vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-08 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


Account 1 : 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 2024-08-08 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-08 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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

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 explanation
Consumer complaint received 2024-08-08 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:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.

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 2024-08-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Metro Collection Service Inc.
State: OR

Complaint narrative:
I have called the company several times, trying to get any information about how to deal with this debt or to make payments. I never got any information about being able to dispute. Now at this point, I have to deal with XXXX the XXXX from the company who hangs up when asked certain questions about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XXXX XXXX XXXX XXXX, American Express authorized a payment to XXXX XXXX XXXX for a substantial amount of {$2400.00} over my {$1000.00} credit limit. Budget Rental Car did not provide me or my authorize user with a bill of charges. Once I filed the dispute with American Express, thats when I was able to see a bill. XXXX provided generic documents to American Express that did not have signatures from any parties for the rental. American Express is requesting receipts from me or my authorize user in order to resolve the over-the-limit transaction. I have informed American Express that I do not possess any documents because XXXX did not provide any. I have informed American Express that the company declined an over-the-limit transaction for about {$300.00} in XXXX or XX/XX/year>. I have informed American Express that me and my authorize user never opted-in to approve over-the-limit transactions and that the company is in violation of 12 CFB 1026.56 ( b ). American Express arbitrarily authorized an over-the-limit transaction for {$2400.00} over my credit limit but did not authorize an over-the-limit transaction for {$300.00} over my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

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 2024-08-08 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: FL

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-08-08 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:
There are unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
On or about XX/XX/XXXX, I as a consumer aquire a lease from XXXX XXXX if XXXX, for personal, family and household purposes, I and XXXX XXXX XXXX, agreed by contract to certain terms and conditions ( as I reserve my rights ) for a 30 month lease with a security deposit of XXXX dollars, which was express to me that I would get those security and funds back, if I dod not want to purchase said contract at the end of the lease, after 30 months of having the automobile, I enquired about taking full ownership, upon requesting, XXXX XXXX of XXXX through there agents/workers, try to make me pay over XXXX dollars, to have full ownership to the automobile, ( which was never mention or told to me or put in a contract ) after the disappointment, I asked for my security deposit of XXXX dollars, ( which was not given to me ) so after the 30 months, I and XXXX XXXX XXXX by way of telephone communication, extending the lease, to give me more time and to go elsewhere to find a financial institution to assign said contract and take full ownership, for a additional 3 months, after the 3 months a inquired about my security deposit of XXXX dollars and they brushed it off, but a month later my account was credited XXXX and then a month later, XXXX XXXX XXXX, stated that the credit was in error and reversed it, but agree to extend my lease for another 3 months, and sent a contract, that I had to sign, and upon looking at tge contract , I put my terms and faxed it to XXXX XXXX XXXX , I continue making payments for the monthly bills that XXXX XXXX XXXX sent each month, as a assumed the lease was extended until a financial institution could be found, ( XXXX XXXX XXXX , put a late payment on my credit report and after disputing that error, they reverse my late charge but did not reserve the reporting of that alleged late payment, which put a bad mark on my credit report, ) in good faith, I made and continue to make the monthly payments that was due by way of XXXX XXXX XXXX , sending me a bill each month, but to my surprise and shock, on or about XX/XX/XXXX XXXX XXXX XXXX sent a tow truck at my daughters home that I was visiting at XXXXXXXX XXXX to seize my automobile and my possessions that were inside, with a warrant, court order, or any documents, stating that XXXX XXXX XXXX XXXX XXXX my automobile, or possessions that were inside without my consent and XXXX XXXX XXXX XXXX never gave me, due process, or notice of any such actions, I would have handle it properly if given notice, and when calling XXXX XXXX XXXX , I was told to get a lawyer and I can't talk to there legal department if I was nit a lawyer, ( given me legal advice, and I don't belive they have a license to practice law ) the woman was " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
violation of 15 U.S. code 1681 Third Party Agency LVNV Funding LLC failed to comply with requirements to i the consumer in order to report to any credit bureau. LVNV failed to follow dispute guidelines, CRA violated the FCRA by not following the guidelines for handling disputes. Verification letters were sent off on XXXX/2024,XXXX/2024 and XX/XX/scrub>XXXX/2024 requesting proof to be given within a 15 day time frame which has passed. No proof was sent back regarding verifiable proof, an original consumer contract with my signature on it for the account listed. 
Debt claimed owed : {$990.00} Original Creditor : XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
This company is reporting fraudulent accounts on my credit report.

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

Complaint narrative:
I am reporting XXXX XXXX XXXX XXXX, XXXX, for improper use of reporting to consumer reporting agencies. Additionally, the information is incorrect. I have been locked out but is still being charged as if the credit account has a balance and then they are still reporting to the credit agencies. I have submitted to their special department via certified mail " tax '' documents and instruments to settle the account to zero per their service agreement. The same information ( XXXX, XXXX, etc. AND restricted endorsement to pay to the UNITED STATES TREASURY $ XXXX ) has been sent to the Internal Revenue Service and Department of Treasury for compliance with the internal revenue service for my estate/account. This company has failed to update the account to zero for the correct debit/credit balance. The laws below also show how the company is violating my rights and harming me from future opportunities. The balance must be reported on the account as zero as the Internal Revenue Service has been notified and also it must be updated to zero balance on credit with no lates. I am requiring this to be updated with XXXX. XXXX XXXX XXXX XXXX, XXXX. Equifax, XXXX. XXXX, XXXX. XXXX, and XXXX. XXXX XXXX. Additionally, I shall still maintain my rights for doing things in " Good faith and compliance with the United States Treasury and the account shall not be closed. 


15 U.S. Code 1681b - Permissible purposes of consumer reports Subject 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.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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.

No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation CORRECT AND UPDATE OR REMOVE FOR ACCOUNT SETTLED AND ZERO BALANCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
A few months ago in XXXX I paid a balanced me and my boyfriend owed in full. I received an email of that receipt stating I no longer owe a balance. A few weeks ago I began receiving calls from a collection agency trying to collect that debt. I tried to dispute the debt since I do not owe it and the collection agency and the credit bureaus are stating that I do have to pay that money I submitted the receipt where it says I paid in full. I do not understand why theyre trying to make me pay for something I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I recently had all of my student loans discharged. I informed XXXX, XXXX and Transunion of this and sent them documentation that proves this and they have not updated the information to reflect the loans as having a XXXX balance.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I recently had all of my student loans discharged. I informed XXXX, Equifax and XXXX of this and sent them documentation that proves this and they have not updated the information to reflect the loans as having a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 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 an 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. Account needs to be removed from report.

Company response to consumer: Closed with explanation