vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 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: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ TOYOTA MTR ] [ XXXX ] XXXX : [ TOYOTA MTR ] [ XXXX ] XXXX : [ TOYOTA MTR ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: KS

Complaint narrative:
I have provided all proof and documentation showing that these items need to be taken off my report they have been removed from XXXX and XXXX I would like Equifax to do the same

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: RI

Complaint narrative:
To whom it may concern : I received a letter of my credit report with the intention are trying to improve my credit and take care of my responsibilities. Noticed a few accounts that I wanted a little more explanation on. The information needs to be 100 % accurate. I also read the Fair Credit Reporting Act where the law states that I have a right as a credit consumer to challenge anything inaccurate. The information needs to be 100 % accurate. The Fair Credit Reporting Act law states that I have a right as a credit consumer to challenge anything inaccurate. 15 U.S.C Sec 1681i ( n ) states that the correct information provided to these accounts must be accurate. if these accounts are, inaccurate or improperly reported, they must be deleted. The credit consumer saw your lawyer and stated that there is a 30-day window to complete this investigation. Please investigate the information on the accounts and remove them if anything is inaccurate or incomplete. 

Account Name & Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: RI

Complaint narrative:
To whom it may concern : I received a letter of my credit report with the intention are trying to improve my credit and take care of my responsibilities. Noticed a few accounts that I wanted a little more explanation on. The information needs to be 100 % accurate. I also read the Fair Credit Reporting Act where the law states that I have a right as a credit consumer to challenge anything inaccurate. The information needs to be 100 % accurate. The Fair Credit Reporting Act law states that I have a right as a credit consumer to challenge anything inaccurate. 15 U.S.C Sec 1681i ( n ) states that the correct information provided to these accounts must be accurate. if these accounts are, inaccurate or improperly reported, they must be deleted. The credit consumer saw your lawyer and stated that there is a 30-day window to complete this investigation. Please investigate the information on the accounts and remove them if anything is inaccurate or incomplete. 

Account Name & NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

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 2024-08-25 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: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
Purchased {$200.00} prepaid debit card XX/XX/year> for {$200.00} Kept card in locked desk drawer. 
Went to use card on or about XX/XX/year> only to find card has no stored value. 
Called issuer. 
Issuer said someone had made use of my card funds earlier in the week of XX/XX/XXXX. 
Filed all paperwork required for replacement of card on same day I discovered the fraudulent use. 
Card issuer acknowledged they received ALL required information. 
A few days ago card issuer mailed me a new debit card ( ending in XXXX ) very much like the one that had been fraudulently emptied however in checking the balance I find that the card they sent me had no funds loaded on it. 
I am out {$200.00} and they have had a full month to do the right thing and provide a refund however they have chosen not to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: CA

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-25 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: CA

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Address XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All needs too be removed Ive asked an sent letters an no response

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 2024-08-25 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: CA

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-25 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: MN

Complaint narrative:
I Reviewed my Consumer Reports and noticed that I had four payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX  Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: GA

Complaint narrative:
I sent the following to XXXX on XX/XX/year>, to cancel the account and stop the automatic payments since I couldnt do that online. I'd like to cancel the vehicle protection plan. I don't want to pay for it and never planned to sign up. I was forced to by the dealership and do not want it. Please cancel it and reply to me with a confirmation. l 've called your number multiple times and the call can not be completed. That's really weird. I also, tried to cancel online but your website won't allow me to do so. I'd also like a refund because I'm told I didn't have to have this service. I was lied to by the guy XXXX at the dealership who was no longer working there XXXX weeks after I made my purchase. How can I receive the refund? They never replied or canceled the account. I sent another email XX/XX/year> that was blocked. Then another on XX/XX/year>. Finally they replied to me with, Unfortunately, the email you submitted was incomplete we will need a signature and for the information request below to be completed to properly cancel. You can write the information on a piece of paper sign it and email it back to us. It appears you submitted the information to the main office, and they closed your case out due to the missing information. If there is any refund due to you it will be issued by the main office. Upon receipt of your request, we will deactivate your billing so you are not charged any further monthly installments while your cancellation request is being processed. Allow XXXX business days for processing. To check on the status of your request, please call XXXX and select option XXXX. 
Thank you for being a Mopar customer and we look forward to serving you again in the future. Once I did what they asked, I received this response Thank you. Your cancellation request has been received and entered. There will be no further billing activity on your payment plan. Please allow 21 days for processing. To check on the status of your cancellation, contact XXXX XXXX XXXX at XXXX, option XXXX. 
I do apologize for your inconvenience, but the information submitted wasn't submitted to the billing department so I can't advise why you weren't sent an email letting you know the information submitted wasn't complete it is XXXX different departments. 
Thank you. So it went from XXXX business days to 21 days to process. I still have yet to receive any confirmation of the cancellation in writing or the refund for XX/XX/XXXX and XX/XX/XXXX payments that should not have been taken. I had to cancel that card so that they would stop taking from it. Now Id like my refund to another card or a check mailed to me. Every time I try mail the main office my emails are being blocked. See proof with screenshots in attachments.

Company response to consumer: Untimely response
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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.

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 2024-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/year> - Notice of Request For Confirmation of Account Charge Of They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request to Remove Information from Credit Report They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request to Remove Information from Credit Report They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Request for Cancellation of Debt Information and XXXX Form They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request for Cancellation of Debt Information, inaccurate Information on Credit Report - They responded back with a letter to call them even after I requested all correspondence to go through the XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/year>, I was contacted by a scammer calling from the official USAA customer service center stating they were from the USAA Fraud Department. The scammer told me that someone from XXXX, AZ was attempting to complete a XXXX transaction from my account in the amount of {$990.00}. The scammer then led me through a serious of instructions to " reverse '' the transaction. Ultimately, the scammer was able to steal the {$990.00}. I immediately called the USAA Fraud Department to report what had just happened and a dispute was issued. I also submitted photo evidence of the USSA incoming call to me with the date, time, length of the call, and that it was an incoming call. At no point did I authorize anyone to take that money from my account. It is also very clear that this was suspicious activity on my account, as I do not use XXXX. The dispute was denied the next day. I called USAA to escalate the dispute, as USAA claims they have a zero-tolerance policy against fraud and scams and that customers will not be held liable. A review was submitted at that time. The review also came back as denied. USAA is claiming that because the scam was conducted through a XXXX transaction, a 3rd party customer, it is out of their hands. I don't do business with XXXX. I have been a loyal customer for USAA for over 12 years. All evidence proves that this was fraudulent activity and a scam. USAA is claiming that because I did what the scammer told me to do, I am responsible. I have lost {$990.00}. USAA did not protect me as a customer and honor their zero-tolerance policy against fraud and scam.

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I signed up for Truist this year upon moving, the representative who signed me up I did not ask them to monitor my account of add XXXX credits being taken out of my account. Soon as I locked my account, the credit charges began overnight. I was signed up unknowingly! I see the XXXX pages on the Truist banking app, I never touched or clicked any links. I never input my banking information on anything but where I order my childrens things. I am considering closing this bank account because they have privacy problems with sharing my information I did not tell them to. I want this investigation thoroughly because they are doing things above the job they were given. I keep my cards locked in a safe, nobody else has access to my account numbers that I gave. This is fraudulent, this must be refunded and they should be held accountable. XXXX should not have my bank information at all.

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