vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 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: FL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I have tried numerous times now to dispute with Bridgecrest the inaccurate reporting of data to my credit reports. As of today they continue to violate the FCRA and I intend to seek damages if these accounts are not deleted asap, I currently owe Bridgecrest no money so I have to take the continued reporting of incorrect information as an attempt by Bridgecrest to defame and slander with the intent to prevent me from getting credit elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: NJ

Complaint narrative:
I was trying to buy a house and I was told that my credit was damaged but I dont know how. According to 15 U.S.C 1681 there should not be any damages to my credit report and it is defamation to my character.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: GA

Complaint narrative:
This complaint is in reference to a charge-off account # XXXX with PNC Bank.I am currently on XXXX XXXX and have been since XXXX XXXX relative whom I put in charge to handle my affairs was denied twice in a PNC branch when she attempted to pay on my auto loan.She was told that " non account holders are unable to pay/deposit cash on anyone 's account '' .I reached out to PNC Bank several times about the issue with no response.I also requested my account be placed on " military hold '' .Subsequently PNC Bank reported my account as a charge-off to all 3 credit bureaus XXXX, XXXX, AND XXXX spoke with PNC Bank service members escalation group case manager.I submitted my military orders and was told it would be taken care of.I requested for the charge-off to be reversed and my original loan terms reinstated.I also submitted a 109XXXX C cancellation of debt as PNC Bank has received a tax benefit for said debt, but failed to send me a 1099-C which is required by law.I have also disputed this with XXXX, XXXX AND XXXX. Instead of PNC correcting the account or removing it, PNC Bank updated the balance amount with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: GA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, the following account have violated my rights. 

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 - THESE ARE HARD INQUIRIES THAT I NEED TO HAVE 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 2023-09-05 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. 

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, 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 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 explanation
Consumer complaint received 2023-09-05 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-09-05 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: GA

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 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 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 2023-09-05 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: VA

Complaint narrative:
Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) XXXXXXXX XXXX XXXX  {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent several disputes for my credit over the past 3 months most recently I sent dispute letters on XX/XX/16 highlighting several inaccuracies on my reports. Instead of the bureau following FCRA guidelines I was sent a stall letter stating it looked like I was using a 3rd party to help me with my credit which there is no law against and well within my consumer rights if I chose to hire someone for help, however I wrote these dispute letters myself. On XXXX at XXXX EST I called Transunion to receive help with my disputes, I was transferred to a supervisor by the name of XXXX XXXX in the so called Fraud Customer Service department , she proceeded to tell me that if a consumer hires a 3rd party for help that they would not process those disputes even if the client had a power of attorney signed with that company. I proceeded to tell this supervisor that I did not hire a 3rd party and that it was a violation of my rights for them to not open and investigate my disputes. The supervisor told me she would not be opening any disputes with me even after I told her that it was against the law for them to refuse to investigate inaccuracies on my reports. The supervisor proceeded to hang up in my face.

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 2023-09-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Has Violated my rights. 

1. XXXX XXXX / Account Number # XXXX XXXX 2. XXXX XXXX / Account Number Account Number # XXXX XXXX  Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: MI

Complaint narrative:
the company applies my late payment to my principal balance so I am never able to get current

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. XXXX ACCOUNT NUMBER : XXXX Account is not mine please remove from my credit report XXXX. XXXX XXXX XXXX XXXX  ACCOUNT XXXX : XXXX Account is not mine please remove it from my credit report XXXX. XXXX ACCOUNT NUMBER : XXXX This account is not mine please remove from my credit report XXXX. XXXX XXXX  ACCOUNT NUMBER : XXXX This account is not mine please remove it from my credit report However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent 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 item of information, other than records of convictions of crimes, 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 arent 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 explanation
Consumer complaint received 2023-09-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
my capital one credit card was stolen twice at XXXX Gas Station in XXXX, NY one charge was for {$190.00} and the other {$200.00}. I was in XXXX XXXX, NY at that time and didnt make the charges capital one claims they cant give me credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reported fraud on my account and I notified XXXX, Equifax and XXXX and all of them closed my report without even looking into it, which is absurd. I need all 3 companies to do a full on investigation into this because it is affecting my credit. I would like to know what steps they took to investigate this fraud, how will it be prevented in the future and I will like it mailed to me as well. None of these companies proved these accounts are mine and they are reporting false fraudulent information and if not corrected, will definitely be added in a lawsuit I will be filing against them. I will also send this to the attorney general office just for a back up, cause I don't understand how a fraud case is being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reported fraud on my account and I notified XXXX, XXXX and Experian and all of them closed my report without even looking into it, which is absurd. I need all 3 companies to do a full on investigation into this because it is affecting my credit. I would like to know what steps they took to investigate this fraud, how will it be prevented in the future and I will like it mailed to me as well. None of these companies proved these accounts are mine and they are reporting false fraudulent information and if not corrected, will definitely be added in a lawsuit I will be filing against them. I will also send this to the attorney general office just for a back up, cause I don't understand how a fraud case is being ignored.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My account was in arear and I applied to the NYS Housing Assistance for help and on XXXX XXXX NYS sent a wire [ check ] to my mortgage company ShellPoint Mortgage in the amount of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ) to be applied to my account. 
I called Shell and ask for my credit to be updated and was told that would be updated on XX/XX/2023. Today I pulled my credit and was surprised to see the in accurate information that was reported to the credit bureau. It states that I am 120 days late and that my balance has been increase to {$220000.00}. As a result XXXX XXXX has closed my account.I find this deceptive because each month they report my credit to the burau but nothing like this. Why when a payment is made something like this could happen. Please I am asking you for help because I have no one advocating for me. Please see attached from the credit bureau. 
Thank you. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sezzle Inc.
State: VA

Complaint narrative:
Was advertised that it would be {$7.00} to open a Sezzle Spend Anywhere account. Meaning for {$7.00} a month, I could use Sezzle anywhere XXXX XXXX is accepted. I tried using it for an online merchant that accepts XXXX XXXX, and Sezzle declined it 2X. I asked customer support why this happened, and they did not give me an answer at all. 
It turns out, I was actually charged {$7.00} for the service, so an extra XXXX cents that was not advertised. Not only can you not Spend Anywhere, but they also falsely advertise that is was a {$7.00} subscription.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westcreek Financial
State: TX

Complaint narrative:
My information was compromised and used without my permission XXXXXXXX XXXX  Westcreek financial

Company response to consumer: Closed with explanation