vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: CO

Complaint narrative:
My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX {$9700.00} XXXX  XXXX - XXXX {$5900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: CO

Complaint narrative:
My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX {$9700.00} XXXX XXXX - XXXX {$5900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: IL

Complaint narrative:
The representatives I spoke with over the phone were exceptionally rude to me during the entire phone call. XXXX representative, XXXX, went so far as to say " What do you want? '' over and over again while I was trying to explain the situation to her. She purposefully would not let me get a word in and then tried to transfer me to another person. Another representative said to me in these words " do you think the property management company is just jerking ( or something like that ) you around and that you actually do owe the debt '' while I was explaining to her that the property management company had already reached out to IQ Data multiple times to notify them to close the account because this is not a valid debt so on and so forth. All of these ladies spoke to me like I was a criminal who had been judged guilty of a crime ( even felt racially motivated ) instead of looking in the appropriate place in their system to find out that XXXX XXXX had reached out to them multiple times stating that this account was supposed to be closed and that we do not owe a balance like a supervisor did by the name of XXXX XXXX. It took about XXXX or XXXX calls to get to XXXX who was professional the entire time with the first call starting at XXXX XXXX XXXX  which lasted about XXXX minutes. The other calls occurred after that. It seems like the representatives were laser-focused on being rude and collecting a debt whether I owed it or not while the supervisor was focused on actually resolving the situation. I've never called a company and had XXXX or XXXX people in a row be this rude to me while trying to resolve a business situation. I feel that anyone who pulls the XXXX or XXXX phone calls and listens to how rude these people were to me would feel that those employees/contractors would need to be investigated for intentionally ignoring the information available to them in their company system and maliciously attempting to collect a debt from a debtor even though the debtor doesn't owe the debt. I'm not sure if they receive an incentive to collect debts from debtors but that's what it seemed like with how rude they were and how everything I was saying was ignored. XXXX time is a mistake but XXXX times is a pattern. Not to mention my wife and I have worked exceptionally hard on our credit reports since before XXXX and to have my XXXX XXXX XXXX XXXX and my wife 's drop XXXX and these representatives purposefully are trying to make us pay for something that we do not owe to gain an incentive is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Paid off the vehicle in XX/XX/XXXX. Never received title or release of lien letter. Contact ally financial in XX/XX/XXXX they could not find the vehicle with just my name and ssn. Wanted the vin number. Did not have it handy at that time called back the next week in XXXX was transferred XXXX or 4 times then updated my address and phone number after providing the VIN was told to allow XXXX  days for processing and for it to be mailed. Still have received nothing.

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 2024-05-14 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: EQUIFAX, INC.
State: PR

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 

Please remove it from my credit report or Im seeking litigation please delete. I demand the following fraudulent Inquiries deleted from my credit report immediately. 

1. Bank Name : XXXX  Date of inquiry : XX/XX/XXXX 2. Bank Name : XXXX Date of inquiry : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: ME

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

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 2024-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: MN

Complaint narrative:
I applied for a short-term personal loan with a high interest rate company called XXXX XXXX  as a returning customer on XX/XX/XXXX of 2024, The application was on the phone and they told me the funds were going to be available by the end of the next day yet I haven't received them till XX/XX/XXXX at XXXX XXXX. part of the information they requested was how frequent do I get paid and what day do I get paid on normally and they have explained to me that their interest is on daily basis and that the sooner you pay off the loan the less interest is being paid off with. The first payment with interest was scheduled on XX/XX/XXXX which is the date of my payday though I have elected to also pay down the whole principal. However, the company is trying to charge me interest for XXXX weeks although I had the loan for only XXXX week and they're trying to tell me that it's written in the payment schedule ( that I didn't get a chance to see till later because of their system upgrade as I mentioned before ) and that they can't do anything about it and they refused connecting me to supervisor or a loan writer saying that the system won't prompt them to because the payment is still being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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:
I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to check my credit profile with TransUnion credit bureau. 

Also they is a late payment reported from XXXX XXXX on XX/XX/XXXX. I did not authorize this account with 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 2024-05-14 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: FL

Complaint narrative:
Unauthorized Credit Inquires 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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The company did not validate the account the information reported on my credit report before it was updated.The information that they was reported is incorrect and need to be thoroughly reinvestigated. Creditor os also in violation of TILA Credit also failed to disclose tila disclosure statements and original contract for validation

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
they nevered virifed the 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 non-monetary relief
Consumer complaint received 2024-05-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention an incident regarding my old checking account with Bank of America, and I kindly request your assistance in resolving this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The incident in question occurred on the aforementioned date, marked by unauthorized activity in my checking account. It came to my attention that my account was compromised after I lost my debit card. Upon further investigation, it was evident that someone had unlawfully accessed my account and attempted fraudulent transactions. 

This incident has been deeply concerning and has had significant repercussions on my financial well-being. Despite my efforts to address the matter with Bank of America, the incident remains unresolved, and the repercussions continue to affect my ability to utilize banking services. 

Moreover, I wish to emphasize that I have been a victim of identity theft, as evidenced by the unauthorized changes made to my account, including the alteration of my email address from XXXX XXXX XXXX 

Given these circumstances, I respectfully request the removal of the checking account fraud incident from my credit/banking early warning system report. This erroneous listing is adversely impacting my financial standing and impeding my ability to access essential banking services. 

I trust in the Consumer Financial Protection Bureau 's commitment to consumer protection and fair banking practices. Your assistance in rectifying this matter would be greatly appreciated. 

Thank you for your attention to this request. I am available to provide any additional information or documentation required to facilitate the resolution of this issue. 

Sincerely, 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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: ME

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation