vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX I am a victim of Identity theft, my FTC Report Number : XXXX XXXX XXXX has reported XXXX Hard inquiries XXXX XXXX has reported XXXX Hard inquiries XXXX experian has reported XXXX Hard inquiries

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 2024-11-24 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX I am a victim of Identity theft, my FTC Report Number : XXXX XXXX XXXX has reported XXXX Hard inquiries XXXX Transunion has reported XXXX Hard inquiries XXXX XXXX has reported XXXX Hard inquiries

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 2024-11-24 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX I am a victim of Identity theft, my FTC Report Number : XXXX XXXX Equifax has reported XXXX Hard inquiries XXXX XXXX has reported XXXX Hard inquiries XXXX XXXX has reported XXXX Hard inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: GA

Complaint narrative:
I have repeatedly requested Equifax to remove inaccurate and unauthorized personal information from my credit report, but they have failed to comply. The following issues remain unresolved : An address that does not belong to me ( XXXX XXXX XXXX, XXXX, GA XXXX ) continues to appear on my credit report despite multiple disputes. This address is inaccurate, and I can not receive mail there. 

Equifax is displaying parts of my Social Security number and date of birth on my credit report. This compromises my privacy and increases my risk of identity theft, especially as I have already been a victim of fraud and data breaches. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to investigate disputes and correct inaccuracies within 30 days. Despite my repeated attempts, these errors have not been corrected. 

This failure to address my concerns and protect my sensitive information violates the FCRA and demonstrates negligence in handling consumer disputes. I am requesting the CFPB to intervene and ensure that : The address XXXX XXXX XXXX, XXXX, GA XXXX is permanently removed from my credit report. 
Any references to my Social Security number or date of birth are removed from my credit report. 
I have attached supporting documents, including proof of my current address and prior dispute letters to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
15 USC 1962 ( c ) Communication in connection with collecting a debit ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am the victim of fraud. My PayPal account was hacked and the fraudsters took my personal information and attempted to open various accounts in my name. I've contacted the XXXX CRAs and frozen my credit. I've contacted PayPal to report the matter. I've received a business credit card and credit card reader from XXXX. I did not apply for the card or the credit card reader from XXXX. The hack at PayPal has resulted in multiple accounts opened in my name. In addition, I've received a phishing email from XXXX. I don't know what to do and am concerned about the long lasting impact of such a hack. I am requesting PayPal to investigate this matter to identify the origin of the hack and notify me of the results. I am requesting that PayPal provide me with a fraud monitoring service free of charge and make me whole for the harm that has occurred. I am requesting that PayPal identify the impacted population of consumers affected by the hack. I request that PayPal strengthen their safeguards to prevent the recurrence of such matters.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been disputing this information for a long time. I reached out to XXXX and they said they have no knowledge. I reached out to the court that is on the credit file and they said they have no knowledge of any cases with my name or maiden name. They also stated they do not report any information to anyone.

To whom it may concern : I am writing you with this formal objection of information published and provided by you to Transunion, XXXX and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized METRO2. 
Reporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with METRO reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record.

Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO reporting standards. 
Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible accuracy and a maximum " possible '' completeness, which extends Ito the reporting mandates that there be no deviation from METRO Format compliance since, per the XXXX, XXXX XXXX " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal laws.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been disputing this information for a long time. I reached out to XXXX and they said they have no knowledge. I reached out to the court that is on the credit file and they said they have no knowledge of any cases with my name or maiden name. They also stated they do not report any information to anyone. 


To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, XXXX and Equifax, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting!

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized METRO2. 
Reporting Requisites per the XXXX   as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with METRO reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. 
Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO reporting standards. 
Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible accuracy and a maximum " possible '' completeness, which extends Ito the reporting mandates that there be no deviation from METRO Format compliance since, per the XXXX, XXXX XXXX " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On or about XXXX I was using my card to make purchases related to a recent move. Synchrony Bank, flagged a purchase as Fraud, and sent me a text message. When I called them to resolve the issue, I was successfully verified and the supposedly removed the restriction, then the following day not even 24hrs later I attempted to make a purchase and was extremely embarrassed that my card again was being declined, so I called and attempted to resolved the issue. I was told by someone who was obviously not a XXXX XXXX, that they would send a link to my phone number and that I would need to take a picture and upload it to the link along with a copy of my drivers license. This seemed very supicious and I asked to speak with a XXXX representative. The XXXX Representative was telling me the same thing, so I asked for a supervisor because when I called in, the system recognized my phone number and matched it to my account. After talking to the supervisor, she offered to send me a passcode by mail that I could use to call in and verify myself. When I attempted to call back in to verify my account with the pascode I was mailed, Synchrony Bank refuses to accept the passcode they mailed me to verify myself and are demanding that I either upload a picture to them along with a copy of my drivers license or that I can mail them a copy of drivers license and a copy of my electric bill. As these are all items that can be used for identity theft I am refusing to do this. I believe that the fact that they will not accept the passcode that the mailed me via the US Mail should be adequate to prove I am who I say I am- and if they will not accept it, then that is Mail Fraud. I have tried to escalate the issue within Synchrony Bank, but the Account Manager I spoke with ( sorry I didn't get a name ) would not escalate to anyone. I refuse to follow their prescribed method for verifying my identity ( clicking on an unknown link and taking a video/photo of myself and uploading a copy of my drivers license ) or mailing them the same. XXXX more so if I've already been verified more then five times. they have done this to me countless times in the past as well and I'm sick of it.

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 2024-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/year>, MoneyLion notified me that they are discontinuing cryptocurrency accounts and will force liquidation of all holdings by XX/XX/year>. I requested alternatives, such as the ability to transfer assets to an external wallet, as permitted by the custodial terms in the XXXX XXXX  XXXX  XXXX. Despite multiple attempts, MoneyLion has not responded, leaving me with no choice but to face forced liquidation, which creates a taxable event and financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-24 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: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-24 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: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2024-11-24 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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:
Sent certified letters, company failed to validate information with disputes. Also received a letter that I was impacted by the equifax data breach in the settlement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: NY

Complaint narrative:
XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX Social Security : XXXX Date of Birt XXXX XX/XX/year> Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX This information provided to the Transunion credit agency is not mine nor does it belong to me. I request that it be removed as soon as possible. Today I downloaded my credit report and found that report. Please remove it. Thank you.

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 2024-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> To : XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Toyota Motor Credit Corporation XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Revocation of Power of Attorney and Dispute of Contract Terms Dear Toyota or To Whom It May Concern I am writing to formally revoke and dispute the inclusion of any Power of Attorney ( POA ) within my retail installment sales contract dated XX/XX/year>, for the purchase of the XXXX XXXXXXXX XXXX ( XXXX : XXXX ). Upon reviewing the contract, I discovered the existence of a POA clause or implied authorization, which I did not knowingly agree to or consent to at the time of signing. 
Revocation of Power of Attorney Please consider this letter as my official revocation of any POA you may believe has been granted. I assert that : I did not receive adequate disclosure of the POAs existence or scope. 
I did not provide informed consent for granting such authority.

The inclusion of the POA constitutes a misrepresentation of the contract terms. 
Effective immediately, I revoke any authority granted to XXXX XXXX XXXX, Toyota Motor Credit Corporation, or any related entity to act on my behalf. Any attempts to utilize this POA after receipt of this letter will be considered fraudulent and actionable under applicable laws. 
Request for Contract Correction I am disputing the validity of this clause and requesting the following : Immediate removal of any POA provision from my contract.

Confirmation in writing that no POA exists or will be used moving forward. 
A full review of the contract for any additional undisclosed or unauthorized clauses. 
Next Steps Please confirm receipt of this letter within 14 days and provide a written response detailing the actions taken to resolve this matter. Failure to address this issue may leave me no choice but to escalate the matter further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the California Attorney Generals office, and pursuing legal action. 
I trust you will address this matter promptly and ensure my rights as a consumer are protected. Please direct all correspondence to my address listed above or via email at XXXX. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX XXXX. : XXXX lawsuit information on the matter in litigation as XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief