vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ally Bank is refusing to resolve ALL of my disputed transactions for " merchandise or service not received '' despite sending in all required documentation, waiting 90 days, and the merchant being unable to prove that the goods were delivered to me. 

The merchant has refused to help me and yet Ally has told me, after waiting 3 months, to go resolve it with the merchant. I clearly stated that the merchant is non-responsive on the forms that Ally Bank had me sign in order to move forward with my dispute.That is the entire reason I had to file debit card disputes. 

After waiting almost 90 days since sending these forms back to Ally, I have received several " notices '' that the dispute is resolved. The notice states the exact following : " Our research indicates that the transaction was authorized and is correct. We've attempted to resolve the disputed transaction with the merchant on your behalf, but the merchant hasn't reversed the disputed transaction. 
We're closing our dispute case, and you'll need to resolve the matter with the merchant directly. You have a right to request the information we used in making our decision. '' Note the part that says you'll need to resolve the matter with the merchant directly. What am I supposed to do when the merchant is unresponsive? I never received the goods I paid for and Ally made me wait 90 days to do absolutely nothing? How is the fact that " the merchant hasn't reversed the disputed transaction '' my problem? What does that have to do with me? It is Ally Bank 's RESPONSIBILITY to forcefully take the money back if the merchant can not prove that I received what I paid for. 

I can not believe how ridiculous this process has been. XXXX entire months of waiting and I sent Ally everything they asked and now they are telling me they won't do anything and to go contact the merchant. I received 4 of these notices for my 9 disputed transactions and I guarantee that I will receive 5 more in the coming days.

I will attach every single form that shows the transactions I disputed and the details are all included in each form, including dates, amounts, dispute case number, and details of dispute. PLEASE NOTE that the " Dispute Numbers '' on the " Dispute Merchant - Completed '' notices that Ally sent me on XXXX and XXXX are all WRONG and do not match my original dispute case numbers. This gives me reason to believe nobody at the bank even looked at the signed forms that they had me send in which contained details of the dispute and noted that the merchant has been unresponsive.

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 2024-09-10 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: CT

Complaint narrative:
Fraudsters stole my personal information and applied to XXXX credit card. They have been approved but were not able to fully use the card as the company caught on to the fraudsters and closed the account. The account was opened XX/XX/XXXX with XXXX credit limit. Current balance is {$2100.00} and it is reporting as delinquent on my credit since XX/XX/XXXX. I have contacted the XXXX, XXXX and XXXXXXXX XXXX and disputed this account as fraud. I have also filled a police report and several FTC reports and sent them to the bank and credit bureaus. Even though they caught on to the fraud and closed the account, even though I found out and reported the matter to FTC and police, the bank refuses to remove the fraudulent account from my credit. Since then XXXX went bankrupt. When I call them they transfer me to several people and no one takes action. Please investigate this matter.

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 2024-09-10 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: FL

Complaint narrative:
This is to inform you that I sent you several letters disputing same inaccurate information you are producing in my consumer report that affects my reputation. I know my legal rights and I know that I am protected by the Consumer Law. 
Previously I requested you to conduct investigation regarding the account name and account number reported inaccurately as LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> the, pursuant to 15 U.S. Code 1681s2 inaccurately reporting You are violating my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

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 2024-09-10 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: AZ

Complaint narrative:
Im submitting to credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/delete any items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my 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

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 2024-09-10 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: LA

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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2024-09-10 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: MS

Complaint narrative:
I am writing to demand the immediate deletion of inaccuracies listed on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681i ( a ) ( 5 ) ,15 USC 1681 ( n ) 15 USC 1692 ( c ) and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. 
Enclosed are copies of documents supporting my assertions. Failure to delete these inaccuracies will lead me to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal actions. 
I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA. Please note that failure to satisfactorily resolve this matter within 30 days of receiving this certified letter may prompt me to initiate a small claims action against your company, seeking {$1000.00} per violation for : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Renorting Act

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to demand the immediate deletion of inaccuracies listed on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681i ( a ) ( 5 ) ,15 USC 1681 ( n ) 15 USC 1692 ( c ) and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. 
Enclosed are copies of documents supporting my assertions. Failure to delete these inaccuracies will lead me to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal actions. 
I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA. Please note that failure to satisfactorily resolve this matter within 30 days of receiving this certified letter may prompt me to initiate a small claims action against your company, seeking {$1000.00} per violation for : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Renorting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: NCB Management Services Inc.
State: AZ

Complaint narrative:
On XX/XX/2024 I requested a detailed summary of the investigation conducted on my credit reports reporting inaccurate and fraudulent information. I have not received any detailed information on the process conducted to verify these accounts. The original auto loan account XXXX XXXX XXXX # XXXX has been deleted, however the collection account that stems from that loan still shows on my credit report as XXXX XXXXXXXX XXXX, XXXX # XXXX. After carefully reviewing my credit report I noticed that the following account listed below is inaccurate and does not belong to me. I did not authorize anyone to furnish this account. The open date, date last active, date of last payment are showing inconsistently between all three credit bureaus and furnish information that does not belong to me. The Fair Credit Reporting Act Section 1681c-1 states that a fraudulent account must be deleted after the consumer verifies their identity, also the Fair Credit Reporting Act Section 1681e ( b ) states that if information is inaccurate then it must be deleted. I am requesting a detailed summary of the investigation that was conducted once again. I have attached my credit report and as you can see nothing has been updated or deleted the account is still inaccurate and fraudulent. I have also attached an identity theft report from the FTC. I want this fraudulent account deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the year XXXX, I received a 1099 from XXXX XXXX XXXXXXXX in the amount of {$3900.00}. ( See attachment below ). 

In the year XXXX, I also received another 1099 from XXXX XXXX XXXXXXXX in the amount of XXXX. ( See attachment below ). 

I have paid taxes on these INCOME ( s ). Therefore, this was not a " charge-off, '' but actually INCOME since I received 1099 's for them AND i paid taxes on those income ( s ). Accordingly, by law, this should be removed 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 non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the year XXXX, I received a 1099 from XXXX  XXXX XXXX in the amount of {$3900.00}. ( See attachment below ). 

In the year XXXX, I also received another 1099 from XXXX  XXXX XXXX in the amount of XXXX. ( See attachment below ). 

I have paid taxes on these INCOME ( s ). Therefore, this was not a " charge-off, '' but actually INCOME since I received 1099 's for them AND i paid taxes on those income ( s ). Accordingly, by law, this should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the year XXXX, I received a 1099 from XXXX  XXXX XXXX in the amount of {$3900.00}. ( See attachment below ). 

In the year XXXX, I also received another 1099 from XXXX  XXXX XXXX in the amount of XXXX. ( See attachment below ). 

I have paid taxes on these INCOME ( s ). Therefore, this was not a " charge-off, '' but actually INCOME since I received 1099 's for them AND i paid taxes on those income ( s ). Accordingly, by law, this should be removed 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 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Wednesday XX/XX/XXXX of 2024, around XXXX XXXX/ XXXX, I attempted to make a cash deposit at a Citibank ATM XXXX XXXX XXXXXXXX XXXX XXXX and the ATM proceeded to take my cash deposit within the range of $ XXXX and it did NOT credit the cash to my account or even give me a receipt. I attempted to get the help of the employees at the bank but they refused to assist me and simply told me to call Citibank customer service. I did and i told the representative over the phone exactly what happened with the ATM deposit, all they could do is give me a case number for an investigation that will take up to 45 business days however i think that is simply unacceptable, they have cameras both on the ATM and directly above and all around me. Every time I attempt to call Citibank customer service for an update, Im transferred between a minimum of XXXX different representatives before the XXXX XXXX representative abruptly hangs up on me and Im forced to restart the call over. This is not right I am a long time Citibank customer and this is disgusting.

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 monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dear LVNV Funding LLC I am writing to dispute the unauthorized sharing of my personal financial information in violation of the Gramm-Leach-Bliley Act. I recently discovered that you have been sharing my financial information with third parties without my consent, which is a direct violation of the privacy protections established by the Gramm-Leach-Bliley Act. 

As a consumer, I have the right to control how my personal financial information is shared and used by financial institutions. By sharing my information without my consent, you have not only violated federal law but also breached my trust as a customer. 

I demand that you immediately cease sharing my personal financial information with third parties and provide me with a full accounting of how my information has been shared up to this point. I also request that you take steps to prevent any further violations of the Gramm-Leach-Bliley Act in the future. 

Failure to comply with these demands will result in further legal action being taken against your company. I expect a prompt response to this dispute and a resolution to this matter as soon as possible. 

XXXX XXXX XXXX XXXX : LVNV Funding LLC Balance : {$270.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: IL

Complaint narrative:
I am seeking your assistance regarding the incorrect account appearing on my credit report. This issue has been damaging to my reputation, and I need your support. Your mishandling of my credit information has greatly impacted my life, and I ask that you remove these errors so I can regain peace with my family.

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 2024-09-10 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:
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.

I ask Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation