vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 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: CA

Complaint narrative:
There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to 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.

I'm using my right to object to these erroneous and non-compliant things as a result. You will only demonstrate your lack of concern for my rights as a customer if you ignore my requests. Reporting information that hasn't been verified as ethical and compliant with recognized reporting standards isn't fair. Once more, I contest these assertions and want documentation of the appropriate reporting guidelines.

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 XXXXXXXX XXXX Late Payment {$2200.00} XXXX XXXX Late Payment {$510.00} XXXX XXXX Late Payment {$1700.00} XXXX XXXX Late Payment {$630.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$6200.00} XXXX XXXXXXXX Late Payment {$810.00} XXXX XXXX XXXXXXXX Charge-off {$320.00} XXXX XXXX XXXX Charge-off {$1700.00} XXXX XXXXXXXX Charge-off {$0.00}

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 explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Credit Karma, LLC
State: IL

Complaint narrative:
I was sent an unsolicited card from credit karma. I called multiple times and have emailed multiple times. I want to know 1 ) if they sent me an unsolicited credit card and 2 ) if not, what information was required to open the account, when it was opened and what method was used to open it ( call, online app, etc ). They continue to request my social security number in order to offer me answers. I feel they should provide me with the non-identifying information I have requested about the account the opened under my name. They will not respond to any questions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24 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: FL

Complaint narrative:
I submitted all information regarding collection accounts and inquired as to why this is now a charge-off. Additionally, fraudulent collections through XXXX XXXX, which I have never used, and XXXX again, never used. This has negatively affected my credit and now have been denied access to my credit.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2023-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Climb Credit Inc.
State: CA

Complaint narrative:
I lost my job in XXXX XXXX  in XX/XX/2023. Anything that has been saved up was spent on rent, car, insurance, and all other bills including my XXXX loan. I have been in contact with XXXX on the phone and Climb Investo through email and they only offered me a total of 6 months at a lower rate to delay the inevitable. When I asked for more help they told me if I can not make the payments then I WILL HAVE TO LET THE LOAN DEFAULT!! This gives lots of credibility to those who believe XXXX is trying to destroy people 's credit as they also listed on their website that even bankruptcy may not help you from their loans! Now I still have no stable income and my minimum payment to XXXX is {$1000.00} a month. I have also reached out to my school at the time, XXXX, for help all the way back in XXXX. They said they would file a case but have not given any progress updates since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I registered for auto-debit for payment of my loans in XX/XX/2023. I received correspondence from Nelnet that confirmed I was placed on an auto-debit plan and that it would start after XX/XX/2023. My first payment due on my loans under the SAVE repayment plan was XX/XX/2023 for {$160.00}. On Monday, XX/XX/2023, my account indicated that it was " past due '' and there was no record of the pending auto-debit in my account. So, I paid my {$160.00} loan payment on XX/XX/2023 through the web. Now, in my checking account, I see two payments for my loan payments, indicating that the original auto-debit must have gone through. I'd like this to be resolved quickly and frankly, for Nelnet to get their XXXX together. I understand if they are understaffed at the moment but they knew repayment was on the horizon and had 3 years to figure this out. Now, I've paid them extra money, who knows what they will do with the extra money ( probably keep it towards interest, even though under the SAVE plan if I pay the required payment the remaining uncovered interest is supposed to be forgiven ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: TX

Complaint narrative:
I am natural person. I am a living human being.I HAVE rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous of times. I demand the following accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 
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 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 2023-10-24 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: GA

Complaint narrative:
I am writing to dispute an entry on my credit report pertaining to a credit card account that has been both paid off and closed for over a year. The account in question is with XXXX XXXX, and I request your immediate attention to rectify this matter. 

The credit card account was successfully paid off and officially closed XX/XX/2022. I have diligently met all my financial obligations, and the account in question should no longer be reflected on my credit report. I have enclosed proof of payment and the closure confirmation from XXXX XXXX for your reference. 

Despite the closure and payment, I recently discovered that the account is still appearing on my credit report, negatively impacting my credit score. This is not only inaccurate but also unjust, given that I fulfilled all obligations and closed the account as per the terms agreed upon. 

I kindly urge you to conduct a swift and thorough investigation into this matter, ensuring the accurate reflection of my credit history. The continued presence of this account is causing undue stress and affecting my financial standing adversely. 

I have attached all relevant documentation supporting my claim and kindly request your immediate attention to this matter. Your assistance in expeditiously removing this inaccurate entry from my credit report is greatly appreciated. 

Thank you for your prompt action in resolving this 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 non-monetary relief
Consumer complaint received 2023-10-24 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: GA

Complaint narrative:
I am writing to dispute an entry on my credit report pertaining to a credit card account that has been both paid off and closed for over a year. The account in question is with XXXX XXXX, and I request your immediate attention to rectify this matter. 

The credit card account was successfully paid off and officially closed XX/XX/2022. I have diligently met all my financial obligations, and the account in question should no longer be reflected on my credit report. I have enclosed proof of payment and the closure confirmation from XXXX XXXX for your reference. 

Despite the closure and payment, I recently discovered that the account is still appearing on my credit report, negatively impacting my credit score. This is not only inaccurate but also unjust, given that I fulfilled all obligations and closed the account as per the terms agreed upon. 

I kindly urge you to conduct a swift and thorough investigation into this matter, ensuring the accurate reflection of my credit history. The continued presence of this account is causing undue stress and affecting my financial standing adversely. 

I have attached all relevant documentation supporting my claim and kindly request your immediate attention to this matter. Your assistance in expeditiously removing this inaccurate entry from my credit report is greatly appreciated. 

Thank you for your prompt action in resolving this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: S.B.S. Trust Deed Network
State: CA

Complaint narrative:
On XX/XX/2023 I had tried to get into my account to pay for my Hoa dues for XXXX XXXX XXXX XXXX XXXX and was not able to. I reached out to them and asked why. I was told that it was frozen due to payments owed. Previously I had spoken to my hoa company XXXX XXXX XXXX XXXX XXXX and told them about my situuation due to covid restrictions dealing with employment and a divorce and previously before that, they stated that they would work with me. XXXX XXXX XXXX had given my account over to Sbs lien company and was demanding that I pay the full amount. I was trying to do a payment plan but it was to high so I was trying to work things out with the homeowners association and sbs lien company ( XXXX XXXX ). On XX/XX/XXXX XXXX I gave ( wired transfered ) XXXX which they received and on XX/XX/2023 I sent an additional XXXX which totals XXXX which is the full amount due with everything included. I asked Sbs lien company for their ledgers of the total amount due before and this was the total amount due. Now that I have paid everything sbs lien company says I owe more. They have been tacking on fees and other things. Please help. 

SIncerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc.
State: NY

Complaint narrative:
I submitted a dispute against XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX ; was told that once I did so the vendor had 14 days to respond. I was also told to wait An additional 7 days before inquiring the decision. a total of 21 days ; I called and spoke with XXXX and she tried to reach the dispute dpt but to no avail. I also called the disputes Dept right after ; No one answered but I left a very detailed message. Waited till Friday ( 48hrs later ) never got a return call; left another msg. Called again today Tuesday XX/XX/XXXX. It's been nearly 30 days and I have no update. No one answers the phone or returns messages. I have be given no correspondence. This is greatly affecting my credit score and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello in XX/XX/XXXX at around XXXX XXXX, I stopped and used the drive through atm with US Bank at their branch location on XXXX XXXX here in XXXX, CA to deposit {$30.00} for an upcoming bill. The machine malfunctioned and kept my {$30.00} without depositing it. The receipt that printed says an error has occurred and it was not able to deposit the items or return them. 

I called the customer service number when I got to work and was told they could not contact the branch and it could take up to 10 business days for a credit and up to 45 days to resolve this. I called the branch on my break and after 7 times, someone finally answered. I explained what happened, asked them to balance the atm and I was told no. That I have to call their customer service number. I called again today XX/XX/XXXX and still no provisional credit. 

I have been in banking for 12 years and when I was a teller on the front line, when a depositor had an issue with the atm like this, we took care of it that day. As a depositor I put my faith in this financial institution to handle a deposit without issue. I trust that if I deposit money to pay a bill, that money will be available to me. Absurd to tell a depositor they have to wait 10 business days for a provisional credit. Creditors dont take excuses for payment. They are playing a dangerous game with peoples money that you need to be aware of.

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 2023-10-24 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: NY

Complaint narrative:
I Sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Also, Ive sent in numerous letters to have the bureaus fix this error, which they have failed to do. On. 

( List the accounts Accounts ) Type of Account : Collections Collection Account : XXXX Account Number : XXXX Type of Account : Collections Collection Account : XXXX XXXX XXXX XXXX Account Number : 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 2023-10-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I have tried to contact Cavalry portfolio services on several occasions in regards to a collections debt that is mistakenly on my credit report, they have not and will not send me a copy of the original debt to even determine if it is mine nor when it happened or what it is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On both XX/XX/2023, and XX/XX/2023, I applied for a credit card with Capital One. However, to my surprise, I discovered that these applications resulted in hard inquiries on my credit report. Unfortunately, during the application process, there was no clear information provided that these applications would have a direct impact on my credit score through hard inquiries. 

Understanding that credit inquiries are a standard part of the application process, I believe it is essential for customers to be adequately informed about the potential consequences, especially when they involve hard inquiries that can affect credit scores. Regrettably, I did not receive sufficient information about this impact during the application process. 

I kindly request that you review my account and take the necessary steps to remove the hard inquiries associated with the aforementioned credit card applications from my credit report. Having accurate and transparent information about the impact of such inquiries is crucial for consumers, and I believe this adjustment is necessary to ensure fairness and transparency in the credit application process. 

If there are any further details or steps required from my end to facilitate this request, please let me know. I appreciate your prompt attention to this matter and look forward to a timely resolution. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation