vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
My account is in good standing for 14 years! 
Ally bank has blocked all access to my checking account. 
Ally bank has changed the customer service phone format to asking for games to be played e.g.questions.etc.before connecting to customer service people. 
Also, the same problem when trying to chat or e-mail. 
I did connect to a person by the nane of '' XXXX '' on XXXX. This person was extremely rude and said I had the wrong department. 
Ally bank has made it impossible to get any information regarding my account!

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 2024-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates
State: CA

Complaint narrative:
An alert from XXXX came across my email to inform me that I had a debt collection being newly reported on my credit report. My credit report is in " frozen '' status which is supposed to prevent unauthorized information being placed on my credit report and states a security alert. I immediately opened my report to find a negative collection on my account from a collection agency. Prince Parker & Associates is listed as " Collection Agency/Attorney ''. However, Prince Parker & Associates NEVER provided written communication of this alleged debt. Thus violating my federally protected rights under FCRA, FDCPA, and UDAAP. I have no knowledge of ever contracting with Prince Parker & Associates. 

XXXX has violated my rights by reporting information on my credit report despite having my account " frozen '' and violating my federally protected rights under FCRA, FDCPA, and UDAAP by obtaining my written consent/permission for the information to be listed on my credit report and in my credit file. As XXXX is a repeat offender and recklessly and negligently injure and damage my reputation as a consumer, XXXX should remit to me XXXX XXXX dollars due to their respective and repeated violations according to 15 USC 1681n and 1681o.

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 2024-02-26 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: MN

Complaint narrative:
The following accounts listed on my XXXX and Equifax credit report are fraudulent and not my accounts : XXXX XXXX XXXX XXXX  XXXX {$100.00}, XXXX, {$0.00}, XXXX, {$4.00}, XXXX, XXXX {$170.00}, XXXX XXXX XXXX XXXX {$340.00} and XXXX XXXX XXXX XXXX {$250.00}. I never applied for any of the accounts listed. The accounts dont belong to me and they are all fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-02-26 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: GA

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 account listed without my expressed written consent.

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 2024-02-26 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I advised that I have a freeze on my credit for over 6 years. My credit could not be ran. I asked for contract that I signed alone with my ID. I have no knowledge of debt. The debt collected made false payments of {$1.00} to keep debt open. Company Midland credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: NJ

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-02-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Accounts, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-02-26 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Accounts, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Negative accounts are being reported on all three of my Credit Reports : XXXX, XXXX, and XXXX. I have been disputing this item since XX/XX/XXXX every 30 to 45 days in 6 rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my 5th round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: TX

Complaint narrative:
Negative accounts are being reported on all three of my Credit Reports : Experian, XXXX, and XXXX. I have been disputing this item since XX/XX/XXXX every 30 to 45 days in 6 rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my 5th round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.

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 2024-02-26 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: MI

Complaint narrative:
Sensible Auto Lending LL XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX Mt XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Reliable Auto Finance IN XX/XX/year>

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 2024-02-26 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: TX

Complaint narrative:
Negative accounts are being reported on all three of my Credit Reports : XXXX, Equifax, and XXXX. I have been disputing this item since XX/XX/XXXX every 30 to 45 days in 6 rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my 5th round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Regarding Violations by SELF INC. Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint against SELF INC. for alleged debt purportedly owed to SELF INC., with the account number XXXXXXXX. I believe that this agency has violated several provisions of federal regulations, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide validation information upon request by the consumer. Despite my repeated requests, SELF INC. has failed to provide any validation information regarding the alleged debt. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This provision ensures that consumers have the opportunity to dispute the accuracy of the debt before it is reported to consumer reporting agencies. However, I have not been given any opportunity to dispute the account with SELF INC. before it was placed on my consumer report. 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : These regulations require debt collectors to accurately report information about consumers ' debts and ensure the maximum possible accuracy of the information reported to consumer reporting agencies. By reporting the alleged debt without providing any validation information and without giving me a chance to dispute the account, SELF INC. has violated these regulations. 

Furthermore, I believe that SELF INC. has engaged in false, misleading, and deceptive practices by furnishing inaccurate information to consumer reporting agencies without providing the required disclosures. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against SELF INC. for its violations of federal regulations. Additionally, I request that the collection account associated with account number XXXX be removed from my consumer report immediately, as it is based on inaccurate and unverified information. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: MI

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX 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 explanation
Consumer complaint received 2024-02-26 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-02-26 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: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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