vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: GA

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 XXXX FTC and my Attorney General.

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 2024-01-30 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:
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 XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I looked at my report and on XX/XX/year> I sent a letter to e Equifax to reinvestigate my accounts. 

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 : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: CA

Complaint narrative:
In XX/XX/2023, I received an update that my credit score had dramatically decreased. It appears that although I updated my loan Autopay information with Audi for my auto loan, it did not properly register and failed to debit my bank account for my loan payment. I believe that this was not user error and was due to shoddy maintenance of the XXXXAudi website, which is the only way to access financial information regarding my account. When trying to double check that I did not have any outstanding payments and double check that my Autopay information was properly updated, I attempted to access the XXXXAudi website but was unable to do so due to additional website errors. I did not receive any notice of the failure to pay via a usable means of communication until the missed payment was reported to the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-01-30 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: AL

Complaint narrative:
There are several accounts that need to be deleted off my account that are reported incorrectly and have the wrong information. 

15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer ( a ) IN GENERAL, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency my WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

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 2024-01-30 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: AL

Complaint narrative:
There are several accounts that need to be deleted off my account that are reported incorrectly and have the wrong information. 

15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer ( a ) IN GENERAL, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency my WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: CA

Complaint narrative:
In XX/XX/2023, I received an update that my credit score had dramatically decreased. It appears that although I updated my loan Autopay information with XXXX for my auto loan, it did not properly register and failed to debit my bank account for my loan payment. I believe that this was not user error and was due to shoddy maintenance of the XXXX website, which is the only way to access financial information regarding my account. When trying to double check that I did not have any outstanding payments and double check that my Autopay information was properly updated, I attempted to access the XXXX website but was unable to do so due to additional website errors. I did not receive any notice of the failure to pay via a usable means of communication until the missed payment was reported to the credit reporting bureaus.

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 2024-01-30 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: CA

Complaint narrative:
In XX/XX/2023, I received an update that my credit score had dramatically decreased. It appears that although I updated my loan Autopay information with XXXX for my auto loan, it did not properly register and failed to debit my bank account for my loan payment. I believe that this was not user error and was due to shoddy maintenance of the XXXX website, which is the only way to access financial information regarding my account. When trying to double check that I did not have any outstanding payments and double check that my Autopay information was properly updated, I attempted to access the XXXX website but was unable to do so due to additional website errors. I did not receive any notice of the failure to pay via a usable means of communication until the missed payment was reported to the credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: CA

Complaint narrative:
In XX/XX/2023, I received an update that my credit score had dramatically decreased. It appears that although I updated my loan Autopay information with XXXX for my auto loan, it did not properly register and failed to debit my bank account for my loan payment. I believe that this was not user error and was due to shoddy maintenance of the XXXX website, which is the only way to access financial information regarding my account. When trying to double check that I did not have any outstanding payments and double check that my Autopay information was properly updated, I attempted to access the XXXX website but was unable to do so due to additional website errors. I did not receive any notice of the failure to pay via a usable means of communication until the missed payment was reported to the credit reporting bureaus.

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 2024-01-30 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: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
While checking my credit report I noticed some unauthorized and unverified hard inquiries and late payments on my XXXX, XXXX and XXXX credit report, I have tried to dispute them but was asked to provide an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: NC

Complaint narrative:
I respectfully request your assistance in resolving an error on my TransUnion credit report. A loan appears under my name that I never obtained. Trans Union is attributing this delinquent loan to me and I would like it removed. I never took out this loan that Trans union claims I opened an account for on XX/XX/2022 which was closed on XX/XX/2022 for the amount of {$190.00} with an ending balance of {$280.00} for SALARIES AND EXPENSES. It is showing a partial account number of XXXX for an Individual Account. I never sought a loan, I never signed for a loan, I never agreed to a loan, I never agreed to repay a loan. I never opened or closed this supposed account. I have asked Trans Union to provide proof that I took this loan out. They have not provided the proof, yet they have not removed this erroneous information. How can I get them to remove this information that is not accurate? ( You can publish this. I do not think anyone will be able to identify me from this )

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 2024-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year> I mailed a letter asking for verification of the debt because I do not know this account. After waiting over 30 business days for a response, they have failed to provide proof that the debt belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear CREDITWISE Dispute Team, Hi Capital One, this is XXXX XXXX and my friend which is my financial advisor XXXX XXXX from CapONE suggested I contact you regarding an Account Review Inquiries or disputed item on my credit report. I as a federally protected consumer would like the Account Review Inquiries to be removed and they are not authorized one inquiry mentioned that I did a consumer request. I did not do any request for any services at Capital ONE credit monitoring services through CREDITWISE. My issue and a mistake is unauthorized inquiries on my report.

I would list the Account Review Inquiries from CREDITWISE. CREDITWISE are Capital One inquiries. 

The Account Review Inquiries are : XXXX XXXX via CREDITWISE CAPITAL1 XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX CAPITAL XXXX XX/XX/XXXX XXXX Account Review Inquiries totaled. 
I also going to send you two XXXX credit reports so you can see them. They are highlighted in YELLOW coloring. I have reported this issue since XXXX of last year. 
FTC # XXXX XXXX XXXX File # XXXX Dates Issued XX/XX/XXXX - XX/XX/XXXX XXXX XXXX Code 1681i along with Fair Credit Reporting Act ( FCRA ) I as the consumer I am requesting you to investigate this dispute and make necessary deletions in my credit file. The FCRA also requires Capital One to provide me a written notice of any action taken within five business days after completing its investigation. 


This is XXXX XXXX XXXX signing off Sincerely, Clients name : XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
XX/XX/XXXXXXXX   I opened an ANN TAYLOR Credit card and paid the first bill in full sending a check for {$580.00} on XX/XX/XXXX. It was due XX/XX/XXXX. It was debited from my checking account ton XX/XX/XXXX. 

I was charged a {$30.00} late fee. For some reason I do not have a record or recollection of receiving that invoice the following month. Subsequently in XXXX I was charged a second late fee of {$30.00}. I called customer service at the time and also spoke to a supervisor. I was told the best they could do by policy was to cancel one of the late fees and I had to pay the second {$30.00}. I was not happy about this and sent an email to customer service. However, I sent a check for {$30.00} on XXXX which was received and debited from my account on XX/XX/XXXX. 

In XXXX I received a statement for XXXX that there had been a balance that carried over. I called a customer service representative who told me that late fees escalate between $ XXXX {$41.00} and a fee of {$40.00} leaving a {$10.00} balance not paid. I was then charged another late fee of {$40.00}. This statement now shows a forwarded balance of {$61.00} ( not clear to me where that came from ), a new fee of {$40.00} and a balance of {$71.00}. 

I am being forced to pay these fees to stop this escalation. I do not believe it is the intent of these policies to punish customers like me yet, there seemed to be no one who had the authority to make decision specific to this case. I was forced to pay a balance of {$71.00} ( on a bill that was paid in full in XXXX ). 

I am requesting this be reviewed at a higher level and a refund of the {$71.00}. 
At my request my account was closed in XX/XX/XXXX. 

I sent correspondence to Comenity Bank requesting cancellation or refunding of this balance. 

XXXX XXXX XXXX XXXX, OH XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 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: MD

Complaint narrative:
While checking my credit report I noticed some unauthorized and unverified hard inquiries and late payments on my XXXX, TransUnion and XXXX credit report, I have tried to dispute them but was asked to provide an FTC 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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
While checking my credit report I noticed some unauthorized and unverified hard inquiries and late payments on my Experian, XXXX and XXXX credit report, I have tried to dispute them but was asked to provide an FTC 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