vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis is continuing to report inaccurate information on my consumer report. My name is XXXX XXXX there should be no other names on my report if there is it should be removed immediately it is causing me identity issues. My address is XXXX XXXX XXXX XXXX, IL XXXX there should be no other address on my report it is not correct and causing issues with my mail delivery and credit report. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Im XXXX XX/XX/year> credit acceptance co the charge me a lot of interest rate plus the add gap insurance I never no about I need to take am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following inaccurate information reporting to my credit : credit acceptance Inaccuracy Found I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
lawait your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes Sincerely,

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 2024-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: OR

Complaint narrative:
My auto loan with Bridgecrest was paid off on XX/XX/XXXX. 

They correctly reported the account closed and paid in full XX/XX/XXXX, but then reported it open again with a full balance of {$37.00} on XX/XX/XXXX. 

XXXX showed the account still open with a balance as of XX/XX/XXXX. 

I disputed it as inaccurate on XX/XX/XXXX and they apparently again changed the account to closed and paid off on my credit report.

However, again several days later changed it back to open and denied the dispute saying it was accurate as-is.

I opened another dispute today stating that the account was paid off in full the last week of XXXX, and is closed and paid in full as agreed. 

I then called Bridgecrest a few minutes ago to see why they are apparently telling XXXX the account is open with a balance when it is paid off and closed. 

The Bridgecrest representative told me that they only report to the bureaus at the end of each month. 

I asked why then did you report it as open with a balance at the end of XXXX when it was already paid off? 

As well, I asked why did they tell XXXX when I disputed the status of the account on XX/XX/XXXX that it was still open? 

Their answer was that at the end of XXXX they will report to the credit bureaus that the account is closed and paid off in full, which is a full XXXX months AFTER it was paid, and AFTER they've already falsely changed the status from the accurate status of closed and paid, back to open with a XXXX XXXX balance! 

I said that does not answer my question as their report to the bureaus in XXXX was inaccurate and false since the account had been paid in full and closed in good standing, AND it had already been accurately reported as closed and paid in the first place! 

As well, I said that also does not answer my question as to why they falsely reported my account still open to XXXX in XXXX when I filed the dispute on XX/XX/XXXX about the status. 

Bridgecrest has now knowingly reported false and inaccurate information to XXXX at least twice within a XXXX  day period. 

Upon contacting them today, they declined to correct any of the inaccurate information they have reported and are purposefully declining to comply with the FCRA.

They are knowingly violating my right to dispute false and inaccurate information they report about my credit to the bureaus.

This willful failure to follow the FCRA has now significantly and negatively affected my credit rating with the bureaus.

As a small business owner that depends upon my credit rating to help attain needed capital to support my business, and fund payroll for my employees between client project payments, this willful violation of the FCRA is directly negatively affecting my livelihood and financial capabilities to successfully run my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: NY

Complaint narrative:
I sent a copy of the FTC report, and it has come to light that you are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following items listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
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

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 2024-03-22 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: NY

Complaint narrative:
I sent a copy of the FTC report, and it has come to light that you are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following items listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I have never been in contact with this company. I need to see the original debt with my signature and a notice, I never received anything showing I owed a debt. And I do not have and attorney and do not need one because the debt is not mine... They are making false reports on my credit file. I am requesting the they remove any and all reports that they have sent to the credit bureau without my consent or prior approval per U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: NRA Group, LLC
State: VA

Complaint narrative:
Tuesday XXXX XXXX I was able to receive a credit report because I kept falling my identity test. While reviewing my credit report I noticed that I had two social security numbers that was attached to accounts on my credit report. I also had an account with wrong information. So, the account with wrong information was " XXXX XXXX ''. This account was from XXXX XXXX XXXX XX/XX/XXXX. I gave them a call because I have XXXX and I didn't understand why my insurance wasn't billed. After speaking with them I found out the information that was on that account was not the same as my information so I'm requesting a dispute. Next was National Recovery Agency XX/XX/XXXX this account was for " XXXX XXXX XXXX ''. This account made me very upset because I have never had my own place and there billing information isnt consistent with mines. Also, I live in Virginia, and I can provide receipts for the last 8 years. Then the last one was National credit adjusters XX/XX/XXXX. This account is from Ohio as well, but the account was attached to a another social on my report and it was around the time I was giving birth to my daughter at XXXX. I believe someone may have had access to my information because I did lose my I.D . While riding home from work on the bus, I was so tired I left my purse and didn't realize it until I got home. 
.

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 2024-03-22 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: National Credit Adjusters, LLC
State: VA

Complaint narrative:
Tuesday XXXX XXXX I was able to receive a credit report because I kept falling my identity test. While reviewing my credit report I noticed that I had two social security numbers that was attached to accounts on my credit report. I also had an account with wrong information. So, the account with wrong information was " XXXX XXXX ''. This account was from XXXX XXXX XXXX XX/XX/XXXX. I gave them a call because I have XXXX and I didn't understand why my insurance wasn't billed. After speaking with them I found out the information that was on that account was not the same as my information so I'm requesting a dispute. Next was XXXX XXXX XXXX XXXXXX/XX/XXXX this account was for " XXXX XXXX XXXX ''. This account made me very upset because I have never had my own place and there billing information isnt consistent with mines. Also, I live in XXXX, and I can provide receipts for the last 8 years. Then the last one was National credit adjusters XX/XX/XXXX. This account is from Ohio as well, but the account was attached to a another social on my report and it was around the time I was giving birth to my daughter at XXXX. I believe someone may have had access to my information because I did lose my I.D . While riding home from work on the bus, I was so tired I left my purse and didn't realize it until I got home. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: TN

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-03-22 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: TN

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-03-22 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.

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 2024-03-22 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:
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 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 2024-03-22 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-03-22 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: VA

Complaint narrative:
I have a Home Equity Line of Credit with XXXX XXXX XXXX. This loan is for {$50000.00} and I have used {$47000.00}. The loan was to renovate and upgrade a home I purchased that was built in 1973. The home is collateral on this loan. My credit score dropped dramatically. After investigating it was determined that this Home Equity Line of Credit loan is being calculated in with Retail Revolving Accounts and has thrown my debt ratio above 30 %. That is having a detrimental effect on my XXXXedit score which has dropped more than 50 points. XXXX and XXXX are not doing this ( I don't think ). I have had this type of loan before and it was handled as a home mortgage account. Especially since my home is collateral for the loan and I use the interest, etc. as a tax deduction. This is not a credit card or revolving credit account. It is, however, a home mortgage account and needs to be treated as such or this will fall out of favor with consumers very quickly. The credit bureau is telling me that I have to refinance my mortgage loans to fix this. That is considerable cost as interest rates are high at the moment and refinancing one or both of my mortgage loans will result in excess of {$10000.00} in closing costs.

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