vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: 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.

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 explanation
Consumer complaint received 2024-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Formal Dispute Regarding Late Payments on Account # XXXX Dear CFPB, I am reaching out to dispute inaccuracies in my credit report related to the XXXX XXXX account ( Account # XXXX ). Late payments for XXXX, XXXX, and XX/XX/year> are reported inaccurately. According to my payment history, these payments were made on time. 
Details of the Account : High Balance : {$2900.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 90 Days Supporting Evidence : Attached are documents showing on-time payments for the disputed months. 
I have also provided a highlighted credit report showing the inconsistencies. 
Pursuant to the FCRA, 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), credit reporting agencies are required to maintain accurate and verifiable information. I request that you : Reinvestigate this account thoroughly.

Provide a detailed description of the procedures followed in your investigation.

If the late payments can not be substantiated, I insist that the account be updated to " Paid As Agreed Never Late. '' Thank you for your attention to this urgent matter. Please provide your response within the timeframe specified by the FCRA. 
Sincerely, 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 2024-12-09 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-09 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: GA

Complaint narrative:
XX/XX/year> Experian XXXX XXXX XXXX XXXX Tx XXXX RE : Dispute of Inaccurate Collection Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I noticed that a collection account is being reported each month, and it states as collection even though this information is inaccurate. 

I am requesting the following : An immediate investigation into the reported collection account. 
Proof/documentation of this debt, including validation of the accuracy of its reporting. 
Deletion of this collection entry from my credit report if it can not be proven accurate. 
Please note : I do not wish for this verification to be processed through E-Oscar. I expect this dispute to be handled manually, as provided by law under the FCRA guidelines. 

Additionally, as previously requested by your office, I have already sent two forms of identification to confirm my identity. These documents were sent in response to your request and should already be in your possession. If additional documentation is required beyond what has already been provided, please let me know directly. 

For clarity, please direct this request to the person and department handling this dispute and provide me the direct contact information to follow up if necessary. 

Should you fail to investigate this dispute thoroughly or respond within the time frame established by FCRA ( 30 days ), I will escalate this issue by seeking legal recourse to ensure my rights are upheld under the law. 

Please send all correspondence related to this investigation to the address provided above. 

Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Lending Services LLC
State: OH

Complaint narrative:
Called XXXX XXXX Services due to excessive phone calls for auto loan placed calls are more than XXXX per day. Advised the account XXXX to remove any phone numbers not associated with the person. The only number should be contacted is XXXX. All other number on file are no longer valid. Received XXXX more calls to different numbers listed as a referral contact that is not associated with signing the loan. Debt collection should not be placed to the referral phone numbers ( phone numbers were used to obtain and secure the loan not for debt collection purposes ). Escalations XXXX refused to place a Cease and Desist on all referral numbers per the borrower 's request and advised the best and only contact number should be on file as XXXX, escalations XXXX still refused and had advised the referrals to call the company directly ( referrals not approved for the loan ) to have phone removed from the borrower 's profile. Remove phone XXXX & XXXX and any number not listed under borrower 's name ; denied by company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have not applied for a vehicle. I look at vehicles online just looking and the dealership automatically finds my name and then runs my credit report and they dont run it to one place. They run it to 20 or 30 places so I have like 90 hard inquiries on my XXXX XXXX, XXXX, and Equifax credit reports of lenders from dealerships that are just running my credit rampantly and irresponsibly. They dont never take anything off it stays on there. Ive got 90 inquiries from far back nothing ever goes away and theres different credit reports that show different information and like it doesnt ever go away like I have one on there from XXXX  on that was way back in XXXX. They said they get to leave it on there until XXXX you know and the Dealerships are the ones I really wan na get off of there because 90 inquiries makes me look irresponsible and I never did that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have not applied for a vehicle. I look at vehicles online just looking and the dealership automatically finds my name and then runs my credit report and they dont run it to one place. They run it to 20 or 30 places so I have like 90 hard inquiries on my XXXX XXXX, Experian, and XXXX credit reports of lenders from dealerships that are just running my credit rampantly and irresponsibly. They dont never take anything off it stays on there. Ive got 90 inquiries from far back nothing ever goes away and theres different credit reports that show different information and like it doesnt ever go away like I have one on there from snap on that was way back in XXXX. They said they get to leave it on there until XXXX you know and the Dealerships are the ones I really wan na get off of there because 90 inquiries makes me look irresponsible and I never did that.

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 2024-12-09 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:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XXXX I called Ally Auto ACI pymnt system and pd last 2 pymnts. I was directed to XXXX XXXX XXXX and spoke to several reps who advised me to pay {$58.00} ( rounded ) + {$4.00} fee. This would clear my pd in full obligation. The late fees {$1500.00} would be waived by request. I did so on XXXX  and was given ticket # XXXX. I was told the waiver process takes 1-3 days. After that time I called back and have been given the run around to present. The late fees are an internal mechinism of discrimination impacting me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: National Credit Systems,Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX NATIONAL CREDIT SYSTEMS To Whom It May Concern : Notice for validation of debts. 
Pursuant 12 CFR 1006.34 This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34 Your Truly XXXX XXXX ( All Rights reserved )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
According to FCRA Section 605B, it is illegal to report anything on my credit report without my permission. I demand a copy of the original signature of the original contract that I have with you for the amount that you are claiming that I owe. I have never signed a contract with you. Please remove your invalid collection claim that you are trying to collect from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 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 an 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. Accounts need to be removed from 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 2024-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a victim of identity theft, someone has used my personal information fraudulently to open accounts using my social security and my identification. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Item resulting from the identity theft that should be blocked. Here is the name and the amount they claim I owe them. This information does not relate to any transaction I have made : JPMCB CARD Acct # : XXXX Balance : {$81000.00} According to what the FRCA says the credit bureau and the creditor have 4 business days to block and remove this from my credit report. Please block and remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act ( 15 USC s 1681c-2 ) ( a ) Which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Macys credit card, decreased in credit line after approval and payments were met. Macy 's credit Denial to disclose any information of decreased yet keeps hitting my credit for denial. Causing my utilization rate to become higher than what I was qualified for. Also not given the points in which I earned. 
I requested information regarding my credit decreased and was denied. 
I Call multiple times for assistance and was still denied any reference number and refuse to open the case on my behalf. 
I would like to put out a grievance on Macy 's credit card for fraud waste and abuse on this company, and requested to have card close in any of my personal information sent to me as requested.

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 2024-12-09 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: FL

Complaint narrative:
Formal Complaint Willful Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) Regarding False Reporting of XXXX XXXX  Account # XXXX I am submitting this complaint regarding the false and willful reporting of a XXXX XXXX  account ( # XXXX ) on my credit report by [ insert the credit bureaus in question, e.g., XXXX, XXXX, and TransUnion ]. The account in question is completely inaccurate and baseless, as I have no existing child support case or obligation. The reporting of this account not only damages my credit standing but also directly violates the Fair Credit Reporting Act ( FCRA ), specifically under sections related to the duty to report accurate information and conduct reasonable investigations. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information on consumer reports. By allowing this erroneous account to appear on my report, the credit bureaus have failed in this statutory obligation. Furthermore, their failure to remove this account after I previously disputed it indicates a lack of reasonable reinvestigation under 15 U.S.C. 1681i ( a ).

Additionally, the willful and reckless nature of this reporting constitutes a violation of 15 U.S.C. 1681n, exposing the credit bureaus to liability for damages, statutory fines, and attorneys fees. The reporting of this account also creates unwarranted financial harm, as it misrepresents my creditworthiness and undermines my ability to access credit, housing, and other necessities.

I am requesting the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their blatant disregard of federal law. Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. 
The credit bureaus provide documentation of their procedures and investigations into this account as required under the FCRA. 
The CFPB impose appropriate penalties on the credit bureaus for their willful noncompliance with the law.

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 2024-12-09 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: FL

Complaint narrative:
Formal Complaint Willful Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) Regarding False Reporting of XXXX XXXX  Account # XXXX I am submitting this complaint regarding the false and willful reporting of a XXXX XXXX account ( # XXXX ) on my credit report by [ insert the credit bureaus in question, e.g., XXXX, Experian, and XXXX ]. The account in question is completely inaccurate and baseless, as I have no existing child support case or obligation. The reporting of this account not only damages my credit standing but also directly violates the Fair Credit Reporting Act ( FCRA ), specifically under sections related to the duty to report accurate information and conduct reasonable investigations. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information on consumer reports. By allowing this erroneous account to appear on my report, the credit bureaus have failed in this statutory obligation. Furthermore, their failure to remove this account after I previously disputed it indicates a lack of reasonable reinvestigation under 15 U.S.C. 1681i ( a ).

Additionally, the willful and reckless nature of this reporting constitutes a violation of 15 U.S.C. 1681n, exposing the credit bureaus to liability for damages, statutory fines, and attorneys fees. The reporting of this account also creates unwarranted financial harm, as it misrepresents my creditworthiness and undermines my ability to access credit, housing, and other necessities. 

I am requesting the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their blatant disregard of federal law. Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. 
The credit bureaus provide documentation of their procedures and investigations into this account as required under the FCRA. 
The CFPB impose appropriate penalties on the credit bureaus for their willful noncompliance with the law.

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 2024-12-09 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: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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