vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I ended up purchasing a car from a not so reputable dealership out of desperation to have a safe vehicle for my family. Little did I know I was signing into terms, that were not accurately provided to me and had additional hidden fees. Fast forward a few months I had XXXX unfortunate back to back situations that caused me to be late on my payments. As a responsible consumer I reached out to notify them of my situation to see if there was any assistance they could provide. Initially I asked if the payment could be moved to the back of the loan because typically thats what auto loans usually do. I was advised the company doesnt do that and all they could do is break the payments up. I spoke several times to someone, who then assured me my account was in good standing, but then I just received a letter stating if Im ever late again they will repossess the car without notice. I dont know what type of practice that is but this has been one of the worst financial decisions Ive made, I truly regret it. I provided the CEO XXXX XXXX and the compliance analyst XXXX XXXX emails advising I have a hurricane that came in my area which led me to relocate my family and that I struggled to buy food and had no electricity, the following month I lost my grandmother and did not work for a month as I went home to be with family and physically couldnt function to work on a daily basis. I provided proof via email and also had conversations with XXXX. He advised my account was current and that he was sorry I had unfortunate situations but it was nothing he could do. Now Im receiving a letter saying if Im ever late again theyll repossess the car without notice. Thats truly insensitive, I had legitimate reasons why I fell behind and tried to work something out so that they knew what was going on. I really feel the way this was handled was unprofessional and inconsiderate. Calls are recorded so it can be played back to note there was never a conversation regarding default.

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 2024-02-03 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:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, specifically relating to late and missed payments reported by Bridgecrest, formerly known as XXXX. This complaint seeks immediate attention to correct derogatory and inaccurate payment information that does not accurately reflect my payment history. 

Details of the Dispute : The inaccuracies relate to the following reported late payments : XX/XX/XXXXXXXX  : Reported 30 days late XX/XX/XXXXXXXX  : Reported 60 days late XX/XX/XXXX : Reported 30 days late XX/XX/XXXXXXXX  : Reported 30 days late I assert these reports are erroneous. For each of the months in question, payments were mailed in a timely manner via USPS, ensuring that they should not have been classified as late. The discrepancy may result from postal delays or processing delays on Bridgecrest 's end, but in no instance was payment authorization or initiation delayed on my part. 

Demand for Manual Investigation : I hereby request a thorough manual investigation into these discrepancies, explicitly excluding the use of Automated Consumer Dispute Verification ( ACDV ) or any other automated processes. My request is based on the need for a detailed review that accurately considers mailed payment dates and processing times, which automated systems might not adequately address. 

Request for Prompt Modification and Reversal : Upon verification of the inaccuracies detailed above, I demand the prompt modification and reversal of the derogatory and inaccurate payments from my credit report. This correction is crucial for the integrity of my credit history and future financial opportunities. 

Transparency and Documentation : Furthermore, I request documentation or a detailed explanation of the procedures used in the investigation within thirty days of this complaint. This includes any evidence considered and the rationale behind the findings. It is vital for me to understand how my dispute is evaluated and resolved " reasonably ''. 

Clarification of Desired Outcome : To be clear, my aim is not to seek reimbursement of payments or fees but solely to ensure accurate and fair credit reporting. The inaccuracies in my credit report are detrimental to my financial standing and must be addressed promptly. 

Non-Consent to Automated Dispute Verification : I do not consent to the resolution of this dispute through ACDV or any similar automated means, given the specific nuances of my case which I believe require personal attention and a manual review process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Dear Rocket Customer Service : This letter serves as an official notice of my intent to file a complaint with the Federal Trade Commission and XXXX if the matter at hand is not promptly resolved. I reached out to your organization earlier today in relation to procuring a copy of my Tax information pertaining to the property located at XXXX and Account # XXXX for which I am currently paying a mortgage through with Rocket Mortgage. Unfortunately, I encountered an unprofessional behavior from XXXX, a customer service representative from Rocket Mortgage, who abruptly terminated our conversation. Subsequently, I made a follow-up call and engaged in dialogue with a representative named XXXX. During our conversation, XXXX disclosed that my account has been subject to a security hold, leading to its current locked state for security purposes. 

According to legal requirements, I should have already received my Tax Information via mail. Should I not receive a timely response within 24 hours concerning this matter, I hereby declare my intention to involve my legal counsel and initiate civil proceedings. 

Sincerely, XXXX XXXX XXXX. Federal Trade Commission XXXX XXXX XXXX  Attorney Class Action Attorneys

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a car for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is HJR 192. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
THE HOME DEPOT/CITIBANK is furnishing incorrect information to XXXX that is causing my estate harm. As the trustee it is my job to ensure the heirs to the estate or not harmed. The Home Depot received an application which is a financial asset for the bank and it used as the collateral interest for the notes paid out to the national bank. Since the estate owns all interest, titles, and certificates using the note that is attached to the application for profits is misuse. Since the note is pooled together and sol The Home Depot and Citibank owe the estate.

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 2024-02-03 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: TX

Complaint narrative:
THE XXXX XXXX is furnishing incorrect information to Experian that is causing my estate harm. As the trustee it is my job to ensure the heirs to the estate or not harmed. The XXXX XXXX received an application which is a financial asset for the bank and it used as the collateral interest for the notes paid out to the national bank. Since the estate owns all interest, titles, and certificates using the note that is attached to the application for profits is misuse. Since the note is pooled together and sol The XXXX XXXX and XXXX owe the estate.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-02-03 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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had someone take XXXX $ out of my acct on Friday the XXXX of XXXX I was at home with my card in my possession when I received a text message that there was a withdrawal of XXXX $ I called the bank right away! They denied my claim without even speaking to me or trying to contact me. I have never used my card at that location. I didnt give my card to anyone or share my pin with anyone

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 2024-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
i have dispute this item on my credit report 30 days ag0. did show me any results. this account is tarnishing.my consumer report. the investigations took well over the investigations. I HAVE THE RIGHTS OF PRIVACY. 1681AI 1681B 1666B 1692C PLEASE REMOVE ACCOUNT FROM CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FC HoldCo LLC
State: TX

Complaint narrative:
FLAGSHIP CREDIT ACCEPTANCE received an application from the estate and it was transferred and deposited into their financial institution which then the financial asset which serves as the security is supposed to be registered upon books in which it belongs. This note which is the security belongs to the estate that I am guardian/trustee over and Flagship Credit Acceptance is profiting from the estate property from the interest that the note makes monthly. Equity does not perish the estate is entitled to compensation since the goods received were seized.

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 2024-02-03 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX 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 explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Flagship Credit Acceptance continues to sell incorrect information to XXXX. The note that is being used to make profits for Flagship Creedit Acceptance belongs to the Estate and since the estate has equitable title and interest rights all profits that have been made from the sale sis due to to the estate. XXXX is a data furnisher that sells information to various entities for profit missing private estate property for commerce is against federal law.

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 2024-02-03 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX 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 2024-02-03 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
NATIONSTAR MORTGAGE and XXXX continue to cause damages to my estate my reporting late payments. The note that is used for profits is being traded and has been sold numerous times which is registered in the name my estate holds equitable title to and all rights. Reporting these alleged late payments has caused the heirs of the estate damages as I have not been able to fulfill my duties due to the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: PA

Complaint narrative:
Subject : Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX etc reporting as a collection items. 

I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection account. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. 

Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. 

I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: CA

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX 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 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