vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also Bank of America detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove

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 2024-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My name is XXXX, XXXX XXXX. I am sole heir and beneficiary to the legal name XXXX XXXX estate. On behalf of my estate a trust relationship has been expressed on behalf of the XXXX XXXX XXXX XXXX, XXXX XXXX Estate, the trust name is XXXX XXXX XXXX XXXX LIVING TRUST to which all property, rights, titles, and interest has been conveyed to said TRUST. I am notifying CFPB within this complaint that XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( closed ) has committed identity theft by using my information to report to the Credit Reporting Agency XXXX. As beneficiary to XXXX XXXX XXXX XXXXXXXX XXXX TRUST and as heir to XXXX XXXX XXXX Estate, I have all priority beneficial rights, titles, and interest in all property/assets in anytime pertaining to and including names and account ( s ) information with CAPITAL ONE BANK USA NA . CAPITAL ONE BANK USA NA is in breach of their fiduciary duty by causing harm to my trust and estate by sharing incorrect, inaccurate, false and misleading representation of information without my expressed consent. This is a violation of Trust Law and principles of equity are also being violated against me as authorized agent/representative for XXXX XXXX. I need for CAPITAL ONE BANK USA NA to provide their authority to share any of my privacy information regarding any alleged debt or accounts. How they came up with the alleged debt balance to report to XXXX? Failure to respond to this complaint will lead me to believe that CAPITAL ONE BANK USA NA has used aggravated identity theft to furnish my information to XXXX, XXXX, and XXXX. Please take note and be aware of their compliance to [ 18 USC 894 ] and [ 18 USC1028A ] this is in reference to this company and any of its representatives committing identity theft or crimes against my Estate and Trust name and all property held in trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2024-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: AL

Complaint narrative:
A week or two prior to leaving my residence of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX, I called XXXX XXXX and asked them to terminate my service at the residence on XX/XX/year>. When I paid my last bill, they told me that was my last payment ; however, they sent a bill to collection to Online Information Service for {$81.00}. Now, if you can go back and see my paying history, you will see that every bill I paid to them was paid on time and paid in full so I would not have left owing a bill for just {$81.00}. They mislead me telling me that my account was current and paid in full ; therefore, if this is not removed due misleading of information, I will be taking legal action for violating the FCRA Act for the amount of {$2000.00} if this is not removed off my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX Data Breach I am writing to formally dispute unauthorized activities on my credit cards XXXX XXXX XXXX XXXX my concern regarding the recent XXXX data breach that was publicly disclosed in XX/XX/year>. My personal information name, Social Security number, driver 's license number, was compromised in this breach. 

Since the breach, These incidents have caused significant distress and potential harm to my financial standing and personal security. 

I request the following actions to be taken immediately : **Investigation and Resolution** : Conduct a thorough investigation into the unauthorized activities associated with my account and provide a detailed report of your findings. 
** Account Security** : Ensure enhanced security measures are applied to my account to prevent further unauthorized access. 

**Compensation and Support** : Offer compensation for any financial losses incurred due to the breach and assistance in resolving any issues related to identity theft. 

Please acknowledge receipt of this letter and provide a response detailing the steps that will be taken to address my concerns within 14 days. 

Thank you for your immediate attention in the 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 explanation
Consumer complaint received 2024-06-25 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: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
XXXX, XXXX, XXXX  Sir/Madam, I initially filed a complaint the week of XX/XX/year> to the CFPB that Toyota Financials offer to resume my monthly payments of {$440.00} on XX/XX/XXXX that I had accepted was switched back to XX/XX/XXXX without my consent. As a result, this contract offered in bad faith has put me over 2 months behind and risking a negative credit report today. 

The following events that have transpired since my previous complaint are as follows. 

I received a call on Wednesday, XX/XX/XXXX from Toyota Financing saying that I have a payment due of {$440.00} on the XXXX. I let the representative know that a payment will be made for that amount on Thursday, XX/XX/XXXX. However, when I went to my account on Thursday, I noticed that the balance due on XX/XX/XXXX was showing {$890.00} instead of the XXXX amount of {$440.00} the representative said was due XX/XX/XXXX. Then I got an email alert saying that {$890.00} had been scheduled to come out of my checking account on XX/XX/XXXX. This is a problem because I will be overdrawn by negative {$890.00} when that happens and I will get a {$10.00} fee for Insufficient Funds in my bank account. 

The line was clear when I called Toyota Financial back yesterday to try to talk to a representative to find out why a Toyota Rep initially gave me a balance due different from the balance due on my online account at Toyota Finance. However, the line became unclear immediately after I gave my full name to the representative. Right after I introduced myself, I heard a funny clicking sound on the call like someone was tampering with the line and then they disconnected the line afterwards.

Since then, I was overdrawn by {$890.00} and charged a {$10.00} insufficient funds fee by my banking institution.

Moreover, but for Toyota Financial changing the payment due date without notifying me I am now over 2 months past due instead of less than one month affecting my credit status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 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 XXXX XXXX XXXX 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

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 XXXXXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: GA

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

XXXX # XXXX, XXXX # XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 furnish an 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 2024-06-25 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: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-25 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to FCRA income can not be reported on a credit report. This account has affected and damaged me mentally and physically, preventing me for better options as far as dwelling and credit cards. I am writing to formally request the issuance of IRS Form 1099-C ( Cancellation of Debt ) for the account that have been charged off by your institution. This charge off account is reporting inaccurate information and its against " Title 15 USC 1681b ( a ) ( 2 ) ''. 

SYNCB/AMAZON PLCC Acct # : 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 2024-06-25 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 2024-06-25 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: NV

Complaint narrative:
Current bank has held my recently transferred funds for 14 days and has not responded to any of my emails. They refuse to respond, refund, or release my transfered fund, which were used to transfer to a different account due to issues with my bank. I have provided all necessary documentation and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: DE

Complaint narrative:
after carefully reviewing my credit report i have notice the accounts listed below are not mine i do not owe debt or have a contract with these companies law 15 u.s.c 1681 5-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i would like these accounts removed from my credit report asap which is hurting my ability to obtain credit & purchase a home

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 2024-06-25 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: DE

Complaint narrative:
after carefully reviewing my credit report i have notice the accounts listed below are not mine i do not owe debt or have a contract with these companies law 15 u.s.c 1681 5-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i would like these accounts removed from my credit report asap which is hurting my ability to obtain credit & purchase a home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: GA

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

XX/XX/ # XXXX, XXXX # XXXXXX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX 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 furnish an 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