vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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 , FTC and my Attorney General. 

XXXX XXXX Late Payment {$12000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Collection {$810.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$5600.00}

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 2024-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I fell and broke my XXXX before XXXX 2023. Emergency surgery and skilled nursing care followed for 7 weeks. My sons have stepped in to help me manage my affairs- both have POA. I did not remember my password for online access to Ally Financial and tried to many times before the account was locked. over the past 3+ weeks I have repeatedly contacted Ally Customer Service/Fraud protection to regain access to my account. I am now in an assisted living center and need access to my funds to meet my financial commitments until my house is sold. Yesterday I tried once again to validate my account and my identity so that I can make deposits and transfers to meet upcoming expenses. 

I have repeatedly been promised that someone from Ally would contact me to get me back online. Ally have been functionally unresponsive. I received an email stating my account had been verified and was available for use, followed a few minutes later by an email stating my account was under review and not accessible. Yesterday the fraud prevention department notified me that they are reviewing whether they want to continue a banking relationship with me. Well, they need not bother - I no longer want a banking relationship with Ally. Help me gain access to MY money that I need for daily living. Thank you.

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 2024-02-07 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: SC

Complaint narrative:
I reviewed my credit reports and it shows incorrect and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-07 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: TX

Complaint narrative:
It's XXXX XXXX XXXX, over XXXX points lower than XXXX. It's time they take it off my records. 100 % payment on time over last 7 years and even before having to file. 
I could not find a lawyer to represent me in a specific court up in XXXX XXXX XXXX 
XXXX sold me a bad {$750000.00} machine to my business that was mis-represented. 
My only alternative after 5 years of trying to make it work was to tell them to come pick it up. They came after me personally. Hoping some day their will be a class action law suit against XXXX and their practices. 

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 2024-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I Applied For A Loan With One Main Financial Through XXXX XXXX. I Was Dealing With XXXX In The XXXX XXXX , She Said I Was Approved For A Loan Of {$8000.00}. I Submitted All Verification Documents, Bank Information, Lease Agreement, Drivers License. After Speaking With XXXX Briefly On XX/XX/2024 Around XXXX She Was Walking Me Through Some Identity Verification Through The One Main Financial Website, She Stated That She Got An Alert And Had To Call Me Back. 

After A Few Minutes I Got A Call Back From A XXXX Around XXXX In The XXXX XXXX One Main Financial XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX Stating That They Were Not Moving Forward With The Loan Due To " Suspicious Activity. '' XXXX Then Became Argumentative And Rude When I Challenged Her On The " Suspicious Activity '' Claim. 

So I Submitted Everything The Company Was Asking For And They Denied My Loan, This Is Discrimination. There Is Nothing Suspicious Going On, I Submitted Every Piece Of Documentation The Company Asked For And Something Needs To Be Done About This Because This Is Not Right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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 am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 
I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, they failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX, I have mailed out 2 different dispute letters to XXXX and TransUnion yet again i have received an email XXXX XXXX from XXXX disregarding my dispute letters yet again. by law this is wrong on all levels. I can't get no loans, new credit, or lines of credit because of the inaccurate information they are housing or may I add illegally furnishing. month after month I try writing them of these things and to my surprise I get turn down or have to result to making complaints of this matter and I'm getting tired of the back and forward with me having to take matters like this to get heard. this is disappointing and a violation of my rights under the consumer law. I will upload the two letters I sent and they response back. XXXX is the only reporting agency that took me seriously and took all negative items off of my consumer report when writing to them of the inaccurate information. TransUnion and XXXX are not following the rules of the law and delaying me as giving me the run around and now I'm taken legal action against them.

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 2024-02-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I recently learned from my banks that a collection agency, XXXX XXXX XXXX XXXX XXXX, based in XXXX, NY XXXX has reported derogatory information on my credit report. Sometime ago I received a phone call from the debt collector and told the company that I dont owe any telephone company. I told them that my telephone company is XXXX XXXX XXXX, and my bill is directly paid from my bank. I also told them that Ive been with the same phone company for more than XXXX ( XXXX ) years, since 1999. They asked me about the address of the debt, and I told them Ive never lived there. Several times I received similar phone calls, and I told them I dont owe any telephone company. According to the debt collector the debt is owed to XXXX XXXX XXXX and the amount is over {$1100.00} but less than {$1200.00}.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize, nor did I authorize these companies to pull an inquiry of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: ROCKY MOUNTAIN MORTGAGE COMPANY
State: TX

Complaint narrative:
Rocky Mountain Mortgage Company has reported and continues to report to the credit agencies that my Mortgage Loan is closed due to XXXX XXXX Bankruptcy and this account has never been in Bankruptcy, continues to be open and in good standing. 

I spoke to XXXX from Rocky Mountain Mortgage in XX/XX/XXXX regarding this issue and she requested I submit a dispute with the credit bureaus, which I did and they replied after investigation that Rocky Mountain Mortgage confirmed the status of Closed/Bankruptcy. 

I followed up with XXXX on XX/XX/XXXX, to advised that the dispute did not resolve the issue and she directed me to XXXX XXXX who again confirmed my account was never in bankruptcy but " paper work '' gets mixed up in XXXX XXXX when notified of proceedings of other bankruptcy 's. She did not provide a solution to my problem and didn't seen to show much interest in correcting their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-07 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: IL

Complaint narrative:
I am rewriting to complaint to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXXACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

I have also included the SSN card number as requested to proceed with the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
We moved homes and hired XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The owner, XXXX, sent his " guys '' over. XXXX asked for cash initially and said any additional money would need to be paid by credit card with a 4 % fee. I showed up with my cash and the move took longer than anticipated, so I was short {$300.00}. I called XXXX and told him I was giving his guys cash ( {$900.00} plus tip ) and XXXX said he would charge my credit card {$310.00}. I gave him the card number over the phone, gave the guys money, they tore off a white piece of paper, gave me the yellow carbon copy, I wrote the amount on the back, and we were done. 

Fast forward a few weeks, I see my credit card is charged around {$720.00}. I called him immediately and asked him if there was a mistake. He VERY clearly told me on the phone that he recalls charging me around {$300.00}. He rummaged through his paperwork and said " okay I charged you XXXX, so that must be correct. '' I said " No, even you recall it being around XXXX. '' He said he would check with his guys and get back to me. In an effort to be proactive, I emailed him and recapped our convo where he said he recalled it being around XXXX. He agreed to this email. XXXX said his guys remembered another number and that the charge is correct. 

I submitted a credit card dispute to Capital One citing I did not authorize the amount. He very fraudulently wrote the {$1200.00} on the white paper with the breakdown of cash versus credit card after I signed. My yellow carbon copy does not reflect these numbers. I am happy to send you the original copy for further inspection. The lady at Capital One said she saw he handwrote it and that its not on my copy, but based on XXXX guidelines, he submitted a " valid '' receipt '' so she couldn't do anything, even though she recognized it was falsified. Capital One asked me for my documentation 3 times, and all 3 times they did not look at it because a " valid receipt '' was submitted. They did not care about the carbon copy. And they could not explain to me what a valid receipt is. I spoke with XXXX managers and none of them could explain it. Why is my carbon copy not a valid receipt but his falsified white copy is valid? Why didn't capital one look at my documents? Why do I need to take this to court because Capital One couldn't resolve it? I did not authorize the higher payment, but Capital One does not seem to care about that part according to the people I spoke with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: TX

Complaint narrative:
I do not recognize, nor did I authorize these companies to pull an inquiry of 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 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CARVANT FINANCIAL LLC
State: NJ

Complaint narrative:
Car was purchased 4 years ago and was in an accident with the vehicle. The company I had purchased it through claimed to have provided gap insurance and after the accident they told me it would be taken care of with the gap insurance. Now 4 years later its still on my report as an open loan and when I report it to XXXX XXXX or XXXX they reject it. I contacted the car dealer and requested documentation about the vehicle and at first they claimed they had no record of me then they claim it was sent to collections but dont know where then they claim it was actually covered by gap and no matter what documents i requested they deny my requests to send it as its a closed file and they dont have it on them. Theyre suspicious, liars and scammers. I dont want this car as an open loan when I havent had the car in 3 years and was told it was covered after the accident. 

Even the payment information they report is wrong cause they claim I paid XXXX in payments which is a lie cause I paid almost half the car off at the time of the accident. Also one of the photos shows the date when the photo of the vehicle was taken

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: MO

Complaint narrative:
Still lying is more like it EXPERIAN WORKS ON NOTHING BUT STALLING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-07 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: SC

Complaint narrative:
My purse was taken during a community event in 2018. I was advised by law enforcement to monitor all of my accounts in the future. I contacted the credit bureaus and advised them of what had taken place. I recently pulled a copy of my credit report and noticed a account and inquiries that I have no knowledge or affiliation with. These accounts and inquiries have been authorized due to someone having access to my personal information. 

I have the right to privacy, furnishing accounts to my profile without my written consent is in violation of 15 USC 1681B. 

After researching this accounts, this account is being furnished due to identity theft. Furnishing any account to my profile in direct relation to identity theft is in violation with 15 USC 1681 c-2

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