vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I am writing to formally express my disappointment regarding the poor customer service I recently experienced when speaking with your representative, XXXX, on XX/XX/year>. 
During our conversation, XXXX was not only unprofessional and rude but also overcharged me without providing a clear explanation. When I brought this issue to her attention, she failed to acknowledge her mistake or offer an apology. Instead, her attitude was dismissive, making the entire experience frustrating and unacceptable. I was on the phone with this subpar customer service team requesting a manager for THREE HOURS. Are there not any managers who work there? One rep even hung up the phone on me. 
As a paying customer, I expect to be treated with professionalism and respect. Customer service representatives should be trained to handle inquiries with courtesy and efficiency, ensuring that issues are resolved accurately and fairly. Unfortunately, my interaction with XXXX fell far below these expectations. 
I request that Bridgecrest review this matter, address the overcharge on my account, and take appropriate steps to improve the quality of customer service provided by your representatives. I would appreciate a response detailing how this situation will be handled and what corrective actions will be taken to prevent similar incidents in the future. I was supposed to be charged {$7200.00} yet the balance I was told was {$3400.00}. Now I'm being told that the although the funds were taken from my account there is an internal hold for 10 business days and I would have to dispute with my bank in order to get the funds back. With my bank on the line, they confirmed the money was taken from my account and transferred into Bridgecrest 's account. XXXXXXXX XXXX  response was " well you can dispute it with your bank and pay the bank fees to have it returned to you '' in a rude tone. Why should I, the consumer be paying or even disputing a charge that was an overpayment and should be refunded by the company. This entire experience was completely disgusting and after three hours I was still unable to be transferred to a manager. 
Please respond to my complaint within XXXX business days. I hope to see an improvement in your customer service, as I would like to continue my business with Bridgecrest under better circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE UNFREEZING OF MY CREDIT FILE. SEE ATTACHED DOCUMENT.

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 2025-02-24 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: MI

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-24 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:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-02-24 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: NJ

Complaint narrative:
This is now the second time I am bringing this up, and I am beyond furious that Experian continues to ignore my rights under federal law. How many times do I have to repeat myself before Experian actually does its job? I previously disputed the unauthorized and fraudulent account ( XXXX XXXX XXXX XXXXXXXX ), yet Experian recklessly refuses to remove it from my credit report. This is not just incompetencethis is willful noncompliance with the Fair Credit Reporting Act ( FCRA ), and I will not tolerate it any longer. I never authorized this account. I never consented to it being reported. Experian has absolutely no legal right to continue reporting this account! Under 15 USC 1681b, there is no permissible purpose for Experian to include an unauthorized account on my file. Yet here it is, still damaging my credit, despite my previous dispute. Under 15 USC 1681i ( a ), Experian is legally required to conduct a reasonable reinvestigation, yet this fraudulent account remains on my reportwhich proves Experian is not investigating anything! 15 USC 1681e ( b ) mandates maximum possible accuracy, yet Experians continued misreporting proves a total failure to meet that standard. Additionally, under 15 USC 1681s-2 ( a ), furnishers are responsible for ensuring the accuracy of the data they report. Right now, Experian and its data furnishers are blatantly ignoring their legal obligations! I am demanding the immediate and permanent deletion of this fraudulent account. I expect written confirmation that it has been removed and an updated credit report reflecting this correction within 15 days. Since Experian has already failed to act, I am also demanding a full method of verification under 15 USC 1681i ( a ) ( 2 ). I want the exact details of how this account was verified, who confirmed it, and where the information came from. If Experian can not provide a valid and documented verification, then the law requires you to delete this account 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 explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery. And XXXX XXXX XXXX XXXX affiliate Had issues in the past several time most recent freezing my account at XXXX XXXX XXXX XXXX and filed beyond time frame as of XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft or improper use of my information and should be blocked : XXXX XXXX XXXX | # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately with these account. Here I add the FTC report, hoping that you make a better work in this situation, thank you.

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 2025-02-24 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: ID

Complaint narrative:
On XX/XX/XXXX I asked you to investigate this account and after your investigation the errors still weren't fixed, so on XX/XX/XXXX I asked you to reinvestigate this account, but the errors still weren't fixed. This account shows it was charged off every month from XX/XX/XXXX to XX/XX/XXXX. That is 14 months in a row. An account can only be charged off one time. Once the account is charged off, it can't be charged off again. This is hurting my ability to obtain credit, and is a violation of the FCRA. I either want the fixed, or this account to be deleted entirely in accordance with 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 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
Attempted to cancel card. Get placed on hold and told that only a supervisor can cancel. Also asked for my terms and card agreement and was told they only have to send it once, they already sent it so they wont send it again they are refusing to give card agreement and wont let me cancel and are changing monthly & yearly fees on a card with no balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
I sent a request for this company to provide proof of the 3 attempts to be made for collection of debt and they have failed to do so. According to 15 USC 1692c you have violated my rights by unlawful communications. Please remove this collection off of my credit report thank you.

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 2025-02-25 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: TX

Complaint narrative:
I sent a request for this company to provide proof of the 3 attempts to be made for collection of debt and they have failed to do so. According to 15 USC 1692c you have violated my rights by unlawful communications. Please remove this collection off of my credit report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a request for this company to provide proof of the 3 attempts to be made for collection of debt and they have failed to do so. According to 15 USC 1692c you have violated my rights by unlawful communications. Please remove this collection off of my credit report thank you.

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 2025-02-24 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: NH

Complaint narrative:
While in the process of resolving past tax issues with the Internal Revenue Service, I was notified that a past IRS Collection effort was sent to a collection agency on XX/XX/XXXX. On XX/XX/XXXX, I was provided the name of the collection agency. I sent a request to CBE Group on XX/XX/XXXX. With no response or attempted response from CBE Group, I sent a follow-up message to to XXXX XXXX XXXX President & CEO of CBE Group XXXX XX/XX/XXXX. I understand that it has only been a few days but still no response. Until I am able to receive this documentation from CBE Group I am unable to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
The court has issued a Judgment against a company that has incorrectly disclosed information of my company this month I received a notice that I dont have any debt to the company named Prestige Financial Services I think they are are required by law to discuss this information with me with out taking with a attorney this information is Creditors Attorney XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX IL XXXX Phone ( XXXX ) XXXX please contact this office I request. Information be sent to them the case is a not legal to due this. My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a auto loan account account opened at Credit Acceptance Corporat on XX/XX/year> under the account number ( XXXX ), This account have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Further this account are now considered in litigation. 

I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned account, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections, and hard inquiries are the result of identity theft and fraud.

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