vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: LEXISNEXIS
State: PA

Complaint narrative:
On XX/XX/XXXX of 2024, I contacted LexisNexis, contesting the inclusion of an erroneous bankruptcy on my credit report. I was asking the agencies the method of their investigation. I received no response. According to XXXX XXXX XXXX XXXX ( XXXX ) " mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information. 

According to XXXX XXXX Code XXXX ( a ) ( XXXX ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' This also is an infringement upon my right to privacy. Also, according to XXXX XXXX XXXX XXXX ( a ) ( XXXX ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account is in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my BRIDGECREST XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation.

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 2024-05-21 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:
Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account is in violation.

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 2024-05-21 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: AZ

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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 2024-05-21 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: TX

Complaint narrative:
I am writing to request the removal of an account from my report that does not belong to me. I am a victim of identity theft, and this account was fraudulently opened in my name.

Please investigate this matter and remove the incorrect account from my report to restore its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
On XX/XX/2024 I purchased a stove online from fridgidare.com. the price of the stove was XXXX, after taxes XXXX. I entered into a lease to own with 90 day same as cash with a {$50.00} mark up. However I noticed that Acima leasing has made it seem as if the stove was XXXX and then started to charge an additional tax based on that price. All together not onky was a {$50.00} mark up charge applied but an addition {$25.00} 90 day buyout fee on top of an additional XXXX percent in taxes. I've called repeatedly and was asked to forward a copy of the invoice that shows the taxes were already paid and I did. My end results was acima telling me that they will Not refund the money. I was told that I should ha XXXX went into a store for the purchase then the XXXX taxes would not have been applied. I then researched my other XXXX leases and found d that to be the same thing on those as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 I don't recognize any of them since I suffered abuse by these companies to request my credit report without my consent

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 2024-05-21 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: TX

Complaint narrative:
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 I don't recognize any of them since I suffered abuse by these companies to request my credit report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I called Mohela and requested a refund for some payments made last year after receiving notice that I had that option due to not being notified of my upcoming payments in time. I was told the refund request was submitted when I spoke to the Rep on XX/XX/year> and that it would take up to 60 days to receive my refund. During the 60 day period I called again to confirm how the refund would be issued to ensure it was to my bank account as opposed to my card that was no longer active. After 60+ days had passed I called back ( XX/XX/year> ) to check on the status of my refund and was told that the request needed to be resubmitted since it was made before the platform transfer and she hung up in the middle of the call while I was confirming what the refund amount should be ( {$150.00} for each month for a total of {$470.00} ) and she never called me back like she said she would if we got disconnected. I called back a few minutes later and spoke to a new man who said he couldn't put me back in contact with her but could take over from there based on the notes in my account. He then said that it showed my refund was in progress but it would actually take 90 days not 60. I called back again after 90 days had passed ( XX/XX/year> ) and was told by a different rep that the refund had to be requested again because the initial request was made before the transfer so it was denied and that it would take another 90 days for my refund to be issued. Every time I call I am put on hold at least 5 times while they " look into it '', " reach out to their supervisor for help '', " waiting for their supervisor to respond '', " oh, still waiting on a response from my supervisor '', " okay my supervisor is responding can I put you on a brief hold again? '' Every single time I call it's the same experience and when I asked for a case number to reference when I have to call back in the future they claimed they can't provide a case number, but they have updated the notes so that someone else can help from there next time. Terrible customer service " assistance ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Levy & Associates, LLC
State: CA

Complaint narrative:
There is a debt from XXXX XXXX  they claim that {$16000.00}. I have spoken to XXXX XXXX  and to the lawfirm currently in charge of collecting it. I have not been formally served, but have looked at the court docket and noticed that there is a lawsuit filed on XX/XX/XXXX. When I found this out I was a bit surprised because this debt is very old. In fact, I called XXXX XXXX  to confirm the date of last payment, which XXXX XXXX  told me it was XX/XX/XXXX. This makes this a time-barred debt since the lawsuit was filed four months too late. According to the CA Code of Civil Procedure 337, there is a XXXX year limit for filing a lawsuit to collect a debt based on a written agreement. This clock started on XX/XX/XXXX, which is the final payment that was made that preceded the delinquency that led to the charge off, or four years form the date the contract was broken. 

I have advised XXXX XXXX  about this, and also advised the lawfirm LEVY and Associates about this, but they seem to have a total disregard of the law and are seeking to force me to file an answer on a debt I have not even been served on. I have been keeping an eye on the court docket and they claim they served me somehow, but I have not been formally served.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: MD

Complaint narrative:
On XX/XX/2024 a collection as added to Experian Credit profile from XXXX XXXX XXXX. I sent a certified letter to XXXX to validate this date. On my credit report it stated that it was for XXXX XXXX. I never had a contract or agreement with XXXX XXXX. I requested that it should be proven or removed withing 15 days. There was no response. 

The collection account from [ XXXX XXXX XXXX ] appearing on my Experian credit report is inaccurate and not associated with any debt that I owe. Specifically 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.

Improper Use of Credit Report : I believe that [ XXXX XXXX XXXX ] has accessed and used my credit report without a permissible purpose. This unauthorized access is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Impact on Credit Report : This erroneous collection account is severely affecting my credit score and financial reputation. It may result in denied credit applications and less favorable financial terms I request that the CFPB investigate this matter and take appropriate action to : Have the incorrect collection account removed from my Experian credit report. 
Ensure that [ XXXX XXXX XXXX ] ceases all collection activities related to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MI

Complaint narrative:
I deposited a check by mobile deposit on XX/XX/2024. The check cleared and was deposited to my account the same day. On XX/XX/2024 the funds were reversed out of my account and Chime informed me that the issuing bank refused to honor the check. That same day I reached out to the issuing company and they informed me that the funds WERE removed from their account and as of today XX/XX/2024 the funds still have not been returned to them. They are unable to issue me a new payment until those funds have been returned. Chime also removed the ability for me to mobile deposit checks in the future even though this was not my fault and out of my control. I have reached out by chat, email, DM via XXXX, and still have not been told why the funds were actually taken out of my account. Chime will not provide me with information on where the funds actually are or with the trace ID so the issuing company can track the funds themselves. The issuing bank is willing to investigate and determine where the funds are only if Chime is able to provide documentation that the funds were returned and provide the trace ID for the returned check. Chime essentially stole {$550.00} from me and is refusing to return it or assist me with getting this issue corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: TN

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate and Unverifiable Tradeline To Whom It May Concern, I am writing to formally dispute an inaccurate and unverifiable tradeline appearing on my credit report for the third and final time before i file a lawsuit. The tradeline in question pertains to an account with XXXX XXXX XXXX XXXX, # XXXX, an entity with which I have never had any business relationship. This inclusion is a blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 18 U.S.C. 1028 ( a ), which prohibits the inclusion of unverifiable information and information obtained through identity theft on consumer reports. 

I have no knowledge of how XXXX XXXX XXXX XXXX obtained my personal information. The presence of this inaccurate information on my credit report is severely damaging my ability to obtain credit and other financial products and services.

Under the FCRA, I demand that you conduct an immediate investigation into this matter and remove the inaccurate tradeline from my credit report. Additionally, I request that you provide me with documentation verifying the information from XXXX XXXX XXXX XXXX within 15 days of this letter. Because i have requested this information on numerous occasions while disputing. If you are unable to verify the accuracy of this information, you are required to remove it from my report.

I have previously requested verification from XXXX XXXX XXXX XXXX, and they only provided copies of bills. I specifically requested the original application and the original address listed at the time of application, original signature, original identification, but these requests were not fulfilled. I am a victim of identity theft and have provided the necessary documentation to all four consumer reporting agencies from XXXX XXXX XXXX. Despite my numerous disputes, this account remains on my report.

I demand that this account be removed within 15 days of this letter. Failure to do so will result in my seeking punitive damages for the continued violations stemming from this erroneous tradeline on my consumer report. 

Sincerely, 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 2024-05-21 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: NY

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding their handling of a dispute I filed concerning inaccuracies on my credit report. Despite providing comprehensive evidence to support my claim, XXXX has failed to conduct a proper investigation and rectify the errors in my credit file.I 'm not satisfied with the results of my investigation. I would like to know exactly how you went about investigating the accounts that I questioned. Please furnish the names of the individuals who stated that the information was verified along with any supporting documentation received to justify the accounts still reporting on my credit report. Again here are the accounts in question below. 

XXXX XXXX : Account number : XXXX, I have never had any business relationship with this company. Therefore, it's impossible for this account to belong to me. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, I have no recollection of authorizing this credit pull. I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX XXXX : Account number : XXXX, I have no recollection of authorizing this credit pull. I want it removed from my credit report IMMEDIATELY!

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 2024-05-21 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: LA

Complaint narrative:
I was told that I only had XXXX choices, a loan modification, pay arrearage over XXXX dollars or foreclosure. Feeling extremely pressured, after my XXXX passing away last XXXX, I opted for a loan modification After the loan modification I became current I made my payment on XX/XX/year> and I became current the following day XX/XX/XXXX I was reported to the credit bureau as delinquent XXXX days, then reported delinquent XXXX  days again on XX/XX/year> i contacted XXXX XXXX several times via phone email and fax to no avail I was totally ignored ( Then once via phone I was told that the reporting was for the previous month ) Reporting a delinquency later than when it occurred can indeed violate the Fair Credit Reporting Act ( FCRA ). 
The Fair Credit Reporting Act ( FCRA ) is a federal law that governs how consumer credit information is collected, reported, and used. It provides certain rights to consumers regarding their credit reports and ensures accuracy and fairness in credit reporting. Here are some key points related to reporting mortgage delinquencies under the FCRA : Timeliness of XXXX : Creditors and lenders are required to report accurate and timely information to credit reporting agencies ( CRAs ). 
If a mortgage delinquency occurs, it should be reported promptly to the CRAs. Delays in reporting could violate the FCRA. 
Shellpoint is not taking any steps to remove this inaccuracy from my credit reports. 
they are taking no responsibility for their actions what so ever! 
this is causing much emotionaXXXX 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