vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: MO

Complaint narrative:
I have been disputing this account for years as identity theft. With no help from credit companies this issues hasnt been fixed. I have never made any payments to this company and the information they are reporting doesnt even make sense. Its says Ive paid 0 % of the debt and monthly payments are {$0.00}, but my chart says I made 3 payments. If Experian had did a complete investigation, they would see that this account is fraudulent. I have attached what my account reads after the dispute was completed. The account use to say XXXX XXXX and now say XXXX, but the debt company contacting me pretending to be lawyers and get me to pay XXXX over the phone is from another company. I cant help but to think something fraudulent is going on with the company. FTC report is also submitted in previous complaint and with dispute. 
Report # 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 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CT

Complaint narrative:
I am a state farm agent, US Bank provided a program to give an {$800.00} bonus if agency opened accounts in their institution. They didn't provide the {$800.00}. They only provided {$350.00}. Then I was told not to close the account to see what they can do. When I pushed back i was told to XXXX myself the money. I can't because the phone number is the same on XXXX as the receiving person.

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 2024-04-10 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: CA

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: PA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-04-10 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: PA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$490.00} XXXX - XXXX  XXXX  XXXX {$1.00} XXXX XXXX XXXX XXXX XX/XX/2022

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 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
First off let me say I started my side job of tutoring math for middle and high school students and received a check from my student 's dad and deposited it into my XXXX account to find that this company done froze my account and I can't access my funds that I literally worked extra hard for. I think this is very much nonsense because I now sit with a medical emergency that I can't go see about because I don't have the co_pay that's required of me upon arrival. What I don't get is XXXX cashed the same check for me with this employer already and now they decide to give me problems. So unfair. I worked hard for my money and this is no right

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: GA

Complaint narrative:
I noticed unauthorized and fraudulent inquiries on my credit report. Those inquiries consisted of the following : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX A collection was place on my credit report from the above company without my knowledge, the opening date reported is XX/XX/2019 in the amount of {$370.00}. The account is being reported as opened and is being updated. I am unaware of having any agreement with the above company, I also was not made aware of this debt. If in fact you believe that I received proper notification of this debt please provide me the certified mail signed by myself and also the method of validation. Furthermore, the statue of limitation to collect this debt has expired in the state of New York.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: IN

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
Early last month on XX/XX/2024, I opened up a 12-month IRA Traditional CD Account with Alliant Credit Union located in XXXX, Illinois. After first talking by phone to 1 of 17 Supervisors, XXXX, my transferred form and money was confirmed & received by Alliant on XX/XX/2024. However, my deposit was delayed in posting to my account until XX/XX/2024, with only a 3.10 % vs expected 5.40 % interest rate that was posted on their website which I've attached to this complaint of when I opened up my account. I called again and talked to Supervisor XXXX  on XX/XX/2024, and was told that I opened an IRA SAVINGS NOT CD Account. However, I told her that their Alliant IRA Transfer Form which they received and my IRA Account that I opened early last month Clearly didn't show it was for an IRA SAVINGS VS CD Account. XXXX then said after talking to their IRA Department that they would open up a new 12-month Traditional IRA CD Account for me with a 5.30 % which was the rate last month on XX/XX/2024, when my account was " FUNDED '' and would be opened, changed & corrected by XXXX, XX/XX/2024. However, on XX/XX/2024, I receive a message to call back Alliant and talked to another Supervisor XXXX who said they are NOT going to give me the 5.30 % interest rate that was promised by Supervisor XXXX after supposedly reviewing my past phone calls with them? I'm still currently receiving only a 3.10 % interest rate on this account. Since opening my Account with Alliant I've received horrible customer service because of their Delays, Lying and Deception of their posted 5.40 % and then their revised & promised and NEVER received interest rate of 5.30 % and their lack of NO response to my numerous received emails to their Customer Service Team XXXX & XXXX since XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
On XXXX XX/XX/2024 approximately XXXX I was at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX parking lot. I was asleep in my vehicle when I noticed the vehicle went left, right and then up, I jumped up, I noticed that a tow truck was behind my vehicle, I started the vehicle but the vehicle wasnt moving because he had already jacked up the vehicle. He came to the vehicle with a flashlight I told him to release my vehicle. He said no, i said i am in the vehicle, he started yelling and getting louder and louder, he said he was there because Title Max sent him to repossessed the vehicle. He had a XXXX on his hip and I didnt want the situation getting any worse. I turned off the vehicle, climbed out handed him the keys and I asked him the location of where hes taking the car he said he cant give me that information however Title Max will contact me with the information. After several days have not provided that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: AZ

Complaint narrative:
I opened a business account with Comerica bank. They requested my social security card. I explained to them I dont have my card in AZ XXXX from NJ this is a business account because of that they will not release my funds or close my account and send my money back to who issued the check

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$490.00} XXXX - CARD SERVICE XXXX {$1.00} XXXX INQ RESIDENT VERIFY XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.

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 2024-04-10 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-10 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: FL

Complaint narrative:
I noticed a negative reporting accounts on my credit reports. XX/XX/year>, 30 days ago I sent a certified mail disputing the accounts. I have no heard back from any of the parties mentioned. 

I am writing to get compensation for breaking the law and getting me denied when applying for credit due to their false reporting information.

FDCPA 809. Validation of debts & FCRA Under 15 U.S. Code 1692k - Civil liability, FCRA 15 USC 1692g : Validation of debts 15 U.S. Code 1692e - False or misleading representations also EXPERIAN, XXXX and XXXX for not responding to my disputes in 30 days. According to the FCRA they have 30 days to verify and provide accurate information on my report. Also to provide whom they spoke to and " verified '' this false collection / charge off on my credit reports also want to sue for damages caused when applying for credit during the last 30 days.

Under 15 U.S.C. 1681 also have not validated 15 USC 1692g : Validation of debts I am owed in damages and need to have the negative items removed asap. 

Also Experian XXXX and XXXX failed to mark as disputed.

15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.

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 2024-04-10 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: MD

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I told the company I am on XXXX I dont have the money right now and I would like them to take it off my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
i have a chase british airways card. applied and was approved in XX/XX/2024 the annual fee was just charged but not yet due. I recived an email from chase saying the account is being closed with no explanaiton why. I tried to get an explanation and the rep just said they dont have to give a reason. they did remove the annual fee from being due however this card is on my credit report as being closed and has an impact on my credit score. i then told them since they closed the account even before the first annual fee was even made they need to delete the account completly from my credit report. they refused. they wont provide a reason as to why they closed it and refuse to delte the account. so now i have a account with less than 1 month old showing closed. i dont know if they are made a business decision to simply looking to close older americans accounts and hide behind the we dont have to provide a reason why to hide their dieciminatory tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with explanation