vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Urgent Inquiry and Request for Compliance with Metro 2 Standards/verification methods.

Resposne to CFPB Compliant # XXXX Dear Equifax, I am writing to express my serious concerns regarding your adherence to Metro 2 compliance standards. Specifically, I have questions and requests regarding the reporting of my bankruptcy information.

Despite Federal regulations mandating the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields, it appears there have been deviations from these standards in my case. This is not only a violation of federal
regulations but also a breach of consumer trust.

I am seeking clarity on the following : Metro 2 Compliance : Why has Equifax failed to comply with Metro 2 standards in the reporting of my information?

If the bankruptcy court did not report any information to any credit agency or vendor, how could you verify information that was never reported? ( see attached Letter from Bankruptcy court ) Verification of Information : Provide irrefutable physical proof of the validity, accuracy, and compliance of the reported information.

Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items.

The method of contact used ( e.g., phone, email, written correspondence ).

Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system.

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 

Additionally, I am exercising my right to opt out of any reporting, given that my privacy and confidentiality have been compromised. 

Should you fail to substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).

I look forward to your prompt response and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-06-24 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: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
XX/XX/year> money line to XXXX in the amount of {$5000.00}. 

The list goes on. 

Ill follow up with another complaint about the car loan in the personal line of credit and ATM withdrawals oh, and all the pay to XXXX. They have denied the XXXX charges that I know we werent Me because it went back further than 60 days .those not allowing me to file claims. This is getting to be somewhere around {$100000.00}. Missing money. 
I filed a complaint with the 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 2024-06-24 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: MN

Complaint narrative:
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.

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 2024-06-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
About XXXX months ago, I began the looking over the processes for my end of lease options with Ally Financial. This was immediately made complicated by the fact that Ally was very difficult to work with. A company who had intended to buyout the lease told me that they were getting no response and that their office was actually no longer going to work with Ally Financial. Ally does not send information that is requested and seemingly intentionally slow walks every step of the process. 

On top of this despite having an agreed upon residual value of the vehicle Ally just simply adds {$2000.00} to the amount for anyone else buying the vehicle which is seemingly ridiculous. Particularly given that my vehicle has a mileage overage, it is actually technically worth less not more than our agreed upon residual value.

I did a lease extension of 1 month in order to give myself 30 more days to get this all figured out.

Because of all of the difficulties I decided I would get a loan and buyout the lease myself. I requested
a buyout letter. It was sent out so much later than it was requested that by the time I received it the offer had expired.

So I called the company again and requested that they fax the form to me so that I could receive it in a more timely manner. They tell me their policy is to send a fax within 24 to 48 hours but that the buyout amount is only good for the current day. Think about the level of absurdity with that. What good is it to send me a letter that is good until XX/XX/year> that I won't receive until XX/XX/year>? 

The supervisor told me it is my fault for not having this figured out prior to my lease expiring. Prior to my lease expiring I attempted numerous options to either buy or sell the car. The games they seem to be playing are what are causing the issue, not anything from my side. I've been making a good faith effort to get this resolved and have now made dozens of calls and am getting absolutely nowhere.

To make matters worse, after multiple calls and requests to at least get this letter faxed, they have not even done this. I have received zero faxes from this company. They refuse to simply email this letter, and I actually paid for a fax program just in order to get this fax. And Ally has still sent nothing.

This is clearly an attempt to force me to get a loan with Ally Financial as they are not allowing me to receive the information in a timely manner that would allow me to source the loan elsewhere. This is most certainly anti-competitive behavior and seems as though it should not be legal and is certainly unethical to behave in this way. 

I have previously ended a few leases and have never experienced anything like 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 explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Urgent Inquiry and Request for Compliance with Metro 2 Standards/verification methods.

Resposne to CFPB Compliant # XXXX Dear Equifax, XXXX am writing to express my serious concerns regarding your adherence to Metro 2 compliance standards. Specifically, I have questions and requests regarding the reporting of my bankruptcy information.

Despite Federal regulations mandating the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields, it appears there have been deviations from these standards in my case. This is not only a violation of federal regulations but also a breach of consumer trust.

I am seeking clarity on the following : Metro 2 Compliance : Why has Equifax failed to comply with Metro 2 standards in the reporting of my information?

If the bankruptcy court did not report any information to any credit agency or vendor, how could you verify information that was never reported? ( see attached Letter from Bankruptcy court ) Verification of Information : Provide irrefutable physical proof of the validity, accuracy, and compliance of the reported information.

Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items.

The method of contact used ( e.g., phone, email, written correspondence ).

Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system.

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items.

Additionally, I am exercising my right to opt out of any reporting, given that my privacy and confidentiality have been compromised.

Should you fail to substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).

I look forward to your prompt response and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Urgent Inquiry and Request for Compliance with Metro 2 Standards/verification methods.

Resposne to CFPB Compliant # XXXX Dear Equifax, I am writing to express my serious concerns regarding your adherence to Metro 2 compliance standards. Specifically, I have questions and requests regarding the reporting of my bankruptcy information.

Despite Federal regulations mandating the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields, it appears
there have been deviations from these standards in my case. This is not only a violation of federal regulations but also a breach of consumer trust.

I am seeking clarity on the following : Metro 2 Compliance : Why has Equifax failed to comply with Metro 2 standards in the reporting of my information? 

If the bankruptcy court did not report any information to any credit agency or vendor, how could you verify information that was never reported? ( see attached Letter from Bankruptcy court ) Verification of Information : Provide irrefutable physical proof of the validity, accuracy, and compliance of the reported information. 

Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items.

The method of contact used ( e.g., phone, email, written correspondence ).

Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system.

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items.

Additionally, I am exercising my right to opt out of any reporting, given that my privacy and confidentiality have been compromised. 

Should you fail to substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).

I look forward to your prompt response and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To my understanding, the banks are in the business or purchasing securities, thats it. At law it is very clear that I issued a security, namely a promissary note which the bank has already purchased. What the bank is doing is very different than what it presents to the public that it's doing. The bank purchased MY promissary note and told me they would transfer it to my account with them. However, I am aware no money is transferred at all, rather deposited. Which inturn, the deposit is merely the banks record of it's debt to the public and it also owes money to myself. 

Please refer to 15 USC 1691 & 12 CFR1002 15 USC 1691 ( ECOA ) and 12 CFR 1002 ( Regulation B ) work together to promote fair and equitable access to credit by prohibiting discriminatory practices and ensuring transparency and accountability in credit transactions.

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 2024-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I was working went to sleep woke up and XXXX XXXXXXXX XXXX stole my vehicle. Ally financial has sent a 1099c and still took my vehicle.

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 2024-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
They are committing fraud! They are trying too collect debt from me and they sold the debt to a collection agency which is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
-Purchased a ring in XX/XX/XXXX from XXXX XXXX XXXX a promotional period of XXXX  % interest for XXXX  months through Comenity Bank -Purchased a watch on XX/XX/XXXX from XXXX XXXX under a XXXX  % interest for XXXX  months through Comenity Bank XXXX XXXX XXXX stated that the PROMOTIONAL PERIOD WOULD BE EXTENDED. 
-XXXX  XXXX the interest charges of {$2600.00} were applied -Spoke with Comenity bank on XX/XX/XXXX and they stated that they are separate promotional periods and as a result the previous balance would need to be paid off or interest charges would be applied. The FULL AMOUNT OF {$1500.00} WAS GIVEN and PAID OFF on the account. 
-XXXX  XXXX in addition to the payment was Advised by Comenity Bank to dispute the charges via their website and also a letter. 
XXXX XXXX, there is no resolution to clear the account and are now adding additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: CT

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-06-24 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: CT

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE  ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-06-24 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: KS

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: LA

Complaint narrative:
I have unauthorized inquiries that I have no knowledge of and need them removed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: LA

Complaint narrative:
I have unauthorized inquiries that I have no knowledge of and need them removed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-06-24 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-06-24 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: Arivo Acceptance, LLC
State: AZ

Complaint narrative:
I have multiple hard inquires on my report that I did not authorize. See attached report. Please remove the hard inquires and send me an updated credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: NY

Complaint narrative:
I've requested that Experian investigate a fraudulent account on my credit report, after the investigation was done, the errors are not fixed on my credit report. I've asked Experian multiples times to fix these errors on my credit report and they've never fixed the errors, Experian is now in violation of the " FCRA '' I want the account from XXXX XXXX XXXX XXXX removed from my account as Experian has failed to update the errors within it's credit reporting. 

Experian has the account reporting XXXX, nd, XXXX days late which is inaccurate reporting.

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