vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have noticed auto loans that I didnt even know about and also unauthorized stuffs that I never knew about. XXXX XXXX XXXX so im XXXX XXXX. I never give permission to those people to run my credit

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened a Sephora Credit Card to restore my credit history, I only used the card once, the was closed after I stopped using it and it still shows up on my credit report and I WANT IT REMOVED ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: SC

Complaint narrative:
The CRAs are willfully noncompliant with FCRA regulations. Ive informed them that this information is inaccurate to which they continuously update it as valid. Late payments are being furnished onto my consumer report, and pursuant to FCRA 15 usc 1681a ( 2 ) ( A ) ( i ) the consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Im demanding for ALL late payments to be removed immediately and the accounts to be updated as PAID AS AGREED, NEVER LATE. Further more the Charge offs furnished onto my consumer according to the IRS publications are a certificate of indebtedness that must be removed immediately as this is income and income can not be reported onto the consumer. 26 CFR 1.61-1a THIS IS IN FACT VIOLATION OF MY PRIVACY ACCORDING TO THE PRIVACY ACT OF 1974

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 2024-02-04 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: SC

Complaint narrative:
The CRAs are willfully noncompliant with FCRA regulations. Ive informed them that this information is inaccurate to which they continuously update it as valid. Late payments are being furnished onto my consumer report, and pursuant to FCRA 15 usc 1681a ( 2 ) ( A ) ( i ) the consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Im demanding for ALL late payments to be removed immediately and the accounts to be updated as PAID AS AGREED, NEVER LATE. Further more the Charge offs furnished onto my consumer according to the IRS publications are a certificate of indebtedness that must be removed immediately as this is income and income can not be reported onto the consumer. 26 CFR 1.61-1a THIS IS IN FACT VIOLATION OF MY PRIVACY ACCORDING TO THE PRIVACY ACT OF 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, I'm XXXX XXXX, and I'm submitting this complaint for the third time regarding my identity theft. Unfortunately, no action has been taken, and credit bureaus and companies involved haven't responded to my disputes. I feel my consumer rights are being violated, and as the victim, I can't get the help I need. If no action is taken, I'll pursue legal measures.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Good Whatever, My name is XXXX XXXX and I am filing this complaint because this is the third time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action

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 2024-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I am writing in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) to dispute an item of inaccurate information contained in my credit report, which your company has verified. The inaccurate data in question pertains to the open date associated with the account XXXX listed on my credit report. 
I have recently obtained a copy of my credit report from XXXX, and upon careful review, it has come to my attention that the open date for the aforementioned account is still inaccurate. I never opened an account with neither XXXX XXXX nor Helvey & Associates in XXXX XXXX XXXXhis discrepancy has a negative impact on my creditworthiness and financial reputation. I have been denied credit and housing due to this error. 
I believe this error can be traced back XXXX, not the original creditor or a previous debt collector who sold the credit file. However, as the current data verifier, your organization is responsible for ensuring the accuracy of information it furnishes to credit reporting agencies, as outlined in Section 607 ( b ) of the FCRA. 
Having identified this discrepancy, seeing as though Ive already kindly requested that you investigate and correct this information promptly, I now request this record be removed from my credit file as it is a violation of my rights and can be punishable with a {$1000.00} fine. The FCRA stipulates that consumer reporting agencies must conduct a reasonable investigation within 30 days of receiving a notice of dispute. I can no longer trust that you will undertake this investigation promptly, considering my rights as a consumer and your lawful obligations have already been violated. 
Please note that the inaccurate reporting of this account 's open date has a direct impact on my creditworthiness, financial standing, and overall consumer experience. Additionally, I request that you inform all credit reporting agencies to whom you have previously provided this erroneous information, as per Section 611 ( a ) ( 1 ) ( A ) of the FCRA. 
I am sure that you understand the importance of maintaining accurate credit information, not only to protect my rights as a consumer but also to ensure the fair and efficient functioning of our credit reporting system. 
Thank you for your immediate attention to this matter. I hope that we can resolve this dispute amicably and ensure the accuracy of my credit report. Your cooperation and timely response are greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Asked for verification of this debt, and never received it. This is a FCRA violation to not properly verify and report CORRECT information. The information being reported is false and a violation of my rights. Please delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Tesla, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I transferred my tesla lease to another assignee. I closely followed XXXX XXXX instructions along the way. I had a XXXX car registered in XXXX. I asked Tesla whether I need to return the XXXX XXXX and tesla 's answer was no ( see attached email exchange with Tesla Finance customer service ). Fast forward to one later, I was trying to get another lease weekend and when I was updating my insurance, I realized that my NY driving license is suspended. I researched further the issue and my license suspension is related to Tesla lease transfer. As a matter of fact, my license has been suspended because of the insurance lapse resulting from the fact that Tesla instructed me to not return the license plates to XXXXXXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I have noticed auto loans that I didnt even know about and also unauthorized stuffs that I never knew about. XXXX XXXX XXXX  so im always working. I never give permission to those people to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent in the proper paperwork i haven't got a response from XXXX XXXX  the are suppose to update the account with the correct information that i sent to them under Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent in the proper paperwork i haven't got a response from XXXX XXXX  the are suppose to update the account with the correct information that i sent to them under Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent in the proper paperwork i haven't got a response from XXXX XXXX the are suppose to update the account with the correct information that i sent to them under Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
i sent all documents to prove that i am the new owner and contracts to chase to update the account with the new account holder as paid in full they have not responded or updated the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The CRAs are willfully noncompliant with FCRA regulations. Ive informed them that this information is inaccurate to which they continuously update it as valid. Late payments are being furnished onto my consumer report, and pursuant to FCRA 15 usc 1681a ( 2 ) ( A ) ( i ) the consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Im demanding for ALL late payments to be removed immediately and the accounts to be updated as PAID AS AGREED, NEVER LATE. Further more the Charge offs furnished onto my consumer according to the IRS publications are a certificate of indebtedness that must be removed immediately as this is income and income can not be reported onto the consumer. 26 CFR 1.61-1a THIS IS IN FACT VIOLATION OF MY PRIVACY ACCORDING TO THE PRIVACY ACT OF 1974

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 2024-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VT

Complaint narrative:
I leased a new XXXX XXXX XXXX at the end of XXXX. I have tried several times to contact Toyota about a particular issue I am having with the multimedia panel in the dashboard. It is very difficult as a paying customer to find contact information on the Toyota website, and their customer service people have not been helpful. This panel is tied to a a phone application that Toyota just about insists that customers download so that the panel, and other helpful maintenance information, can be accessed by connecting the app to it. However, the app is probably close to one of the lowest scored in the XXXX XXXX XXXX ( XXXX out of XXXX rating ) because of many issues customers are experiencing with it. Customers who have downloaded this app have filled the XXXX XXXX site with comments about how bad it is to use. I refuse to download such a poorly developed app on my phone because of these issues, and because of the probability of it being a security risk. 

Without the app, I can not create a " profile '' for myself in the car 's multimedia panel. It means that every single time I start the vehicle, there are FOUR screens I need to cancel out of before I can actually interact with it or turn it off completely. 

The panel also sits very high on the dashboard and is too bright to keep the display on, especially at night, so I need to punch through another three screens to turn the display off. I basically can not use a very important function of this car. The entire setup is distracting and awful. It is very difficult to contact Toyota and get any issues resolved.

I called the dealership to complain about this panel and was assured by a service person that I could create a profile that will bypass these four screens, without the app. Well, they were wrong also. THERE IS NO WAY to fully interact with this multimedia panel with the XXXX phone app Toyota wants me to download. I should not have to compromise the security of my phone in order to use this functionality within the vehicle. 

Toyota also pushes third party companies on customers to receive important information about the car they purchased. I am not going to subscribe to XXXX, or any other party or application to get important maintenance information about my car. 

I used to consider Toyota a top-notch company but this experience has made me regret the thousands of dollars in down payment, and the thousands more I will have to pay for the lease, and this is just four months after purchasing the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
SOMEONE OPENED A NTB CitiBank Card in name making payments which impacted my credit, etc. I was terminated from multiple jobs, lost my car and evicted. I have not been able to hold employment due to this situation, stress level, etc. I filed an identity theft report and I only found out about this in XXXXXXXX XXXX XXXX I WANT THIS ACCOUNT REMOVED FROM ALL OF MY CREDIT REPORTS INCLUDING THE NEGATIVE INFORMATION ASAP OR {$34000.00} WILL BE PAID IN ADDITION TO THE REMOVAL FROM ALL INFORMATION FROM CREDIT REPORTS ABOUT THIS ACCOUNT! Additionally, I have been sleeping in shelters, motels with vouchers, the streets, or abandoned places and public bathrooms. Every program has informed that I need help beyond their qualifications and housing is waitlisted. I CAN NOT GET HOUSING ASSISTANCE, A JOB NOR A CAR WITH THIS ON MY CREDIT REPORTS AND I HAVE BEEN ABANDONED BY MULTIPLE PEOPLE IN MY LIFE LEAVING ME TO DO EVERYTHING ALONE!!! 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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
i sent all documents to prove that i am the new owner and contracts to XXXX to update the account with the new account holder as paid in full they have not responded or updated the 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 explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
i sent all documents to prove that i am the new owner and contracts to XXXX to update the account with the new account holder as paid in full they have not responded or updated the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Fifth Third Bank Account XXXX with a reporting " voluntary surrender '' in the amount of {$38000.00} is reporting on my credit report. It is an inaccurate account and MUST be removed immediately. It violates 15USC 1681 a, i, j. Attached is a copy of the FTC report to prove the account as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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 noticed XXXX hard credit inquiries in my Transunion credit report withing last XXXX years which I am not aware off or I authorize. 

I have made several request to Transunion to remove these inquiries but I never received any feedback from Transunion. 

I might be a victim of identity theft.

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 2024-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am disputing this account because I do not recognize it and I previously filed a report with the FTC for identity theft, I received a letter saying that I had until XX/XX/2024 to contact you regarding this account that otherwise you would assume that this account belongs to me. here I communicate with you using my rights as a consumer. 

XXXX XXXX XXXX XXXX This account is being disputed

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 2024-02-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
According to US 1691 c ( 1 ) without my written consent that is considered identity theft. 
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 2024-02-04 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: TX

Complaint narrative:
XXXX XXXX Bank Account XXXX with a reporting " voluntary surrender '' in the amount of {$38000.00} is reporting on my credit report. It is an inaccurate account and MUST be removed immediately. It violates 15USC 1681 a, i, j. Attached is a copy of the FTC report to prove the account as fraudulent.

Company response to consumer: Closed with non-monetary relief