vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: Westcreek Financial
State: PA

Complaint narrative:
I contacted west creek financial in XXXX about a car lease on my credit report that I never applied for and asked for the original copy of the credit application so I could see who opened this account in my name if you look at my credit report I was never late with any of my payments until this issue now it is in collections the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX tel XXXX I never received the the copy of the original credit report I would like to have this account removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: SC

Complaint narrative:
Dear CFPB, I am writing to formally file a dispute regarding an account in collections that is listed on my credit report. The account in question is with Jefferson Capital. I cant remember who they said the original creditor was, I think XXXX or XXXX. I have XXXX XXXX though. 

When I saw it on my XXXX XXXX report, I disputed it and specifically asked for a copy of the original bill or detailed documentation related to the debt. However, the collection agency only responded with a statement claiming that the debt is accurate without providing the documentation I requested. And now on XXXX XXXX it says No Info for Original Creditor name and Type and even Closed Date. 

I feel like I am entitled to validation of the debt, including documentation showing the original details of the bill. I dont know what I own for. Since I have not received the requested documents, I believe the collection agency has not fulfilled its legal obligations to verify the debt. 

I kindly request that you investigate this matter for me. 

I appreciate your attention to this matter and look forward to your prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2024-09-18 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. 

Dept of EDXXXX : Account # XXXX Dept of ED/AIDV : Account # XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX Possible Financial : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX Source Receivables Managment : Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-09-18 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:
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.

Dept of EDXXXX : Account # XXXX Dept of EDXXXX : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account # XXXX Source Receivables Managment : Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: PR

Complaint narrative:
Good afternoon, I request TransUnion, XXXX and XXXX  to update these XXXX mortgage late payments but never did it. Furthermore, I paid a comapany to fix this and for TransUnion they delete the mortgage account at all and never receive an explanation for this.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Good afternoon, I request XXXX, Equifax and XXXX  to update these XXXX mortgage late payments but never did it. Furthermore, I paid a comapany to fix this and for XXXX they delete the mortgage account at all and never receive an explanation for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: PR

Complaint narrative:
Good afternoon, I request XXXX, XXXX and experian to update these XXXX mortgage late payments but never did it. Furthermore, I paid a comapany to fix this and for XXXX they delete the mortgage account at all and never receive an explanation for this.

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 2024-09-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely stressed out because I did not permit any of these inquiries showing up on my report - and it's causing me so much inconvenience because my credit scores are affected and I can not get as much financial opportunity as I used to.

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 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: TX

Complaint narrative:
This company has been calling me, my father, husband, stepfather and brother every day for over a week. I dont even know how they have some of these numbers. They call from a different number each time and have been calling at all hours of the day. Sometimes multiple calls a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-18 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I have a fraudulent account on my credit report from navy federal credit union and I and I know it is from identity theft so I filed a identity theft report at the ftc and I have filed a police report and I see that navy federal credit union has broken the laws because no creditor must not furnish any account that comes from disputed Identity theft. I demand for this account to be immediately deleted from my credit report due to credit laws of 15uscs 1682 c-2 that it shell be blocked and deleted in 4 business days. and attached is the identity theft affidavit report and police report and proof of my incarceration at the time that account was open. Please remove this fraudulent account off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a fraudulent account on my credit report from XXXX XXXX XXXX XXXX and I and I know it is from identity theft so I filed a identity theft report at the ftc and I have filed a police report and I see that XXXX XXXX XXXX XXXX has broken the laws because no creditor must not furnish any account that comes from disputed Identity theft. I demand for this account to be immediately deleted from my credit report due to credit laws of 15uscs 1682 c-2 that it shell be blocked and deleted in 4 business days. and attached is the identity theft affidavit report and police report and proof of my incarceration at the time that account was open. Please remove this fraudulent account off 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 non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a formal complaint against Bank of America due to the sudden and unexplained freezing of my account without any prior notification. Despite multiple attempts to contact the bank for information, I have been provided no explanation and have only been told to wait until their investigation is completed. 

This account freeze has caused significant disruptions to my business operations, and the lack of transparency from the bank has only added to my frustration. I am seeking the Consumer Financial Protection Bureau 's assistance in addressing this issue and ensuring that Bank of America provides a prompt resolution and proper communication regarding the status of my 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 explanation
Consumer complaint received 2024-09-18 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
I am trying to reinstate my car loan with Bridgecrest, but I have hit a wall and can't afford a lawyer. I believe Bridgecrest may be overlooking my rights under XXXX XXXXXXXX XXXX XXXX, which allows borrowers to reinstate their loans by paying arrears without paying the full balance. However, when I attempted to discuss this with Bridgecrest, they insisted that my only option was to pay off the entire principal of the loan to avoid repossession. 

I spoke with Bridgecrest representatives on XXXX XXXX XXXX XXXX XXXX, and was informed by both agents that " Bridgecrest doesn't reverse charge-offs, '' which they claim is the only way to resolve my account. This means that while my vehicle is still in my possession ( pending repossession since XX/XX/year> ), I was told that paying off the full loan balance is my only option to avoid repossession. However, based on XXXX XXXXXXXX XXXX, I believe I should have the right to reinstate the loan by paying off the missed payments ( arrears ) and not the full loan balance. 

I faced significant financial hardship over the last XXXX years, including job loss, loss of health insurance, mental health challenges, and homelessness. I wasnt able to make payments for almost 12 months, but I am now working to rebuild my life. I am enrolled in a Debt Management Plan ( DMP ) and saving to catch up on my obligations. I believe I now have enough saved to bring my account current, but Bridgecrests insistence on a full loan payoff is preventing me from resolving this issue that would aid my financial recovery. 

To demonstrate my commitment to resolving this situation, on XX/XX/year>, I made a {$2000.00} payment toward my account. I am seeking to reinstate my loan and have already requested that Bridgecrest provide the total balance needed to bring my account current. However, I have only been told that charge-offs are irreversible and have not received any information on how to reinstate my loan under XXXX XXXX XXXX 

In addition, I am sending a certified letter to Bridgecrest reiterating my request to reinstate my loan. This letter further emphasizes my willingness to pay off the overdue balance, and now that I have made the {$2000.00} payment, I need confirmation of the remaining amount required to bring my account current. I am filing this complaint with the CFPB in hopes that Bridgecrest will honor my legal rights as a XXXX XXXX borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: IL

Complaint narrative:
USCB America was attempting to collect a medical debt regarding a visit at a hospital that never occurred. Amount was {$650.00} due to XXXX XXXX XXXX, they said. I verified with the hospital that there are no outstanding debts, and after researching my account, the XXXX XXXX date they were giving me as a date of service doesn't exist in my file ( there were no visits in XXXX that year ). I spoke to XXXX and XXXX at USCB - XXXX is the number they called from to leave a voicemail, and is an active number if you call it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA
State: VA

Complaint narrative:
Please see previous complaints related to this account. 
In addition to the previous, they were allowed to garnish me even after the debt was Paid in Full. They have sent a Pif letter but they did not mention or send anything regarding my refund check from overpayment. It was paid XX/XX/year> but obtained a court date of XXXX to collect the funds. They owe me XXXX. My dispute was not investigated properly and I have submitted feedback on that already through this portal. Only XXXX partial call was reviewed and the description of the call was not accurate. I want every incoming and out call from my number reviewed. I want the notes on the account reviewed. 
I WILL PROCEED WILL LEGAL ACTION AMD DEMAND FOR SOMEONE TO GET THIS REFUND TAKEN CARE OF IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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