vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. XXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES IHAVE 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.

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 2024-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: NJ

Complaint narrative:
I am a XXXX  member of the XXXX XXXX XXXX XXXX getting XXXX next week. I have reached our to all of my banks, financial institutions, and services that I have loans with in order to apply the XXXX XXXX XXXX XXXX XXXX ( SCRA ) in accordance to the Federal law. GoodLeap is one of the institutions I have a loan with. All of the other companies/banks/institutions have promptly honored and applied the XXXX by lowering my interest rates. On the contrary, GoodLeap has failed my numerous attempts to get even the slightest bit of communication or progress with this matter. Below are the dates I have reached out to them : XX/XX/XXXX : Initial Attempt- Routed to outsourced department overseas- unaware and unfamiliar with XXXX. Advised to send email to XXXX ( which I did ) NO RESPONSE XX/XX/XXXX : Second Attempt- Routed again to same billing department overseas, same scenario, unfamiliar with SCRA and advised to send another email including XXXX orders to XXXX I stayed on the phone while I sent the email until the representative confirmed that they received my email and advised to wait for response. I only recieve confirmation that email was received. 

XX/XX/XXXX : Third Attempt- Routed to the same department overseas and was told that they need to submit yet another request. At this point, with my XXXX quickly approaching, I requested to speak to someone onshore in the XXXX. I was transfered to an agent by the name XXXX, who was ALSO unaware and unfamiliar with the XXXX and ALSO advised that he will submit another request. I asked to speak to a Supervisor transfered to XXXX who asked me to email the documents once again and promised to personal follow up with me on XXXX, XX/XX/XXXX XXXX have recieve no communication with her whatsoever. 

XX/XX/XXXX : Fourth Attempt Called again requesting XXXX, spoke with XXXX who was ALSO unfamiliar with XXXX. She reached out to her Supervisor who was ALSO unaware of the XXXX and advised me to speak to the billing department once again. I explained that I have already done so along with all of my other attempts. Supervisor refused to get on the phone with me and advised XXXX to connect me with the Loan Servicing Department. The agent I was transfered to was ALSO unaware of the XXXX and said verbatim " this is not something we do in this department ''. XXXX assured her that this is the correct department and requested to get a Supervisor to assist. Agent advised that there are absolutely no managers or Supervisors working today and offered to give a callback. I advised them that I will be filing an official complaint and disconnected the call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CashRepublic Holdings, Inc.
State: NV

Complaint narrative:
Omni violated the Military Lending Act ( MLA ), Electronic Fund Transfer Act ( EFTA ), and Consumer Financial Protection Act of 2010 ( CFPA ) in connection with making installment loans. 

I received my loan from Omni Financial under the name XXXX XXXX before getting married. Once I received my loan from the company, I was asked that I repay by allotment. I have been repaying my loan by allotment for over 3 years and was recently told that this was a violation. 

Please let me know the proper steps that I need to take in order to get this resolved. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NV

Complaint narrative:
Experian, XXXX and XXXX didnt remove late payments need to remove Late payments from XXXX account XX/XX/23 XX/XX/23 XX/XX/23 ( 15 US 1666b ) Im showing proof each payments was made on time

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 2024-01-18 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 am the author of this complaint and I have attached my ID and SSC to verify my identity. I have also attached a case study ( XXXX XXXX XXXX XXXX XXXX ) to further back my standing Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against XXXX and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) in connection with inaccurate information on my credit reports. I believe these inaccuracies are negatively affecting my creditworthiness and financial standing. 

The inaccurate information pertains to the following accounts : 1. XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. XXXXXXXX XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. XXXX XXXX XXXX I have already submitted dispute letters to both XXXX, Equifax and XXXX, detailing the inaccuracies and requesting a correction. However, to date, I have not received a satisfactory resolution. I am seeking the intervention of the Consumer Financial Protection Bureau to address these violations. 

I believe the credit reporting agencies have violated the FCRA by reporting inaccurate information and failing to conduct a reasonable investigation. This has caused significant harm to my credit standing, affecting my ability to secure favorable terms on credit and loans. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX and XXXX comply with the FCRA. I am also requesting that you provide me with updates on the progress of your investigation. 

Enclosed with this letter are copies of the dispute letters sent to XXXX and XXXX, along with any supporting documentation. I appreciate your prompt attention to this matter and thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: OH

Complaint narrative:
This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( s ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. PLEASE DELETE the following accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: OH

Complaint narrative:
This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( s ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have XXXX  days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. PLEASE DELETE the following accounts : 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 2024-01-18 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: TN

Complaint narrative:
I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

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 2024-01-18 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: TN

Complaint narrative:
I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: MD

Complaint narrative:
I am writing to bring to your attention a 30-day late payment entry on my mortgage account for the month of XX/XX/2023. I appreciate the services provided by XXXX XXXX and the role you play in facilitating my homeownership. 
I have recently reviewed my credit report and noted the presence of this late payment entry. I believe there has been a misunderstanding or error, as I have consistently made on-time payments since the inception of my mortgage. 
Upon investigating this matter further, it appears that the lateness may have been the result of XXXX XXXX  as stated on their website and the document they sent me stating that they processed check # XXXX on XX/XX/2023 and mailed it out same day. They also stated through email and their website that the check was delivered on XX/XX/XXXX, XXXX payment will be delivered by paper check on Wednesday, XX/XX/2023 SENT TO XXXX XXXX XXXX XXXX, TX XXXX CHECK NUMBER XXXX XXXX  XXXX  sent check from XXXX XXXX, CA on XX/XX/XXXX through mail to XXXX XXXX  in XXXX, Tx it was delivered on XX/XX/XXXX. That's not 30 days late. XXXX XXXX  said they received it XX/XX/XXXX but can't verify 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 non-monetary relief
Consumer complaint received 2024-01-18 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: MD

Complaint narrative:
I am writing to bring to your attention a 30-day late payment entry on my mortgage account for the month of XX/XX/2023. I appreciate the services provided by XXXX XXXX  and the role you play in facilitating my homeownership. 
I have recently reviewed my credit report and noted the presence of this late payment entry. I believe there has been a misunderstanding or error, as I have consistently made on-time payments since the inception of my mortgage. 
Upon investigating this matter further, it appears that the lateness may have been the result of XXXX XXXX  as stated on their website and the document they sent me stating that they processed check # XXXX on XX/XX/2023 and mailed it out same day. They also stated through email and their website that the check was delivered on XX/XX/XXXX, XXXX payment will be delivered by paper check on Wednesday, XX/XX/2023 SENT TO XXXX XXXX XXXX XXXX, TX XXXX CHECK XXXX XXXX XXXX XXXX sent check from XXXX XXXX, CA on XX/XX/XXXX through mail to XXXX XXXX  in XXXX, Tx XXXX was XXXX on XX/XX/XXXX. That's not 30 days late. XXXX XXXX  said they received it XX/XX/XXXX but can't verify that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP
State: OR

Complaint narrative:
I applied for a secured credit card, was approved, and I funded it immediately. Key won't send my card until they verify my address. An address that Key has on file for my other accounts, and this address shows on XXXX. 
XXXX people have called me multiple times regarding my address. I spoke to XXXX XXXX XXXX  and told him that this whole process is convoluted and I'd like to cancel my app. He said he could do that for me right now, and did. Then I get an email that says I was DECLINED. And my {$300.00} security deposit which they took immediately has not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: NV

Complaint narrative:
I use Card.com prepaid, I have used them for years and I make a transaction on XX/XX/XXXX in the amount of {$390.00}, and never received my items. I filed a dispute with them and provided everything to them even the letters I got from the XXXX XXXX XXXX about this because the scammers were giving people fake tracking numbers. I waited almost 2 months to hear nothing. I called today XX/XX/2024 just to hear my claim was denied and my case was closed. They never sent me an email of nothing. They are unfair and they don't try to work with their loyal customers. Now I'm a XXXX XXXX of XXXX children out of {$390.00}. They are not following the fair credit act.

Company response to consumer: Closed with explanation