vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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.

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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.

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 2023-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
1. I requested a couple off things and sent in a Payment coupon.

Because i didn't get any confirmation of received or accepted, i call in a recorded line with a person/employed of toyota. i ask if had received my documents i sent. I said i had sent a payment coupon for the total remaining balance / pay off / payment in full. I ask if he understood a payment coupon he said yes. I ask i was checking to make Sure i fill it out properly, I didn't sing it, i did put some ucc codes in and wrote the amount. 


2. toyota also updated their website and in the process took peoples or persons ' AutoPay out including mine. The Bank accounts ' numbers to witch the payment get pull from. imagine if i took off for 3 months ' for the holidays starting XXXXXXXX XXXX XXXX XXXX. and not pay attention to any emails or text because you now i have it all on AUTOPAY rite. not if it was obstruct. witch will create a lot of problems. to which toyota would be liable. To be a breach of contract

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
For many years I have used American Express Gift Cards for online shopping. Recently these cards have been declined by multiple merchants ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ). Over the past two days I tried to purchase XXXXXXXX XXXX XXXX XXXXXXXX from multiple merchants and a card with a {$350.00} balance, and another card with a {$2000.00} balance were both declined. I call Amex Customer Support and was told that the cards were declined for " security reasons '' and I should try another merchant. These cards are basically worthless. The Amex web site states " They can be used virtually anywhere American Express is accepted. This is false advertising, possibly consumer fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My information was included in XXXX XXXX data breaches. XXXX removed my military service information in the United States XXXX from my credit report. They are not reporting correct information. I have filed several CFPB ( XXXX. XXXX with supporting documentation ) report regarding my address. 

Also, TransUnion added an old address to my credit report, yesterday without my consent. 

Re : XXXX, Metro 2, E-Oscar and Regulatory Compliance : My credit report must be accurate because it has an impact on my livelihood. 

I have had to relocate frequently due to an ongoing threat posed by an extensive network enterprise of extremist individuals who are associated with multiple organizations. They have been engaged in a campaign of terrorism and criminal harassment directed towards my household, which includes activities such as HIPAA violations and violations of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act. As a military veteran, I value my privacy and do not wish to be bothered. However, for years, multiple groups with their own political and religious ideologies, as well as corrupt corporations, have been bothering me both online and at my residence. Their deliberate actions have disturbed the peace of not only myself but also my children. I want to emphasize that I do not want to be involved in any unnecessary drama. I simply want to live my life peacefully, and I want my children to enjoy the remaining years of their childhood without any interference. It is disheartening and appalling to witness how selfish individuals believe they are entitled to abuse the system and ruin the lives of others. Such behavior is unequivocally wrong and should not be tolerated. 

Make sure my contact information is correct on my Veteran Credit Reports and only allow senior executives to access and make changes to 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 2023-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.

Complaint narrative:
I possess a XXXX XXXX account along with an associated ATM card. Unfortunately, the card expired in 2021, and I never completed the registration process for online access. It wouldn't go through. Additionally, I have permanently relocated from the U.S. 

My primary aim is to restore access to my savings account. Despite multiple attempts, my calls to customer service have resulted in receiving a singular instruction : to correspond via mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Regrettably, my written inquiries have gone unanswered for several months. 

I am earnestly seeking direct contact with specific personnel who can assist me in reestablishing access to my account. Rather than continuing to send letters with no response, I am hopeful that a more direct connection can be facilitated. 

Your assistance in this matter would be greatly appreciated. Thank you in advance for your help.

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 2023-12-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My floor and decor credit card with comenity capital bank has been closed. They are still charging me a minimum interest charge of {$2.00} and late fees. I do not know how they can charge me this when the account is closed. It is also reporting to my credit even though the balance was paid in full and the account closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
See the following bank transaction, XX/XX/XXXX Payment to Santander Consumer Usa - {$1000.00} - {$580.00} Santander Bank of which I have no banking relationship with withdrew {$1000.00} from my bank account at XXXX account routing number XXXX account number XXXX. 

I called Santander Bank on XX/XX/XXXX, and spoke to :, Santander Bank XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No information on XXXX XXXX XXXX XXXX confirmed Santander Bank has no information on XXXX XXXX As such I have no account number or address to access at Santander I am now - {$580.00} inn my checking account and can not pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN refuses to accept dispute letters sent in the mail repeatedly regarding 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 2023-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: YSA ARM LLC DBA Oxygen XL
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX sent me several notices regarding {$85.00} unpaid parking tickets. They are a private company who say they can charge for parking at downtown parking areas. There is no clear signage that these areas charge for parking nor any indication that the spaces are not free parking spaces. They then send {$85.00} parking tickets and demand if not paid, they will turn you over to a collection agency and report to credit bureaus. I tried numerous times to contact the company and you can't get in touch with anyone via phone, email or mail. The phone calls are never returned and the emails have automated responses. This is a complete scam. I then received a letter from Oxygen XL debt collector threatening to " use any information '' to help collect the debt.

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I purchased a vehicle from gm financial hit hard times and returned it..never once have i been late now they are reporting us as late because the dealership decided to ground the vehicle late and are telling us they can't do anything for 60 days.. we have submitted proof that we returned the vehicle before it being late they stated they have it. Not only this impacted my credit score but hurts my credit assistance when applying for credit. Gmfinancial should be held responsible if the 30day late payment is not removed immediately I will pursue legal damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have sent a dispute letter on XX/XX/2023 to Experian and it has been more than 30 days and I have not received any response from Experian via mail. This is an FCRA violation. I even sent the letter with an Identification affidavit for my identity verification with no response. It has been more than 30 days and I have yet to receive a response from Experian. This is an FCRA violation, and the account must be removed.

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 2023-12-10 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: IN

Complaint narrative:
I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didn't authorize. Additional inquiries, XXXX XXXX XXXX, XXXX, XXXX, XXXX dated XX/XX/2022. In accordance with the Fair Credit Reporting Act XXXX Account ( XXXX Transunion, XXXX ) has violated my rights. 15U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.SC 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please have inquires removed from my credit file because it is making it very difficult for me to acquire credit. Thanking you in advance.

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 2023-12-10 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: IN

Complaint narrative:
I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didn't authorize. Additional inquiries, XXXX XXXX XXXX, XXXX, XXXX, XXXX dated XX/XX/2022. In accordance with the Fair Credit Reporting Act XXXX Account ( Experian XXXX, XXXX ) has violated my rights. 15U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.SC 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please have inquires removed from my credit file because it is making it very difficult for me to acquire credit. Thanking you in advance.

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 2023-12-10 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: GA

Complaint narrative:
I am writing to exercise my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and hereby request to opt out of any and all authorization for inquiries on my credit report, except those that fall under permissible purposes as defined by the FCRA. 
According to the FCRA, permissible purposes include specific categories for which entities can access and use consumer credit information. However, I am revoking any consent that may have allowed you or any authorized entities to access my credit report for purposes other than those permissible under the FCRA. 

For the following inquiries : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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