vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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: SC

Complaint narrative:
Equifax is falsely reporting inaccurate information from XXXX XXXX XXXX XXXX, XXXX in the amount of {$240.00} XXXX XXXX XXXX XXXX, XXXX in the amount of {$100.00} on my credit report. I've asked that this information be validated by the contract, note, or other instrument bearing my wet signature or that this item be removed XXXX Conf. # XXXX XXXX Conf. # XXXX XXXX Conf. # XXXX No information has been provided to me, nor has these items been removed. These accounts do not appear on any of my XXXX or XXXX reports and they do not belong to me! This is extremely detrimental to my overall credit rating and has caused me severe financial and emotional distress. 

According to the FCRA code 15 U.S.C 1681a2, states that I must give written permission to have these accounts furnished on my credit report. I did not give written permission to have these accounts report, as they do not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently receive my credit report and I found inaccuracies with my personal information. I found inaccurate addresses. This is hurting my creditability and my ability to obtain credit and buying a house. 


The following address are incorrect XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The only address that is accurate is XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I attached my utility bills and ID to correspond to my correct address.

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 2024-04-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I disputed a charge last XXXX because the Merchant that my company hired & failed to provide the services promised in the contract. The Chase dispute department asked me for proof that the Merchant did not deliver what was in the contract. I provided the proof including the Merchant 's email confirming a promised refund check because they admitted they failed ( which we never received ). Chase said they reviewed the contract and decided that credit was not to be given because I signed the contract and based on software login the Merchant provided. I explained that of course I signed the contract and paid the payment of {$1800.00} however the Merchant failed to deliver the services and the Software login was never part of the transaction in dispute. In XXXX I was told to reopen and was asked to send them a letter stating the fact which I did. They still rejected it. I called them in again and they mentioned that screenshots were not properly cropped and I should resend them. The screenshots were properly cropped but I submitted them again. The next time I was told that the screenshots showing the Merchants valid work email was invalid and that I should get a letterhead from the Merchant. The next time I called, the emails were okay but because the department mistakenly put it in a category that it wasn't supposed to be in, Chase would try to solve it within itself ( without involving the Merchant ). Accordingly I was told to fill out a form and send it to them which I did ( pls see attached/provided ). Finally on XX/XX/XXXX, I was told the time has elapsed and no credit will be given and that my case was closed. Chase didn't review evidence provided properly, never questioned the Merchant to provide that services were provided or why they include a transaction that was not part of our contract, Chase mistakenly put my case in the wrong category and blamed me for the elapsed time that it caused. They even admitted ( on XX/XX/24 ) over the phone that the employee who put my case in the wrong category was fired. I am asking Chase to be held accountable for its employees failures

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I purchased a truck in 2023. The price before the extended warranty was XXXX. However when I saw the total price in the contract was XXXX. The warranty costed XXXX. Last XXXX my truck had to repair and I did use the warranty.

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 2024-04-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate addresses and incorrect account balances that are currently appearing on my credit report maintained by your agency. Upon reviewing my credit report, I have identified several discrepancies that require immediate attention and resolution. 

These inaccuracies are not only misleading but also potentially harmful to my creditworthiness and financial reputation. I have identified charge-off accounts with incorrect balances listed on my credit report. These inaccuracies are significant as they misrepresent my credit history and financial standing to potential lenders and creditors. I dispute the accuracy of these balances and request a thorough investigation to rectify this error promptly. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information on my credit report, and it is your responsibility as a credit reporting agency to ensure the integrity and accuracy of the information you maintain. Failure to address these inaccuracies in a timely manner may result in legal action. With this, I am asking for your assistance to remove these charge off accounts and inaccurate addresses in my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00}.

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 2024-04-05 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. 

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 an 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 adverse items of information, other than records od 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 2024-04-05 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: FL

Complaint narrative:
reviewed my consumer repons and notced wall nad XXXX lale payments on an accoun that i was never late for. The consumer reporting agencies have assumed a vital role ano have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached

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 2024-04-05 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: FL

Complaint narrative:
reviewed my consumer repons and notced wall nad XXXX lale payments on an accoun that i was never late for. The consumer reporting agencies have assumed a vital role ano have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: IL

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-04-05 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: NY

Complaint narrative:
Instances of lateness on my account are rare, as I have a track record of being a responsible and timely payer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-04-05 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: NY

Complaint narrative:
I don't know how many letters have I sent your bureau to inform you I was a victim of identity theft because my concerns have not been totally resolved yet. Here I am again, disputing the fraudulent information that are damaging my file. Despite sending you the required FTC complaint, your bureau is still reporting the fraudulent accounts on my credit report. Let me tell you that I have contact the banks associated with these accounts, submitted to them the required documents and immediately deleted the accounts on their records. Additionally, other credit bureaus have already removed the accounts from their records following the submission of the the FTC. So now, I am Inquisitive of what kind of verification method your bureau did to continue reporting those fraudulent accounts. The accounts I want to removed are as follows : 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 2024-04-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXX/XX/XXXX XXXX NC XXXX XXXX XXXXXX/XX/XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$2000.00} XX/XX/XXXXXXXX Balance : {$580.00} XX/XX/XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00}XX/XX/XXXX XXXX Balance : {$430.00} XX/XX/XXXX XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXXXX/XX/XXXX ) XXXX Balance : {$1400.00} XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXXXXXX ) XXXX Balance : {$710.00} XX/XX/XXXX XX/XX/XXXX ( Original Creditor : XX/XX/XXXX XX/XX/XXXX ) XX/XX/XXXXBalance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXXXX/XX/XXXX) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX ) XXXX Balance : {$450.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/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 2024-04-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled 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 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 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 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 XXXXXX/XX/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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-04-05 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: LA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
BRIDGECREST ACCEPTANCE TOOK ME INTO A PROCESS CALLED " REBUILD '' THREE TIMES SINCE I ACQUIRED MY XXXX XXXX XXXX IN A TRADE IN XX/XX/XXXX. SINCE THEN, MY CAR 'S ACCOUNT NUMBER CHANGED/ WAS CHANGED 3 TIMES. AND IN THE PROCESS THEY FAILED TO REPORT MY PAYMENTS TO XXXX AND XXXX PARTICULARLY. THEIR FAILURE TO REPORT THOSE PAYMENTS CONSISTENTLY IN THE LAST 2 YEARS, HAS MESSED WITH MY CREDIT-WHERE IT WOULD HAVE HELPED INCREASED MY SCORE, FOR INSTANCE, IT DID NOT. MY CREDIT TOOK A TOLL. 

IVE BEEN PAYING {$480.00} FOR TWO YEARS. I MISSED OR WAS LATE WITH BUT ONE PAYMENT. 

PLEASE CONVINCE THIS COMPANY TO MEET THEIR OBLIGATION TO REPORT TO THE BUREAUS EFFECTIVELY. AND ALSO DISSUADE THEM FROM PRACTICES SUCH AS THOSE REBUILDS THEY HAVE INCONVENIENCED ME MAJORLY WITH ( 3 TIMES - XXXX # ACCOUNT NUMBERS, AND TWO COLLECTION CALLS AT ONE POINT, FOR 2 DIFFERENT ACCOUNTS FOR THE SAME PERSON ( ME ). 

THANK YOU

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