vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 2024-12-02 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: MA

Complaint narrative:
The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX and XXXX. 

I reviewed my Equifax credit report on XX/XX/XXXX, and found several issues with incomplete or inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), credit agencies are supposed to make sure all the information they report is accurate. The accounts listed below dont meet those standards. 

Supporting Evidence ( Equifax Report XXXX ) : XXXX. XXXX XXXX XXXX  Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : Credit Unions Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX XXXX  Phone Number : ( XXXX ) XXXX XXXX. XXXX Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX Credit Card XXXX. 
Phone Number : ( XXXX ) XXXX XXXX. XXXX Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXXXXXX XXXX XXXX XXXXXXXX. 
Phone Number : ( XXXX ) XXXX What the law says : If something on your credit report is wrong, the credit agency is supposed to fix it or remove it after looking into it. Under 15 USC 1681 5, theyre required to delete or correct any inaccurate or unverifiable information. Specifically : XXXX. If the information cant be verified or is found to be wrong, they must : Delete or correct the item in your file. 
Let the furnisher of the information know about the change.

And under 15 USC 1681s-2, furnishers arent allowed to provide any information they know or have reasonable cause to believe is inaccurate to a credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
The company I am having issues with is Toyota Financial Services I am being charged 21 % XXXX XXXX of all, second of all every time I make a payment Toyota claims there is an issue with my bank account. I have been using the same account to make payments from the day I made the first downpayment. I have been overcharged on so many occasions my car was financed in XXXX  I have been dealing with these payment issues every month. My credit has dropped from XXXX to XXXX. Every payment I make is reversed every month I get late payment charges. The car itself was priced at XXXX however the loan was for over XXXX and when I try to go thru my transaction history there are so many payments and refunds, refund fees, late payment fees it's so complicated I seen this online and didn't receive anything from XXXX XXXX government agency fined Toyota Motor Credit Corporation {$60.00} XXXX on XXXX  for what it described as running an " illegal scheme '' to prevent customers from ceasing services from the company, a process that added to their monthly payments on their car loans. 

The Consumer Financial Protection Bureau ( CFPB ), a federal agency that advocates on behalf of consumers, said that Toyota 's U.S.-based financing arm kept back refunds or returned to customers wrong amounts repayments or " knowingly tarnished consumers ' credit reports with false information. '' As a result, the agency ordered the company to pay {$48.00} XXXX to affected customers and give an additional {$12.00} XXXX penalty to CFPB 's victims relief fund. 

I am willing to give access to my account for review I am sure there is inconsistencies in my payment history Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: PA

Complaint narrative:
I am submitting this complaint so that this agency can not claim ignorance of my dispute. These reported items are being reported inaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
I am the subrogee of all said accounts not the subrogor/creditor update all the said accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like these items to be reinvestigated immediately. The inaccuracies are highly damaging to my credit score. 

XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send an updated copy of my credit report after your reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I know I make my payments on time, so its confusing why this company is marking me late. Per USC 1666b, billing errors need to be corrected, and my account should reflect " paid as agreed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MO

Complaint narrative:
See the attached documents.See the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Multiple inquiries within the same period of time were taken by multiple financial institutions ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All took place in XX/XX/year>. I specifically stated to NOT shop credit as I was pre approved and granted a loan through XXXX XXXX XXXX. I did not authorize these inquiries from any of the above institutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo Visa offered 21 months XXXX percent on balance transfers. In the 21 month period I was given increased credit credit line to {$20000.00}. Never missed a payment and always paid more than the minimum. I was carrying a balance of {$13000.00} at month XXXX Wells Fargo reduced my credit limit by {$6000.00} causing my credit score to fall XXXX points and showed my card at maxed out. I was only notified by the change via snail mail which I received after they reduced 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 explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have been in contract with National Credit Systems since or around XXXX. They never sent me any documentation in the mail or contacted me. I only know of this debt because of it appearing on my credit report. I contacted them to find out where this date came from and it is from two apartments leases, XXXX in Delaware and XXXX in Pennsylvania. I have never lived in those states. They told me of a portal to upload proof of my residency which is Florida, a police report, identification, and a notarized affidavit. I submitted those documents within a week. I gave them a few months to before contacting them for an update. I contacted them again about XXXX weeks ago and was told they have no documentation from me. So I uploaded all documentation again through there portal and also emailed them all the documentation, this was on XX/XX/year>. I called them on the XXXX of XX/XX/year> and was told they still didnt have my documentation. I asked how long does it take for them to receive the documentation and I was told they do not know. During the first waiting period when I file the original documentation I was told they had all the documentation. When I called later for a update, I was told my claim was denied. So I asked can I talk with someone from the department who approves or denies claims, so that I can get a better understanding of what they XXXX want from me. The agent I was speaking to told me there wasnt anyone I could talk to. I put up a fuss and he did eventually transfer me over to his supervisor and then the supervisor said they didnt have any documentation from me so that is why I resubmitted all my documentation again via email and to the companys portal. 


I reached out to the apartments myself to see if I can get any information and they did send me the Pennsylvania ID with my birthday and name on it. But I am not the person pictured. They also told me the person used my social security number. I have did everything the collection agency asked of me but they are not helping, they are rude, and near gives a clear answer for questions. I have now since dealing with this collect agency been contracted by XXXX other collection agencies about more apartment leases in those areas.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The balance is paid, and is closed but it is still being shown on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MD

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: MD

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has have many breaches my information has been leaked from site and Information has been changed on my consumer profile Experian refuses to change information. Experian is using my name and wrong information such as birthday and accounts I havent had or opened. I would like to hold them accountable im not able to extend credit for my house and insurance. Experian Has wrong date of birth and furnish accounts on my consumer account with out provided permissible cause or reason to furnish my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-02 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. 

XXXX XXXX XXXX XXXX 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 rights 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 items 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.

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