vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Dear Mazda Financial Services Team, I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) for the charged-off loan associated with my account ending in XXXX. 

Account Details Account Holder Name : XXXX XXXX XXXX XXXX Account Number : XXXX Loan Type : Auto Loan Date of Charge-Off ( if known ) : XX/XX/year> This document is essential for my tax records, as the Internal Revenue Service XXXX IRS ) requires me to report any canceled debt as income. I kindly request that you confirm whether a Form 1099-C has been issued for this account. If it has, please send a copy to the address provided above.

Additional Information If a Form 1099-C has not yet been issued, I kindly request confirmation of whether the debt has been canceled and any applicable documentation to comply with IRS requirements . 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am writing to notify you of a situation in which credit cards were opened in my name without my knowledge or consent. I recently discovered that my mother opened several credit accounts under my name, and I did not authorize or apply for these accounts. 
The affected accounts are : XXXX XXXX XXXX XXXX Capital One XXXX ( XXXX ) I have filed a police report regarding this matter, but I am hoping the situation can be resolved without needing further legal action. If my mother is able to pay off the balances on these accounts and transfer them into her name, I believe this would resolve the issue without the need for ongoing legal involvement. However, if this solution is not possible and the accounts remain in my name, I will need to proceed with the police report and take the necessary legal steps to clear my name and credit. I kindly request your assistance in investigating this matter, ensuring that any fraudulent charges or debts are removed from my credit report, and that the accounts are either transferred or closed. 
I would appreciate your prompt attention to this situation and would be grateful for any advice on how to proceed while the matter is being resolved. Please let me know if any additional information or documentation is required. 
Thank you for your understanding and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I am writing to notify you of a situation in which credit cards were opened in my name without my knowledge or consent. I recently discovered that my mother opened several credit accounts under my name, and I did not authorize or apply for these accounts. 
The affected accounts are : XXXX XXXX Wells Fargo XXXX XXXX XXXX ( XXXX ) I have filed a police report regarding this matter, but I am hoping the situation can be resolved without needing further legal action. If my mother is able to pay off the balances on these accounts and transfer them into her name, I believe this would resolve the issue without the need for ongoing legal involvement. However, if this solution is not possible and the accounts remain in my name, I will need to proceed with the police report and take the necessary legal steps to clear my name and credit. I kindly request your assistance in investigating this matter, ensuring that any fraudulent charges or debts are removed from my credit report, and that the accounts are either transferred or closed. 
I would appreciate your prompt attention to this situation and would be grateful for any advice on how to proceed while the matter is being resolved. Please let me know if any additional information or documentation is required. 
Thank you for your understanding and cooperation.

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 2025-01-04 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: CITIBANK, N.A.
State: OK

Complaint narrative:
I am writing to notify you of a situation in which credit cards were opened in my name without my knowledge or consent. I recently discovered that my mother opened several credit accounts under my name, and I did not authorize or apply for these accounts. 
The affected accounts are : Citibank CBNA XXXX XXXX XXXX XXXX CBNA ( Citibank ) I have filed a police report regarding this matter, but I am hoping the situation can be resolved without needing further legal action. If my mother is able to pay off the balances on these accounts and transfer them into her name, I believe this would resolve the issue without the need for ongoing legal involvement. However, if this solution is not possible and the accounts remain in my name, I will need to proceed with the police report and take the necessary legal steps to clear my name and credit. I kindly request your assistance in investigating this matter, ensuring that any fraudulent charges or debts are removed from my credit report, and that the accounts are either transferred or closed. 
I would appreciate your prompt attention to this situation and would be grateful for any advice on how to proceed while the matter is being resolved. Please let me know if any additional information or documentation is required. 
Thank you for your understanding and cooperation.

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 2025-01-04 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: AL

Complaint narrative:
15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance.

15 USC 1681c ( 2 ) ( 4 ) - information is not related 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 2025-01-04 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Federal Trade Commission FTC XXXX XXXX XXXX XXXX Washington DC XXXX Subject Complaint Against Equifax Information Services Dear FTC I am writing to formally file a complaint against Equifax Information Services for multiple violations of the Fair Credit Reporting Act and for infringing upon my privacy rights My specific concern involves inaccurate information that Equifax has furnished regarding my account with XXXX XXXX XXXX XXXX which ends in XXXX Despite disputing this inaccurate account for over XXXX years Equifax continues to assert that this account is verified which is untrue I have confirmed with XXXX XXXX XXXX  that my information has been opted out of sharing with non affiliated third party companies This means that Equifax should not have any basis to verify this account as accurate For your reference you may contact XXXX XXXX XXXX  at XXXX to confirm this information In addition I am including a transcript of my conversation with XXXX XXXX Bank regarding this matter, as well as all correspondence from Equifax that demonstrates their stall tactics and claims of being unable to locate my credit file The violations I am reporting include but are not limited to Furnishing inaccurate information Failing to conduct a reasonable investigation into my disputes Infringing on my privacy rights under the Fair Credit Reporting Act Given the severity of these violations I request that this inaccurate account be removed from my credit report immediately EQUIFAX COMMITTED IDENTITY THEFT Identity theft is a crime that occurs when someone uses another person s personal information without their permission This information can include names addresses, credit card numbers, Social Security numbers and bank account numbers Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: MS

Complaint narrative:
IN ACCORDANCE WITH THE FEDERAL CREDIT REPORTING ACT XXXX MUSIC ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MS

Complaint narrative:
IN ACCORDANCE WITH THE FEDERAL CREDIT REPORTING ACT XXXX MUSIC ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2025-01-04 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: DC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-04 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: DC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, EXPERIAN reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and 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 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-01-04 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXXXXXX BALANCED {$480.00}

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 2025-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
XXXX XXXX is a disingenuous Santander XXXX who is extremely passive aggressive, and has ZERO problem solving skills. Clearly, she maliciously and intentionally lied to sabotaged my gap refund. My Santander account was paid off and closed XX/XX/XXXX. She contacted me after XXXX on XX/XX/XXXX with a lot of double talk, and PRETENDING to be oblivious of the exact date my account was paid off, and how her computer wasnt working. XXXX a XXXX who tried to indoctrinate my thinking. Surly, she should have opened the conversation with the date my pay off was received. Again, shes the most deceitful, because she informed me my XXXX would be overnighted, once my payoff was received! Suddenly, shes oblivious to the who she spoke with at XXXX XXXX, and cries victim when questioned. According to XXXX at XXXX XXXX the XXXX was mailed to the XXXX XXXX dealership on XX/XX/XXXX. Initially, I protested, that my XXXX should be mailed overnight to me, and XXXX assured me, that would happen once my payoff was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There seems to be an identity theft going on with my EQUIFAX credit report as someone tried to apply for a credit card with a financial institution with the name " XXXX '' on XX/XX/year> using my SSN and other details without my consent or knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Federal Trade Commission FTC XXXX XXXX XXXX XXXX Washington DC XXXX XXXX XXXX XXXX Equifax Information Services Dear FTC I am writing to formally file a complaint against Equifax Information Services for multiple violations of the Fair Credit Reporting Act and for infringing upon my privacy rights My specific concern involves inaccurate information that Equifax has furnished regarding my account with XXXX XXXX XXXX XXXX which ends in XXXX Despite disputing this inaccurate account for over XXXX years Equifax continues to assert that this account is verified which is untrue I have confirmed with XXXX XXXX XXXX  that my information has been opted out of sharing with non affiliated third party companies This means that Equifax should not have any basis to verify this account as accurate For your reference you may contact XXXX XXXX XXXX  at XXXX to confirm this information In addition I am including a transcript of my conversation with XXXX XXXX XXXX  regarding this matter, as well as all correspondence from Equifax that demonstrates their stall tactics and claims of being unable to locate my credit file The violations I am reporting include but are not limited to Furnishing inaccurate information Failing to conduct a reasonable investigation into my disputes Infringing on my privacy rights under the Fair Credit Reporting Act Given the severity of these violations I request that this inaccurate account be removed from my credit report immediately EQUIFAX COMMITTED IDENTITY THEFT Identity theft is a crime that occurs when someone uses another person s personal information without their permission This information can include names addresses, credit card numbers, Social Security numbers and bank account numbers Thank you,

Company response to consumer: Closed with explanation