vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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: IL

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. 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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
Hi Team, This complaint is regarding the account settlement issues that I am having with Mazda Financials. Account Number : XXXX Car Model : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was involved in a car accident on XX/XX/XXXX where I was rear ended by a drunk driver. The car was deemed a total loss by the insurance company and a check of XXXX USD was issued to Mazda financial. 
Even though it has been almost 2 months since Mazda have received their payments, they have been calling me continuously to collect money and make my account current. I have explained to them several times that the payment was received by Mazda. They seem to agree that the payment is received but still keep calling me.

As of today, I saw my credit score went down by over a XXXX points. This is because of incorrect information provided and furnished from mazda financial. 
Can you help me get this resolved please? I have explained to several representatives from Mazda of this situation and they have also told me that they will expedite and get this fixed. But this has not been taken care for a long time now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I see this in my email for a XXXX loan that I did not get or use, so I tried to call but can't get in touch with anybody. Like I'm on the do not call lists.

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 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reported that I did not make the charges on this account and requested the account be closed but I'm receiving bad credit score based on someone using 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 2024-04-15 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: FL

Complaint narrative:
I reported that I did not make the charges on this account and requested the account be closed but I'm receiving bad credit score based on someone using my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This complaint is regarding XXXX, XXXX and XXXX XXXX XXXX XXXX referred to as XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt in which they say I, XXXX XXXX XXXX XXXX XXXX owe XXXX XXXX and their Portfolio Recovery Associates a total XXXX XXXX {$2600.00}. 
On XX/XX/2024 I, XXXX XXXX XXXX wrote a letter, sent via certified mail in response to the notice received via mail to my home address from XXXX XXXX on XX/XX/2024 stating that I must respond in writing or via phone call requesting me to validate the debt thats owed and to provide them with a response by XX/XX/2024, and I did. I, XXXX XXXX XXXX requested XXXX XXXX to provide XXXX XXXX competent evidence bearing my actual wet signature, showing that I, XXXX XXXX XXXX have or ever had a contractual agreement with XXXX XXXX, and their client Portfolio Recovery Associates as an obligation to pay their client . This is not sufficient and compliant of federal laws under the Fair Credit Reporting Act in the corresponding local state laws. 
Once again, Portfolio Recovery Associates , LLC hired yet another contracted law firm previously here in the State of Georgia after deceptively e-filing a garnishment on XXXX ( Case : XXXX ) XXXX taking {$2600.00} from my XXXX XXXX XXXX XXXX account on XXXX XXXX law Firm XXXX, XXXX, XXXX, XXXX. 
And now, they are at it again with a new XXXX XXXX XXXX XXXX two weeks later continuing to utilize deceptive unfair practices to continue to extort. XXXX XXXX and their client Portfolio Recovery Associates is continuing to violate my consumer right once again according to FDCPA ( Section 807-8 ), FCRA ( Section 623-b ), Negligent Enablement of Identity Fraud, Defamation of Character and my 14th Amendment Rights violating the Due Process Clause which provides that no state may deprive any person of life, liberty, or property, without due process of law. The 14th Amendments Due Process Clause guarantees procedural due process, meaning that government actors must follow certain procedures before they may deprive a person of a protected life, liberty, or property interest. XXXX XXXX and their client Portfolio Recovery Associates is continuing utilize unfair deceptive illegally practices by continuing to garnish my XXXX XXXX XXXX XXXX XXXX without any formal or legal notice prior to their requested response deadlines. 
Portfolio Recovery Associates , LLC already fraudulently took {$2600.00} on XXXX and now they attempting to deceptively file an additional garnishment with XXXX XXXX to take {$2600.00} from me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: OH

Complaint narrative:
Hello, I am writing to address a pressing issue regarding the accuracy of information on my Credit Report maintained by Equifax. It has come to my attention that despite a previous deletion of disputed information due to fraud by another Credit Reporting Agency ( CRA ), Equifax has failed to reflect this correction in my file. 
On XX/XX/24, I received correspondence from XXXX confirming the deletion of the following account from my credit profile after it could not be verified. 
XXXX XXXX XXXX account, This action was taken in accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, upon my request and as mandated by federal law.

As per the aforementioned procedures, I have ensured that all data furnishers associated with this account, as well as any other Consumer Reporting Agencies involved in the dispute, are duly notified of its deletion due to their failure to substantiate its validity. 
In compliance with federal regulations, I have attached documentation verifying the removal of this disputed account from my credit file, as well as evidence of its deletion by another CRA. It is imperative to emphasize that continuing to report this erroneous account on my Equifax credit report constitutes a direct violation of my consumer rights under federal law. 
I implore Equifax to promptly rectify this oversight by removing the disputed account from my credit report without further delay. Failure to do so may result in further escalation of this matter, potentially leading to legal action or formal complaints. 
Your urgent attention to this matter is greatly appreciated. I expect timely action and resolution to ensure the accuracy and integrity of my credit report as mandated by law. 
Thank you for your cooperation in addressing this matter promptly. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: AZ

Complaint narrative:
On XXXX XXXX XXXX XXXX I called Equifax in regards to a mailing they sent me acknowledging I asked for a fraud alert and received it to my account. On the notice my name was incorrect. I called XXXX as furnished on my notice and when my call was answered the Equifax CSR on the phone was very confusing, but continued to ask for my full social security number. I told him I did not feel comfortable doing that and would give other confirming info as asked and the last four of my social security number. After, address, last four of social security number, DOB, phone number and name and spelling, the CSR said he could not find me. I told him the notice came to me in an incorrect name and what that was and he stated he still could not find me unless I gave all my social security number. My complaint- first I could hear very loudly in the background while on this phone with this CSR at Equifax all the CSR 's talking to other consumers, repeating loudly the information they were receiving to the point I could verify two identifiers for a consumer speaking to another CSR with in one minute. His social security number was repeated and his name spelled out loud. I conveyed this to the CSR on the phone and he took no action, told me it was secure, of which I replied I do not believe it is if I can hear others information being repeated just as my CSR kept repeating out loud my information to include spelling. This is a credit data company with all my information of years stored and being cared for in this way? Do they not get regulated and have safety protection protocols in place as to not allow this to happen? If a consumer points out hey can hear other info being discussed- how are they protecting mine? My PII was being said out loud just like those I could hear. I am discouraged at how lacking the professionalism and security is in this incident. A fraud alert seems a mute point if my and others information is just repeated out loud like we are sitting in a coffee shop! Resolution- Security, protocols, then accountability. Someone listen to the call. You will hear me calling the issue out- to the point I almost forgot I was calling in for the incorrect name on my mailing of fraud alert added to my account notification confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished.

FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts.

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 2024-04-15 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished.

FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: PA

Complaint narrative:
There are inaccurate accounts on my credit report and I want it removed so check the documents that I've sent.

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 2024-04-15 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: MO

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. 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 2024-04-15 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: TN

Complaint narrative:
In accordance to 15 USC 1681b, I have not given written consent or verbal consent for information. It is being fraudulently reported.This is willful violation of 15 USC 1681c-1 and needs to be corrected and removed in 4 days per the 15 USC 1681C-2 OR I WILL BE SEEKING LITIGATION IN SMALL CLAIMS COURT. 

SEE ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: NJ

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Firstsource Business Process Services, LLC
State: NV

Complaint narrative:
Ok this is the issue, I'm very very poor, and live off of XXXX for XXXX and XXXX and XXXX XXXX. My XXXX we're not working properly as common with XXXX. So I got XXXX for about XXXX years. XXXX credit card companies gave me XXXX dollars in credit on a XXXX a month pay check. The committed fraud by not taking care of a red flag situation. I obviously should of never been given any of these cards let alone trusted to handle such debt. But they knew I owned my condo because of a inheritance so the greedy trolls all lined up to get a piece. I have no where else to live if I sold my condo to pay it then I would be XXXX because I can't afford rent. Getting on new XXXX has straightened me out but the damage was done. Your telling me they didn't think it was odd I was running up all my cards I was clearly XXXX and XXXX XXXX or XXXX XXXX no they just kept giving me the cards as if XXXX dollars a month was even enough with bills to keep a XXXX XXXX dollar card that's all I can afford this company gave me XXXX XXXX this account is XXXX $ get real a real respectful company with responsibility and a legal chance in court would of said no. I'm to blame they are to blame so debt is nul and void do to the legality of the who situation

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I've consistently maintained timely payments on this account, ensuring they're never overdue. I'm uncertain why there are late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I've consistently maintained timely payments on this account, ensuring they're never overdue. I'm uncertain why there are late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be rectified.

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 2024-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KY

Complaint narrative:
On Monday, XX/XX/XXXX, I called MOHELA regarding a letter and a bill I received. I did not take out a student loan, especially not through MOHELA. The representative did not give a clear answer to my question. My schooling was paid off completely in XXXX. I called my college the first time I received a letter, and my balance was {$0.00}, and completely paid off. I tried to ask a simple question, and the representative didnt give me a clear answer. MOHELA has been asking me for XXXX XXXX  for weeks, all of a sudden.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have repeatedly tried to update my address on my credit report. There should be one address 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
Consumer complaint received 2024-04-15 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: Experian Information Solutions Inc.
State: NJ

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 XXXX has violated my rights. Or a 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