vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: TX

Complaint narrative:
My name is XXXX XXXX am XXXX XXXX XXXX and I have two dependents that I claim every year since they are born. I am a single mother and do this all on my own. I'm certain that you have received numerous of complaints as I am bring forth to you this evening. I'm aware and sure that this submission is has a big possibility of slipping through the cracks and I am never going to be provided the respect that everyone deserves. I'm coming to you today to let you know of the extreme mental decline status I have been put in by the number of times I have been ignoring, laughed at or made me feel as if this world would be better off without my presents. At this point I really do believe that my kids would much more financially stable if I were eliminated at this point. I have attempted so many times to request assistance from three credit bureaus to help my children and I. On XX/XX/2023 my mother passed away and she was the one who honestly believed that I was a true asset to this world and never gave up on helping me and my kids out. I have delt with multiple suicidal attempts that have been evaluated by actual licensed medical professionals and have been diagnosed multiple times only to have my application for XXXX be rejected for reasons unknown. Now that my mother is gone from here, I'm here and feel so alone. I live a life that is going to be acceptable in any legal standards to provide for my XXXX XXXX  and have done everything possible to keep them at my side. My credit report paints a picture of someone that is not me. There are things on my credit report that I have contested over and over again. Only for them to continue to terrorize me and my life. I am one step away from being placed out in the street and I honestly to God do not have anyone that I would be able to turn for help. That's one of the most scariest things I have swollow and accept at this point of my life. How do you sleep at night? Because I have not had one good nights rest since I can remember. My past adolescent life is something that I had to foresee and I have learned very much so from. This does not mean that these companies take that and assume I am the same kid I was years and years ago.. something has got to give. Please help 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 explanation
Consumer complaint received 2023-11-16 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:
My name is XXXX XXXX am XXXX XXXX XXXX and I have two dependents that I claim every year since they are born. I am a single mother and do this all on my own. I'm certain that you have received numerous of complaints as I am bring forth to you this evening. I'm aware and sure that this submission is has a big possibility of slipping through the cracks and I am never going to be provided the respect that everyone deserves. I'm coming to you today to let you know of the extreme mental decline status I have been put in by the number of times I have been ignoring, laughed at or made me feel as if this world would be better off without my presents. At this point I really do believe that my kids would much more financially stable if I were eliminated at this point. I have attempted so many times to request assistance from three credit bureaus to help my children and I. On XX/XX/2023 my mother passed away and she was the one who honestly believed that I was a true asset to this world and never gave up on helping me and my kids out. I have delt with multiple suicidal attempts that have been evaluated by actual licensed medical professionals and have been diagnosed multiple times only to have my application for XXXX be rejected for reasons unknown. Now that my mother is gone from here, I'm here and feel so alone. I live a life that is going to be acceptable in any legal standards to provide for my XXXX XXXX  and have done everything possible to keep them at my side. My credit report paints a picture of someone that is not me. There are things on my credit report that I have contested over and over again. Only for them to continue to terrorize me and my life. I am one step away from being placed out in the street and I honestly to God do not have anyone that I would be able to turn for help. That's one of the most scariest things I have swollow and accept at this point of my life. How do you sleep at night? Because I have not had one good nights rest since I can remember. My past adolescent life is something that I had to foresee and I have learned very much so from. This does not mean that these companies take that and assume I am the same kid I was years and years ago.. something has got to give. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: NY

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-16 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 has reasonable cause to believe that the information is inaccurate.

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 2023-11-16 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-11-16 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:
My name is XXXX XXXX am XXXX XXXX XXXX and I have two dependents that I claim every year since they are born. I am a single mother and do this all on my own. I'm certain that you have received numerous of complaints as I am bring forth to you this evening. I'm aware and sure that this submission is has a big possibility of slipping through the cracks and I am never going to be provided the respect that everyone deserves. I'm coming to you today to let you know of the extreme mental decline status I have been put in by the number of times I have been ignoring, laughed at or made me feel as if this world would be better off without my presents. At this point I really do believe that my kids would much more financially stable if I were eliminated at this point. I have attempted so many times to request assistance from three credit bureaus to help my children and I. On XX/XX/2023 my mother passed away and she was the one who honestly believed that I was a true asset to this world and never gave up on helping me and my kids out. I have delt with XXXX XXXX XXXX  that have been evaluated by actual licensed medical professionals and have been diagnosed multiple times only to have my application for XXXX be rejected for reasons unknown. Now that my mother is gone from here, I'm here and feel so alone. I live a life that is going to be acceptable in any legal standards to provide for my XXXX children and have done everything possible to keep them at my side. My credit report paints a picture of someone that is not me. There are things on my credit report that I have contested over and over again. Only for them to continue to terrorize me and my life. I am one step away from being placed out in the street and I honestly to God do not have anyone that I would be able to turn for help. That's one of the most scariest things I have swollow and accept at this point of my life. How do you sleep at night? Because I have not had one good nights rest since I can remember. My past adolescent life is something that I had to foresee and I have learned very much so from. This does not mean that these companies take that and assume I am the same kid I was years and years ago.. something has got to give. Please help 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 explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: NM

Complaint narrative:
I received two phone calls on XX/XX/XXXX from this numberXXXX XXXX XXXX XXXX, they called again on XX/XX/XXXX. On the XXXX, I spoke to the gentleman on the phone and expalined to him the account he was calling about was part of my debt settlement agreement with XXXX XXXX XXXX and to please call them. He then told me they did call them and XXXX XXXX XXXX claimed not to have an account for me. i told him again to contact them. After getting off the phone with them, I called XXXX XXXX and confirmnd the XXXX account was enrolled in my plan. I then submitted a contact us request online through Spring Oak Capitlal 's website and even provided the phone number for them to call and asked them not to call me. A week later, i received another phone call. The gentleman on the phone told me, yes we see XXXX XXXX XXXX but no phone number for them. I told him I sent the phone number to them via their portal. 
I again went on the portal and submitted a second request to not contact me. Yesterday evening, XX/XX/XXXX, they called me again at XXXX. I did not answer. I have been faithfully working on all my debts and working with XXXX XXXX XXXX for almost 2 years. 5 of my creditors have been settled and paid in full. If they do not want to work with XXXX, they need to just leave me alone. I can not afford to pay XXXX and them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: GA

Complaint narrative:
I have continued to try to have Equifax delete the inaccurate information that the companies are reporting. This has to be the fourth round of letters and some of the information remains unchanged. Charge offs are listed as open and carrying balances. Collection agencies are listed as open and I never had verification of the debts that are appearing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: FL

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-16 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 has reasonable cause to believe that the information is inaccurate.

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 2023-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
I would like proof that toyota financial services are the real party in interest the federal rules of civil procedure ( ''Fed.R.Evid. '' ) rule 17 ( a ) states that every action shall be prosecuted in the name of the real party in interest. The effect of this passage is that the action must be brought by the person who, according to the governing substantive law, is entitled to enforce the right. One for whose benefit a contract between other parties has been made is a real party in interest and may sue the obligated contracting party......... I am asking for proof of assignee and assignee of the assignment ... ... ... ... .also please provide an affidavit regarding the transfer of promissory note sufficed to permit the claimant to enforce a loan debt against the mKe of the note

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: GA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$440.00} ; XXXX XX/XX/2023.

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