vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 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: FL

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.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Summary of Accounts being challenged in list form : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: DE

Complaint narrative:
I have requested several disputes on debt I do not recognize on my credit report there are 3 showing 2 from XXXX XXXX XXXX and one from XXXX XXXX  I requested proof of debt documentation showing who provides the information and what information was provided to determine these results when it proceeded to come back verified. I tried to submit a second dispute to request a second time but was denied. I would like all documents pertaining to these 3 investigations sent via mail.

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 2024-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: DE

Complaint narrative:
I have disputed this with the credit companies as well as sent certified mail requesting documents and proof of this debt I requesting the original contract with signature, payment history how the amount was calculated, proof of assignment and bill of sale with amount paid, proof it was not involved in a tax right off or insurance claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: PA

Complaint narrative:
Misleading information with transunion XXXX, XXXX and XXXX XXXX XXXX credit balance is incorrect utilization rate s incorrect a 5 year medical bill, late payment correction, XXXX XXXX XXXX XXXX payment is adjusted and current

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 2024-03-01 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:
Misleading information with XXXX  XXXX, Experian and XXXX XXXX XXXX  credit balance is incorrect utilization rate s incorrect a 5 year medical bill, late payment correction, XXXX XXXX XXXX XXXX payment is adjusted and current

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 2024-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
THIS ACCOUNT WAS OPENED UNDER IDENTITY THEFT AND DOES NOT BELONGS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I opened an account with Company. I used the card maybe once.
About a 2 weeks later they asked for verification. 
I told them im a XXXX XXXX what kind of verification. 
They started asking for other individuals in my home income. I said if info isnt provided they will close the account. 
I said you can close the account. 
Never missed never late and paid it off. 
They told me it will not be on my credit report.

Now it it up there for ten years and i need it off as it was not supposed to be up there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: HI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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
Consumer complaint received 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
I called MOHELA about the public student loan forgiveness program that I was entered into on XXXX. The documents that they needed were provided by my employer. When I called the other day to get more information because I had changed jobs, they said they wouldnt accept the forms from XXXX  because the dates that were entered were not accurate in the date format. The dates they have for my start date with that employer are correct, but the end date is incorrect. I told the customer service representative that, and she ignored me. I also asked for assistance with help now on paying my loans and she ignored me. I then asked to talk to a manager, and was on hold for 45 mins and never got to speak to a manager. I was told extremely upset, and even more frustrated that if the forms were some how filled out incorrectly why wasnt I notified in XXXX? Can I please get some help with this? The company is making claims that arent even correct all so they dont have to help you. This is beyond upsetting!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am an active affirm user and have requested loans and paid many of them in full without a problem, I recently applied for a loan through XXXX and was given the option to identify myself, which I did, this is not new. After proceeding with application I was given the option of how to repay the loan and I chose an option that required a downpayment for which I use my debit card to pay, {$900.00}. I watch while the debit of {$900.00} was deducted from my account, but when I noticed that I did not get an email from the company ( affirm ) regarding my loan I called them and was told they were having systems issues. In the meantime {$900.00} was be held in suspense. Later I received an email that my loan was decline and I did not receive the {$900.00} back into my account. I call affirm once more and was told the same by a supervisor, to call back they were having system issues. I call my bank where the money was deducted and was told to call affirm back. I later spoke to a supervisor from affirm and he struggled to explain why the money was not back into the account. I have affirm numerous times at help @ affirm.com and no one has responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: MO

Complaint narrative:
I have 2 XXXX XXXX XXXX credit cards that went to delinqunt in XX/XX/2017 and later charged off. But it shows in the report as XXXX XXXXThey are supposed to be removed from the credit report as they passed 7 years. XXXX removed those 2 accounts from the file but Equifax and XXXX are coming back saying that the XX/XX/2017 is the correct date and not XX/XX/2017 and hence they are not deleting the accounts. I tried reaching out to the XXXX XXXX XXXXXXXX and they say that they don't have any information on this as it is more than XXXX XXXX XXXX. My SSN is XXXX. I'm raising disputes but equifax comes back that XXXX XXXX XXXXXXXX responded with the information is correct. If that us the case why XXXX XXXX XXXXXXXX says they don't have information when I contact. Equifax, XXXX and XXXX XXXX XXXXXXXX are playing with my time and credit report. This is making. my house buying purchase hard. 

I'm attaching the XXXX XXXX report where the first deliquency is XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: MO

Complaint narrative:
I have XXXX XXXX  XXXX XXXX XXXX XXXX that went to delinqunt in XX/XX/2017 and later charged off. But it shows in the report as XXXX XXXX are supposed to be removed from the credit report as they passed 7 years. XXXX removed those XXXX accounts from the file but XXXX and Experian are coming back saying that the XX/XX/2017 is the correct date and not XX/XX/2017 and hence they are not deleting the accounts. I tried reaching out to the bank XXXX XXXX and they say that they don't have any information on this as it is more than XXXX XXXX XXXX. My SSN is XXXX. I'm raising disputes but XXXX comes back that XXXX  XXXX XXXX responded with the information is correct. If that us the case why XXXX  XXXX XXXX says they don't have information when I contact. XXXX, Experian and XXXX  XXXX XXXX are playing with my time and credit report. This is making. my house buying purchase hard. 

I'm attaching the XXXX XXXX report where the first deliquency is XX/XX/2017.

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 2024-03-01 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Central Portfolio Control Inc.
State: WV

Complaint narrative:
I have disputed this debt on my credit report 2 times before, first time credits t collection company said they would remove the debts then sold them to another agency, to which I disputed this debt with the help of the attorney generals office, the company failed to respond to my last letter in which untold them I contacted the agent to which they said I owed the debt to and the agency told me I did not owe that debt to which they are saying I owe, I then explained in the last response letter that I believed it was a mistake seeing how I became XXXX during that time and I had both medical insurance through my place of employment and also I had XXXX  so I do not owe that debt, they did not respond to my last objection letter then XXXX  weeks later the debts were removed from my report, I just checked my credit again yesterday and after 4 months they re entered the same debts again through a different agency, i want these debts removed and I'm getting tired of all these illegal coll action practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
The company I.C. SYSTEM, INC placed a negative mark on my credit report about the following account which I do not know the debt. the information is as follows : XX/XX/, I.C. SYSTEM, INC {$330.00} account number : XXXX I was never contacted via mail, phone, or email according to the Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 which did not allow me to ask that the debt be validated. So, the debt has not been validated.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have XXXX bank of america credit cards that went to delinqunt in XX/XX/year> and later charged off. But it shows in the report as XXXX XXXX are supposed to be removed from the credit report as they passed 7 years. XXXX removed those XXXX accounts from the file but XXXX and XXXX are coming back saying that the XX/XX/year> is the correct date and not XX/XX/year> and hence they are not deleting the accounts. I tried reaching out to the bank of america and they say that they don't have any information on this as it is more than XXXX XXXX XXXX. My SSN is XXXX. I'm raising disputes but XXXX comes back that Bank of america responded with the information is correct. If that us the case why Bank of america says they don't have information when I contact. XXXX, XXXX and Bank of america are playing with my time and credit report. This is making. my house buying purchase hard. 

I'm attaching the XXXX XXXX report where the first deliquency is XX/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 explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: GA

Complaint narrative:
I have defaulted on XXXX payment on these loans the interest rate is outrageous. And they are already claiming to send me to collections. I can't afford payments where the interest rate is 700 %

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: OK

Complaint narrative:
I have tried to dispute with this creditor and the XXXX major credit bureau agency in XX/XX/2023, XX/XX/2023 after noticing a drop in my credit and closing out an account in XXXX. After closing the account with XXXX XXXX XXXX  Account XXXX XXXX in XXXX, I noticed a drop in my credit report in XXXX because my account was reported to be 30 days past due. I spoke to customer service and was told that I still had interest to pay after my account was closed. The interest that was reported was {$1.00}. I was not aware of these at the time of closing out the account. This account was closed in XXXX after a missed payment in XXXX. I closed the account because of the multiple fraud activities on my bank card, which resulted in changing my bank card XXXX different times between XXXX to XXXX of last year which resulted in a missed payment. I requested for a script that shows that I was late with the XXXX payment. I have contacted the company XXXX XXXX XXXX  Account XXXX XXXX directly to find out why I was considered late in XXXX when I closed the account in XXXX. I reached out to them to show the prove that the account was closed in XXXX and also show the balance that was reported in XXXX. XXXX XXXX XXXX  Account # XXXX never sent proof that I was late. I would like an investigation to be done regarding my case. The creditor has illegally rearranged my closing date to XXXX. Tran union, XXXX and XXXX are all not saying the same thing with my account They have failed to do an update on my account and do a proper investigation.

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 2024-03-01 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: OK

Complaint narrative:
I have tried to dispute with this creditor and the XXXX major credit bureau agency in XX/XX/2023, XX/XX/2023 after noticing a drop in my credit and closing out an account in XXXX. After closing the account with XXXX XXXX XXXX  Account XXXX XXXX in XXXX, I noticed a drop in my credit report in XXXX because my account was reported to be 30 days past due. I spoke to customer service and was told that I still had interest to pay after my account was closed. The interest that was reported was {$1.00}. I was not aware of these at the time of closing out the account. This account was closed in XXXX after a missed payment in XXXX. I closed the account because of the multiple fraud activities on my bank card, which resulted in changing my bank card XXXX different times between XXXX to XXXX of last year which resulted in a missed payment. I requested for a script that shows that I was late with the XXXX payment. I have contacted the company XXXX XXXX XXXX  Account XXXX XXXX directly to find out why I was considered late in XXXX when I closed the account in XXXX. I reached out to them to show the prove that the account was closed in XXXX and also show the balance that was reported in XXXX. XXXX XXXX XXXX  Account # XXXX never sent proof that I was late. I would like an investigation to be done regarding my case. The creditor has illegally rearranged my closing date to XXXX. XXXX XXXX, Equifax and XXXX are all not saying the same thing with my account They have failed to do an update on my account and do a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
There aremultiple fraudulent transactionsin mh apple account made by an app through my apple account for XXXX  of dollars. I disputed all transactions and some they already refunded me for but there are still thatlingers and apple cards proof is a receipt using my apple a count of course there are receipts from my apple account because that is what I am trying to dispute so Done used my apple account that is linked to my apple card to make purchases from an app that I never authorized. Please help me. Everytime I dispute thesetansactions it seems like thedisputedecision is automated after certain time have passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint 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 explanation