vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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. 

These below accounts have violated mt rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After reviewing my credit profile I notice unauthorized inquires on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cXXXX XXXX XXXXXXXX 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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone applied for credit at Bank of America. This was not me I do not bank with BoA. 

I have called many times trying to get this fixed and each person says its not their department and transfer me and it never ends. Last person said to reach out to the credit bureau to get this fixed. 

Please help and stop that application and remove the ding to 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 non-monetary relief
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I have not given consent to have my credit inquired and the following companies have violated a federal law called the Fair Credit Reporting Act ( FCRA ). I would like to challenge the validity of the following inquiries : XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XX/XX/2021.

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I have not given consent to have my credit inquired and the following companies have violated a federal law called the Fair Credit Reporting Act ( FCRA ). I would like to challenge the validity of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
My employees and team moved out of the apartment 3 days before the end of XX/XX/XXXX due to continued infestations of roaches and other pests and lack of maintenance on the apartment. This was an issue since move in. Apartment company allowed us to leave and sent a confirmation email stating the account was closed due to circumstances and they would contact us if anything further was required. Closed account email was sent 33 days after move out even after multiple contact attempts including email for follow up. Never received any follow up. Four months later they put a negative score on my credit for not paying the month of XX/XX/XXXX and in XX/XX/XXXX was contacted by Columbia Debt Recovery DBA Genesis Credit for debt recovery. I never received emails or letters of the proceedings while having proof the account was closed. I never gave permission for my information to be sold or transferred from the leasing company to Columbia and was never made aware of any proceedings through registered mail, email, etcetera. This is 100 % fraud. Columbia has agreed to remove completely with copies of police report and FTC/CFPB complaint which I have provided. I need this removed from my credit completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
XXXX XXXX XXXXXX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 XXXX I have never authorized XXXX to run my credit i boughta car came with fin in hand use own bank contacted dealer as well as XXXX  please remove there is no open accounts on my credit with XXXX as of XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
XXXX  - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 Experian I have never authorized XXXX  to run my credit i boughta car came with fin in hand use own bank contacted dealer as well as XXXX please remove there is no open accounts on my credit with XXXX  as of XX/XX/2022

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is not removing Fraudulent hard inquiries on my credit report please help ftc report attached i am a victim of ideneity theft, the infrmation on my Equifax credit report -regarding the hard inquiries are fraudulent- there are fraudulent hard inquires on my equifax credit report that does not relate to any trasnactions that i have made. this is a result of identity theft. these fraud hard inquiries are not mine and must be removed remove and delete these fraudlent hard equifax inquiries XXXX Equifax HArd Fraudulent Inquiry XXXX XX/XX/XXXX XXXX Equifax HArd Fraudulent Inquiry XXXX XX/XX/XXXX XXXX Equifax Hard Fradulent Inquiry XXXX Equifax Mortgage XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
They have my credit rating that I'm using over XXXX per of my. Utilitization which is not true. I have XXXX credit cads and all together my total owed for all accounts is less than {$3.00} so they reporting that I am using very high. Utilization is wrong and is stop me from getting credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
They have my credit rating that I'm using over 80 per of my. Utilitization which is not true. I have 4 credit cads and all together my total owed for all accounts is less than {$3.00} so they reporting that I am using very high. Utilization is wrong and is stop me from getting 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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Penn Credit Corporation
State: AL

Complaint narrative:
I sent collection agency a letter asking for Verification/validation of account they did not sent proper verification I have enclosed what they sent back. They didnt provide everything I requested account have not been properly verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/22, I alerted the consumer reporting agencies that I am a victim of identity theft. 15 USC says that you must remove and block any information from the file of a consumer that the consumer says is a result of alleged identity theft within 4 business days. It has been well beyond 4 days and the accounts remain. Also XXXX XXXX and XXXX have charged the fraud accounts off and sold them to collection companies. It is illegal for a company to report a charge off. The IRS considers this income. This is tax fraud. This is also a violation of 15 USC 1681 e b by not reporting accurate information. USC 1681 section 694 a section 2 says that you can not furnish an account without my written consent. I have not given anyone written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX {$52000.00}. They required a down payment which is illegal according to the dealer breached parts of the lender guidelines 15 USC 1635 and 15 USC 1662. At this time, I am requesting a refund of the down payment and closure of the loan with payoff at a lost to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone applied for credit at XXXX XXXX XXXXXXXX. This was not me I do not bank with XXXX 

I have called many times trying to get this fixed and each person says its not their department and transfer me and it never ends. Last person said to reach out to the credit bureau to get this fixed. 

Please help and stop that application and remove the ding to 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 non-monetary relief
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
There are some inconsistencies with inquiries being reported on my credit bureau without proper consent or acknowledgement. Please remove these items immediately.

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After reviewing my credit profile I notice unauthorized inquires on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After reviewing my credit profile I notice unauthorized inquires on my credit report. 
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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. I have contacted Toyota Motor Credit regarding a late payment on my credit account and they have yet to remove the 30-day delinquency from XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Send debt validation letter and company has yet to respond stating this ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA [ XXXX ] XX/XX/2022 CAPITAL ONE BANK XXXX XXXX  XXXX XXXX, XXXX, VA XXXX To who it may concern, Be advised that this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 Sec. 809 ( b ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act Violation of the Fair Credit Reporting Act Defamation of Character XXXX : XXXX XXXX Agent/Beneficiary ] Done in good faith Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
Most of the hard inquiry and soft inquiry request on my credit report was never done by me by these companies that I never applied for no kind of credit or anything like that I called them and explained to them and they told me that they can not do nothing about 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 2022-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear Sirs, I, XXXX XXXX XXXX, customer of XXXX " XXXX XXXX  '', XXXX, XXXX, which has a corresponding account in Bank of America , N.A . XXXX I made a wire transfer transaction from XXXX Bank, XXXX. ( Please, look through attached file ) to my account at XXXX XXXXk. 

wire transfer XXXX from XXXX XXXX USD XXXX XXXX XXXX XXXX XXXX ( see XXXX XXXX way ) Unfortunately, the transfer has not still arrived at its final destination, it is at Bank of America corresponding account now- as far as XXXX Bank informed me . It also provided me with the details of its current location- and that Bank of America received additional information about the wire transfer on XXXX. I have to tell you, that it is not a pleasant surprise for me to wait for such a long time for my money, i hope you understand my feelings. Please, be so kind, provide me with the information about the possibility for me to receive the transfer as soon as possible because it is really important for me as I borrowed it from the bank for not a very low % ( XXXX!! ) need to pay from this money for my moms needs as soon as possible. Please, Do not hesitate to contact me if it necessary.

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting a 90-day late payment on XX/XX/2022 with the Office of the Atty Gen which is inconsistent with the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. I have contacted XXXX XXXX XXXX regarding a late payment on my credit account and they have yet to remove the 30-day delinquency from XXXX 2022.

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. I have contacted XXXX XXXX XXXX regarding a late payment on my credit account and they have yet to remove the 30-day delinquency from XXXX 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. I have contacted XXXX XXXX XXXX regarding a late payment on my credit account and they have yet to remove the 30-day delinquency from XXXX 2022.

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