vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: GA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: GA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I first disputed this account in XXXX when i recieved a response claiming that Bridgecrest can not fulfill my request because they have insufficient information on their end. My information which was state ID, and proof of address. For years they have been denyinh me documentations and not verifying this account. I took it upon myself to right the FCRA & FDCPA noticed I have been being violated this whole time. Bridgecrest can not honor my request based off the inaccurate information they have. Also if they can not validate this account and send me the proof funds, books of recording and along with befenical account holder, - written agreement with my wet signature - what method of payment was used and was I charged a down payment when this has my social security number associated with it which would make this a credit transaction. Therfore cash is never to be applied, accepted or bargained with. 
XXXX Bridgecrest has no promisble purpose to furnish any account associated to me. Please provide with within the agreement or contract i was given proper disclosures. Please provide me my wet signature of me opting in credit reporting and the option to OPT-OUT full disclose as states in 12 CFR 1016.7 - FORM OF OPT OUT NOTICE TO CONSUMER : OPT OUT MENTHOD I have repeatedly request XXXX, and XXXX to remove this account several times because these companies to are causing adverse reaction against me and my creditworthiness. 

My credit report has serveral errors and the company Bridgecrest is out of compliance per sec. 1681e - Compliance Procedures **** EFFECTED IMMEDIATLY TO : Bridgcrest/Drivetime THIS IS YOU FORMAL NOTICE TO CEASE & DESIST ALL COMMUNICATION INCLUDING ALL 3RD AFFILITIE SHARING AND CREDIT REPORTING. PLEASE REPSOND ON THROUGH U.S MAIL AND THESE COMPALINTS. 

XXXX XXXX XXXX did not do a proper investigations after serveral attempts. XXXX deleted after proper investigation. 

These are the violations Bridgecrest/DRIVETIME violated 1. 12 CFR 1016 .10 LIMITS ON DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES 2. 15 USC 1692g - VALIDATION OF DEBT 3. 15 USC 1682 - PERMISSIBLE PURPOSE OF CONSUMER REPORTS 4. 15 USC 1681i ( 5 ) REMOVAL OF INACCURATE UNVERFIED CREDIT INFORMATION 5. 15 USC 1681b INACCUARTE FALSE REPORTING 6. 15 USC 1681e ( b ) COMPLIANCE PROCEDURES MAXIMUM POSSIBLE ACCURACY I understand each violation is payable up to {$1000.00} per Fair Credit Reporting Act. I would like to excerise my rights because of the damage and harm for so long of trying to fix this issue ahs caused massive pain and suffering on top of my creditworthiness being tarnished.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TN

Complaint narrative:
I applied for a loan consolidation of my student loans that was approved and consolidated in XX/XX/XXXX, during that process they were also transferred or sold to EdFinancial Services. I applied for the XXXX XXXX XXXX that was also approved in XXXX of XXXX. I reached out to XXXX and they stated it would take some time to update and be deleted from my report. I received an email from them in XXXX, I received a letter from them in the mail XXXX XXXX stating my loans were XXXX percent discharged and would be removed from my credit report within XXXX days. I reached out to the company again and spoke with someone who stated her name is XXXX, I asked her why is my loans showing a balance double from what I originally owed in student loans which is XXXX now your records shows over XXXX. I noticed they were showing my original loans before they were consolidated as well as the consolidated loans. She only kept stating it takes longer to discharge consolidated loans. I was put on hold several times just to keep getting told the same thing over and over it takes time. But according to the letter it stated XXXX days which is basically false information. Now my credit report is showing as if I owe on multiple loans that should be removed by now. Ive attached a document showing when my loan was with the first servicer as XXXX it was transferred to XXXX in the amount of XXXX but they are telling me I have a balance of XXXX and they discharged some other loans and removed them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

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 2024-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Company reporting closed charge of account as part of credit utilization in order to prevent consumer from having any credit. Will not allow for dipsutes

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 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

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 2024-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Credit Acceptance only helped once when my transmission went out. My transmission went out twice and they still said they couldnt help. They picked my vehicle up the end of XXXX and sold it in XXXX at the auction. They said I still have a remaining balance after they sold the used vehicle. It was a 2009 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 2024-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I opened a XXXX XXXX account, and they gave me a line of credit of XXXX. XXXX some does some sort of a linking method after you are approved to your profile at XXXX instead of giving you a physical store card. They can not get my new account to link to my XXXX account. So, I open this new credit line that I do not have access with. I spend countless hours on the phone with them and was told my situation was escalated. I never hear back from the company. I wrote a letter to XXXX XXXX XXXX and finally had someone reach out to me and said he had issue before and will have it fix in 72 hours and get back to me. It been longer then 72 hours and nothing nor will he respond to my email. I am so upset that I had a credit check done on me, a credit line opened and I can not even use it, I really need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 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

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly ensure the removal of inaccurate accounts noted on my credit report, as mandated by FCRA 605B. Could you please verify the documentation? The presence of these erroneous accounts is causing me distress.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 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

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 2024-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Keeping payments on this account consistently prompt has been my practice, avoiding any instances of overdue payments. I'm unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, necessary corrections should be enacted.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 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

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has violated multiple laws regarding my credit report. In accordance with the F.C.R.A. The accounts listed have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  ( ACCOUNT # XXXX ), XXXX XXXX XXXX XXXX  ( ACCOUNT # XXXX )XXXX XXXX XXXX ( ACCOUNT # XXXX )XXXX XXXX XXXX ( ACCOUNT # XXXX ), XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ), XXXX  ( ACCOUNT # XXXX ), CXXXX XXXX XXXX ( ACCOUNT # XXXX ). 

15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681eb credit bureaus are supposed to ensure when a consumer reporting agency prepares a consumer report it shall follow procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 crime which antedates the report by more than 7 years.

15 U.S.C. 168As-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 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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was recently reviewing my consumer report and noticed some XXXX  payments on an account that I was never XXXX  on. The consumer reporting agencies have played a vital role and have the ability to report consumer information as accurately as possible. I have never been XXXX  on any payments for XXXX XXXX XXXX XXXX account # XXXX. Please do a complete investigation and provide proof with statements showing me when these payments were XXXX. If the proof of XXXX  payments can not be shown for this account, I demand these payments be updated to on time as they should be because I was never XXXX. 

According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the XXXX  possible accuracy of the information concerning the individual about whom the report relates. In this case this violates my rights because inaccurate information is being reported by a consumer reporting agency and should be deleted from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 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

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 2024-03-09 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: CA

Complaint narrative:
During the XXXX pandemic, the XXXX provided accommodations on my loan due to a hardship. The loan was reporting late XXXX times and repossessed. The account was brought current XX/XX/XXXX and per section 4021 of the CARES Act once the account the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. On previous CFPB complaint # XXXX the company responded to the by saying " We have reviewed our members tradelines with the XXXX nationwide credit reporting agencies and noted a discrepancy. We will submit a request to the XXXX credit reporting agencies to update their records. '' The changes that were made was a removal of the repossession. The XXXX payments are still reporting. The Cares ACT was continued into effect until XXXX  months after the XXXX XXXX ended XX/XX/XXXX. Well past the timing of the XXXX payments in question.

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 2024-03-09 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: CA

Complaint narrative:
During the XXXX pandemic, the lender provided accommodations on my loan due to a hardship. The loan was reporting late XXXX  times and repossessed. The account was brought current XX/XX/XXXX and per section 4021 of the CARES Act once the account the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. On previous CFPB complaint # XXXX the company responded to the by saying " We have reviewed our members tradelines with the XXXX nationwide credit reporting agencies and noted a discrepancy. We will submit a request to the XXXX credit reporting agencies to update their records. '' The changes that were made was a removal of the repossession. The XXXX payments are still reporting. The Cares ACT was continued into effect until XXXX  months after the XXXX XXXX ended XX/XX/XXXX. Well past the timing of the XXXX  payments in question.

Company response to consumer: Closed with non-monetary relief