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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reviewed my consumer reports and notice I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside this complaint in and on this XX/XX/2023, and XX/XX/2023. Please Investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated and to paid as agreed on time as they should be due to the fact I was never late. Please see screenshot attachment

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I am in the PSLF program and Mohela has not processed my PSLF form from XX/XX/23 their website says 30 days and it has been over that time frame. I called them today and they said there was an error on their side but they didn't contact me at all. I have made the 120 payments to qualify for forgiveness and now they are saying that it will take over 90 business days due to their error for my loans to be forgiven. I have to work for a qualifying employer till my loans are forgiven and that lessens my employment options and that is unacceptable since it was their error. They did not resolve the issue and weren't helpful at all they keep giving excuses.

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: 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, Ally Financial responded to my complaint on the numerous inquiries I have on my credit report, owning up to one which wasXX/XX/2022but did not explain why my credit report was ran the other 2 times by them on XX/XX/XXXX and XX/XX/XXXX of 2022. Ive contacted XXXX, and was told to reach out to ALLY asking for removal of unauthorized inquiries.

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: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Repetitive harassing calls starting at XXXX back to back over and over. When I am working and I decline the call they immediately call back from the same number or a different number not even a second later.

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 — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am urgently filing this complaint against XXXX and XXXX regarding the unauthorized sale of the XXXX XXXX XXXX account to Jefferson Capital Systems , LLC, and the subsequent inaccuracies and challenges Ive faced in disputing this unauthorized transaction. 

Unauthorized Sale of XXXX XXXX XXXX Account : I recently discovered that the XXXX XXXX XXXX account was sold to Jefferson Capital Systems , LLC without any proper notification. This unauthorized sale has significantly impacted my ability to address and dispute the accounts details accurately. 

Continuous Updating of Inaccurate Information : In addition to the unauthorized sale, there has been continuous updating of inaccurate information related to the XXXX XXXX XXXX account on my credit reports. Specifically : The reported last payment was inaccurately stated as XX/XX/XXXX, to XX/XX/XXXX, which is factually incorrect. 
The account status continues to be updated as a charge-off every month, which is inconsistent with the actual account status. 

Dispute Handling Challenges : Despite repeated attempts to dispute these inaccuracies through XXXX and XXXX dispute processes, I have faced significant challenges. The disputes have not resulted in the necessary corrections, and the inaccuracies persist, adversely impacting my credit profile. 

Fair Credit Reporting Act ( FCRA ) Violations : I assert that the unauthorized sale of the XXXX XXXX XXXX account and the continuous updating of false information constitute a violation of the Fair Credit Reporting Act ( FCRA ). These actions have created unnecessary hurdles in my attempts to address and dispute the inaccuracies. 

Immediate Deletion Request : I urgently request the immediate deletion of the inaccuracies related to the XXXX XXXX XXXX account from my credit reports by XXXX and XXXX. The unauthorized sale and continuous updating of false information are causing severe distress and adversely affecting my creditworthiness. Immediate deletion is imperative given the severity of the situation. 

Transparent Dispute Resolution : I urge the CFPB to ensure a transparent and effective dispute resolution process that guarantees accurate reporting and immediate corrections. 

Compliance with FCRA : I request the CFPB to investigate and ensure that XXXX and XXXX comply with the provisions outlined in the Fair Credit Reporting Act. 

The unauthorized sale of the XXXX XXXX XXXX account and the challenges in disputing this information are causing significant distress and negatively impacting my financial well-being. I seek a prompt and comprehensive resolution, including the immediate deletion of the inaccuracies. 

I appreciate the CFPBs urgent attention to this matter and anticipate a thorough investigation and resolution in accordance with regulatory requirements.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reach out to XXXX and Experian the last three years multiple time via phone mail and online Ive sent them both about 10 letters certified mail to make corrections and remove this incorrect information from my credit report they never do. I ask them to provide proof and validation regarding this they never do I also would like to where where they obtained this information from

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for a credit card and seen on their XXXX filing my application is the security. I should not be denied an extension of my own credit. Please reverse and send me my credit card.

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: PA

Complaint narrative:
XXXX. Family educational and privacy rights On XX/XX/XXXX I spoke with several individuals at DEPT OF EDUCATION/XXXX and sent a letter on XX/XX/XXXX to XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for removal and also I requested that they send me my Master Promissory NOTES for both accounts on my credit reports Date opened XX/XX/XXXX Account number XXXX Amount XXXX Date opened XX/XX/XXXX Account number XXXX Amount XXXX NO ACTIONS WERE TAKEN I've also informed XXXX, EqualFax and XXXX of the violation of the Family educational and privacy rights requesting removal

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
1232g. Family educational and privacy rights On XX/XX/XXXXXXXX  I spoke with several individuals at DEPT OF EDUCATIONXXXX and sent a letter on XX/XX/XXXXXXXX  to XXXX at XXXX XXXX XXXX XXXX XXXX , NE XXXX for removal and also I requested that they send me my Master Promissory NOTES for both accounts on my credit reports Date opened XX/XX/XXXXXXXX  Account number XXXX Amount XXXX Date opened XX/XX/XXXXXXXX  Account number XXXX Amount XXXX NO ACTIONS WERE TAKEN I've also informed Experian, XXXX and XXXX of the violation of the Family educational and privacy rights requesting removal

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: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have unauthorized hard inquirys on my account and would like them removed

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation oXXXX Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I mailed Experian a letter letting them know of violations regarding my personal information and that it is in direct violation of the Privacy Act of 1974. 

Attached is a copy of that letter along with my consumer report as proof of violations.

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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Received {$250.00} American Express gift card from my employer. Attempted to add the gift card to my XXXX wallet as a payment method. This is something I have done in past years with no problem. However, on all attempts to add the card to the XXXX wallet, I receive a message that the card was " declined by the issuing bank ''. 

Called AMEX and was transferred around, had the call dropped, re-called etc. Finally got a rep who said that the card is valid and that there was " no reason for it to be declined by AMEX, unless the merchant did not ask for the 4-digit security code ''. Actually, XXXX does require the security code, so why did AMEX decline the charge? They suggested I try it at another merchant, but I want to use the card at the merchant of my choice. XXXX does take AMEX cards, so AMEX should not have declined this charge.

Company response to consumer: Closed with 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: EQUIFAX, INC.
State: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Company - Ally Financial - auto loan opened XX/XX/XXXX I have disputed an alleged " 30 days late '' in XXXX of XXXX. This account was never late.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Made cash deposit of {$900.00} on XXXX 2023 @ Huntington branch location XXXX XXXX XXXX XXXX XXXX OH. Huntington still has not credited my account with my funds. I have sent Huntington emails with attachments of the atm receipt dipicting that the transaction did occur.

Company response to consumer: Closed with 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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am urgently filing this complaint against XXXX and Equifax regarding the unauthorized sale of the XXXX XXXX XXXX account to XXXX XXXX XXXX , XXXX, and the subsequent inaccuracies and challenges Ive faced in disputing this unauthorized transaction. 

Unauthorized Sale of XXXX XXXX XXXX Account : I recently discovered that the XXXX XXXX XXXX account was sold to XXXX XXXX XXXX , XXXX without any proper notification. This unauthorized sale has significantly impacted my ability to address and dispute the accounts details accurately. 

Continuous Updating of Inaccurate Information : In addition to the unauthorized sale, there has been continuous updating of inaccurate information related to the XXXX XXXX XXXX account on my credit reports. Specifically : The reported last payment was inaccurately stated as XX/XX/XXXX, to XX/XX/XXXX, which is factually incorrect. 
The account status continues to be updated as a charge-off every month, which is inconsistent with the actual account status. 

Dispute Handling Challenges : Despite repeated attempts to dispute these inaccuracies through XXXX and XXXX dispute processes, I have faced significant challenges. The disputes have not resulted in the necessary corrections, and the inaccuracies persist, adversely impacting my credit profile. 

Fair Credit Reporting Act ( FCRA ) Violations : I assert that the unauthorized sale of the XXXX XXXX XXXX account and the continuous updating of false information constitute a violation of the Fair Credit Reporting Act ( FCRA ). These actions have created unnecessary hurdles in my attempts to address and dispute the inaccuracies. 

Immediate Deletion Request : I urgently request the immediate deletion of the inaccuracies related to the XXXX XXXX XXXX account from my credit reports by XXXX and Equifax. The unauthorized sale and continuous updating of false information are causing severe distress and adversely affecting my creditworthiness. Immediate deletion is imperative given the severity of the situation. 

Transparent Dispute Resolution : I urge the CFPB to ensure a transparent and effective dispute resolution process that guarantees accurate reporting and immediate corrections. 

Compliance with FCRA : I request the CFPB to investigate and ensure that XXXX and Equifax comply with the provisions outlined in the Fair Credit Reporting Act. 

The unauthorized sale of the XXXX XXXX XXXX account and the challenges in disputing this information are causing significant distress and negatively impacting my financial well-being. I seek a prompt and comprehensive resolution, including the immediate deletion of the inaccuracies. 

I appreciate the CFPBs urgent attention to this matter and anticipate a thorough investigation and resolution in accordance with regulatory requirements.

Company response to consumer: Closed with non-monetary relief