vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: LA

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.

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 XXXX 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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding inaccuracies in the personal information section of my credit report. Upon obtaining a copy of my report, I noticed that incorrect information is being reported under my personal details. To clarify and rectify this issue, I am providing my accurate information below : Name : XXXX XXXX XXXX ( This is my legal name. Please delete any other references to names, as they are not mine and I have never used them. ) Date of Birth : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number ( Last XXXX Digits ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you correct my information as listed above and remove any other inaccurate personal details currently being reported on my credit file. To facilitate this process, I have enclosed the following documentation for your verification : A copy of my government-issued identification card A recent copy of a utility bill ( or bank statement ) confirming my address Please ensure that these corrections are made promptly to prevent any further inconvenience or potential harm caused by these inaccuracies. Kindly confirm receipt of this request and notify me once the corrections have been applied. 

Thank you for your attention to this matter. If you require any additional information or documents, please do not hesitate to contact me. 

Best regards, 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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding inaccuracies in the personal information section of my credit report. Upon obtaining a copy of my report, I noticed that incorrect information is being reported under my personal details. To clarify and rectify this issue, I am providing my accurate information below : Name : XXXX XXXX XXXX ( This is my legal name. Please delete any other references to names, as they are not mine and I have never used them. ) Date of Birth : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number ( Last XXXX Digits ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request that you correct my information as listed above and remove any other inaccurate personal details currently being reported on my credit file. To facilitate this process, I have enclosed the following documentation for your verification : A copy of my government-issued identification card A recent copy of a utility bill ( or bank statement ) confirming my address Please ensure that these corrections are made promptly to prevent any further inconvenience or potential harm caused by these inaccuracies. Kindly confirm receipt of this request and notify me once the corrections have been applied. 

Thank you for your attention to this matter. If you require any additional information or documents, please do not hesitate to contact me. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: PA

Complaint narrative:
On XX/XX/year>. I CALLED. AND ASKED THESE COMPANIES FOR A 1099 C And was told they cant provide me with this form This violates 15 USC 1681 ( e ) ( b ) cancellation of dept and making sure I have a 100 % accurate consumer file FCRA states all consumer report information must be 100 % accurate the accounts below are charged off account and not following consumer law Transunion has allowed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be seeking {$1000.00} per violations on each account

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 2024-12-14 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: FL

Complaint narrative:
MY CREDIT REPORT HAS INQUIRIES THAT DO NOT BELNG TO ME I HAVE BEEN A VICTIM OF THE DATA BREACH AND MY CREDIT WAS USED TO APPLY IN PLACES NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-14 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: FL

Complaint narrative:
MY CREDIT REPORT HAS INQUIRIES THAT DO NOT BELNG TO ME I HAVE BEEN A VICTIM OF THE DATA BREACH AND MY CREDIT WAS USED TO APPLY IN PLACES NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-12-14 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: 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 15 USC 1681.

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 2024-12-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WV

Complaint narrative:
I'm trying to pay my car note in a timely manner, and my account is already behind because they are allowing me to pay my bill. They said the only way I can pay my bill with a credit or debit card is by allowing my account to go into retention and that would further damage my credit and financial standings this also gives them the right to repossess the vehicle. This payment method is pushing me further into debt. When trying to pay my bill in a timely manner that are asking me for my banking information and they are not following the guidelines of the Fair Debt Collection Law. This is the first time they asked for my banking information, I refuse to give them that information they are not allowed by law to ask me that information over the phone. I've paid with my credit card before, they closed my online account and they are telling me that I have to pay using XXXX XXXX. They have a pattern of forcing debt upon people and they do not allow people to pay their car notes in timely manners. They are not allowing me to pay my bill unless it is in the rear. They asked for illegal information like my routing and account number that is not abiding by the FTC, or CFPB statures of the rules. In Addition to Update this current report because nothing has been done to rectify the first complaint. They are now charging an unfair interest rate towards my vehicle because the will not allow me to have the proper accessibility to pay my bills in a timely manner, which is the characteristic of a predatory loan. Ive made multiple attempted and the force me to be a month behind to have accessibility to pay it then charge me an interest higher than the payment amount for the vehicle. I get harassed everyday and receives calls from XXXX to XXXX  times a day from these people though I pay it every month and its only XXXX month behind because they force me do be so ignorer to make a payment. They mentioned I dont have an account created which is due to everytime I go to create one they delete my account and say this account doesn't exist or has been block for such an amount of time. I never had access to an account to create one cause they got my telephone number blacklisted since I they tried to reposes my car the first time and I got it back and havent been able to access my accounts since. Though they act like it an accessible option though that are blocking my acess to the site and in addition to detail they offer a third party western union but that still does not mean they will process it then and there because last time they said they got it and still took XXXX weeks just to process it and now they a charging a predatory intrest rate when they are stalling payment options forcing consumers into ruined credit and debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: NV

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 has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2024-12-14 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:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$0.00} I am also including an FTC Identity Theft Report with the reference number XXXX to further support my claim of identity theft. This report provides additional documentation of the fraudulent activity linked to the Equifax data breach. As mandated under 15 U.S.C. 1681c-2, upon receiving this identity theft report, credit reporting agencies are required to block and delete any information identified as resulting from identity theft within four business days. Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: LA

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.

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 XXXX 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 2024-12-14 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: TX

Complaint narrative:
I recently put a copy of my credit report and realized that I have fraudulent activity. Below are the fraudulent accounts as follows. 

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 2024-12-14 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: IL

Complaint narrative:
Equifax has failed to properly address unauthorized credit inquiries on my credit report. Despite following the appropriate steps to dispute these inquiries, Equifax has failed to take necessary action, provide adequate responses, or remove the unauthorized inquiries from my credit report. 

To dispute these inquiries I disputed online multiple times, I called into their fraud department, and sent all information via certified mail which they stated would be the way to get them removed. Equifax then failed to return the signed receipt confirming they received it. This also raises concerns about whether my documentation was even reviewed or investigated. Within that certified mail was : An FTC Identity Theft Report, A copy of my Social Security card, A copy of my government-issued identification, Proof of my address ( a utility bill ). 

Equifax failed to conduct a thorough investigation into my dispute. I did not receive a clear explanation or a " method of verification '' regarding the inquiries, as required by the Fair Credit Reporting Act ( FCRA ). The unauthorized inquiries remain on my credit report, negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A bill was removed from Experian XXXX and it is not possible to add it back again, it is not even showing up as a potential bill. I sent an email about this to customer service ( XXXX ) on XX/XX/year> and was never responded to. On XX/XX/year> my credit score dropped significantly. The app cited that The time since my last delinquency has decreased but also states the date on the last late payment is the same as it always was, over XXXX years ago. Literally nothing has changed on my report. I cant submit a dispute because there is nothing technically wrong on the report. I called XXXX different numbers this morning trying to speak to an Experian employee and none of the phone trees allow you to talk to someone at all, and will often hang up on you if you ask.

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 2024-12-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently. A complaint against Experian was submitted due to allowing fraudulent information to be entered into my credit report. The response was that the issue with the reporting entity was corrected and acknowledged. I was not allowed to know who the entity responsible for the fraud is. Today. I received another alert from Experian stating the same fraudulent issue but instead with another piece of personal information. I attempted to contact Experian directly in order to follow up on this new development. Not only did they not allow me to speak to someone. I found out according to the CFBP that the original complaint response has been provided to them for me to confirm resolution.

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