vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit report and identifying information has been accessed and used without my prior consent. It is considered identity theft and criminal activity under federal law.

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 2024-01-12 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: OH

Complaint narrative:
My credit report is showing a late payment for XX/XX/2023. I was never late. I have already notified XXXX XXXX to remove the late payment information from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: OH

Complaint narrative:
My credit report is showing a late payment for XX/XX/2023. I was never late. I have already notified XXXX XXXX to remove the late payment information from my account.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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.

has violated my rights. Or a 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 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 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please review the attached documents. I request the bureau to commence an investigation into these accounts, as I am consistently on time, yet they are inaccurately marked as late.

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 2024-01-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
My name is XXXX XXXX, I have an issue and I need assistance. I purchased a car from XXXX in XXXX of XXXX and they failed to disclosed to me the car was apart of a nation wide class action lawsuit. They lied and told me the car had no recalls. And they car started to mess up ( XXXX ). I was told they wouldnt fix it. The car stop in traffic three times, the clutch switch gears. The car then decided it wants to over heat and almost catch fire. Its a XXXX XXXX XXXX. I contacted XXXX XXXX and XXXX and offered to fix the car, I then had it repaired the car started doing the exact thing XXXX miles later and is not drivable. Then upon looking at the documents that was provided to me when the car was dropped off, my signature was digital forged, no knowing it can accept however, avoided under certain circumstances. The only documents I signed was the release of the car upon delivery. I started an out of court process settlement it begins in a two weeks ; me vs XXXX XXXX XXXX. I am facing a lot of financial difficulties because the car isnt working. I than tried to take it back to XXXX for service they denied towing when there website offers it for free and than was told they cant service the car til XX/XX/XXXX, if I can get it to the dealership.

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 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Fresh Holdings Inc
State: TN

Complaint narrative:
This company lied about filing a 1099c form on the account for forgiveness then sold the debt to a debt buyer.So I sent a letter to the company to file it on my taxes because the IRS STATED THAT I NEED IT. So they decided to message me privately to keep the CFPB out of the laws that they are breaking I have proof down below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I discovered identity theft on my credit report ; XXXX, Equifax, and XXXX shared my info without consent, violating 15 U.S.C. 1681. The Fair Credit Reporting Act ( FCRA ) protects consumer rights, breached in my case. I kindly ask that you urgently remove inaccuracies per Section 612 in 15 U.S. Code 1681 and send a no-cost updated report to my address. I have included my identity theft report ( which details each listing in dispute ), my social security card, IDs ( drivers license and passport ), and statement- as requested to prove my identity to validate my claims and requests. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Under federal law, Consumer Reporting Agencies CAN NOT report income. These companies have willfully violated the Fair Credit Reporting Act and I have proof. I have attached a copy of the 1099-C that was filed for the following 3 accounts. 

[ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX  XXXX Account Number : XXXX ] [ XXXX XXXX  Account Number : XXXX ] I demand that these agencies do what is right and delete these accounts from my reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
My signatureXXXX. I never legally signed the Retail Installment Contract and Security Agreement of XXXX and Retail Purchase Agreement if XXXX. Its a digital signature that they provide when they dropped off the car. I know that Esign and UETA acts there are for major requirements for an electronic signature to be recognized as legal under U.S. law. And that is the Intent to sign, consent to do business electronically, clear signature associations and record retention. This is for the State of South Carolina. BridgeCrest and XXXX has violated so many of my rights without a proper remedy. My Consumer Fair Rights, Dealership Act of SC and My Right to Rescind and Regulation of Manufacturers, Distributors, and Dealers and Motor Vehicle Dealers Trade Regulation Rule.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Subject : Request for Deletion of Late Payments and Correction of Reported Balance - Account Number XXXX Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to bring to your attention discrepancies related to my XXXX XXXX account with the account number XXXX. The occurrences in question occurred in XX/XX/XXXX and XX/XX/XXXX, impacting all three major credit profiles- XXXX, XXXX, and TransUnion. 

In adherence to pertinent federal laws and regulations, I am seeking the removal of late payments and correction of reported balance based on the following provisions : 15 U.S. Code 1681a - Definitions : This section emphasizes the importance of accurate and fair information reporting to credit bureaus. 

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Outlining permissible purposes for accessing consumer reports, stressing the necessity of accurate and up-to-date information. 

Privacy Act of 1974 ( 5 U.S. Code 552a ) : This Act ensures the proper handling of personal information by federal agencies, promoting transparency and fairness in data usage. 

15 USC 6802 ( b ) ( c ) - Protection of Nonpublic Personal Information : Establishing safeguards for the protection of nonpublic personal information, underscoring the significance of privacy and security in financial transactions. 

12 CFR 1016.7 - Accuracy of Information Furnished to Consumer Reporting Agencies : This regulation sets forth requirements for the accuracy and integrity of information provided to consumer reporting agencies. 

15 U.S. Code 1666b - Timing of Payments : This section highlights the timing of payments, reinforcing the need for accurate reporting in relation to payment schedules. 

Furthermore, I have identified a balance inaccuracy being reported as {$19000.00}, whereas the correct balance of this account is {$18000.00}. I kindly request that this discrepancy be rectified promptly to ensure the accuracy of my credit information. 

Enclosed with this letter, you will find supporting documentation, including proof of timely payments during the specified months and evidence of the correct account balance. I appreciate your thorough investigation into these matters and request that you keep me informed of the outcomes. 

Thank you for your attention and assistance in resolving these issues.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Request for Deletion of Late Payments and Correction of Reported Balance - Account Number XXXX Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to bring to your attention discrepancies related to my XXXX XXXX account with the account number XXXX. The occurrences in question occurred in XX/XX/XXXX and XX/XX/XXXX, impacting all three major credit profiles- XXXX, EQUIFAX, and XXXX. 

In adherence to pertinent federal laws and regulations, I am seeking the removal of late payments and correction of reported balance based on the following provisions : 15 U.S. Code 1681a - Definitions : This section emphasizes the importance of accurate and fair information reporting to credit bureaus. 

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Outlining permissible purposes for accessing consumer reports, stressing the necessity of accurate and up-to-date information. 

Privacy Act of 1974 ( 5 U.S. Code 552a ) : This Act ensures the proper handling of personal information by federal agencies, promoting transparency and fairness in data usage.

15 USC 6802 ( b ) ( c ) - Protection of Nonpublic Personal Information : Establishing safeguards for the protection of nonpublic personal information, underscoring the significance of privacy and security in financial transactions. 

12 CFR 1016.7 - Accuracy of Information Furnished to Consumer Reporting Agencies : This regulation sets forth requirements for the accuracy and integrity of information provided to consumer reporting agencies.

15 U.S. Code 1666b - Timing of Payments : This section highlights the timing of payments, reinforcing the need for accurate reporting in relation to payment schedules. 

Furthermore, I have identified a balance inaccuracy being reported as {$19000.00}, whereas the correct balance of this account is {$18000.00}. I kindly request that this discrepancy be rectified promptly to ensure the accuracy of my credit information. 

Enclosed with this letter, you will find supporting documentation, including proof of timely payments during the specified months and evidence of the correct account balance. I appreciate your thorough investigation into these matters and request that you keep me informed of the outcomes. 

Thank you for your attention and assistance in resolving these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: 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.

has violated my rights. Or a 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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. Or a 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 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 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: NM

Complaint narrative:
Dear Sir/Madam, I had to choose wrong amount because ont he form it doesn't have a section for re-aging. 

I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a collection account that has been inaccurately re-aged and reported on my credit report. This deceptive practice is causing damage to my creditworthiness and financial stability, and I believe it is imperative that the CFPB investigates and rectifies this situation. 

The collection account in question pertains to XXXX XXXX XXXX XXXX XXXX XXXXXXXX but is now in collection with Central Portfolio Control. Central Portfolio Control has inaccurately reported the date of the account as XX/XX/XXXX when the account with XXXX XXXX was back in XXXX and I believe that this collection account has been re-aged improperly, extending the reporting period beyond the legally allowable time frame. This not only violates my rights as a consumer but also presents a clear case of deceptive and unfair collection practices. 

I would like to provide some details about the situation : The original debt was incurred XX/XX/XXXX, and it should be removed from my credit report after seven years, as per the Fair Credit Reporting Act ( FCRA ) regulations. 

However, I have recently noticed that Central Portfolio Control has updated the date of last activity on this account, making it appear as if the debt is more recent than it actually is. This re-aging has led to a prolonged negative impact on my credit score, making it difficult for me to access credit or obtain favorable terms on loans. 

I have directly disputing the accuracy of the information they have reported to the credit bureaus. Unfortunately, they have been uncooperative in addressing my concerns. 

Given the above circumstances, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Central Portfolio Control and XXXX  XXXX for engaging in deceptive and unfair collection practices. I also request that the CFPB intervene to have this inaccurate and re-aged collection account removed from my credit report, as it is unjustly harming my financial standing. 

I understand the importance of the CFPB 's role in protecting consumers from unfair financial practices, and I trust that you will take this complaint seriously and act swiftly to rectify the situation. Please keep me updated on the progress of the investigation and any actions taken to resolve this matter. 

Thank you for your attention to this issue. I look forward to a prompt resolution and the restoration of my accurate credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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. Or a 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 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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX Account # XXXX Shall delete this account from My consumer report immediately this is holding me up from buying a house for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
unauthorized inquiry on report 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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report and identifying information has been accessed and used without my prior consent. It is considered identity theft and criminal activity under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit report and identifying information has been accessed and used without my prior consent. It is considered identity theft and criminal activity under federal law.

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