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

Complaint narrative:
The company was notified of inaccurate information being reported on my credit report. After a investigation they returned that the items on my report were accurate although there was absolutely no verification as to where the items developed or any proof of the items rightfully belonging to me. The company continues to report these items although I have stated that they are inaccurate. The company is in violation of the FCRA and the Metro 2 compliancy requirements.

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 2024-04-04 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: NC

Complaint narrative:
The company was notified of inaccurate information being reported on my credit report. After a investigation they returned that the items on my report were accurate although there was absolutely no verification as to where the items developed or any proof of the items rightfully belonging to me. The company continues to report these items although I have stated that they are inaccurate. The company is in violation of the FCRA and the Metro 2 compliancy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to challenge the presence of a fraudulent account currently listed on my credit report. Despite sending my initial dispute letter and the required documentation to the Federal Trade Commission ( FTC ) in accordance with your guidelines, this account remains on my credit report. After contacting the creditor linked to this account, they acknowledged its fraudulent nature. Consequently, the account has been removed from XXXX and XXXX. I have also provided the creditors with all necessary documentation to substantiate my claim. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to challenge the presence of a fraudulent account currently listed on my credit report. Despite sending my initial dispute letter and the required documentation to the Federal Trade Commission ( FTC ) in accordance with your guidelines, this account remains on my credit report. After contacting the creditor linked to this account, they acknowledged its fraudulent nature. Consequently, the account has been removed from XXXX and XXXX. I have also provided the creditors with all necessary documentation to substantiate my claim. 

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 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a potentially erroneous collection account entry on my credit report, which I believe represents a case of double jeopardy. The account in question that has been recently added is : Account name : XXXX XXXX Account type : Collection Agency Account number : XXXX Original Creditor : XXXX XXXX Balance owed : {$460.00} The account is that was previously removed : Account name : XXXX XXXX  Account type : Collection Agency Account number : XXXX Original Creditor : XXXX XXXX  Balance owed : {$460.00} The details of this situation are as follows : - The original creditor and the balance listed for the current collection account are identical to those of a previously reported collection account. 
- This previous account had been removed from my credit report after being resolved or deemed incorrect. 
- Upon noticing the reappearance of this identical debt under a collection account. 
- I am concerned that this might be an error or a case of double jeopardy, where I am being penalized twice for the same debt. 
- The duplication of debt entries can have a significantly negative impact on my credit score and financial reputation, causing undue stress and potential financial harm. 
- I am unsure if this is an error on part of the credit reporting agency, the original creditor, or the collection agency. 
- In compliance with the Fair Credit Reporting Act, I request a thorough investigation into this matter to ensure the accuracy and fairness of my credit report. 
- Please consider this a formal complaint and I would appreciate your prompt attention to this matter. Guidance on how to proceed with rectifying this issue would also be greatly appreciated. 

Thank you for your assistance in resolving this potentially erroneous credit report entry. Your efforts to maintain the accuracy and fairness of consumer credit information are deeply valued. 

Sincerely, 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 2024-04-04 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: AR

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I was under a loan modification with Select Portfolio Servicing. It is so odd because I feel as though I was just in this position not long ago filing a complaint. My loan modification was in process and I was making all of my monthly payments. Every month a representative called questioning whether my payment was made and then the representative would identify the payment on the system and we would hang up. Eventually, I received notification that my plan was cancelled. I spent month after month trying to cure the issue. I was working with the Obudsman Department on curing the issue, as all of the payments were located, but then the representative said that she was going to restart the plan, as they were asking for a huge payment at this time. I thought that it was just going to start over right away but then I was advised to reapply, which I did, and I was now denied. I need some assistance, here. I can restart my payments immediately. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: AR

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 explanation
Consumer complaint received 2024-04-04 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: AR

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-04-04 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: MI

Complaint narrative:
I recently discovered multiple fraudulent accounts on my credit report, indicating identity theft. This is hindering my ability to purchase a new family car. Please promptly remove these accounts to restore the integrity of my credit profile. 

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 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company GLA COLLECTION CO INC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: AR

Complaint narrative:
A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 2024-04-04 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: AR

Complaint narrative:
A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 2024-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I have made 4 attempts in the last 6 months to resolve this issue with documents sent as a packet that included a letter of rescission, demand letter, cease/desist with all violations listed and explaining that all charges were not listed and insurance was not included, letter revoking all previous signatures and an affidavit of truth. My Rescission of Car Loan Agreement Were Due to Federal Violations for VIN # XXXX Most recent communication- Usps Tracking # ( XXXX ) XXXX Usps Tracking # ( XXXX ) XXXX All responses from Bridgecrest failing to comply with rescission : usps tracking-XXXX usps tracking-XXXX usps tracking-XXXX XXXX  XXXX XXXX I discovered that Bridgecrest violated federal regulations in relation to the aforementioned loan, which warrants the termination of our contract. 

Upon further investigation, it has come to my attention that Bridgecrest has failed to comply with several federal laws and regulations, including [ specific violations, such as Consumer Financial Protection Bureau ( CFPB ) rules or the Truth in Lending Act ( TILA ) ]. These violations not only constitute a breach of trust but also compromise the legality and ethical principles on which our agreement was predicated. 

Car loan labeled as a Retail installment contract and security agreement which is a credit application.

Violations : 15 USC 1692e misleading representations.

15 USC 1692j - false & deceptive.

15 USC 45 - unfair Methods of competition.

15 USC 1662- illegally mixing credit and cash in a consumer credit transaction.

15 USC 1602 - multiple violations 15 USC 1605 Determination of Finance Charge I have no obligation to a breach of contract due to The Truth and Lending Act. Bridgecrest willfully violated provisions of Truth and lending Act. Bridgecrest is responsible for civil liability, punitive damages, payments made up to date, return of down payment, the finance charge, and {$1000.00} for each violation. 

Satisfactory Solution : Return of down Payment and title to car

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 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Entered into a debt collection plan with the Bank for a credit card that I have an outstanding balance on or around XX/XX/2024. This debt is with the current banking institution that I currently use my savings and checking account with. After some back and forth due to my unemployment status with no income ; the credit card was confirmed to be fully cancelled and I was approved to make payments of {$38.00} per month at the end of each respective month. To date, I have made the first XXXX payments of the trial plan which is for XXXX months. 

However, despite being on the debt collection plan, the bank calls every day or every couple days with incorrect or invalid information about what my payment is. They reference outstanding payment amounts due for {$110.00} or higher each time they call. Tonight, XX/XX/2024, the bank called XXXX different times with me responding to the final call at XXXX XXXX. The caller advised they were calling about a debt collection for my account with an outstanding payment of over {$110.00} which I responded that I was already on a repayment plan for {$38.00} and that I should not be receiving the constant phone calls with incorrect payment amounts.

The individual I spoke to validated that he saw the repayment plan information and the payment that was just made on XX/XX/XXXX but indicated that he was still required to call about making the debt collection amount despite the repayment plan in their system. I advised that this practice is illegal and that the bank should stop trying to contact me when I am on an approved repayment plan and advised I would contact the FTC or other parties about this practice. After advising this the caller went back to his script about debt collection practices to which I responded with some colorful language and hung up on the debt collector/bank.

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

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.

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