vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-21 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: HI

Complaint narrative:
I am writing to inform you that I am a victim of identity theft, and fraudulent activity has been reported on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following unauthorized account : Fraudulent Account : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Amount : {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am writing to inform you that I am a victim of identity theft, and fraudulent activity has been reported on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following unauthorized account : Fraudulent Account : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Amount : {$400.00}

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 2024-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I had a prepaid loan paid off with money lion on XX/XX/year> but it has been past the XXXX business days per contract and the loan has not been released I have submitted multiple disputes with money lion and there has been no resolution or updates. 

I have applied per contract but this is not resolved

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: IN

Complaint narrative:
On XX/XX/XXXX, I was notified that FOUR different creditors had run my credit. I have since received tons of mail from people saying they ran my credit and I could not get an auto loan. The problem is that I NEVER requested nor authorized any of these companies to review my credit or give me an auto loan. 

These are the companies that requested my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 None of them were authorized to run my credit, and they won't help me over the phone. Now, my credit score has tanked by XXXX points because of multiple hard inquiries that I never made. I am not sure if this is a case of identity theft, as I did have a lot going on with family and in the process of moving, but either way, I find their lack of help astounding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
American Express has emailed request three times, to complete questionnaire as a lawful requirement to continue to retain use of the American Express Business card. The contact was unable to cite the law and also acknowledged a third party was collecting the data. I have been a AMEX Business card holder since 1970. This intrusion, I view, as an invasion of my privacy. Without cited the law requiring divulging information AMEX has no basis to curtail use of this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have several accounts currently in dispute and I have been unable to get assistance on how to support my argument with the police report evidence that pertains for a fair investigation.

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 2024-11-21 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been constantly having the same issue with this bank! I will purchase something then the amount for the purchase will be taken as pending. Once the purchase is posted the amount will be taken out again but will still be on the account as pending. This has happened multiple times. Most recently it happened with XXXX. I made a purchase for XXXX $ on XX/XX/year> and it was pending as of yesterday XX/XX/year>. Then today I was charged XXXX again when the XXXX payment posted. However the pending transaction is still on my account. I called customer service and they tried to claim that I was charged twice and it was the merchant, XXXX, fault. This has happened multiple times with multiple different merchants and it only happens with capitol one. I never have this problem with anyone of my other bank accounts at other institutions. Its no reason that the same transaction should be pending and posted at the same time. If it was a double charge like customer service tried to claim it would have been two pending transaction of the same amount before it posted today and the money would have been taken out twice when I first made the purchase not when it post. Then they said I would have to wait until XX/XX/year> for the pending transaction to fall off even though it posted today XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
I was contacted by credit karma on XX/XX/XXXX that a collection was placed on my account .I looked it up and it is a charge from T mobile. I do not have an account with T mobile. I was at the T mobile store in XXXX of XXXX  and they were having a 14 day trial promotion for their wi-fi. The store signed me up to try their wi-fi and I took home a modem/router. I returned the modem/router after 3 days and told the store that I decided not to subscribe to their internet service. They gave me a return receipt which I do have. 
Apparently they did not cancel my account and generated a bill, which I had no knowledge of. I have never once received any kind of a bill or I would have contacted T mobile and questioned it. 
I called XXXX XXXX  customer service at least 6 times trying to resole the issue. I was told there is nothing they can do since it is in collections. I was also told that they can see I returned their equipment and did not use their services and that they would notate that. 
I was told to contact the collection agency and tell the collection agency to look at T mobile 's notation. I was also told to go to the store and i was told by the manager that he could do nothing to help me and that I should just pay the bill and be thankful I have good health and it is only my credit score frustrating me. 
I filed XXXX disputes with XXXX and they say the collection is valid. 
I feel it is not because I should not have to pay for services that I dd not use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently noticed unauthorized information on my credit report that should not be there. This includes an item that I did not authorize or agree to, which is now negatively impacting my credit score. I have no association with this account or item, and it appears to have been added to my report in error.

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 2024-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I am writing to formally request your assistance in addressing a credit reporting issue involving Toyota Financial Services and my car loan during the COVID-19 pandemic.

During the government-mandated shutdowns caused by COVID-19, my businessa source of incomewas completely shut down and unable to operate. In light of this unprecedented situation, I proactively reached out to Toyota Financial Services to explain my financial hardship caused by the natural disaster and proposed a resolution. 

I offered to pay the total price of the car, excluding the interest, and requested that Toyota Financial Services take back the car and close the account. They agreed to my proposal, accepted the payment, and repossessed the car. However, despite fulfilling this agreement, they subsequently reported the account as a foreclosure, which has negatively impacted my credit score.

This foreclosure report is unjustified because : 1. The financial hardship was caused by a government-mandated shutdown during a natural disaster.

2. Toyota Financial Services agreed to the proposed resolution, which included payment in full of the original loan amount ( excluding interest ) and repossession of the car.

3. The terms of the agreement were fully satisfied, and the foreclosure reporting is inaccurate and unfair under the circumstances.

Thank you for your time and attention to this matter. I am happy to provide additional documentation or details as needed to support this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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:
Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information.

The account in question is as follows : 1. Account Name : [ XXXX XXXX ] Date Listed : [ XXXX XXXX, XXXX 2. Account Name : XXXX Date Listed : XX/XX/XXXX The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action.

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
I am writing to formally report that I have been a victim of a data breach and identity theft. As a result, several unauthorized accounts and inquiries appear on my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Unauthorized Accounts 1. XXXX XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$0.00} 2. XXXX  XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$2500.00} 3. XXXX XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$11000.00} 4. XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$3000.00} 5. XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$3000.00} 6. XXXX  Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$2300.00} Unauthorized Inquiries 1. XXXX XXXX XX/XX/XXXX 2. 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 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-21 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: PA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief