vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2023 I entered into a settlement agreement with Barclays Bank Delaware through their attorneys XXXX and XXXX regarding a lawsuit they had filed against me regarding an alleged credit card debt. Shortly thereafter I made payment in the amount of {$1300.00} as specified in the stipulation of settlement. In early XXXX I became aware that Barclays was continuing to report the account as a charged off debt with an outstanding balance in direct violation of the settlement agreement and made multiple attempts to contact Barclays by phone and email receiving no response. I then contact the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and was informed of the following : XXXX. The Stipulation of SettlemenXXXX and Notice of Discontinuance provided to me by XXXX and XXXX had never been filed with the court and XXXX. The court had denied Barclays Motion for Default Judgement and Dismissed the initial complaint against me on XX/XX/2023. 

I believe that Barclays Bank and XXXX and XXXX fraudulently induced me to make payment on an account I was not legally responsible for, falsely represented the status of the lawsuit against me in negotiating a settlement of a case which had already been dismissed and knowingly reported false information to the credit 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 2023-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I have received XXXX phone calls in XXXX hours from this company. This is harassment, they even called me XXXX within XXXX minutes.

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 2023-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
Account Names : EXETER FINANCE LLC Regarding the account above XXXX, XXXX, and XXXX have violated my consumer rights. 
According to 18 USC 8, I do not owe any outstanding debt, and my consumer right to privacy has also been violated according to 15 USC 1681b ( 2 ). Furthermore, these consumer reporting agencies do not have permission to report anything without my written consent and by that, violate 15 USC 1681 ( 4 ). The stated consumer reporting agencies have failed to uphold the legal standard and have violated my rights as a consumer. I demand that XXXX, XXXX, and XXXX provide proof of my written consent to report. If such documentation can not be furnished, I demand that the accounts stated above be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX called me, not on a number listed on my card or the website, to let me know that my account was past due. I hadn't received any letters regarding this and let the representative who called me know that I was going to be making a payment on a specific date. When I went to make the payment, a few days later my credit report was updated with a late payment notification.This all occurred in XXXX and XXXX. 


I also asked for a late payment of discovery card to be removed as the same incident happened with them, again with noprevious history. They referred me to the credit card company who then referred me back to the credit reporting agency. It was just running in circles endlessly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX  closing date was set for XXXX XXXX XXXX XXXX XXXX we were informed that our Mortgage agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with The Huntington National Bank, failed to collect our VA inspection report. At last minute XXXX tried to get this report finalized. Due to her negligence we were unable to close, and XXXX was completely disorganized. Throughout the entire process XXXX changed numbers around to inaccurate amounts multiple times. We had to review all documents with a fine tooth comb because she kept adding additional hidden fees with every revision. The emotional and financial hardship this has put our family through is tremendous. We had no place to stay but inside of our moving truck. No home due to Huntingtons negligence, leading to our inability to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-19 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-19 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: DE

Complaint narrative:
I am writing to express my deep disappointment and frustration regarding the ongoing issue of fraudulent hard inquiries on my credit report. Despite my repeated attempts to resolve this matter, I have not seen any progress or positive results from your end. I urge you to understand the severity of this situation and the impact it has on my financial well-being. 


-- -- -TransUnion XXXX -- - XXXX XXXX XXXX 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
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: NC

Complaint narrative:
I am writing to file a formal complaint against L J Ross Associates Inc., located at XXXX XXXX XXXX XXXX XXXX XXXX, regarding a utilities collection account that I believe has been erroneously reported under my name. This complaint is filed due to the significant financial hardship and distress this situation has caused, including the denial of housing opportunities. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ Partial for security purposes ] Company : L J Ross Associates Inc .

Incident Description : I have recently become aware of a collection entry on my credit report from L J Ross Associates Inc. for a utilities debt. I dispute the validity of this debt and contend that this collection is either a mistake or a case of mistaken identity. The presence of this collection on my credit report has severely impacted my financial standing, leading to the denial of housing applications, which has in turn caused me considerable distress and hardship. 
Actions Taken : I have attempted to resolve this issue directly with L J Ross Associates Inc. but have not received a satisfactory response or resolution. 
I have not received any prior communication regarding this alleged debt before notifying it on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: GA

Complaint narrative:
The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI

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 2023-12-19 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: GA

Complaint narrative:
The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: GA

Complaint narrative:
The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI

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 2023-12-19 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:
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. 

Account name : XXXX 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 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 2023-12-19 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: CA

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. 

Account name : XXXX 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 2023-12-19 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: LA

Complaint narrative:
I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I demand your prompt attention to this matter. 

I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that the aforementioned items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.

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 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA
State: NY

Complaint narrative:
On XX/XX/2023 I entered into a settlement agreement with XXXXXXXX XXXX XXXX through their attorneys Tenaglia and Hunt regarding a lawsuit they had filed against me regarding an alleged credit card debt. Shortly thereafter I made payment in the amount of {$1300.00} as specified in the stipulation of settlement. In early XXXX I became aware that XXXX was continuing to report the account as a charged off debt with an outstanding balance in direct violation of the settlement agreement and made multiple attempts to contact XXXX by phone and email receiving no response. I then contact the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and was informed of the following : XXXX. The Stipulation of Settlement and Notice of Discontinuance provided to me by Tenaglia and Hunt had never been filed with the court and XXXX. The court had denied XXXX Motion for Default Judgement and Dismissed the initial complaint against me on XX/XX/2023. 

I believe that XXXX XXXX and Tenaglia and Hunt fraudulently induced me to make payment on an account I was not legally responsible for, falsely represented the status of the lawsuit against me in negotiating a settlement of a case which had already been dismissed and knowingly reported false information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Late payment removal on all accounts on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: WA

Complaint narrative:
I do not have exact dates. It's been about XXXX weeks. 
The company ( XXXX owned by Morgan Stanley ) has removed all access to my account. They have approximately {$2900.00} including my most recent Social Security Payment. This problem was triggered when I attempted to open a second account. They claim their validation procedure requires an image ( no scans ) of my SS card. The SSA itself questions the use of an SS card as validation. I have provided several documents including a passport, voter registration card, and WA driver 's license. The " validation team '' has refused to talk with me directly. I can contact no one at Etrade Bank that can fix this. 
I am currently in XXXX, and SSA can not provide a new card. Finding the original card is very unlikely. I have never had this kind of problem before. Usually re-validating an account is a simple issue. There is no rational reason for this requirement.

Company response to consumer: Closed with explanation