vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On several occasions I have contacted the company XXXX  and the CRAs to provide a copy of a contract with a wet signature proving my business interaction directly with the reporting company of XXXX. Per XXXX, I was told to look online for this information and there no available information. I have asked to have the reportings removed if the information could not be provided and the companies continue to report against my request of proof. Neither of the reporting companies have given me a valid source of proof to report those disputed 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On several occasions I have contacted the company XXXX and the CRAs to provide a copy of a contract with a wet signature proving my business interaction directly with the reporting company of XXXX. Per XXXX, I was told to look online for this information and there no available information. I have asked to have the reportings removed if the information could not be provided and the companies continue to report against my request of proof. Neither of the reporting companies have given me a valid source of proof to report those disputed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On several occasions I have contacted the company XXXX and the CRAs to provide a copy of a contract with a wet signature proving my business interaction directly with the reporting company of XXXX. Per XXXX, I was told to look online for this information and there no available information. I have asked to have the reportings removed if the information could not be provided and the companies continue to report against my request of proof. Neither of the reporting companies have given me a valid source of proof to report those disputed 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of XXXX. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so i may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf so i may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Please remove all accounts listed below : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX AccountNumber : 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of XXXX I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so i may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf so i may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Please remove all accounts listed below : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX AccountNumber : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CARCO Group, Inc.
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my XXXX IntelliXXXX report, under the Fair Credit Reporting Act. I am requesting a copy of my XXXX IntelliXXXX report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$8400.00} XXXX XXXX XXXXXXXX Balance Owed : {$3700.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1600.00}

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 non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
on XXXX XXXX XXXX i sent some letters to Equifax about the method of verification of the way the conduct their investigations, about the procedure that Equifax uses, looks like Equifax is either not really investigating anything or they just like to stall tactic method on Federally protected consumers like me and not provide real documentation to back up any claim that an item was actually verified according to the Federal Fair Credit Reporting Act ( FCRA section 611 ). I would like your help in this matter. I feel as though Equifax does not care about breaking federal rules. CFPB please help me..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have inquires on my credit record that was not done by me these are the company '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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have inquires on my credit record that was not done by me these are the company 's FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my XXXX XXXX under the Fair Credit Reporting Act. I am requesting a copy of my TransUnion XXXX report sent to me via mail.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
The Declaration of Independence : Under the authority of the Consumer Financial Protection Bureau ( CFPB ) as provided by 12 CFR 1026.23 ( d ) ( 2 ) - Right of Rescission, I, XXXX XXXX, hereby invoke my right to dispute and request the rescission of credit transactions reported by XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. These disputed transactions are subject to rescission because they were not authorized by me, hence violating the principles set forth in the Truth in Lending Act ( TILA ), as implemented by the CFPB 's Regulation Z ( 12 CFR 1026 ).

In accordance with 12 CFR 1026.23 ( d ) ( 2 ), a consumer 's right of rescission renders any security interest void upon exercise of this right. Therefore, I am not liable for any charges or debts purportedly incurred under these disputed transactions [ 1 ].

Furthermore, Regulation Z ( 12 CFR 1026.15 ) stipulates the procedure for exercising the right to rescind, which includes notification to the creditor via mail, telegram, or other written communication [ 2 ]. Accordingly, this letter serves as formal notification of my intention to rescind these transactions. Please explain to me how, in both cases, it is undeniable that they were handled exactly the same, both closed and written off in the exact same way. Yet, one was deleted from my credit report but then put back on, while the other stayed on my credit report. How and what makes one be completely removed and the other remain for 7 years? I have disputed them in the same manner, being that they are the same : 'closed/written off ' without my signature or a record of the advancement being taken on my accounts. Yet, one is removed and the other is not. Is this what your company considers fair, equal findings?

What makes one different from the other? It's not fair, clearly placing me in harm 's way and intentionally harming my well-being. Also, I ask why you take the accounts off then put them back on with different dates and different prices? My person and my rights are being violated by the two described parties, as well as this reporting company, by the Constitution of the United States of America.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX, at the time of purchase I was offered by the dealer an extended warranty that for 7 years or XXXX miles that would cover everything under the hood in the car in case something goes wrong. On Saturday XX/XX/XXXX I was driving on the Turnpike heading to New York and the car was overheating while driving. I then had to pay for a tow truck to have the car towed to the XXXX XXXX XXXX and pay for a Taxi to drop me home. it was very inconvenient and unpleasant. On Tuesday XX/XX/XXXX I received a call from XXXX at the JEEP Dealer XXXX to inquire about the issue the car was having. I was informed by XXXX that my car was not covered by the warranty company because the issue was non-mechanical. XXXX also said they would charge me to replace the coolant only which is {$290.00}. when the car was ready for pick up I had to pay for a taxi again to pick up the vehicle from the dealer..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I trust this letter finds you, though regrettably, it comes amidst an ongoing and concerning issue. I am writing to express my escalating dissatisfaction with the persistent challenges I have faced in attempting to remove fraudulent items from my account with your company. 

The presence of fraudulent items not only compromises the security of my financial information but also erodes the trust I have placed in your company 's services. Despite my multiple attempts to address and rectify this situation, the lack of resolution is both disconcerting and unacceptable. 

I implore you to conduct an immediate and thorough investigation into the fraudulent items on my account and take decisive action to remove them without further delay. Furthermore, I seek a comprehensive explanation for the persistent challenges in addressing this matter and a commitment to implementing preventative measures to safeguard against future occurrences. 

Should this matter not be resolved withinthe exact timeframe from the date of this letter, I will be compelled to escalate this complaint by reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I trust this letter finds you, though regrettably, it comes amidst an ongoing and concerning issue. I am writing to express my escalating dissatisfaction with the persistent challenges I have faced in attempting to remove fraudulent items from my account with your company. 

The presence of fraudulent items not only compromises the security of my financial information but also erodes the trust I have placed in your company 's services. Despite my multiple attempts to address and rectify this situation, the lack of resolution is both disconcerting and unacceptable. 

I implore you to conduct an immediate and thorough investigation into the fraudulent items on my account and take decisive action to remove them without further delay. Furthermore, I seek a comprehensive explanation for the persistent challenges in addressing this matter and a commitment to implementing preventative measures to safeguard against future occurrences. 

Should this matter not be resolved withinthe exact timeframe from the date of this letter, I will be compelled to escalate this complaint by reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation