vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-01-27 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: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2024-01-27 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
XX/XX/2023 my car was repossessed I paid to get the car back and when I picked up the car, the car will not start the person at the yard jumpstarted the car and I noticed when he brought the car out that the interior was damaged, everything was all over the place and trash and look like someone was trying to find something in the seats, I told them that I was going to get the car back. I was just waiting on my job to backpay me. The guy on the yard me to call the company and I can file a claim. I called the company and was directed to another part of the company, I left a message with that company and Ive tried to call again, but I was directed to another part of the company, etc. Months past still no response they told me to fill out a form and email them a picture of it, so I did, but still no response the holes that were put in the seat have grown overtime for me having to use the car to drive to my job. The only time I hear from American Credit Acceptance is when my bill is due. I reached out to the dealership XXXX to let them know that the car that they sold me was bad in the beginning and the same issue is occurring in present time, I asked the manager at a location can they buy the car back and he told me yes. I had it towed to the dealership and to finalize the decision I ran into another problem, I spent numerous of dollars trying to figure out the problem with the car, but still not fixed. I tried using XXXX to diagnose and fix the car but XXXX XXXX didnt make repairs to be needed but told XXXX that the issues didnt need to be fixed at that moment, but will be a problem later down the line so they didnt authorize them to fix. This is the second car that I got from XXXX that had issues. The first one the engine light came on the same night that I purchased it and I took it back and got my money back. I gave them another chance to give me a reliable vehicle, but they disappointed me again. Now the American Credit Acceptance dont want to respond so I can get my claim in after almost a year of trying but they want me to continue and wont put a hold on the account. And I no longer have the vehicle XXXX does

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
Reminder : XXXX The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable, the descriptions, Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund 1040 transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :

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 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime sent me a debit card in the mail. I called ( XXXX ) to dispute opening an account. This phone number was on the card and when I Googled the company online The said they confirmed my account by my phone number. The representative confirmed an open account after I provided my name. He asked for the last 4 of my SSN which I provided. I then asked for them to provide me the email address that was on the account he refused, I then asked to closed the account, he refused. 
They sent an actual card with a full account number, expiration date, and 3 digit code. They also included a direct deposit slip that could have been manipulated by someone. 
Chime cooperation is supporting or conducting identity thief. 
The following information was documented on the direct deposit slip. 
Chime is a part of XXXX XXXX  formerly known as XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX, Ok XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX XXXXXXXX Balance : {$34.00}.

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 non-monetary relief
Consumer complaint received 2024-01-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX  XXXX Balance : {$34.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
ChekSystems refuses to provide me with my consumer report despite entering all of my ID information and answering their XXXX  security questions correctly.

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 2024-01-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$2000.00} ; XXXX  XXXX Balance : {$8300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management ( heretofore MCM ) is wilfully disregarding a legal opt-out request per 15 U.S.C. 1692c ( c ). MCM acknowledge the receipt of said opt-out request in their latest letter to me dated XX/XX/2024, in which they attempt to suggest that their communication attempt is legal. This is false, as I have requested ( and my request was granted ) not to be contacted, and as such MCM can not legally notify me that they are merely considering forwarding their account to their attorney. For the avoidance of doubt : I have previously opted out of receiving communications from them, and they acknowledge this fact in the first and the last sentence of their letter. Combined, these indicate to any and all reasonable observers that they are clearly acting in a wilfully negligent manner. Specifically, this sort of communication which they sent me is strictly prohibited by the Fair Debt Collection Practices Act ( FDCPA ), specifically section 1692c ( c ). Here 's why : 1. Opt-out right : The FDCPA grants consumers the right to stop receiving communications from debt collectors. This right applies to all forms of communication, including phone calls, letters, emails, and text messages.

2. Communication after opt-out : Once a consumer has opted out, the debt collector is generally prohibited from contacting them directly. This includes any communication about the debt, even if it is intended to inform the consumer about potential legal action.

3. Exceptions : There are a few narrow exceptions to the prohibition on communication after opt-out. For example, a debt collector may still contact the consumer to : ( a ) Correct or update information about the debt ; ( b ) Offer a settlement or repayment plan ; ( c ) Inform the consumer about specific legal actions, such as filing a lawsuit or repossessing property. However, simply notifying the consumer that their account may be forwarded to an attorney does not fall within any of these exceptions.

Therefore, since they received an opt-out request from me, they should have ceased all communication with me unless it falls within one of the narrow exceptions permitted by the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF EDXXXX XXXX Balance : {$6200.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$6200.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-01-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF EDXXXX XXXX Balance : {$6200.00} DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$6200.00} DEPTEDXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
In XXXX and XXXX I had late payments to Bridgecrest credit XXXX for an auto loan I had. The reasons for the late payments were due to XXXX and me being out of work. I communicated that with the company numerous times to which they didnt seem to care. These are the ONLY negative items on my credit report! I ask that they be taken off my report seeing as they are also being reported as missed not late. The account is up to date and Ive made every payment on time for over a year. These missed payment marks on my credit report are killing me and its the only negative thing on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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:
I am writing to follow up on my previous correspondence dated [ date ], in which I formally disputed several accounts currently appearing on my credit file. In the initial dispute, I requested validation and verification of the said accounts, as they do not belong to me. 

To date, I have not received any documentation or proof validating the legitimacy of these accounts. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to receive proper verification within a reasonable time frame. It has been two months since my initial communication, and I am concerned about the lack of response. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The XXXX XXXX XXXXXXXX had to replaced four different times in 2023, due to fraudulent activity three of those times and once when one of the credit unions, Transunion, incorrectly reported one of the new accounts as fraudulently opened. I've had the fourth and final replacemement card and account since XXXX and it's now late XXXX, and the credit line of {$9800.00} has still not been added back in to my total available credit and factored into my average credit age, which would increase it about six months as it's my third oldest account that I've had for fouteen and a half years. Transunion and XXXX still are reporting transactionsnand different closing balances each month, so how could the account possibly be closed if this is happening? XXXX doesn't appear to even have the card at all on their report. The statement for the account has closed four or five times since I received the fourth and final replacement card and account number in XXXX, so it's now been in excess of 120 days, let alone 30 or 90. I've spoken to XXXX XXXX, who issues this credit card on at least two ocassions in the past month or two, and they said that they are reporting it correctly and asked the credit bureaus to correct the account status on their reports. My complaint isn't with XXXX XXXX, it's with all three of the creit bureaus for still having it as a closed status, which is wrong, especially when they also report transactions and different closong balances each month, or not having it on its report at all in the case of XXXX, when i've had the most recent replacement card and account number more than four months.

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 2024-01-27 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: NY

Complaint narrative:
The XXXX XXXX  XXXX had to replaced four different times in 2023, due to fraudulent activity three of those times and once when one of the XXXX XXXX XXXX, incorrectly reported one of the new accounts as fraudulently opened. I've had the fourth and final replacemement card and account since XXXX and it's now late XXXX, and the credit line of {$9800.00} has still not been added back in to my total available credit and factored into my average credit age, which would increase it about six months as it's my third oldest account that I've had for fouteen and a half years. XXXX and XXXX still are reporting transactionsnand different closing balances each month, so how could the account possibly be closed if this is happening? Experian doesn't appear to even have the card at all on their report. The statement for the account has closed four or five times since I received the fourth and final replacement card and account number in XXXX, so it's now been in excess of 120 days, let alone 30 or 90. I've spoken to XXXX XXXX, who issues this credit card on at least two ocassions in the past month or two, and they said that they are reporting it correctly and asked the credit bureaus to correct the account status on their reports. My complaint isn't with XXXX XXXX, it's with all three of the creit bureaus for still having it as a closed status, which is wrong, especially when they also report transactions and different closong balances each month, or not having it on its report at all in the case of Experian, when i've had the most recent replacement card and account number more than four months.

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