vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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: MO

Complaint narrative:
I'm sure that adherence to the mandatory reporting standards is crucial for credit rating agencies, and I am confident you will make it happen. In order to substantiate any allegations made against me and to comply with the reporting requirements laid down in 15 U.S.C. 1681e and 12 CFR Part 1022 Regulation V, I request that you provide me with physical evidence. I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED 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 2024-04-12 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: MO

Complaint narrative:
I'm sure that adherence to the mandatory reporting standards is crucial for credit rating agencies, and I am confident you will make it happen. In order to substantiate any allegations made against me and to comply with the reporting requirements laid down in 15 U.S.C. 1681e and 12 CFR Part 1022 Regulation V, I request that you provide me with physical evidence. I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Collectors, Incorporated
State: WA

Complaint narrative:
Dynamic Collectors has contacted me at my place of work. That is private information and they can not call my work. They call my cell phone multiple times a day. I am going through the process of declaring bankruptcy and I told them to contact my attorney and they said they can not do 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 explanation
Consumer complaint received 2024-04-12 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: TN

Complaint narrative:
I am writing to file this complaint because TRANSUNION has reinvestigated, verified, and sustained inaccurate accounts on my consumer reports. These accounts are erroneously incomplete and inaccurate. Per 15 USC 1681e ( b ) consumer reporting agencies are to ensure the maximum possible accuracy of a consumer report to whom it relates. I had given TRANSUNION a very detailed description of the inaccuracies reflected on the accounts I disputed, and they still returned verified while being both incomplete and inaccurate. TRANUNION is in violation of the Fair Credit Reporting Act per 15 USC 1681e ( b ) and I want the accounts that I disputed removed immediately! Please see attached documents for proof. The yellow highlighted areas and orange markings bring attention to the location of the inaccuracies for each account and how they have been overlooked. I have also attached a letter requesting the removal of the accounts from my consumer reports with detail of why they should be 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 non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I sent a validation of debt claim to CITIZENS FINANCIAL GROUP INC. Which they disregarded and never responded. I have my documents for proof with certified mail receipts. The validation notice certified mail number is XXXX XXXX XXXX XXXX XXXX. I specifically notified them to give me the name and address of the original creditor, and the origins of the funds to show proof that they are owed the debt. I also instructed them to cease all and any attempts to contact me unless they were able to complete the task they were given. They totally ignored my instructions by contacting me via telephone call. my problem with all of this is that if CITIZENS FINANCIAL GROUP INC. Claims I owe them a debt then why is it so hard to do these simple things, like furnishing the proof that I owe the debt. According to 15 USC 1692g they have to submit these documents to me which I informed them of. keep in mind that acquiescence is default by its very nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Jefferson capital emailed me about account i allegedly owe. I emailed them back and asked for verification of debt with original wet signatures. I mentioned if not provided in 21-30 days it needs to be removed and reporting positively on my credit report. This was on XX/XX/2024 they responded on XX/XX/2024 and said they are looking into it. XXXX XXXX bought the debt that i did not agree to be sold. 

they violated my rights and privacy per the privacy act. True accord is not trying to collect on the account i allegedly owe. I asked true accord for that info stated above and they said they are no longer collecting on this account and gave it back to Jefferson capital. 

Time is up Please enforce! 
I even completed a 1099 to offer solution They also sent to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: TX

Complaint narrative:
As of XX/XX/2024 Several closed accounts are still showing up on two of my credit reports, but deleted on one. According to the FCRA, all reports must match with accuracy.

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 2024-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
On XX/XX/2024, I applied for a personal loan at Sun Loan. Later, a service representative from Sun Loan XXXX XXXX XXXX  called to inform me that my loan application was denied because of my employment at XXXX XXXX, which they consider a XXXX XXXX She mentioned that they need to ensure an applicant 's employment for the next 15 months, a guarantee I believe is unrealistic for any job. Although XXXX XXXX is perceived as a XXXX XXXX my position as a XXXX XXXX XXXX ( XXXX ) is considered permanent within the company. My role as an XXXX ensures a steady income, even when I am not assigned to external projects, demonstrating the stability and reliability of my employment and countering the usual temporary perception associated with XXXX XXXX. At XXXX XXXX, I receive full benefits, including vacation and sick leave, a XXXX plan, medical benefits, and more. After receiving the denial, I secured a copy of my contract and attempted to reach out again to clarify my situation, but the representative refused to reconsider, citing XXXX XXXX 's classification as a XXXX XXXX as the reason for the loan denial. I have been with XXXX XXXX as an XXXX  for more than two years, and the idea that this does not qualify me for a personal loan is troubling. This denial seems unjustified since I am not a XXXX XXXX according to XXXX XXXX XXXX  standards. This issue is not unique to me, after searching for answers, I came across several posts about others in similar roles at different companies face loan denials despite not being classified as temporary employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX charge {$100.00} XX/XX/XXXX XXXX XXXX charge- {$150.00} XXXX XXXX XXXX XXXX charge- {$100.00} I contacted chase multiple times and sent in dispute forms supporting my claims that I did not authorize these charges. I also contacted XXXX and they told me because the transaction was completed they can no longer assist. At this point you are my only hope in getting this money returned since my bank or the merchant are not cooperating. I provided proof of me trying to contact the merchant to get a refund and I was blocked and given the run around when trying to get a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: GA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
I noticed unauthorized charges on a rarely used credit card. When I contacted Barclays to alert them of fraud, I also requested a copy of the signed receipt with the details of the store and the purchase. They have refused to provide me with the receipt, and instead told me they verified the charge " directly with the vendor ''. They then closed my fraud investigation. I asked them to reopen the case, and again asked for a receipt, which they refuse to provide. I have hired an attorney who has requested the same, and Barclays refuses to comply. I have now been turned over to a collection agency ; a receipt for the purchase has been requested, and they also refuse to comply. My credit score has dropped over 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 2024-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
" My card was closed by Capital One in XX/XX/ 2024, and I have {$1700.00} in my cash back account. However, the XXXX are claiming that they are not required to give me my rewards because they closed the card, not me. But the website https : XXXX does not specify that if bank closes the card they don't have to send my rewards. '' There are XXXX cards XXXX ending XXXX and the other ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
I went to the XXXX XXXX XXXX XXXX XXXX to get another vehicle my previous rep that dealt with my first purchase which was a XXXX XXXX XXXX he told me to come back in 6 months I could trade it in because I did not want that car but thats all I could afford with a cosigner and they would pay it off and I wouldnt be upside down but he no longer works there so I just dealt with a new rep he tried to get me approved for the XXXX XXXX XXXX XXXX XXXX and could not so he then sold me a XXXX XXXX XXXX and he stated that it would have features that I was seeking like navigation and remote connect after signing the legal binding contract it has none of those features and this dealership does not want to take full responsibility for selling me a car with no features and im also upside down all they did was knock off {XXXX XXXX  more a month and that will not satisfy me after signing the second time I noticed it also doesnt have heated seats so im like what does it have all they advise me to do is continue paying the note on a vehicle im not happy with for a year and my credit improves they also illegally ran my credit across 6 different finance companies without my permission to get me approved my credit is screwed so I cant even go to a new dealership and they wont buy this car because XXXX is trying to charge me {$50000.00} they have lost there minds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have had a Barclays View credit card for multiple years, always making my payment on time and in full. I have never been able to request an increased credit limit as Barclays requires a hard credit inquiry to do so. I do not understand why Barclays requires a hard credit inquiry when all other banks typically require a soft pull or no credit pull at all ( just income question ). This feels very unfair that the only way to increase my available credit with Barclays is to allow for a hard pull which will negatively impact my credit and therefore my ability to purchase a home, open new credit cards, apply for other types of credit, etc. This policy feels very unreasonable and the representative repeatedly told me that this is the Company 's policy and there is nothing that could be done.

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 2024-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
On or around XX/XX/year>, a letter was sent to Jefferson Capital System to request thorough verification and all documented proof of all alleged debt to Jefferson Capital System in writing by XXXX only. On or around XX/XX/year>, a letter was sent to both XXXX and XXXX to dispute the alleged debt to Jefferson Capital System due to a direct violation according to USC 1692 c ( c ), no written response was provided in return. On XX/XX/year>, an electronic complaint was filed with the XXXX XXXX XXXX and an electronic dispute was filed with XXXX to remove the alleged debt reported by Jefferson Capital System in the amount of {$5100.00}. Also on XX/XX/year>, in response to my XXXX  complaint and request for removal, Jefferson Capital System reported that the information disputed by me " meets the requirement of the Fair Credit Reporting Act '', which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: NC

Complaint narrative:
I reached out to XXXX via USPS mail regarding inaccurate information on my credit report. I requested reinvestigation to determine the accuracy of the disputed information and update the current status within 30 days of receiving my notice. I mentioned that their failure to verify these accounts has impacted my creditworthiness. Along with the letter, I provided details of the inaccurately reported accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX received my dispute on XXXX XXXX XXXX, as evidenced by the stamped return slip. However, the dispute took well over 30 days to resolve. I have copies of both the letter sent and the stamped return slip.

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 2024-04-12 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: FL

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. 
Account name : XXXXXXXX XXXX XXXX Account Ending : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 2024-04-12 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX  Account Ending : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 p
erson 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