vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
THIS OFFICIAL CONSUMER COMPLAINT is my compliance-based contesting of the accusers ' reporting privilege related to any negativity accused against me. In this, accept my challenging of you and/or the reporter for proof of an adequately firmly established reporting process, including the mandatorily exercised Metro 2 format. CLEARLY INACCURACIES CANT BE certifiably COMPLIANT! 

I ask, DID OR DID NOT THE ACCUSING REPORTER actually SATISFY THEIR VERY CONDITIONAL PRIVILEGE TO EVEN REPORT? As you are aware, and as I too am aware as a litigious, currently injured consumer, THERE IS NO " RIGHT TO REPORT ''. 

In addition to my opposition of the data reporter 's claim ( XXXX ) ' REPORTABILITY, understand that this is also to challenge that same reporter and/or any accepting repository ( yourself included ) to demonstrate or make demonstrated PROOF that a confirmable ( certifiable ) compliant reporting process was used. 

My state and applicable federal reporting regulations require that no claim of negativity is announced unsubstantiated, unfairly, untruthfully, unproven, spuriously, or otherwise potentially questionable. With this, I demand removal from reporting or substantial modification of the still yet unproven claim ( s ), as currently listed, to a status undoubtable in its fair and compliant reporting.

Do so in particular for at least the following listed ostensible claim ( s ) which appear to have potential deficiencies of reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am having an issue getting my free annual consumer report from Chex Systems.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my lawfully leveraged consumer complaint. I have retained a record of your receipt and proof as well of the exact date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the equitable Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the legitimate Debt Collection Behaviors Act Section 807 ( 8 ), the mandatory metro 2 formatted reporting standard ( s ) of compliance and others even by your deficiencies and also by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is undeniably not certified dutifully disclosed, provable as proclaimed and/or is plain and simply entirely inaccurate and incomplete and represents a very serious error in your reporting. Either way, the claim is in dire disregard of my consumer rights and your required perfect provable compliant reporting ( s ) of only proper unabbreviated correct timely verified valid claim ( s ) even in regard to the required perfect correct complete certifiable Metro 2 format reporting standard ( s ) of lawful reporting! YOU MUST ERADICATE the claim ( s ) of any delinquency and or derogatoriness that is questionable such as in this exact circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: SC

Complaint narrative:
I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Accounts closed, written off sold without permission. Requesting 10-99 for tax purposes Verification of this accounts validity under the Fair Credit Reporting Act ( FCRA ). 
2. Any associated documentation, such as signed agreements, payment history, and supporting income reports, including but not limited to IRS Form 1099 if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This memo serves you as my official consumer COMPLAINT regarding your injurious and unlawful reporting of an item that is either or all of being UNTRUE, INACCURATE, INCOMPLETE, UNVERIFIABLE, INVALID, NOT COMPLIANT to perfect and full XXXX XXXX format reporting, and/or NOT CERTIFIED as one or more as is MANDATORY for lawful reporting of ANY claim of derogatory and/or delinquency against any consumer, OR NOT! 

You have listed a derogatory and/or delinquent student loan on my credit file as noted below. I hereby rightfully request and DEMAND that you immediately and until certifiably compliant, remove and block this misinformation in full accordance with regulatory laws and standards of reporting, including but NOT limited to the adequate aspects of the FCRA, FDCPA, and mandatorily perfect correct XXXX XXXX format reporting compliance. 

This declaration serves as my request that you CHECK for absolute and undoubted VALIDITY of claim ( XXXX ), physically verifiable and CERTIFIED XXXX XXXX compliant reporting of the validated claim ( s ), and to accept my DISPUTE of any UNTRUTHS, INACCURACIES, and/or INCOMPLETENESSES of physically verifiable validity, as well as to accept my call against any claim that is suspect in its perfect XXXX  XXXX compliant reporting. 

Any missing and/or insufficient aspects of validity and/or compliance OR any UNTIMELINESS of its demonstration are rightful grounds for me to DEMAND and COMPEL you to BE FULLY compliant in your reporting or else accept that I will seek suitable resolution and monetary relief in a civil court nearest and most favorable for me. 

In accord with FCRA 611 ( a ) ( 7 ), you are specifically REQUIRED to present a document description of the precise and adequate procedure ( s ) utilized by your agency in providing and obtaining this particular derogatory and/or delinquent student loan, including if it was obtained by a Third-Party originator and/or HOW WAS IT HANDLED and/or TRANSFERRED to and/or BY your firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I am currently on the XXXX plan. Sometime in XXXX, I received a letter from Mohela that my student loans are being put in forbearance while the XXXX plan is going through court hearings. The letter stated that interest WILL NOT accrue during this time. However, last week, I received a letter stating that my loan IS accruing interest the entire time it has been in forbearance. Checking the Mohela website, it clearly states that my interest rate is 0.0 %, yet I have been charged interest on my loans this entire time. I don't see why I should be charged interest on a forbearance that is out of my control, especially when Mohela said that this will not be happening. It seems Mohela is attempting to extort money from those affected by this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings
State: TX

Complaint narrative:
I have recently been informed that there is negative information reported by the below data reporting furnishers concerning me or some individual potentially mistook as being me. I am referencing files you maintain under my social security number. The below denoted item ( s ) reported by the also detailed accusing data reporting furnisher ( s ) are contentious at best given fact there appears at least 1+ deviations from the established credit reporting industrys expected abided by reporting standards for consumer credit portfolios, namely that of the mandatorily utilized XXXX XXXX Data-filled Field Formatted reporting standards of which the CDIA signaled ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA, which sure seems akin to the federal regulatory reporting mandates ( LAWS ) which hint to requisite that any prospective reporters of information MUST HAVE in play procedures, processes, and practices to ensure that any allegations made are done so to a degree no lesser than that of a MAXIMUM POSSIBLE ACCURACY and a MAXIMUM POSSIBLE COMPLETENESS. 

It is NOT A STRETCH to suggest that entities failing to meet BOTH the regulatory requisites AND have also failed to act with certifiable compliant reporting procedures, processes, and/or practices in conjunction with the above noted CDIA statement in concern to non-compliance of the standards established surely it is reasonable to wonder if a reporter has acted so egregiously to have potentially eradicated their assumed-privilege to report data of derogatory nature versus a consumer. In similar question would be the curiosity if or not such a violating entity has acted in willful even unlawful disregard of consumer rights and their own regulatory responsibilities. 

Did the reporting party ( ies ) act in willful negligence? Or in reckless abandon if not in absolute ignorance despite certainty of fact that each and all reporters know better or SHOULD HAVE KNOWN BETTER, being that reporting standards were in fact established for the very purpose to better ensure a reporters greater likelihood of successfully abiding by the state and federal reporting requirements of which they are under absolute obligation to obey. 

With the above statements and considerations, please act now to remove from reporting any derogatory claim forwarded by any below listed entity of which failed to report adequately by each the regulatory requisites as well as the established and mandatorily utilized credit reporting industrys XXXX XXXX Compliance standards :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: IL

Complaint narrative:
There are a number of inquiries on my credit report that are fraudulent inquiries, I have NOT tried to apply for any credit other than XXXX XXXX XXXX XXXX also known as aa XXXX XXXX from the months of XXXX, XXXX, and XXXX I have spoken with agents from XXXX and XXXX and Transunion and advised that the ONLY inquiries that are mine are the once from XXXX XXXX XXXX XXXX and that rest ARE NOT A MATTER OF FACT. Under the Fair Credit Reporting Act section 1681c2. Block of information resulting from identity theft they must ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Remove the Inquiries, but because they are using a call center out of the country their agents are refusing to comply with the Federal Trade Commission and the Fair Credit Reporting Act. I was advised that they do not have to follow the law and that they have their own internal policy that they will follow. I asked that we go over all the inquiries and they stated that they would not. I requested that they send me a copy of my credit report and as of today, I have not received it. This request was made XX/XX/XXXX, XXXX it is now XX/XX/year>, so in a month they have yet to send me a copy of my credit report. 

I am requesting that they remove all the fraudulent inquiries from my credit report other than XXXX XXXX and that they send me an updated copy of my credit report. I have also spoken with an attorney to see about filing a lawsuit with the Federal Courts if they do not remove all the fraudulent inquiries from my credit report and send me an updated copy within one week of XX/XX/year> I have sent them a copy of my Drivers License and Security Card

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX Inquiries : XXXX XXXX  XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX Inquiries : XXXX XXXX  XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I have 120 inquiries and its all for trying to get a car. So how exactly is that a bad thing. Im blocked from all dealerships so now what?!

Company response to consumer: Closed with explanation