vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2024-12-17 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy listed on my credit report. I have a court-issued letter that clearly confirms this bankruptcy should not have been reported to your agency. Despite this official documentation, the bankruptcy remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified information.

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 2024-12-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Ive gotten a loan with XXXX  and gotten a used XXXX XXXX XXXXXXXX. I bought the car XX/XX/year>. When I got it, it only had XXXX miles on it so basically it was still brand new. XXXX uses a loan company called Bridgecrest. Now I didnt look up any information but I wish I did. There are so many complaints, cases and they have even been sued once before. Ive been paying on this loan for over a year and my monthly payment is {$1000.00}. Ive been paying that for over a year now, XXXX months exactly. Ive have paid almost {$18000.00} on this loan with my payment being so high. The problem is my loan is still the exact balance from when I first bought the car. The balance hasnt moved XXXX bit which means basically Im tied to this car for life. Bridgecrest has been sued already for shady practices but I didnt know at the time until I started realizing my balance wasnt moving with me paying on time and the correct amount at that. Also now my account isnt found. I went to go make a payment and my account isnt found.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-12-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2024-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-12-17 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account # XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), the reported discrepancies remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Inaccuracy : High Balance : {$220.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Creditor Remarks : Account has been closed due to inactivity Evidence of Discrepancy : The reported late payments for XXXX and XX/XX/XXXX are inaccurate. Other bureaus and my own records indicate no late payments during these months. 
Legal Violations : FCRA Violations : Failure to maintain accurate consumer information ( 15 U.S. Code 1681i ).

Failure to ensure proper notification of payment requirements ( 15 U.S. Code 1666b ).

TILA Violations : The Truth in Lending Act mandates accurate reporting to protect consumers creditworthiness. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
I urge Experian to address this matter promptly. Should the issue persist, I will escalate my complaint to relevant regulatory agencies, including the CFPB. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CADENCE BANK
State: AL

Complaint narrative:
We do not keep cash in the bank. 
My husband had to go to the doctor so used our bank account to pay. 
We had a cell bill go through so he put money in the same day as the bill came through. 
The money was in cash. 
It reflected same day, XX/XX/year>. 
The bank is refusing to reverse an OD fee. 
If we put money in same day why are they charging us a ridiculous amount of money as an overdraft. 
They said because Saturday is not a banking day, and also that it has to " process '' through but it did show on the attached it was put in on the SAME DAY. 
This is all electronic, and real time. 
Its criminal activity to do this to people. 
The person on chat, also attached, literally said it has to be same day. 
It was! 
Shady policies being done here by this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: AL

Complaint narrative:
I do not know of this debt nor this company. They have been contacting my multiple time through email. 15 U.S. Code 1629g.This collection agency bought whatever debt this is for a XXXX on a dollar. This company has no agreement from me. This company has no signature of mines. This is a formal complaint. Validations requested ; Original Contract with my signature that I actually signed for this debt. I want a payment history that I have done with this company. I want the name and the address, and proof that you own this debt ( Purchase Agreement ). 15U.S Code 1629C Cease & Desist. Also, this is in violation of 18 USC 894 " XXXX '' -Collection of extensions of credit by extortionate means- 18 U.S. Code 894 - Collection of extensions of credit by extortionate means U.S. Code Notes ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. ( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the non repayment thereof was punished by extortionate means. ( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. US DEPT ED - XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: WV

Complaint narrative:
According to XXXX, there is an " at fault '' claim on my report for an accident on XX/XX/year> that did not occur. My current auto insurance has the correct information. This was a comprehensive claim for a windshield repair. I am having difficulty getting cheaper auto insurance due to this incorrect information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. 

15 USC 1692C states " If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: OH

Complaint narrative:
I am writing to you as the holder of credit card account number XXXX XXXX  Account # : XXXX  to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX Account # : XXXXXXXX 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