vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-09 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:
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 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 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 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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes to TransUnion on the dates listed below, and as of today, XX/XX/XXXX, they have not provided any updates on the accounts in question that have been disputed on several occasions. The following are the dates when I personally sent credit disputes to TransUnion Consumer Company : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX The accounts I have been attempting to dispute with TransUnion, which they have failed to address, are as follows : XXXX XXXX XXXX - This account has been settled in full, yet TransUnion is the only bureau still reporting it as " LATE. '' This account should now reflect a {$0.00} balance. 

XXXX XXXX XXXX - I suspect this collection is being reported inaccurately. If you can not verify this information, I request its prompt removal from my credit report. Please provide evidence that you have acquired this information directly from the source, or proceed to remove it from my 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 2024-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I gave Bridgecrest permission to report to the 3rd party credit agency but In regards to reporting negative items, According to 12 CFR 1016 and 15 USC 6802-6805. A consumer may exercise the right to opt out at any time. I am exercising my right to opting out. Any consent I have given whether implied spoken, unspoken, written, unwritten or otherwise is revoked and rescinded immediately and indefinitely. 

Removal of all derogatory items. 
Bridgecrest Shall remove all late payments past, present and futurefrom my credit report.15 USC 1681a ( 2 ) ( A ) ( i ) It is illegal to report transaction history. 2 ) All inaccuracy gives reason to delete late payments past present and future. 3 ) No permissible purpose FCRA 15 USC 1681b ( a ) ( 2 ). 4 ) Privacy Act 1974 Violation. 5 ) 15 USC 1666b Can not be reported late under an open end consumer credit plan for any purpose. Truth in lending defines open end consumer credit plan as payable in more than 4 installments. consumer credit reporting companies can not report income on the credit report. Update to paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Department of treasury placed a public record onto my XXXX credit report due to a collection of {$300.00}. As of 2018, public records are no longer included into your Credit report. Please remove this public record from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
This account was closed on the following date : ( XXXX ). Since then, the account has repeatedly been updated as current every month. This is an updated in the payment history. A closed account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. A am demanding a deletion on the following account : XXXX Account no. : 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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Monarch Recovery Holdings, Inc.
State: MD

Complaint narrative:
I requested my 1099C form to file for gross income because it has been written off as a charge off and have not received it. Also On my credit report it also reads charge off from mayXX/XX/XXXX - XX/XX/XXXX, repeatedly. They are reaging my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
This account was charged off on the following date : ( XXXX ). Since then, the account has repeatedly been updated as charged off every month. This is an updated in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitation. You failed to investigate this account properly and your neglect has violated my rights. A am demanding a deletion on the following account : XXXX Account no. : 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 2024-05-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WSFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX mortgage ceased statement and collection activities in XXXX on a {$20000.00} second mortgage, aggressive illegal collections of time barred debt started in XXXX, with foreclosure law suit.

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 2024-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
Subject : Complaint Regarding Debt Collection Practices- Reference Number : XXXX To Whom It May Concern, I am writing to file a complaint regarding the debt collection practices of Caine & Weiner. My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, and my email address is XXXX. 

I received a notice from Caine & Weiner regarding a debt purportedly owed by me. However, I have several concerns regarding the provided information : 1. Itemization of the Debt : The notice did not include a detailed itemization of the current amount of the debt, reflecting interest, fees, payments, and credits since a particular date. Without this information, it is challenging for me to assess the accuracy of the debt.

2. Current Amount of the Debt : The notice failed to clearly specify the current amount of the debt when it was provided. It is crucial for debtors to have access to this information for transparency and dispute resolution purposes.

3. Information for Dispute : The notice did not provide adequate information for me to reply to the debt collector, particularly if I believe the debt is not mine or if the amount is incorrect. Clarity on how to dispute the debt is essential for consumers ' rights and fair debt collection practices.

4. End Date for Dispute Period : There was no indication of an end date for a 30-day period during which I can dispute the debt. It is imperative for debt collectors to provide consumers with a clear timeline within which they can exercise their rights to dispute the debt.

I kindly request that Caine & Weiner address these concerns promptly and provide me with the necessary information to resolve this matter fairly. I expect a timely response in accordance with the regulations outlined by the Consumer Financial Protection Bureau ( CFPB ).

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have noticed some unauthorized and fraudulent inquiries on my credit report.

XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2024-05-09 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXXXXXX XXXX  - XXXX, XXXX  - XXXX and XXXX XXXX XXXX. 

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If thisthe final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you cantravel here in order to defend yourselves. 

I take my credit very seriously and your lack of professionalism and assistance disgusts me. I amwell aware of my rights under the FCRA and intend to pursue them to the maximumI am anticipating your immediate response.

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 2024-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
Greensky Loan Company discontinued its " Medical Loan '' division. In thus doing so, all customers/clients who had a medical loan through Greensky had their online portals shut down. With no access to see monthly statements, I have been making payments to Greensky through XXXX XXXX XXXX just assuming they were getting applied to my account. For the last year, a " late fee '' has been applied to my " monthly minimum '' amount due and not the total balance. I called Greensky the first time I got a " late fee notice '' sent to email, and the customer service rep said, " Oh yeah, we have it- it just hasn't been applied to your account yet. You can just ignore that email ; you're all set. '' Every month, I would receive this email, but I was told to ignore it ; even when I would call, no one could access my account anyway. 

Low and behold, the automatic payments I had set through my own bank ( because Greensky 's banking system would not accept my bank account information like the routing and account number ) did not match the minimum monthly amount I had agreed upon ( because these late fees were being added to my " minimum balance '' and not my " total balance '' ) which means my minimum balance was increased every month without my knowledge and would incur more late fees every month after. 

After calling multiple times every month for 3 months, I was finally able to speak to someone who could access my account. I was told the late fees would be removed but that I would not be able to access my online portal... ever. Instead, I had to sign up for paper statements, update my mailing address, receive my monthly statements in the mail, and then call every month to confirm the correct balance and schedule a payment over the phone. 

After making a payment to Greensky for the month of XXXX, I was told because I didn't meet the " minimum balance '' of {$700.00} ( when it used to only be {$160.00} ), I was marked as " late again '', thus incurring a late fee. However, this time by checking my credit score, Greensky has marked me as a " failed to make payment '' for the last XXXX months, which has dropped my credit score from a XXXX to a XXXX. 

Every single time I call, no one can access my account ; I ask to speak to a manager, and the customer service reps just tell me to " call back next week '' or " someone will call you back, '' and they never do. After two weeks of escalating this serious issue to managers, I have been promised and told that this will be fixed but I still have no results or confirmation of anything. No email, no statements, no written documentation because they will not provide me any documentation or access to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: MI

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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : 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 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 2024-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
My name is XXXX XXXX. I am reporting a company. This is a company by the name of Jefferson capital SY on behalf of XXXX phone company this was open on XXXX account # XXXX. XXXX keeps putting this back on my credit report under a different name and it keeps getting removed by the XXXX XXXX and XXXXXXXX XXXX this was open fraudulently and I need it to stop immediately of you have any questions I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. # XXXX, # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these account However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
I was hacked I was XXXX they my ability to pay they refused to give me my money back they invited to XXXX my money I on XXXX and feel i was as lack understand they as if I wasn't human

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments

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