vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: LA

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, 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 non-monetary relief
Consumer complaint received 2024-08-16 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I took out a XXXX for a {$100.00} XX/XX/XXXX gift card ( XXXX installment agreement of $ XXXX ). The XXXXXX/XX/XXXXis XX/XX/XXXX. My card was successfully charged {$25.00} on XX/XX/XXXX, with the XXXX of XXXX payments being next due on XX/XX/26. I never received the gift card, nor did I ever receive any email confirmation of the purchase. Customer support was not helpful in resolving my case, and XXXX days later, I'm still without the gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am reporting BRIDGECREST ACCEPTANCE CORPORATION ( sponsor ) and BRIDGECRESTXX/XX/XXXXXXXX XXXX XXXX ( depositor ), XXXX XXXX ( XXXX ), for securities fraud, money laundering and interference of commerce. I tended in the endorsed contract as payment of the loan obligation ( negotiable instrument ) per XXXX cfr XXXX ( a ) - XXXX ( a ) which BRIDGECREST dishonored. 
Per XXXX XXXX This should result in an automatic discharge of this debt obligation. After reviewing the car contract I have come to realize the agreement was between BRIDGECREST and XXXX per XXXX CFR XXXX. Also per XXXX CFR XXXX, Regulation Z and the Truth in Lending Act The finance charge of {$21000.00} was supposed to be paid to me and BRIDGECREST never did. 

Per their indenture agreement with XXXX XXXX XXXX ( Indenture Trustee ), BRIDGECREST is supposed to be paying me back the principal amount plus interest of the loan as they securitized my contract and applications. They are trading my securities on the primary and secondary treasury markets without compensating me. Per your SEC filings, Rule XXXX, XXXX XXXX BRIDGECREST have no recourse liability for credit losses on retail installment contracts arranged and held by third-party providers but use third-party providers for your approval process. This is language and securities fraud! 
BRIDGECREST, with the help of their indenture trustee XXXX XXXX XXXX and trustee ( XXXX XXXX XXXX XXXX XXXX ) have been transferring and trading my car/loan contract. 
They can no longer have the right demand any further payments from me as they have been a break in the chain of the title which was transferred to their Trust ( BRIDGECREST XX/XX/XXXX 
They can not transfer the title as holder in due course. The contract is hence void. 

Down payment : XXXX ( the credit arranger for this transaction ) made me pay a down payment of {$2900.00} for this retail installment contract. Per the Truth in Lending Act a down payment is the sum of all charges. 
So I owe NOTHING on this loan. 


I have suffered emotional distress and economic hardship as a result of negative credit reporting on my credit by BRIDGECREST. 
I have made lawful changes to contract and subsequently revoked the power of attorney and security interest BRIDGECREST had over me yet they are still threatening to reposes my truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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 2024-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have tried to arrange payment arrangements with Navient and when I explained to them I would not be able to pay the amount they are asking. They then the representative follow up with well what can you pay, I give them the amount and they tell me thats not good enough and that I have to pay the amount originally given and that they dont have any other option. Navient has advised that I ask the consigner for help and Ive expressed to them for that he has passed away. Therefore I asked for a misconduct discharge form being misled and they denied me the form. State I do not qualify when I feel like I do qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC.
State: AR

Complaint narrative:
So this is the third time dealing with these people... I do not know these people. They have not provided me with an original contract signed by me. They have not provided any proof proving this said debt is mine. This keeps getting deleted then re-reported by these people basically harassing me now. Put on my credit report that the person can not be found, yet placing it on my credit for a person who can not be found. I mean stating a person can not be found and I have been communicating with these people, it's not rocket science. If this happens again my attorney will be involved... tre kitchens will be contacting them next time this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is my second complaint about Wells Fargo and a credit card that is being reported to my credit report. Ive explained to everyone involved that this is not my account that it was open due to identity theft its related to a company that I dont own and never have and you guys just completed a review and a complaint, excepted the response from Wells Fargo didnt bother to pay attention to it. The CFPB took a response from Wells Fargo and close my case, as opposed to forcing them to remove it from my credit, which is what supposed to happen the information that Wells Fargo sent back to the CFPB isnt even about me about An individual named XXXX XXXX XXXX Who lives at XXXX XXXX XXXX. in XXXXXX/XX/XXXXXXXX Theyve sent me this persons account profile along with statement and everything else showing everything that the person has paid and purchased and his address and the account number and Social Security number. Im not sure that this is a major violation on Wells Fargos behalf. I wonder if I should contact this person and let him know that his information has been breached.

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 2024-08-16 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: Self Financial Inc.
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: 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. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 explanation
Consumer complaint received 2024-08-16 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: MI

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. 

Account Name : XXXX XXXX  Account Number XXXX XXXX XXXX XXXXXXXX and 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 2024-08-16 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: MI

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. 

Account Name : XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX and 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 2024-08-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have been told on numerous occasions from BARCLAYS BANK DELAWARE that my credit card account XXXX was sent over too all three credit agencies XXXX XXXX XXXX XXXX and XXXX to report my credit card account. I only see my credit card account reports to only XXXX. And doesnt report too the other two credit bureaus.

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 2024-08-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: NC

Complaint narrative:
Unauthorized inquiries. Ive recently checked my credit report and notice some inaccurate accounts reporting. An amount of {$2700.00} from XX/XX/year>. I have tried disputing this several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: MI

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. 

Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX and 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Im trying to log in to the TransUnion website to put a freeze on my credit account. After struggling to create an account and dealing with many errors in their system, the login now doesnt recognize my password. When I click on the forgot my password option and enter my information, their system says that my SSN and last name do not match. Neither have ever changed throughout my life, and I can see I have entered them correctly. There are no alternative ways to recover or reset a password or get into the account. 

After looking for a way to contact the company, I found a bunch of comments on various sites that track whether websites are experiencing an outage or issues, dating back years, with users describing the same issues I am having. People have even called to get this issue fixed and the operators can provide no help with the site. TransUnion needs to get their site fixed. Particularly with the recent SSN hacks.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my second complaint about XXXX XXXX and a credit card that is being reported to my credit report. Ive explained to everyone involved that this is not my account that it was open due to identity theft its related to a company that I dont own and never have and you guys just completed a review and a complaint, excepted the response from XXXX XXXX didnt bother to pay attention to it. The CFPB took a response from XXXX XXXX and close my case, as opposed to forcing them to remove it from my credit, which is what supposed to happen the information that XXXX XXXX sent back to the CFPB isnt even about me about An individual named XXXX XXXX XXXX Who lives at XXXX XXXX XXXX. in XXXX, GA XXXX Theyve sent me this persons account profile along with statement and everything else showing everything that the person has paid and purchased and his address and the account number and Social Security number. Im not sure that this is a major violation on XXXX XXXX behalf. I wonder if I should contact this person and let him know that his information has been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: CA

Complaint narrative:
This is my second complaint about XXXX XXXX and a credit card that is being reported to my credit report. Ive explained to everyone involved that this is not my account that it was open due to identity theft its related to a company that I dont own and never have and you guys just completed a review and a complaint, excepted the response from XXXX XXXX didnt bother to pay attention to it. The CFPB took a response from XXXX XXXX and close my case, as opposed to forcing them to remove it from my credit, which is what supposed to happen the information that XXXX XXXX sent back to the CFPB isnt even about me about An individual named XXXX XXXX XXXX Who lives at XXXX XXXX XXXX. in XXXX, GA XXXX Theyve sent me this persons account profile along with statement and everything else showing everything that the person has paid and purchased and his address and the account number and Social Security number. Im not sure that this is a major violation on XXXX XXXX behalf. I wonder if I should contact this person and let him know that his information has been breached.

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 2024-08-16 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: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
After reviewing my consumer reports I noticed that Southwest Credit Systems is unlawfully furnishing nonpublic personal information on my consumer reports and nonpublic information that is not accurate. In the report it states that I owe Southwest Credit Systems {$170.00} But I never done business nor have a contract with Southwest Credit Systems to owe this alleged debt. Furthermore, pursuant to the Fair Credit Reporting Act 15USC1681B which outlines permissible purpose in obtaining consumer reports, Southwest Credit Systems did not obtain my written consent to furnish any non public perosnal information on my consumer report nor provided me an option to opt out. This also violates the Privacy act of 1974 which mandates the protection of individuals personal information held by federal agencies and other organizations. By unlawfully reporting nonpublic personal information without my consent, Southwest Credit Systems has infruigued my privacy rights,. Also will like to state that Southwest Credit Systems has committed identity theft by mishandling my social security number, which is a serious violation of my privacy and security.

Company response to consumer: Closed with non-monetary relief