vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I never had an account with Bridgecrest. This furthermore proves the violations of information being illegally and fraudulently report to consumer credit report. 
15 U.S. Code 1681a ( 2 ) ( A ) ( i ) 18 U.S. Code 894 - Collection of extensions of credit by extortionate means a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the non repayment thereof was punished by extortionate means.

Per consumer credit report from Bridgecrest on the following date of XX/XX/2023, that I the consumer owed a balance with Bridgecrest in the amount of XXXX and stated the " merchandise was taken back by credit '' which is also a false information as vehicle was not able to operate due to brake mechanical issues that were no longer under warranty and had Federal recall from the manufacturer.

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 2023-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I BORROWED A STUDENT LOAN {$21000.00} APPX. IN 2008 TOWARDS THE UNIVERSITY FEES. 
PROVIDED ME A ( XXXX. ) FALSE CERTIFICATION AND SCHOOL WAS NOT ACCREDITED IN THE USA. 
I COULD NOT GET A JOB OR CONTINUE FURTHER EDUCATION ON THE BASIS OF THAT CERTIFICATION. 
UNIVERSITY : XXXX XXXX  XXXX XXXX XXXX. 
LOAN SERVICER : AMERICAN EDUCATION SERVICES. 

YOU ARE REQUESTED TO HELP ME DISPUTE THIS LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
The company calls all day and very early in the morning and on Sundays. I have answered and asked the to stop calling and to contact me by mail for information and it is constantly harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: MI

Complaint narrative:
AES XXXX needs to supply a promissory note between myself and them from the dates they reported I took out a loan with them in 2006. If they do not have a promissory note for the account they claimed I opened and signed for with them I want it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
So just last month I file a complaint with the CFPB about Experian failing to provide me verification on 2 accounts that they claim belong to me XXXX XXXX XXXX, when they belong to my son XXXX XXXX XXXX. I get letters saying it has been verified by the furnisher, but nothing was sent to me proving this. I'm also pretty sure when I go on the website of Experian, its supposed to say that these accounts are disputed by the consumer, which they don't say ( see attached ). 
I'm really tired of having to deal with this every month, especially when they don't respond within a timely matter. 
If you are unable to provide method of verification, which I'm requesting from you again, and not just an updated report that says it's been verified, delete the accounts listed! 

XXXX XXXX XXXX belongs to XXXX XXXX XXXX XXXX XXXX XXXX belongs to XXXX XXXX XXXX You have failed to do your job and report complete and accurate information as you can see in the attached photos. I will ask that you removed these accounts for inaccurate, incomplete information, and failing to provide method of verification of who they belong 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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 confidentially under 15 USC 1681. 

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  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 the 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 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 non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my 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 2023-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JDJ Investments, INC.
State: IL

Complaint narrative:
This debt with XXXX healthcare system was paid via 6 months payment arrangement for direct debit from my paycheck. The debt was satisfied early with a last payment of XXXX at my request. XXXX XXXX put a collection on my credit report originally for {$1000.00} then increased it after I notified them of the mistake {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group
State: OK

Complaint narrative:
In XXXX I signed up with a debt consolidation service Infinite Law Group. At some point they sold or transferred my account to Derek Williams Law Group. I realized in XXXX that I am paying too much for the services I have received. I have heard nothing from the in 6 months. I decided to cancel the service. I requested a refund of the monies I have paid in {$1800.00}. I got a breakdown of my account finding that none of the debts had been settled and the balance in my account is only {$200.00}. I cancelled and asked for a refund. I have been told that I do not warrant any additional refund. In further investigation, my contract states that I would be charged {$65.00} a month for the 10 months for a {$650.00} retainer fee that they have been collecting {$100.00} for. I have requested a log of what calls and letters have been sent to my creditors but am being told that they have to get approval by management as they usually don't give clients access to that. I want to know what has been done on my account to warranty the {$110.00}, {$49.00} and {$100.00} they have collected monthly out of the {$300.00} I have been paying into the account. It appears to me that they haven't been able to settle any of my accounts and won't be able to for a long time as there are little to no funds in the account to pay any of the debts even if they had been settled. Every time I have called them in the last 2 weeks, all I hear is but your contract ... yet they have been over charging me per my contract. I feel that they have been stealing money from my account. If I had not cancelled with them I would never have known that they were taking the additional {$35.00} a month out of my escrow account. If they are doing it to me how many other people are they doing this to? I was told by them that I was only eligible for a refund in the 1st 30 days. How would I have known in the 1sXXXX 30 days that no work would be done on my behalf. I feel that I have been ripped off by this law firm and have been advised to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them 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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
In XX/XX/XXXX my XXXX credit card switched from XXXX XXXX XXXXXXXX to XXXX XXXX I had a balance of {$2200.00} I had credit points towards my balance of {$280.00} this information I had got from their service representative by phone on XX/XX/XXXX. 
I paid {$1900.00} on XX/XX/XXXX. 
I never used the XXXX XXXX credit card I received billing for the {$280.00} that were my credit points plus interest plus penalties in XXXX I called them at that time and told him what the issue was they said it would be resolved. In XXXX got the same bill with more penalties and interest sent them a letter XXXX XXXX same story. I have filed complaints with their company on two different occasions on XXXX XX/XX/XXXX and most recently on XX/XX/XXXX. At this point I have sent three letters one of them a registered letter on XX/XX/XXXX ive made at least five phone calls been told repeatedly issue would be resolved and it has not. My credit score has been downgraded to the mid 650s when it had to of been well over XXXX. I need to get this issue resolved as my insurance quotes and rates have gone up due to my rent lowered credit score. I do not know how to put these copies of my letters and statements into a file to send with this complaint. I can supply copies of documentation if I have a mailing address or a email address my phone number is XXXX my mailing address is XXXX XXXX XXXX XXXX XXXX, FL 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 2023-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They have called me five times over the past month. At first I ignored the calls not knowing what it was about, and they never left a voicemail. At the third try, I answered to be asked where XXXX was. I told them they had the wrong number and they said they would put it through their system. 

Fast forward to today, I received another call and they asked for XXXX again. After asking them to confirm the number they had just called, they told me a number that was three digits off from my personal. I told them that I had already spoken with someone from the company regarding this exact thing and that I would be reporting to the FTC due to my privacy being breached again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is refusing to delete entries from XXXX XXXX after XXXX XXXX failed to provide a promissory note between them and myself for the dates they have listed on my credit report. I never signed a promissory note with XXXX XXXX bank in XXXX or any other time they claimed that I took a loan out with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX my XXXX credit card switched from XXXX XXXX XXXXXXXX to Comenity bank I had a balance of {$2200.00} I had credit points towards my balance of {$280.00} this information I had got from their service representative by phone on XX/XX/XXXX. 
I paid {$1900.00} on XX/XX/XXXX. 
I never used the Comenity bank credit card I received billing for the {$280.00} that were my credit points plus interest plus penalties in XXXX I called them at that time and told him what the issue was they said it would be resolved. In XXXX got the same bill with more penalties and interest sent them a letter XXXX XXXX same story. I have filed complaints with their company on two different occasions on two XX/XX/XXXX and most recently on XX/XX/XXXX. At this point I have sent three letters one of them a registered letter on XX/XX/XXXX ive made at least five phone calls been told repeatedly issue would be resolved and it has not. My credit score has been downgraded to the mid XXXX when it had to of been well over XXXX. I need to get this issue resolved as my insurance quotes and rates have gone up due to my rent lowered credit score. I do not know how to put these copies of my letters and statements into a file to send with this complaint. I can supply copies of documentation if I have a mailing address or a email address my phone number is XXXX my mailing address is XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with monetary relief