vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 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: TX

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 XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX  XXXX # XXXX Account Name XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXXXXXX XXXX # XXXX Account Name XXXX XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX Inquired on XX/XX/year> 2024

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 2024-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX  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 XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  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 XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-11-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
XXXX Dear Consumer Financial Protection Bureau, This matter concerns my lease of a XXXX  XXXX ( XXXX, XXXX  ) secured from XXXX XXXX ( Florida ). 

Southeast Toyota Finance ( SETF ) has a strange website notice which reads : Southeast Toyota Finance will not receive immediate notice of payments you make online. To avoid potential repossession of the vehicle, please contact us before you make an online payment, XXXX. 

Southeast Toyota Finance ( SETF ) website claims I owe {$2000.00}, but the monthly payments are just over {$650.00} and as I recall I made payments through XX/XX/XXXX and have only missed payments in XXXX and XX/XX/XXXX. Therefore the amount due is actually closer to {$1300.00} ( not {$2000.00} in my estimation ) as I understand. 

The problem is the Southeast Toyota Finance ( SETF ) website does not allow me to see my past payment history to make accurate calculations and computations, regarding what needs to be paid and what is past due. 

XXXX XXXX XXXX  Account # : XXXX VIN : XXXX I want to make a payment for {$650.00} today ( normal monthly payment today ), but can not because SETF is trying to force a {$2000.00} payment from me, which appears to have excessive fees I did not agree to and can not dispute as SETF will not reply to my emails. My USA phone is presently not working and I am outside the country in XXXX. I also can not see my payment history on the SETF website. 

Because SETF is not reducing my money owed to them after I make payments on its website, I am concerned about CONSUMER FRAUD and am filing a complaint with the XXXX XXXX XXXX to ensure SETF updates their financial records before forcing me to make double and triple payments above and beyond what I am required to pay. 

I am a poorly paid school teacher living on a small salary. 

I am asking SETF to update its financial records on my account and its website to allow me to see my payment history. Moreover, when I make an online payment on SETFs website, I want it to allow me to do so in part and not require me to pay an excess amount of {$2000.00} Thirdly, the XXXX XXXX  has squeaking breaks, although only XXXX miles and the technicians at XXXX XXXX have not been able to identify the problem upon evaluating the vehicle three times already ; leaving me to believe this vehicle has irreparable manufacture defects and is a lemon. 

Fourthly, I currently have an XXXX  XXXX, which I recently learned about from my doctor when I was evaluated via an XXXX XXXX and must slow down my pace of life to care for and attend to my health. Of course I will continue working, but need some grace and patience from SETF while I adjust my work and lifestyle so I do not prematurely drop dead. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sincere thanks for your kind assistance and intervention. 

Respectfully with gratitude. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: SC

Complaint narrative:
I, XXXX XXXX, am addressing several serious violations of the Fair Credit Reporting Act ( FCRA ) and related laws that have occurred regarding the handling of my credit report and personal information. These violations involve inaccurate reporting, unauthorized hard inquiries, and deceptive practices that have caused me undue stress and harm. 

Specifically : FCRA Section 616 : The credit reporting agencies accepted and reported credit information about me without verifying its accuracy, which constitutes willful noncompliance and could result in civil liability of up to {$1000.00} per violation.

FCRA Section 603 ( d ) ( 2 ) ( A ) : They failed to disclose my right to opt out of sharing personal information, violating my consumer rights and engaging in deceptive practices.

FCRA Section 623 ( a ) ( 3 ) : They furnished inaccurate and improperly validated accounts and inquiries, failing to meet the standards of accuracy required by law. 

FDCPA Violations : Creditors and debt collectors engaged in unfair practices by reporting inaccurate debts and harassing me with unwarranted contact based on unverified information.

Disclosure Violations : Debt collectors improperly shared my personal and debt-related information with third parties, violating regulations on acquiring location information. 

Inaccurate Reporting of Late Payments : They reported " late payments '' without defining or substantiating what qualifies as late, which is both misleading and a breach of accuracy requirements. 

Unauthorized Hard Inquiries : They allowed hard inquiries to be made on my credit report without my written consent, violating permissible purpose requirements under 15 U.S.C. 1681b ( a ) ( 2 ).

Incorrect Finance Charge Determination : They failed to accurately calculate finance charges, leading to further inaccuracies in my credit report. 

To resolve these violations, I demand the following actions : Update the status of my XXXX account to " paid as agreed, never late. '' Delete the inaccurate collection accounts for XXXX XXXX and XXXX if they can not be verified as 100 % accurate across all three credit bureaus. 
Remove the unauthorized hard inquiries from XXXX and XXXX XXXX on the specified dates. 
Correct or delete all other inaccurate and unauthorized entries from my credit report. 
These issues demonstrate clear noncompliance with the FCRA and other consumer protection laws. If not resolved promptly, I am prepared to pursue legal remedies to enforce my rights.

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 2024-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-11-28 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX  XXXX BALANCED {$5700.00} XXXX  XXXX XXXX BALANCED {$220.00} XXXX XXXX XXXX BALANCED {$200.00} XXXX  XXXX BALANCED {$480.00} XXXX XXXX XXXX XXXX BALANCED {$200.00} XXXX XXXX XXXX BALANCED {$200.00} XXXX XXXX XXXX BALANCED {$440.00} XXXX XXXX XXXX BALANCED {$260.00} XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX XXXX XXXX XXXX BALANCED {$3000.00} XXXX XXXX  XXXX BALANCED {$3000.00} XXXX  XXXX BALANCED {$910.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX BALANCED {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$5300.00} XXXX  XXXX XXXX BALANCED {$110.00} XXXX  XXXX XXXX BALANCED {$2700.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: GA

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 explanation
Consumer complaint received 2024-11-28 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: IL

Complaint narrative:
I am filing an urgent complaint regarding fraudulent accounts and inquiries on my credit reports caused by identity theft, which have severely impacted my financial well-being. Fraudulent accounts, including XXXX XXXX XXXX XXXX, XXXX XXXX , and XXXX  XXXX, and numerous unauthorized inquiries such as XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX , XXXX XXXX , XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX ( multiple ), XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, and XXXX, appear on my credit reports . Incorrect addresses, such as XXXX XXXX XXXX , XXXX, IL, and XXXX XXXX XXXX XXXX, XXXX, MN, and an employer, XXXX XXXX XXXX XXXX, have also been falsely attributed to me, while my actual address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. These inaccuracies violate 15 U.S.C. 1681e ( b ) ( requiring accurate reporting ), 15 U.S.C. 1692g ( creditor notification within 5 days ), and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( failure to validate debts ). Further, under 15 U.S.C. 1681c-2, I am entitled to immediate removal and permanent blocking of these fraudulent entries, yet despite submitting supporting documentation ( police report, proof of identity, and certified dispute letters ), no corrective action has been taken. I demand the immediate removal and blocking of fraudulent accounts and inquiries, correction of inaccurate information, and compliance with federal law to prevent further damage to my credit. Failure to resolve this matter promptly will leave me no choice but to pursue legal remedies.

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 2024-11-28 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: IL

Complaint narrative:
I am filing an urgent complaint regarding fraudulent accounts and inquiries on my credit reports caused by identity theft, which have severely impacted my financial well-being. Fraudulent accounts, including XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX and XXXX  XXXX, and numerous unauthorized inquiries such as XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX ( multiple ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, appear on my credit reports . Incorrect addresses, such as XXXX XXXX XXXX XXXX XXXX, IL, and XXXX XXXX XXXX XXXX, XXXX, MN, and an employer, XXXX XXXX XXXX XXXX, have also been falsely attributed to me, while my actual address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. These inaccuracies violate 15 U.S.C. 1681e ( b ) ( requiring accurate reporting ), 15 U.S.C. 1692g ( creditor notification within 5 days ), and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( failure to validate debts ). Further, under 15 U.S.C. 1681c-2, I am entitled to immediate removal and permanent blocking of these fraudulent entries, yet despite submitting supporting documentation ( police report, proof of identity, and certified dispute letters ), no corrective action has been taken. I demand the immediate removal and blocking of fraudulent accounts and inquiries, correction of inaccurate information, and compliance with federal law to prevent further damage to my credit. Failure to resolve this matter promptly will leave me no choice but to pursue legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: GA

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-11-28 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:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-11-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.

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