vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account XXXX and list of Inquiries 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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM A VICTIM OF XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : account number : XXXX XXXX XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. Please block this information from my credit report within four business days, under section 605C of the Fair Credit Reporting Act Please send me a notification of the actions taken. I appreciate your prompt attention to this matter. Please send me a notification of the actions taken. I greatly appreciate your prompt expedited action on

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX and list of Inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX and list of Inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX and list of Inquiries 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 non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX and list of Inquiries 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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXXXXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX and list of Inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been challenging these bogus and erroneous accounts. I also attached an FTC in my previous claim, which I am attaching again in this dispute, I am also attaching my notarized identity theft affidavit. This is my final dispute with this account ; following this, I will proceed to civil court in my state of New Jersey to file a claim against your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Request to Update and Correct Personal Information Dear XXXX I am writing to request an update to my personal information in your records. Additionally, I am requesting that all outdated or incorrect personal information be removed and that only the updated information I am providing below and in the attached documents remain on file. 

Correct Information to Update Your Records : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX Fl, XXXX Email Address : XXXX Phone Number : XXXX ( XXXX ) XXXX Outdated/Incorrect Information to Remove ( if known ) : Previous names, addresses, or other information no longer accurate : List outdated information if known, or Unknown information. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 To support this request, I have attached the following documents for verification : A copy of my government-issued ID ( e.g., drivers license or passport ) Proof of address ( e.g., a recent utility bill, lease agreement, or bank statement ) Legal documentation for a name change ( if applicable ) Please ensure that any information not matching the documentation provided is promptly deleted from your records. I would appreciate receiving written confirmation once these updates and deletions have been completed. If additional information is needed, please do not hesitate to contact me at [ Your Email Address ] or [ Your Phone Number ]. 

Thank you for your immediate attention to this matter.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Request to Update and Correct Personal Information Dear XXXX I am writing to request an update to my personal information in your records. Additionally, I am requesting that all outdated or incorrect personal information be removed and that only the updated information I am providing below and in the attached documents remain on file. 

Correct Information to Update Your Records : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX Fl, XXXX Email Address : XXXX Phone Number : XXXX ( XXXX ) XXXX Outdated/Incorrect Information to Remove ( if known ) : Previous names, addresses, or other information no longer accurate : List outdated information if known, or Unknown information. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 To support this request, I have attached the following documents for verification : A copy of my government-issued ID ( e.g., drivers license or passport ) Proof of address ( e.g., a recent utility bill, lease agreement, or bank statement ) Legal documentation for a name change ( if applicable ) Please ensure that any information not matching the documentation provided is promptly deleted from your records. I would appreciate receiving written confirmation once these updates and deletions have been completed. If additional information is needed, please do not hesitate to contact me at [ Your Email Address ] or [ Your Phone Number ]. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX Bank charged off my car and are still trying to collect payments. The Law states that once it reaches the charge off stage, the company needs to provide the customer with a 1099-C. This will be labeled as fraud by that company. 


Capital One Bank charged off my account and still trying to collect payments which is fraud. The amount is {$230.00} and this needs to be removed from my consumer report asap. They need to provide a 1099-C also.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that I was in fact paid on time. Please find attached letter from XXXX XXXX XXXX of XXXX on my behalf informing XXXX and all concerned parties of the check being expressed mailed XX/XX/year> and then USPS mailed on XX/XX/year>, due to check originally be sent wrong XXXX address. The error was not mine. The consumer reporting agencies need to report all information with complete accuracy. This account is not currently late on payments and is paid off in full and closed. Ive attached a copy of my report to this complaint on the following dates ; XX/XX/year>. Im now requesting you investigate this account in update the payment to paid on time immediately. Thank you for your understanding and prompt action. 

I am now requesting proof of this current investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well and documentation that proves this account was late. If you can not provide me with this information in 15 days, update the account to PAID-IN-FULL/NOT CURRENTLY LATE/CLOSED, and send me a copy of my updated credit report. 

FAIR RESOLUTION Update the account to NOT LATE/PAID OFF or remove it from my Consumer Report. 

Here is the account I am asking to be verified for accuracy : Account Name : XXXX, Account Number : XXXX XXXX, Credit Bureau : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX, Credit Bureau : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX, Credit Bureau XXXX TransUnion 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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that I was in fact paid on time. Please find attached letter from XXXX XXXX XXXX of XXXX on my behalf informing XXXX and all concerned parties of the check being expressed mailed XX/XX/year> and then USPS mailed on XX/XX/year>, due to check originally be sent wrong XXXX address. The error was not mine. The consumer reporting agencies need to report all information with complete accuracy. This account is not currently late on payments and is paid off in full and closed. Ive attached a copy of my report to this complaint on the following dates ; XX/XX/year>. Im now requesting you investigate this account in update the payment to paid on time immediately. Thank you for your understanding and prompt action.

I am now requesting proof of this current investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well and documentation that proves this account was late. If you can not provide me with this information in 15 days, update the account to PAID-IN-FULL/NOT CURRENTLY LATE/CLOSED, and send me a copy of my updated credit report. 

FAIR RESOLUTION Update the account to NOT LATE/PAID OFF or remove it from my Consumer Report. 

Here is the account I am asking to be verified for accuracy : Account Name : XXXX, Account Number : XXXX XXXX, Credit Bureau : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX, Credit Bureau : Experian ; Account Name : XXXX XXXX XXXX, Account Number : XXXX, Credit Bureau 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 2024-11-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
My latest call to customer service was on XX/XX/XXXX. The service rep who barely spoke English took the card numbers, name address and then wanted the name of the person who called about the cards in XX/XX/year>. That would have been someone at XXXX XXXX trying to get our purchase through. I dont know their name so they opened a case number XXXX. I told the. I wanted a refund so I thought opening the case was appropriate. However what actually happened is that they said we would be sent a form to complete and would need to send a copy of my drivers license, proof of my address and a copy of the front and back of each card, froze the cards because they opened a case and said they wouldnt issue a refund. They would only issue a new card. Obviously a new card isnt going to do anything for me. 

I have 4 cards but there is only one field to enter a card number Please help..thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting a XXXX XXXX  Bankruptcy on my consumer report, it is against the law to have inaccurate information on your consumer report. I have disputed this at least 4 different times and attached documents, but they keep stating that XXXX XXXX is verifying the information. 

The Bankruptcy Courts don't provide Bankruptcy information, and my account is blocked with XXXX XXXX. They have no way to verify this information and continues to state that XXXX XXXX is verifying the info which is false.

Company response to consumer: Closed with explanation