request your understanding and assistance in removing the recorded late payments from my account history. I am committed to ensuring a more consistent and timely payment schedule in the future and value the positive relationship I have with CALIBER XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the CALIBER customer service representative. I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps. Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.

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

Complaint narrative:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: 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: KY

Complaint narrative:
I was reviewing credit report and I found hard inquiries that do not belong to 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 non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the persistent presence of fraudulent accounts on my credit report, specifically with your bureau. It has come to my notice that, despite successfully disputing and having these accounts removed from my credit reports with other bureaus, the same fraudulent entries continue to exist on the report maintained by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 
The swift action taken by these bureaus in removing the entries further underscores the veracity of my claims. It is perplexing and frustrating that your bureau has not taken similar corrective measures, especially when other credit reporting agencies have acknowledged and rectified the issue promptly. The inconsistency in reporting across bureaus is not only confusing but also damaging to my financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I had used a loan through Toyota Financial to purchase a new Toyota Tundra from XXXX XXXX Toyota in XX/XX/2020. While speaking to the sales representative and the financial representatives, I was coerced into buying an additional security package as well as extended warranty/service items. 
After probably a month, I felt like I made a mistake by purchasing the additional bundles and I contacted Toyota at XXXX XXXX several times to rectify the issue by cancelling the services. One, I made numerous attempts to contact my sales representative, to which she never replied, and had to make several trips to the dealership to speak with someone. 
I was told that the security package was nonrefundable, and that the extended warranty services were refundable but that XXXX XXXX would not be able to do it for me and that I would have to take care of it on my own. Eventually I was able to convince them to submit the paperwork on my behalf, however my monthly payments remained the same. 
I was then stationed in XXXX and was unable to get any confirmation from XXXX XXXX whether my additional bundles were cancelled. 
Additionally, I was also promised an installation of a rear sway bar as part of my deal, but XXXX XXXX never fulfilled this requirement.

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

Complaint narrative:
I am writing to express my deep dissatisfaction with the handling of fraudulent items on my credit report. Despite my numerous attempts to address and rectify this matter, the fraudulent items persist, and it is disheartening to note the lack of resolution. 

Clearly outline the fraudulent items on your credit report, including the account names, dates, and any other relevant details. 

Provide a concise summary of the steps you have taken to address the issue, including dates and methods of communication with the credit bureau. 

Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. 

Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. 

Clearly state your expectations for the resolution, emphasizing the need for a thorough investigation and the prompt removal of the fraudulent items from your credit file. 

Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. Iam asking for your assistance to remove these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep dissatisfaction with the handling of fraudulent items on my credit report. Despite my numerous attempts to address and rectify this matter, the fraudulent items persist, and it is disheartening to note the lack of resolution. 

Clearly outline the fraudulent items on your credit report, including the account names, dates, and any other relevant details. 

Provide a concise summary of the steps you have taken to address the issue, including dates and methods of communication with the credit bureau. 

Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. 

Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. 

Clearly state your expectations for the resolution, emphasizing the need for a thorough investigation and the prompt removal of the fraudulent items from your credit file. 

Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. Iam asking for your assistance to remove these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC
State: WY

Complaint narrative:
Approved for a loan believe they were phishing for my information and bank accounts

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