vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of the following account ( s ) on my credit report. By the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 and 15 U.S.C. 1681i ( 5 ), it has come to my attention that the account ( s ) listed below have violated my federally protected consumer rights regarding privacy and confidentiality. 

Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681, it is my right to have my consumer credit report maintained with the utmost confidentiality and accuracy. The inclusion of the above account ( s ) violates this right, and the reporting of this information constitutes a breach of my privacy. Furthermore, I believe these items are inaccurately reported and are being maintained in my file without the proper verification or validation of the legitimacy of the account ( s ), as required under the law.

Per 15 U.S.C. 1681i ( 5 ), I demand that you conduct an immediate investigation of these account ( s ), and if found inaccurate, unverifiable, or incomplete, promptly delete the account ( s ) in question from my credit file.

Please provide me with : Written confirmation of the results of your investigation.

A statement detailing whether any items were deleted, corrected, or verified.

If the account ( s ) is verified, full documentation proving the validity of the account ( s ) and the process you followed to reach this conclusion.

Failure to comply with my request within the legally required timeframe will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal recourse.

Thank you for your immediate attention to this matter. I expect a prompt resolution of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of the following account ( s ) on my credit report. By the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 and 15 U.S.C. 1681i ( 5 ), it has come to my attention that the account ( s ) listed below have violated my federally protected consumer rights regarding privacy and confidentiality.

Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681, it is my right to have my consumer credit report maintained with the utmost confidentiality and accuracy. The inclusion of the above account ( s ) violates this right, and the reporting of this information constitutes a breach of my privacy. Furthermore, I believe these items are inaccurately reported and are being maintained in my file without the proper verification or validation of the legitimacy of the account ( s ), as required under the law.

Per 15 U.S.C. 1681i ( 5 ), I demand that you conduct an immediate investigation of these account ( s ), and if found inaccurate, unverifiable, or incomplete, promptly delete the account ( s ) in question from my credit file.

Please provide me with : Written confirmation of the results of your investigation.

A statement detailing whether any items were deleted, corrected, or verified.

If the account ( s ) is verified, full documentation proving the validity of the account ( s ) and the process you followed to reach this conclusion. 
Failure to comply with my request within the legally required timeframe will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal recourse. 

Thank you for your immediate attention to this matter. I expect a prompt resolution of my rights under the Fair Credit Reporting Act.

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 2024-10-01 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
In accordance with the fair credit # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan asa late for and purpose.

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 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
I hired XXXX XXXX XXXX d/b/a XXXX painting company for exterior painting work. Shortly after he started the exterior work, he provided a quote for additional interior work as a separate job. He then pressured me into providing a deposit for the interior job, which I reluctantly paid under duress. He said in order to pay his guys for the work they were doing on the exterior work, he needed my deposit then and there. 

As work on the exterior proceeded, I discovered numerous issues, including poor workmanship. Most notably, XXXX of XXXX XXXX 's employees irreparably stained my brand-new mahogany door. I didnt want my door stained and his employee selected a solid stain XXXX and applied it without my permission. 

On XX/XX/year> XXXX XXXX and I had a phone conversation about how displeased I was with his exterior work, he offered to refund me my deposit for the interior job which had not yet started. 

After our phone call I texted XXXX XXXX that, pursuant to our phone conversation, I would take his suggestion to cancel the interior work and get a refund of my deposit of {$2100.00}. He agreed to refund that amount and asked for a few days to process the refund. 

On XX/XX/year>, I texted XXXX XXXX to find out the status of my refund. 

On XX/XX/XXXX he said he hadnt processed it yet and that he would asap. 

On XX/XX/XXXX I texted him again asking when I can expect the refund. He never responded. 

On XX/XX/XXXX I texted him again asking for an update. He informed me he still hadnt processed the refund. I told him I would give him XXXX more weeks before taking further action. XXXX weeks went by and I never heard anything else from XXXX XXXX so I contacted Ally for assistance. 

I have documented texts between XXXX XXXX and myself proving he canceled the service and promised a refund. Despite this, XXXX XXXX refused to return my deposit for the canceled interior work. 

Initially, Ally Credit Card determined that XXXX XXXX owed me the money, and my account was credited accordingly. However, Ally has now reversed the chargeback based on XXXX XXXX 's claim that " if the consumer cancels the job, the deposit is non-refundable. '' This isn't a valid reason as XXXX XXXX himself canceled the job and promised a refund. 

I have been trying to resolve this dispute with Ally for almost a year now. I have documentation on both XXXX XXXX and Ally to prove my assertions. 

Thank you very much for your help with this unpleasant matter.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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 may 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 seven 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 2024-10-02 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.

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer 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 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a tremendous amount of soft inquiries on my credit report which I never authorized and have opted out for the past XXXX years yet they continue to occur and are not removed as soft inquiries dont usually damage the consumer report but they are detrimental to mine as a XXXX XXXX XXXX XXXX XXXX XXXX  I am very concerned that they are negatively affecting my consumer reports and hinders my ability to access funding

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 2024-10-01 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: VA

Complaint narrative:
I have a tremendous amount of soft inquiries on my credit report which I never authorized and have opted out for the past XXXX  years yet they continue to occur and are not removed as soft inquiries dont usually damage the consumer report but they are detrimental to mine as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  am very concerned that they are negatively affecting my consumer reports and hinders my ability to access funding

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: OH

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XXXX XX/XX/2023 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-10-01 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: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I am XXXX  and used telecommunication device to call. They hung up the phone on me. 
I called back and they would not answer. I had someone call for me and they said they would call me back. They never did. I had someone call for me again and they said they could not speak to that person and they threatened to take me to court. They called a line based number but again would not talk to that person even though they told them I was deaf so the person asked them to stop calling. I received a settlement letter and called and left a message for return call but again they never did. I called again and no answer. I am XXXX XXXX XXXX XXXX and unable to pay. Months later they sent more documents asking for payment but won't accept my relayed calls. 

This whole process after years of wating, denied secondary exemption and began again XXXX 2024. I just received a package in XX/XX/year> and seems this whole process is starting all over again. I am deaf and us telecommunication device or another perso to speak for me. I am currently on XXXX and am asking them to honor the request to exempt and cancel all debts in regards to this matter. To cease threatening me with court and when a deaf person calls to accept the call and return calls when promise they will do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
Started a dispute XXXX of 2024 for the following creditors : XXXX XXXX Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: CONTRACT CALLERS INC
State: IL

Complaint narrative:
Started a dispute XXXX of 2024 for the following creditors : XXXX XXXX XXXX XXXX XXXX Contract Callers INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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. 

Convergent Account : XXXX # XXXX XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681. 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 instruction.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of info Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 


I did not give XXXX, Transunion, and XXXX written instructions on these accounts XXXX : # XXXXXXXX XXXX XXXXXXXX # 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 2024-10-01 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: OH

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. 

XXXX  Account : XXXX # XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

15 U.S.C 1681. 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 instruction.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of info Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 


I did not give XXXX, XXXX, and Equifax written instructions on these accounts XXXX : # XXXXXXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MO

Complaint narrative:
In XXXX of 2020 my account was charged {$19.00} buy XXXX and my account was closed due to that charge. I have called and tried to pay the {$19.00} fee repeatedly i have even reached out via email. And each time i was told no there was suspicious activity on my account. Since when is XXXX suspicious? And why cant i just oay the {$19.00} to reopen my account? Nit to mention i was fettingv direct seposite for months on my chine account.

Company response to consumer: Closed with explanation