vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Subject : Notice of Reinvestigation Regarding Payment Records I am writing to formally dispute the assertion that my payment was late, referencing the case XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and to invoke applicable sections of federal law related to consumer protection. 
In accordance with 15 U.S. Code 1681s2 ( A ) ( 1 ), I am exercising my rights as a consumer to dispute inaccurate information that may have been reported regarding my account. I request that you provide me with all GAAP-compliant financial statements and all other relevant internal records to substantiate your claim regarding the alleged lateness of my payment.

Additionally, under 15 U.S. Code 1666b, I seek verification regarding the timing and processing of my payment, ensuring compliance with established billing procedures. I also wish to emphasize that, as per 15 USC 6802 ( b ) ( c ), the handling of my personal information must be conducted with the utmost care to ensure accuracy and fairness in reporting. Lastly, under 15 USC 1681, Section 602, it is my right as a consumer to know the nature of any information that has been provided to consumer reporting agencies concerning my credit before being reported. 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. In which I received no written request to allow my nonpublic information to be reported by Toyota Motor Corp., XXXX, XXXX, or XXXX which is a violation of federal laws such as the privacy act of 1974. 
Also you stated in a response via cfpb complaint number XXXX that As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation. I believe I have fulfilled my credit obligation to your company so to ensure the accurate books for both parties please send the documents I requested above to settle the matter as soon as possible. To be clear I am requesting all GAAP-compliant financial statements and all other relevant internal records in connection with I, XXXX XXXX account number XXXX and the contract XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX  XXXX. 
HAS VIOLATED MY RIGHTS 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
I discovered unauthorized inquiries on my credit report this evening and have no idea why they're there. I regularly check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries remained. Because of this, I'm requesting that the documents I've submitted be reviewed thoroughly so I can stop worrying about this.

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 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
I recently opened a credit card line with Bank of America. Ive only used my card like 4 times with a total balance of {$160.00}. Everything was okey till yesterday I tried using my card and it said it was suspended. 
Today I tried calling Bank of America and they explained that my account is suspended because of verification issues. They explained that if I want to use my card I have to travel to a near Bank of America ( office branch ) so that they can verify some information. However I live in a place where there is no office branch. I would need to buy an airplane ticket to the United sates just to fix that. I then proceed to ask if I can close my account because that would be better for me. Yet the agent ( XXXX ) tells me I can not close my account via phone. I say my goodbyes and call again to speak to another representative to see if they say the same thing. However the other representative tells me I CAN close my account via phone and I statement for my balance will be sent to my mail so that I can pay it. I ask them 3 times are you sure I can close it though the phone and they say yes of course. I let em know I will think about what to do and end the call. 

I call XXXX hour later with the purpose of closing my account and the agent who answered my call tells me I can not close it via the phone and that I have to go to the nearest office branch ( XXXX ) to fix it. I explain what the other agent told me and he says sorry but that is miscommunication on our part and that no matter what I do I need to see them personally to be able to remedy or close the account. 


Its insane how they let a person open a credit card line and let em use the card a few times to later suspend it for verification issues.

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 2024-08-16 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

SYNCB/ROOMS TO GO never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
15 U.S. code {$1600.00} c-2 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 not later than XXXX business days after the date of receipt its been 30 days and you are in violation of this law because I am a victim of identity theft!!! Please delete these items immediately!!!!!! 
These accounts should not be furnished on my consumer report as they are in violation under 15 U.S code 1681b- permissible purposes of consumer reports ( a ) in general to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer no consent is identity theft as a consumer I am demanding the deletion of the accounts listed immediately!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : [ Report Number ] ) 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. 
The following information on my credit report is the result of identity theft and should be blocked : Collections and Charge-off Accounts : ACCOUNT NUMBER AND FRAUDULENT INQUIRIES : DATE OPENED XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$620.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$590.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX o Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX  XXXX o Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$460.00} o Status : Derogatory ( Charge-off ) Fraudulent Inquiries : XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Auto Dealers, XXXX - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX XXXX Bank Credit Cards - XX/XX/XXXX XXXX. XXXX Personal Loan Companies - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that my report no longer contains any fraudulent information. I have called the bureau several times reporting these fraudulent accounts on my report, and XXXX has not wanted to give me a solution to this problem, which has severely affected my ability to acquire a new house for my children. These collections were removed and not verified by other bureaus. I do not understand how you can say that these accounts are mine, so I demand that you send me all the documentation proving that this information is accurate. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : [ Report Number ] ) 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.

The following information on my credit report is the result of identity theft and should be blocked : Collections and Charge-off Accounts : ACCOUNT NUMBER AND FRAUDULENT INQUIRIES : DATE OPENED XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$620.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$590.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX o Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX  XXXX o Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$460.00} o Status : Derogatory ( Charge-off ) Fraudulent Inquiries : XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Auto Dealers, XXXX - XX/XX/XXXX XXXX. XXXX Commercial  Banks - XX/XX/XXXX XXXX. XXXX XXXX Bank Credit Cards - XX/XX/XXXX XXXX. XXXX Personal Loan Companies - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that my report no longer contains any fraudulent information. I have called the bureau several times reporting these fraudulent accounts on my report, and XXXX has not wanted to give me a solution to this problem, which has severely affected my ability to acquire a new house for my children. These collections were removed and not verified by other bureaus. I do not understand how you can say that these accounts are mine, so I demand that you send me all the documentation proving that this information is accurate. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. They failed to comply with the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. XXXX XXXX and XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit score and report were visible on XXXX XXXX for months, but one day it showed XXXX and stated I had no credit file. I contacted XXXX, and they informed me they couldnt verify my identity using the information I provided. They requested verifying documents, such as my drivers license and a bill with my name and address, etc. After submitting these documents, I was told I had no credit file. I explained that I did have a credit file and had a score of XXXX on XX/XX/year>, when I checked again on XX/XX/year>, it disappeared saying it went down XXXX points. At this point, I called XXXX. XXXX advised me to contact my creditors to check if they were still reporting. I did call the ones I know and was told there were no issues. When I called XXXX again, they instructed me to obtain a control number. However, I can not access my report, so I cant contact all creditors or correct any of this information. Now, XXXX wont provide me with a copy of my credit report because they cant verify me over the phone, and when I try to create an account online to request the copy, it says I already have an account. I cant sign into that account because I didnt create it. Everyone I speak to refers me to the other party and vice versa. I believe my father used my identity to avoid paying child support and I am a victim of Identity theft. This was also relayed to all credit reporting agencies when I spoke with them.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: TX

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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