vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX BANK NA Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit 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 explanation
Consumer complaint received 2024-01-09 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: AL

Complaint narrative:
there are accounts due to identity theft that are reporting onto my consumer report that shall be blocked and removed, per 15 USC 1681 within 4 business days. Your company has been negligent in my previous request of blocking the fraudulent accounts. I did not receive goods, money or services as a result of these transactions, I did not received any benefits from these transactions. This request is not being made in error or based on material misrepresentation so your company shall not decline or rescind to block the following items from my consumer 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 explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My rights as a federal protected consumer has been VIOLATED!!! Following federal laws has been broken FCRA sec 609 ( a ) ( 1 ) ( A ). I requested original wet signature contract stating I will pay said debt, also my signature given written instruction to report said debt on my consumer report 15 usc 1681b-2. Also said negative item is open, with late payments on my consumer report which VIOLATES my rights again 15 usc 1666b. I have requested XXXX XXXX XXXX XXXX license to collect a debt in XXXX, also the dates of the license and the name on it. Neither was provided, but yet transunion continues to report XXXX XXXX XXXX XXXX on my consumer report. FCRA 623 was broken also. I demand permanent deletion of XXXX XXXX XXXX XXXX account # XXXX. Also fcra 609 and 605 laws have been broken. I DEMAND PERMANENT DELETION IMMEDIATELY!!! 


XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/ I surrendered my XXXX XXXX XXXX after XXXX agreed to repurchase my vehicle as it was deemed a Lemon. XXXX did appropriately reimburse me for payments made, minus usage ( XXXX days/XXXX  mileage worth ). I was told to cancel and request refunds from the dealership regarding the maintenance and lease protection contracts not covered by manufacturer for Lemoned Vehicles. I made this request minutes after surrendering the vehicle while at the dealership. 
XXXX XXXX I had to go in and follow up, wondering where the near {$3400.00} ( one for {$1500.00}, one for {$1900.00} ) in said refunds were. 6 weeks after filing the forms. The dealership claimed they had no knowledge of any such cancellation. Further inspection and requests and my following up, I discovered XXXX XXXX XXXX and Ally Financial submitted the wrong paperwork and had shorted one refund about {$660.00}. The other {$1500.00} contract still no one is aware of. 
It has now been 70 days, and I am reaching out every day to find a status and update. Ally has not responded or replied in 2 weeks. Theyre still looking into it. 
I am aware and understanding of prorating the refund and adjusting for the 13 days of usage before the vehicles 1st service for the issues it was lemoned for. That prorating would still leave my refunds about {$1400.00} and {$1900.00}. I have only received one check for {$1300.00}. This was the misrepresented refund for the {$1900.00} contract. Ally has been working to process the supplement, but seem to only have produced {$620.00} of it. But that check has not been issued yet as of today, XXXX From my experience and belief, I feel they are doing whatever they can to wrongfully withhold my owed money.

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 2024-01-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After i found out that i had fraudulent accounts on my credit report, i contacted the bureaus. They did not remove the accounts

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 2024-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vengroff Williams, Inc
State: CO

Complaint narrative:
I received a debt collection letter from Vengroff Wiliams , Inc ( XXXX ) for a XXXX  Credit Charge Back in the amount of {$89.00} asking me to pay this amount. I contacted XXXX, XXXX OH ( XXXX ) where my storage used to be located and they confirmed that I no longer have a storage or a balance. 
The address at the top of the letter says : Vengroff Williams , Inc. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The bottom of the letter says : Vengroff Williams , Inc. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Account # XXXX. Reference # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Driveway Finance Corporation
State: FL

Complaint narrative:
On XX/XX/2023 my credit was used to get a loan in the amount of {$44000.00} on a car through LithiaXXXX XXXX XXXX XXXX The car was sold to an XXXX XXXX. I have called the company to their numbers and have not been able to speak to a person as the recording of music will go on for hours with no one receiving the call ( XXXX ) XXXX. This loan is to a person by the name XXXX XXXX, I have never met anyone by this name nor would I contract with another person financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Equifax continually changes my credit score dramatically for no reason and without any changes to my report. The change in score jumps wildly between XXXX point up and down for no reason. I do not agree with their reporting system. I would like them to just quit reporting all together because they are extremely damaging to consumers financial security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX 

Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as XXXX now have records of me being 90 days or more past due, despite my prior good standing. 

I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern. 

I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received. 

I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. 

Sincerely, 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the XXXX oXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as XXXX now have records of me being 90 days or more past due, despite my prior good standing. 

I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern. 

I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received. 

I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/XXXX I tried to redeem miles for an XXXX XXXX from my XXXX XXXX XXXX Account from the Reward program offered from my Citibank Mastercard that I opened around XXXX. Every dollar charged is a mile on XXXX XXXX as well as miles flown and they add up every month I charged on the Citibank Mastercard. When I called XXXX XXXX Customer Service, they said my Award Account had been compromised so they verified it was me through security questions and unlocked it and opened a new Account number and transfered my miles to the new Account # XXXX and I got my XXXX XXXX. After XXXX I didn't look at the account nor traveled and as of XX/XX/XXXX I had XXXX miles and then on XX/XX/XXXX I had only XXXX and a total STRANGER redeemed XXXX of MY MILES to purchase tickets. On XX/XX/XXXX a woman names XXXX, no last name called from XXXX Customer Service and verified if was me with security questions, and told me my account was hacked and someone stole my miles. I was DEVESTATED to say the least and she said she would help me get the miles put back and help with Filing the appropriate POLICE REPORTS. We opened a new XXXX XXXX Account # XXXX and she said she would be in touch. She never called back so I called XXXX Customer Service and they said I would not be getting the miles back. I was so upset, I asked who purchased the tickets as they know exactly who flew with the security in the XXXX today after XXXX. I said i needed those documents records from my account on flight, name, date, destination, ect, to file the police report. The man said he would send me 5 years of records from my account in 7-10 business days. It has been over a month and never got documents or any further calls from XXXX. I want to file a police report on who ever stole my miles and they know who that is and havent sent those documents to me. They will not give my miles back. I am asking for help on this please. I attached my account statements XXXX and XX/XX/XXXX and found out on XX/XX/XXXX when XXXX called me. I cant beieve they are so negligant on this issue and let someone steal my miles. I called Citibank and since no DOLLARS $ were chaged on my account they couldnt do anything and said I needed to go directly to XXXX XXXX which I did.

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 2024-01-09 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: AL

Complaint narrative:
The collections on my report are out of date. The report shows collections that say they were removed but they continue to show up even though they are paid off. 
Fair reporting is apart of the Fair Reporting Act and if they are reporting credit that should have been took off that is false information. I request all collections be removed immediately

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 2024-01-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The collections on my report are out of date. The report shows collections that say they were removed but they continue to show up even though they are paid off. 
Fair reporting is apart of the Fair Reporting Act and if they are reporting credit that should have been took off that is false information. I request all collections be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: 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.

has violated my rights. Or a list of inquiries : 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 2024-01-09 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: OneMain Finance Corporation
State: MD

Complaint narrative:
I am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: CA

Complaint narrative:
After i found out that i had fraudulent accounts on my credit report, i contacted the bureaus. They did not remove the accounts

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 2024-01-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
After i found out that i had fraudulent accounts on my credit report, i contacted the bureaus. They did not remove the accounts

Company response to consumer: Closed with non-monetary relief