vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$57000.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$5100.00}, XXXX Balance : {$21000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX : {$57000.00} XXXX XXXX XXXX  XXXX Balance : {$5100.00}, XXXX XXXX Balance : {$24000.00}, XXXX XXXXXXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$44000.00}, XXXX XXXXXXXX Balance : {$21000.00}, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, XXXXXXXX XXXX XXXXXXXX Balance : {$57000.00}, XXXX XXXX XXXX XXXX : {$5100.00}, XXXX XXXX Balance XXXX {$21000.00}, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, DEPT OF XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XX/XX/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 2024-04-11 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: GA

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized these inquiries, I am not currently looking for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am not confident that you have accurately fulfilled the guidelines of Fair credit reporting Act in executing your Investigation. You are big, fat liars! You claimed that you verified this and told me to contact the company. You claim that the court furnished and verified the information. I did as instructed and they gave me a letter claiming that they neither furnished the information nor verified the information. They are the only ones qualified to make a verification regarding this alleged bankruptcy and they did not verify. You are allowing slander on my credit report. See the attached letter from the court proving that you are allowing erroneous information on my credit report and are falsely claiming that it is verified. Your butts need to be sued if you do not remove this from my credit report. It is inaccurate, incomplete and NOT VERIFIED! Delete this immediately Bankruptcy 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 2024-04-11 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: GA

Complaint narrative:
I had got behind on my payments. When I able to make payments, I logged into the website and it states that I am in collections with XXXX and to call them at XXXX and have to make payments through the collection agency ; {$920.00} for 6 months and they are adding monthly interest of {$76.00} back to my balance. I see the payment of {$920.00} was updated to my account but my credit report shows that I have not made any payment for over 3 months. That's incorrect. 

The website states that my next payment is due on XX/XX/year> for {$120.00} which is not what was said previously. 

When I look up the debt on my credit report, it's for their previous company name, XXXXXXXX XXXX XXXX. This doesn't even match who they are now. It shows I'm in collection but it is not coming up as a collection on my credit report. They are making even more money on me by adding back interest like they are a collection company. They are supposed to be helping small businesses like myself but are inactuality making money off of us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had got behind on my payments. When I able to make payments, I logged into the website and it states that I am in collections with XXXX and to call them at XXXX and have to make payments through the collection agency ; {$920.00} for 6 months and they are adding monthly interest of {$76.00} back to my balance. I see the payment of {$920.00} was updated to my account but my credit report shows that I have not made any payment for over 3 months. That's incorrect. 

The website states that my next payment is due on XX/XX/2024 for {$120.00} which is not what was said previously. 

When I look up the debt on my credit report, it's for their previous company name, XXXXXXXX XXXX XXXX. This doesn't even match who they are now. It shows I'm in collection but it is not coming up as a collection on my credit report. They are making even more money on me by adding back interest like they are a collection company. They are supposed to be helping small businesses like myself but are inactuality making money off of us.

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 2024-04-11 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: WA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-04-11 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: WA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On my credit report it shows XX/XX/XXXX as a late payment on the XXXX Toyota XXXX when in fact i have Prof of Extension agreement between me and Toyota Financial Services that state the agreement of extension of XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Timely payments on this account have always been my priority, preventing any occurrences of overdue payments. I'm unclear as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are mandated.

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 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one bank closed my account on XX/XX/2024. They states they can not release the money out of the account because they can verify money thats in my account. I have called several times to try to get the to send the amount in the account. There is {$12000.00} in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XX/XX/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 2024-04-11 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: CA

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: 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 non-monetary relief
Consumer complaint received 2024-04-11 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00}

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is reporting this account inaccurately. They are violation consumer law of 1. 15 USC 1681 SECTION 602 explicitly affirms my right to privacy, a right you have evidently trampled upon. 
2. 15 USC 1681 SECTION 604a SECTION 2 unequivocally states that a consumer reporting agency is prohibited from furnishing an account without my explicit written instructions, instructions which I have never provided. 
3. Pursuant to 15 USC 1666b, it is mandated that creditors can not deem a payment late unless they have adopted reasonable procedures to ensure timely delivery of periodic statements, procedures which your agency has evidently failed to uphold.

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 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Date Opened : XX/XX/2016 Date Closed : XX/XX/2016 I did not give permission to report this to anyone because I have a right to privacy, according to 15 USC Code 1681 Section 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
Upon examining my credit report, I identified inaccuracies in certain information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is imperative for the Equifax and XXXX credit bureaus to authenticate these accounts. Failing to validate this reported account within the legally stipulated timeframe without providing substantiating evidence is not permissible. The following accounts listed on my credit report require investigation and correction due to their erroneous reporting. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: WA

Complaint narrative:
I sent NOTICE to Equifax on XX/XX/XXXX Tracking XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXXXXXX, Equifax received NOTICE for tracking # ending in XXXX on XX/XX/XXXX, XXXX XXXX XXXX, GA, and NOTICE for tracking # ending in XXXX on XX/XX/XXXX, XXXX XXXX  XXXX, GA ( View details on XXXX ). The LEGAL NOTICE advised from recent amendments as to the ( FACT Act ) XXXX that Credit reports for US BANKRUPTCY, judgments, fines and liens may no longer be permitted. This means that reports for collection purposes are only allowed when collecting on an obligation arising from a credit transaction. Equifax response did not remove the information as required by the FACT Act and sent a reply stating that Equifax verified the account to be valid. I at no time gave Equifax any permission to report this transaction and have sent several documents supporting the removal. I have also included a copy of XXXX XXXX sent to another credit reporting agency which was posted on the XXXX from the FTC notifying of same requirements of Federal Law. See attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : 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

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