vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
I have inquiries from these institutions an I never authorized credit checks with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: TX

Complaint narrative:
IM NOT ASKING THAT YOU PUT A BLOCK ON MY REPORTS IM ASKING YOU TO REMOVE UNAUTHORIZED ACCOUNTS! ACCORDANCE WITH TITLE 15 6801 ( a ) b ) 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NON-PUBLIC PERSONAL INFORMATION. ACCORDANCE WITH TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS TO BE FURNISHED ON MY XXXX XXXX EXPERIAN REPORTS ACCORDANCE WITH 15 6802 a ( b ) 1ABC OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ACCORDANCE WITH 18 USC 894 TO CONSPIRE TO COME TOGETHER TO COMMIT A CRIME. I DIDNT SIGN ANY DISCLOSURE FORMS I U FEEL I DID PLEASE SEND DOCUMENTS WITH MY WET SIGNATURE I ASKING THAT THESE UNAUTHORIZE ACCTS BE DELETE AND NEVER REAPPEAR

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 2024-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NC

Complaint narrative:
I am late on a bill, and the payment is scheduled. However, I am receiving excessive phone calls from this company. Today I have received phone calls as follows : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  This is in addition to being emailed multiple times throughout the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: UT

Complaint narrative:
I purchased solar panels back in XXXX, Good leap is the company that financed the loan. The XXXX XXXX XXXX XXXX XXXX XXXX promised a lifetime warranty which is not being honored ( based on attached lawsuits I doubt it ever will ). Gooleap is allowing loans to be offered based with terms they clearly know are false. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I Disputed the collection amount as soon as I received the collection letter, in writing, and via an email that the collection agency provided in their collection letter, and I asked for supporting documents for the collection amount. They never responded back. 

However, the collection amount has already been reported by them in my credit report regardless of my in time dispute letter and dispute email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: CO

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 non-monetary relief
Consumer complaint received 2024-06-11 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: AZ

Complaint narrative:
The account was settled for deletion with a payment of {$410.00} on XX/XX/2024. I received a letter from XXXX XXXX on XX/XX/2024 that my account was settled and the balance is now {$0.00}. This is still being reflected as a collections account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
there are several different accounts that are not made by me they are still on my credit report i sent over the items two months ago and they are still there this is all apart of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is all fraud

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 2024-06-11 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:
On XX/XX/year>, I filed a dispute with Equifax about an account that too old to be listed on my credit report and requested deletion from my report. The resulting investigation returned as verified and an updated account balance. The account in question no longer appears on my reports from XXXX or XXXX, having aged out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: IL

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: CA

Complaint narrative:
On XX/XX/XXXX XXXX  open a credit builder account and begin reporting to all XXXX credit bureau. I was also able to connect experian credit monitoring within the XXXX  app. 

Around mid XX/XX/XXXX experian credit monitoring was disconnected from XXXX  and I was never able to reconnect it, then XXXX  credit reporting was removed from experian. That resulted in my credit score taking a nose dive back to XXXX XXXX I have been trying for months to resolve this manner and both parties XXXX and experian are pointing fingers. When I call XXXX  they say that they are accurately reporting to all XXXX bureaus and I can say that XXXX and XXXX is still being reported not Experian. 

The failure of experian to try to resolve this manner and I dont know what else to do. I am a single mom who is experiencing homelessness with a child that is XXXX and many the rental use Experian to run their reports. 

I have contacted experian on XXXX, XXXX, XX/XX/XXXX, XXXX to come to a resolution and so far nothing. I was giving a case # XXXX. 
I dont know what to do when both parties XXXX  and experian feels its not their issue and I am stuck in the middle trying to resolve the issue and cant seem to do so because merit parties want to accept responsibility and resolve the manner. 

XXXX  saying they ate reporting and experian says they are not reporting and when I asked them how is it that I saw it on my report and then its not on their. My only mistake was not capturing a screenshot of it. 

I have attached screenshots of what my XXXX score looked like when Experian was reporting and what it looks like since XXXX  builder been 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 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Subject : Follow-Up Report on Complaint to ConsumerFinance.gov # XXXX I am writing to follow up on my previous complaint submitted to ConsumerFinance.gov regarding stolen checks used to open a bank account with Ally Bank. I have contacted both Ally Bank and XXXX, but Ally Bank continues to deny receipt of the funds from the stolen checks, which I have attached for your reference. Despite submitting these documents to XXXX fraud team multiple times via email and text message, I have been ignored or dismissed on each occasion, with assurances that they will see what they can do. This issue has persisted since XX/XX/year>. 

During this period, I have verified my identity and gained access to the accounts associated with Ally Bank, but none of these accounts have a balance or match the account numbers on the back of the attached checks. It is incomprehensible how a bank could lose {$29000.00}, yet Ally Bank repeatedly claimed on at least five separate occasions, including two conference calls with XXXX, that they never received these funds and flagged them as suspicious. The stamps on the back of the drafts with account numbers and the removal of funds from my account contradict Ally 's claims. I have resubmitted proof of the removal of funds from the original account, which Ally Bank denies removing. 

In response to my original complaint, Ally Bank finally acknowledged that they did have my stolen funds all along. They have now returned the money, without any explanation for their previous misrepresentations. They stated that my funds had been placed in a non-interest-bearing account, where they remained for years. As a result, I have lost approximately {$12000.00} in interest. Furthermore, the restriction of my access to these funds caused significant hardship for my family. My husband tragically died in a bicycle accident while commuting to work because I was unable to repair our car due to the unavailability of these funds. 

Ally Banks mishandling of my stolen funds and their continuous denial of possession prevented me from supporting my family during a critical time. The impact of their actions has been catastrophic, and they must be held accountable for the severe consequences that ensued. 

I request that this follow-up report be added to my original complaint, and I seek further investigation and resolution of this matter. Ally Bank 's conduct has caused irreparable harm, and they should be held responsible for the financial and personal damage inflicted on my family. 

Thank you for your attention to this serious 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 2024-06-11 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: NC

Complaint narrative:
I am writing to dispute the following information in my file. The account/public record Im disputing is as follows : XXXX / XXXX As I have told you previously, and as well as in the dispute, this account has serious discrepancies and is inaccurate. I dispute the issues with the payment history including ( 1 ) the number of past due payments for each of these accounts varies across your files in previous years as well as all other credit bureaus. ( 2 ) the dates of the past due payments for each of these accounts vary across your files in previous years as well as all other credit bureaus. ( 3 ) the number of derogatory days ( status codes ) for each of these accounts varies across your files in previous years as well as all other credit bureaus. ( 4 ) A Charge Off ( CO ) cant be used/counted as a late payment. 

When I disputed this account, XXXX XXXX XXXX showed XXXX past due payments with dates and status of ( XXXX 30 days ; XX/XX/XXXX 30 days ; XX/XX/XXXX 60 days ; XX/XX/XXXX 90 days ; XX/XX/XXXX 120 days ; XXXX ND days ; XXXX ND days ; XXXX ND days ; XXXX ND days ; XXXX CO days ). The fact that Charge Offs ( CO ) is used to determine as a late payment, it is illegal ( they cant be counted ). The payment history for this account shows no late payments, nor payment history listed on XXXX after disputing the same information. All credit bureaus payment history should be identical for the account, which it isnt. 

It was only after I disputed this information and ask for it to be removed from my file, did you allow the company to update the information with new payment history, late payments, the dates of late payments vary again along with new status codes now ranging from " CO '' days. This account was reported XXXX XXXX ( CO ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX making it appear that this just happened, but the actual date was XX/XX/XXXX and it was done purposely. This company changed a crucial part of my payment history to look as though this account just closed even though it was over 4 years ago. This is a blatant re-aging process which your company continues to allow. Enclosed is documentation supporting my request : my credit reports from all credit bureaus, with the disputed items both circled and highlighted. You will find previous copies of your credit files showing the payment histories, including number of late payments, dates of late payments, status codes of late payments. All of these are still inaccurate as they were before for the reasons listed above. It shows you have allowed the company to shift the payment history around along with dates, as well as derogatory ( status ) codes.

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 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been a loyal customer of Capital One for an extensive period, diligently ensuring that my payments are made on time and even exceeding the minimum required amount. However, in XXXX, I encountered an unforeseen issue when a payment I submitted was returned due to a shortage in funds caused by my mortgage company charging my mortgage. To rectify the situation, I promptly made a second payment of {$700.00}. Surprisingly, Capital One did not attempt to withdraw this payment from my checking account. Perplexed, I logged into my account after two days and, realizing that the payment was not processed, I decided to submit an additional {$500.00} payment. Unfortunately, the same issue persisted three times consecutively.

Frustrated by the lack of progress, I contacted Capital One and was fortunate enough to speak with a supervisor who agreed to conference call XXXX XXXX, my banking institution. During the call, XXXX XXXX confirmed that Capital One had indeed failed to initiate the payment attempts following the incident in XXXX. This failure occurred on three separate occasions. After making a second call to seek resolution, an agent informed me that I could make a payment over the phone without incurring any charges. However, I opted to make the payment through the app, as I had verified that I had sufficient funds in my account. The agent assured me that the payment would be reflected by the following day, and we concluded the call. 

The next morning, I logged into my Capital One account to ensure that everything was in order, only to discover that my account had been closed due to the aforementioned situation. This outcome is entirely unacceptable, considering that Capital One was at fault, not me. 

I maintained a flawless payment history with Capital One, yet their system experienced a glitch that resulted in the failure to request payments. Furthermore, during one instance, I had Capital One on the line while we contacted XXXX XXXX, who confirmed that no attempts were made to retrieve the payment. 

It is disheartening that Capital One chose to close my account without attempting to resolve the issue, especially considering my long-standing record of timely payments. Even with my account closed, they continue to accumulate debt, which is entirely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: NY

Complaint narrative:
I did not authorize these inquiries and I know that they are a result of identity theft. I am requesting that these inquiries be investigated and removed from my credit report as soon as possible. To support my identity theft dispute, I have placed the following documents inside my dispute : A copy of my driver 's license and my ssn card. And copy of my identity theft report number ( XXXX ). Please confirm in writing that these unauthorized inquiries have been removed from my credit report. I also request that you provide me with a free copy of my updated credit report when the disputed items have been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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:
See all letters I have attached

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