vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The company Capitol one, raises my minimum balance everytime I pay extra, trying to force me to continue to pay over or late pay. Example if my minimum is {$55.00} and I pay {$60.00}, next month they will raise my minimum to {$59.00}. But if I only have {$55.00} and not {$59.00} I will get penalized. 
I also got no answer or help as to why my interest rate is up to 40 %. Meaning that they STEAL a large sum of money that can help with my debt instead of helping me the extra money goes in their pocket. 
They offer no help despite that I live on a fixed income and I pay on time and pay extra. They give no help at all or care that I am struggling. They won't even offer me 0 % balance transfer card, when I try to sign in with a company that has balance transfer my credit report takes a hit a goes down. Maybe it would be best to not pay at all, I'm XXXX why do I need good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: PA

Complaint narrative:
This letter serves as a final demand for the immediate removal of the inaccurate and unverified negative items currently reported on my credit file. Despite multiple disputes submitted under the Fair Credit Reporting Act ( FCRA ) 611, no proper investigation has been conducted, and these erroneous collections persist on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: PA

Complaint narrative:
This letter serves as a final demand for the immediate removal of the inaccurate and unverified negative items currently reported on my credit file. Despite multiple disputes submitted under the Fair Credit Reporting Act ( FCRA ) 611, no proper investigation has been conducted, and these erroneous collections persist on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Dear Sir /Madam : I received a text message on or around XX/XX/year> from Ally Credit Card asking if I had authorized XXXX transactions to XXXX XXXX. : XXXX for {$900.00}, {$860.00} & {$900.00}. The text said to respond XXXX XXXX XXXX. ( ENCLOSED IS A COPY OF THE TEXT MESSAGE ] responded XXXX  and called them immediately after because they sent another text asking to call them. I advised them not to authorize those transactions. On my credit card statement it shows XXXX total transactions to XXXX XXXX that advised Ally none were authorized by me.

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 2024-11-12 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: NC

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX 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
Consumer complaint received 2024-11-12 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:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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
Consumer complaint received 2024-11-12 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
not my account. 


TRANSWORLD SYSTEMS INC has flagged your account as Collections on XX/XX/year>. 

Source : XXXX Company : TRANSWORLD SYSTEMS INC Address : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/year> Balance : {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: PA

Complaint narrative:
I am writing to formally dispute several inaccurate and outdated items on my credit report, as listed by Equifax and XXXX. These accounts have previously been reviewed and removed by XXXX following my successful dispute, yet they continue to appear on my reports with Equifax and XXXX. This inconsistency has caused significant confusion and impacted my credit score unnecessarily, despite XXXX determination that the accounts were inaccurate and should not be reflected on my credit profile. Given the Fair Credit Reporting Act 's stipulations, it is within my rights to request that Equifax and XXXX remove these same accounts in compliance with XXXX 's findings and to ensure accuracy and fairness across all reports. 

Please consider this as a formal request for Equifax and XXXX to conduct an immediate investigation into these disputed items. I have included copies of my updated XXXX report that reflect the removal of the disputed accounts, and I am seeking equitable treatment from all bureaus. The presence of these incorrect accounts has already led to undue financial stress and difficulty securing favorable credit terms. I expect Equifax and XXXX to take prompt action to resolve this matter and provide an updated credit report reflecting the accurate information as reviewed by XXXX. Thank you for your attention and assistance in resolving this issue fairly. 

following accounts need to be removed :. XXXX XXXX BANK** Account Number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Balance : {$370.00} XXXX XXXX XXXX/ XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally request the removal of all accounts related to my credit report that were XXXX under my XXXX XXXX XXXX, which has since been closed. As you may know, creditors are not allowed to report accounts as active or delinquent once they have been XXXX through XXXX. It has come to my attention that the following accounts continue to appear on my credit report, which is a violation of federal XXXX  laws. 
I have provided the list of these accounts below and request their immediate removal from my credit report : XXXX  XXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXXXXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXXXXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXX  ( Account No : XXXX ) - Paid, Closed XXXX XXXX XXXX Account XXXX XXXX XXXX ) - Paid, Closed/Never late XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX ) - XXXX through XXXX XXXX XXXX XXXX  ( Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account No : XXXX ) - Paid XXXX Closed/Never late These accounts were either included in the XXXX  or were closed appropriately.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally request the removal of all accounts related to my credit report that were XXXX under my XXXX XXXX XXXX which has since been closed. As you XXXX know, creditors are not allowed to report accounts as active or delinquent once they have been XXXX through XXXX. It has come to my attention that the following accounts continue to appear on my credit report, which is a violation of federal XXXX  laws. 
I have provided the list of these accounts below and request their immediate removal from my credit report : XXXX XXXXXXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXX  ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXXXXXX ( Account No : XXXX ) - XXXX through XXXX  XXXX XXXX XXXX XXXXXXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX  XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX  ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXX  ( Account No : XXXX ) - Paid, Closed XXXX XXXX  XXXX Account XXXX XXXX XXXX ) - Paid, Closed/Never late XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX ) - XXXX through XXXX XXXXXXXX XXXX XXXX ( Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Account No : XXXX ) - Paid XXXX Closed/Never late These accounts were either included in the XXXX  or were closed appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: OH

Complaint narrative:
THIS IS NOT A DUPLICATE! And i did not authorize any loan nor did i request any loan with your company. At this time i ask you to remove this inquiry off of my credit report with Transunion due to the fact that i did not authorize this. I have here the FTC report with you all attached to it ( XXXX XXXX ) also attached to this complaint listing that this matter is now marked fraud. Please remove this inquiry off my record. 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 2024-11-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
In XXXX, I entered a lease agreement with Ally Financial for my XXXX XXXX XXXX, set to expire in XXXX. As my lease approached its end, I reached out to Ally multiple times to request an extension but never received any information despite my efforts to follow up. The last communication I had with Ally was around XX/XX/XXXX, when I visited a dealership and was informed I needed a buyout agreement to purchase the vehicle. I was told that this agreement would be sent by mail and email, but I never received a copy. 

A few months later, in late XXXX or early XXXX, I contacted Ally again. A customer representative confirmed my account was in good standing and provided a copy of the lease, yet I still didnt receive the buyout agreement. Then, in XXXX, I was unexpectedly contacted by a third-party attorney who informed me that the vehicle was in repossession and had been charged off. I explained the situation, and he advised me to call Ally directly. 

From the week of XX/XX/XXXX onward, I called Ally Financial over 60 times, urgently requesting the buyout agreement and seeking to speak with a manager. I was repeatedly told that I couldnt speak to a manager in the escalations department as they would determine if a call was warranted. Despite these obstacles, I continued to call in an effort to resolve the issue, but I still wasnt provided with the necessary information. 

I was given until XX/XX/XXXX to settle the balance. I contacted multiple dealerships, including the one I leased the car from, hoping they could facilitate my purchase. However, three different dealerships indicated that Ally was either unresponsive or had grounded the lease, making it impossible for them to assist. Without the buyout agreement, and with the vehicle no longer in my possession, the dealerships couldnt verify the {$33000.00} amount Ally claimed was owed.

Due to Allys lack of timely communication and their delay in providing the buyout agreement, my vehicle was unfairly repossessed. Finally, on XX/XX/XXXX at XX/XX/XXXXwhen banks were already closed for the weekendI received the buyout agreement by email. The letter was also dated XX/XX/XXXX when it wasn't received on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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 XXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: SC

Complaint narrative:
I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a XXXX, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these XXXX actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the XXXX and FCRA. I will do whatever it takes to protect the rights afforded to me by thXXXX 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 2024-11-12 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: IL

Complaint narrative:
I need your help to address the incorrect account that is appearing on my credit report. This issue has affected my reputation as a customer, and I am asking for your support. Please remove these accounts as they have been inaccurately and negatively reported. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX BANK XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief