vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: NC

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-13 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:
Equifax didnt investigate my dispute because they stated that this account which is a collection from XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on XXXX fico  credit report. They stated on the complaint response that this account is not reporting but was updated on my credo report the next day on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Summoned for a debt that was more from 5 years ago. LVNV Funding LLc using unlawful tactics to rob people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: NC

Complaint narrative:
112 Claims inaccurate information 111 Claims company will delete. 

106 Disputes present/previous Account Status/Payment History Profile/Payment Rating. 
012-Claims paid the original creditor before collection status or paid before charge-off.

United States constitution Treaty of peace and Friendship 1789 I am the lessor of this vehicle uniform consumer credit code the Federal Consumer Credit Protection Act 15 us code 1666 correction of billing errors You committed security fraud Can you give me evidence of my indebtedness?

I gave you a security and have not got my dividends from the security I gave you.

You never loaned me any money I received a house for which I am the grantor/Creator of the deed of trust and have the right of subrogation removing you from you fraudulent positions of trustee article one section 10 of the united states of the constitution notice of error Amen in GOD we Trust

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 explanation
Consumer complaint received 2024-09-13 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: PA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

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 2024-09-13 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: Fidem Baltimore Holdings LLC
State: PA

Complaint narrative:
There's an ignite card in my credit report. I disputed it two times and had it investigated. I called the company and they refused to talk to me about the account as it wasn't mine, yet said they couldn't remove it off MY credit report??? It's insane. It's not mine, this is the second time this has happened. It needs removed and ignite should have better policies in place. As well as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: FL

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized hard inquiries To whom this may concern I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: NC

Complaint narrative:
I'm writing to raise concerns about a few issues I've encountered with the credit bureau. These include false account listings, numerous unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that don't belong to me. 

I need help resolving these issues to ensure my financial security. Please investigate my situation and advise me on the next steps.

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 2024-09-13 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: NC

Complaint narrative:
I'm writing to raise concerns about a few issues I've encountered with the credit bureau. These include false account listings, numerous unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that don't belong to me. 

I need help resolving these issues to ensure my financial security. Please investigate my situation and advise me on the next steps.

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 2024-09-13 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: AL

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX and list of Inquiries. 

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 a 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 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
I recently checked my bank account and seen an unauthorized transaction from a company called Acima leasing I reached out to them they told me an account has been opened in my name, which I did not authorize. I recently lost my phone in a public place, and despite my efforts to locate it, I was unable to recover the device. My phone was not fully secured, allowing unauthorized individuals to access my personal details, including login credentials and sensitive data. As a result, someone used my information to commit fraudulent activities through bank accounts and acima leasing. I am working with the authorities to resolve the issue and protect my identity moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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:
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 explanation
Consumer complaint received 2024-09-13 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: PA

Complaint narrative:
There's an XXXX card in my credit report. I disputed it two times and had it investigated. I called the company and they refused to talk to me about the account as it wasn't mine, yet said they couldn't remove it off MY credit report??? It's insane. It's not mine, this is the second time this has happened. It needs removed and ignite should have better policies in place. As well as transunion

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 2024-09-13 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: FL

Complaint narrative:
I am filing this complaint personally. After examining my credit report, I noticed entries for late payments. I sent correspondence regarding this issue more than 30 days ago but have received no reply, nor have they provided adequate validation of these entries. I am seeking your help to address this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX account # XXXX reporting 30 days back when the payment was authorized to be taken out. Automatically. The bill was paid in full. It is already closed and I ask you to delete the account from 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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  account # XXXX reporting 30 days back when the payment was authorized to be taken out. Automatically. The bill was paid in full. It is already closed and I ask you to delete the account from 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 explanation
Consumer complaint received 2024-09-13 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: MO

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 explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX account # XXXX reporting 30 days back when the payment was authorized to be taken out. Automatically. The bill was paid in full. It is already closed and I ask you to delete the account from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account was sent to collections and the account was paid in full. Error by admin but collection agency continues to attempt to collect on debt and Ive provided proof of payment

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 2024-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Pre-applied for iphone loan. All identifying information was correct in multiple applications. Information verified as correct with XXXX. Citizens states information incorrect and that my social security number of 48 years is incorrect. 

Transgender discrimination due to legal name change is the root of the issue here. Credit report has old legal name, as did citizens due to prior iphone loans. Will not accept new legal name which is primary on the credit report, nor will they accept old legal name that is still on the report. 

They went through a manual process to work around their issue and it was still denied as " Application information does not match credit report ''. Forced to pay with interest in full instead of utilizing the 0 % iphone program that I'm qualified to use. Will suffer approx {$600.00} financial loss due to the discriminatory issues with transgender individuals from Citizens. This also doesn't account for the XXXX hours of phone calls between XXXX and Citizens trying to work through XXXX 's system issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: Ocwen Financial Corporation
State: MI

Complaint narrative:
We had contacted our XXXX XXXX  in XXXX and XXXX about making a payment in our trial period. The XXXX XXXX agreed to the payment date ( s ) and amounts. We followed up with XXXX XXXX  multiple times confirming the payment plan. When we made payment as agreed, PHH denied the payment indicating we had not followed the plan and entered foreclosure process. We had multiple, multiple discussions with PHH asking them to review the tapes of the discussion with the XXXX XXXX and they have refused to provide copies of the discussions an to even review the tape. Upon complaining to a " XXXX XXXX XXXX  Manager ( XXXX XXXX ) he said he would follow up and advise. XXXX then called me indicating he had reviewed the tapes and we were correct and he would advise. We also offered a payment plan which would bring the account completely up to date, but we have heard nothing from PHH. They are now ghosting us and not returning calls, etc. We did everything possible to avoid this situation and the original XXXX XXXX agreed to our plan. We are protesting PHH 's actions as thier representative agreed to our plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX RE : Method Of Verification Request XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting, concerning FCRA 611 ( a ) ( 7 ) : * A description of the procedure ( s ) used by your agency in my earlier disputes.

* All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required.

* Written proof that you forwarded all the relevant information in my earlier disputes ti creditor. FCRA 611 ( a ) ( 2 ) ( B ) + If such information can no
t be provided within 30 business days, I demand the late payments be removed from my report.

I am keeping careful records of our communications in case I must file a complaint to se relief and monetary damages under the FCRA Sections 616 and 617.

After you've completed your investigation, please send the results to me via mail.

36 Please note I am sending this letter on my behalf and have included a copy of my ID to verify my identity. 
My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
In response to subject Summons delivered to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on American Express Credit Card Account ending in XXXX was paid XX/XX/XXXX XXXX as required. American Express payment reference number XXXX. For payment reconciliation purposes see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has an additional account with American Express ending in XXXX that had a balance of {$540.00} when American Express called regarding its payment request on XX/XX/XXXX. XXXX made a payment to American Express on the same date XX/XX/XXXX of {$11000.00} to pay the balance on both cards. 
I have attached the American Express XXXX  Year End Statement entitled Activity for your review; the Tab entitled Transaction summary shows account ending in XXXX has an {$11000.00} over payment at years end XXXX XXXX. American Express called XXXX XX/XX/XXXX for a payment on card ending in XXXX and then applied the payment to account ending in XXXX. XXXX also submitted payments to American Express from its XXXX XXXX XXXX XXXX showing payment cleared American Express. XXXX fulfilled its obligation to American Express over XXXX XXXX XXXX and would like this case to end as soon as possible. Can someone please respond upon receipt?

Company response to consumer: Closed with explanation