vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: MA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-13 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Charge-Off Dispute Dear XXXX I am writing to formally dispute the charge-off listed on my credit report under account number XXXX XXXX Acct # XXXX. Upon reviewing my credit report, I have found inaccurate or incomplete information regarding this account, and I am requesting a thorough investigation into this matter under the Fair Credit Reporting Act ( FCRA ). 

The details of the dispute are as follows : Creditor Name : Ally Financial Account Number : XXXX Reason for Dispute : Section 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers ( creditors ) from reporting inaccurate information and requires them to correct or delete inaccurate information.

FCRA Section 604 ( 15 U.S.C. 1681b ) outlines permissible purposes for accessing credit reports, which do not include direct reporting of a consumers income.

Creditors are not allowed to report income and I have asked for the company to send XXXX so that I can file with IRS. This account is not accurate and is has many errors. 

As required by the FCRA, I request that you provide written confirmation of your findings and update my credit report to reflect accurate information. If you are unable to verify the accuracy of the charge-off, I request that it be removed from my credit file entirely. 

Please acknowledge receipt of this letter within 30 days and provide a resolution as soon as possible. If you need additional information or documents to resolve this dispute, you may contact me at XXXX XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Charge-Off Dispute Dear XXXX I am writing to formally dispute the charge-off listed on my credit report under account number XXXX XXXX Acct # XXXX. Upon reviewing my credit report, I have found inaccurate or incomplete information regarding this account, and I am requesting a thorough investigation into this matter under the Fair Credit Reporting Act ( FCRA ). 

The details of the dispute are as follows : Creditor Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : Section 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers ( creditors ) from reporting inaccurate information and requires them to correct or delete inaccurate information. 

FCRA Section 604 ( 15 U.S.C. 1681b ) outlines permissible purposes for accessing credit reports, which do not include direct reporting of a consumers income. 
Creditors are not allowed to report income and I have asked for the company to send XXXX so that I can file with IRS. This account is not accurate and is has many errors. 

As required by the FCRA, I request that you provide written confirmation of your findings and update my credit report to reflect accurate information. If you are unable to verify the accuracy of the charge-off, I request that it be removed from my credit file entirely. 

Please acknowledge receipt of this letter within 30 days and provide a resolution as soon as possible. If you need additional information or documents to resolve this dispute, you may contact me at XXXX XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 2024-12-13 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: NY

Complaint narrative:
To Whom It May Concern, Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I am writing to formally dispute inaccuracies related to the account listed below on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), I am requesting an immediate investigation and removal of these account if it can not be verified as 100 % accurate. 
The accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of all information on my credit report. If this information can not be verified or corrected to reflect complete accuracy across all three credit reporting agencies, I demand that it be removed from my credit report immediately. Additionally, I am requesting that you complete this investigation and provide a written response within 30-45 days of receiving this letter. Failure to address this matter appropriately will result in my pursuing legal action to collect {$1000.00} in damages for each inaccuracy, as provided for under the FCRA. I expect prompt action to resolve this matter. Please send a written response to the address listed above or contact me at the provided phone number or email address. Thank you for your 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 2024-12-13 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: NY

Complaint narrative:
To Whom It May Concern, Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I am writing to formally dispute inaccuracies related to the account listed below on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), I am requesting an immediate investigation and removal of these account if it can not be verified as 100 % accurate. 
The accounts : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. 
Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of all information on my credit report. If this information can not be verified or corrected to reflect complete accuracy across all three credit reporting agencies, I demand that it be removed from my credit report immediately. Additionally, I am requesting that you complete this investigation and provide a written response within 30-45 days of receiving this letter. Failure to address this matter appropriately will result in my pursuing legal action to collect {$1000.00} in damages for each inaccuracy, as provided for under the FCRA. I expect prompt action to resolve this matter. Please send a written response to the address listed above or contact me at the provided phone number or email address. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: MI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: MI

Complaint narrative:
Instructed XXXX to clear adverse items off report due to errors and Identity fraud. Adverse items are continued to be reported by XXXX to financial institutions after opt out notice given. No written permission to share any personal info on file to any corporation unless required by law. I have information on my file that is unrecognizable. No full transparent disclosure of adverse reports given upon request. Potential tax violations due to unawareness to discreet security details within the companies agreements with consumers. Federal violation to compel the use of the social security number outside of a short list of lawful actions. Potential securities fraud violations due to the misuse of the personal info specifically social security living trust account currently under the XXXX of the appointed authorized representative. The company refuses to cooperate and denials for business loans of XXXX and higher are being rejected. Was never given full disclosure on the option to opt out of sharing personal info. Police reports were made to report Identity Theft on all three agencies, XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
While XXXX from XXXX XXXX XX/XX/year>, my identity was stolen twice in Georgia XXXX I was not even in the United States. I have military orders and documentation to prove it. I am currently disputing the other collections charge via court in XXXX, OH. I have initial police report I filed while XXXX as well. I have never lived, visited, let alone opened a loan or utilities in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
My XXXX  wanted a car. I did not want to do a traditional loan so I went to XXXX 's XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX, FL XXXX - ( XXXX ) XXXX. They do Buy Here, Pay Here car sales. We chose a XXXX  XXXX XXXX ( XXXX ) because the price was good. I do not remember the original asking price for the car. I gave my XXXX  XXXX {$1000.00} to put down on the car and I believe his mother my ex-wife gave him {$1000.00} as well. XXXX would be the person making regular payments. As he started the paperwork, they told me the car would need to be in my name because XXXX was XXXX XXXX XXXX. I was fine with that because it was buy here pay here and I asked if it would be on my credit or I would get any credit inquiries and was told no. So we went forward. XXXX was playing {$340.00} per month for the car. After about 8 months, XXXX told me that the place went out of business and XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX - ( XXXX ) XXXX was the company he was making payment to. A few more months go by and the car breaks down. XXXX begins making payments on another car and can't make the payments on that car. XXXX XXXX begins calling me. I asked him how much he owed and they said nearly {$4000.00}. They said that XXXX XXXX XXXX  sold them the debt months ago. I was never notified. I was in credit recovery mode so I DEFINITELY did not want an auto loan. I explained what I could to them and and paid enough to bring the car to current. I asked them the original price of the car, the downpayment and how much was paid before they got the loan. they said they did not have that information. They did send me what XXXX and I paid to them during the time They received the debt. I explianed that I would not pay any more because I have no idea how much was paid before they got the debt. The amount owed is currently {$3400.00}. I want Mid Atlantic Finance removed from my credit report and I would like them to supply me with the information about how much was paid before they got the debt, the downpayment amount and how much was being financed prior to Mid Atlantic receiving the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I have been noticing that my credit report does not have my correct personal information and this is causing these unknown and inaccurate accounts to appear on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: CT

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 funish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, others than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not funish 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 innacurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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 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 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 obligated to block any information flagged by the consumer as stemming from identity theft within XXXX 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 vour reference. Mv 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 Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : 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 2024-12-13 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 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 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 obligated to block any information flagged by the consumer as stemming from identity theft within XXXX 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 vour reference. Mv 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 Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  XXXX Account Number : XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : 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 2024-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
On XXXX, Hello Sir or Mam, I need the help of your office in resolving an issue with XXXX regarding their sales practices. I recently purchased a new XXXX  XXXX XXXX from XXXX XXXX in XXXX, Ohio. To be sure, XXXX XXXX is Ohio 's largest dealer and is apprx XXXX hours from my house each way. 
Upon arrival, I gave their sales person a certified check from XXXX XXXX XXXX XXXX for the amount of {$75000.00} to pay for the car. In due course at closing, I was surprisingly told by the XXXX finance XXXX ( i dont know their name ) that IF, I did not use XXXX XXXX directly the XXXX XXXX  check AND the car would NEED to be held by XXXX XXXX for XXXX weeks, until it clears. I was confused by their ultimatum at closing, but since I did not have any leverage, I proceeded with the transaction. They continued to try At the time of closing to sell me products like GAP. and maintenance warranties, of which I declined do to me having specific funds for the transaction and did not want to come out of pocket for these add-ons. I then drove home XXXX hours to my house after NOT getting the car and giving them the check.

Fast forward to today ; its XXXX  days later and I still dont have my car, even though the car was funded and paid for by XXXX XXXX XXXX XXXX XXXX XXXX. 
Moreover, I am a 100 % XXXX XXXX  and need this car for transportation to the XXXX XXXX  XXXX for myself ( XXXX times per month ) and transportation for my family ; Also, I am accumulating interest on a car I am not in possession of. This seems like a deceptive sales tactic. Please help, I don't know what to do and since XXXX is a XXXX dollar company, their sales man who sold me the carm is not even answering my calls today and last communicated to me telling me that its their policy to wait XXXX weeks.

Company response to consumer: Closed with explanation