vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR XXXX SENT TO XXXX XXXX Inquiries : ID FOR XXXX SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Collection XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


Late Payment : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 



I urge you to treat this matter with the utmost urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: NV

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I sent a letter credit bureaus with proof that they were reporting inaccurate information on my credit file. XXXX have since deleted this item off of my credit report. However, XXXX and Transunion continues to state that this item belongs on my report despite the proof that I have provided and worked for the other bureau. This inaccuracy is really stopping me from moving forward while hurting my credit rating. I am a victim of identity theft, I ask that the items be deleted to correct my credit report. I have also enclosed copies of the Federal Trade Commission 's Identity The Affidavit. 

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 ( XXXX ) 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 mostly that item of information, as appropriate, based on the results of the reinvestigation, and ( I ) promptly notify the furnisher that information that the information has been modified or deleted from the file of the consumer. 

According to FCRA Section 605B it is illegal to report information on my credit report without my permission Please remove the following items from my credit report, immediately : 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 2024-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
On XX/XX/year> BRIDGECREST ACCEPTANCE CORPORATION committed a non judicial repossession ( not an order given by the judge ), on my personal property from a private location and pursuant to 15 USC 1692F that is illegal. There was no present right to possession of the property claimed as collateral through an enforceable security interest, the property is exempt by law. These corporations, these BANKRUPT MANUFACTURERS have been taking advantage of the people for so long they fail to stay in compliance. According to 15 USC 6802, BRIDGECREST should not and did NOT have my permission to disclose my non-public personal information to a non affiliate third party XXXXXXXX XXXX XXXX, that I have not done any business with, that is identity theft. No court order was signed by a judge nor was I notified in writing that such action would take place I was never given an opportunity to cure and my property was stolen. I never received any non disclosure forms to exercise my rights to opt out. The third party non affiliate XXXX XXXX XXXX was closed all weekend and I was without transportation and my wallet and other important items. My credit was extended to XXXX and BRIDGECREST bought this obligation for pennies on the dollar and is trying to coerce me into making payments for a consumer credit transaction before the Consumer Financial Protection Bureau has had time to complete its investigation. All payments should have been suspended during this administrative process. I informed BRIDGECREST that late payment was being held in escrow after seeking legal advice so there was never any refusal to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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:
This CFPB Complaint is being filed due to Equifax not Complying with CDIA and FCRA Guidelines by furnishing Unverified/Inaccurate ( Field 18 ) payment status information on my credit report. As per CDIA Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable .I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the XXXX XXXX XXXX in regards to the violation of my rights by XXXX XXXX as well as damages caused by these " errors ''. The account in violation is reported as XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of unauthorized accounts that are currently reflecting on my credit report. These accounts are not mine and are adversely affecting my credit standing. 

Details of the unauthorized accounts are as follows : XXXX XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Collection XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

I have attached copies of documentation that support my claim. 

I kindly ask that you investigate this matter and remove these accounts from my credit report as soon as possible. Please confirm the outcome of your investigation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I made the last payment, and they charge me extra fees and interest charge, but I paid all my amount due before the promotion ended.

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 2024-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally file a complaint against Jefferson Capital Systems , LLC for unfair and deceptive business practices related to the handling of my account. Despite my efforts to resolve the issue directly with them, I have been unsuccessful in obtaining a satisfactory resolution. The details of my complaint are as follows : I was contacted by Jefferson Capital regarding a debt that I do not believe I owe, or at least not in the amount they claim. I requested validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), but Jefferson Capital has failed to provide adequate documentation to support their claim. Despite this, they continue to report this debt on my credit report, which has had a negative impact on my credit score.

Additionally, I have experienced harassment through frequent phone calls and threatening letters. I have asked for all communication to be in writing, but they continue to call. This behavior is in violation of my rights under the FDCPA, and I am concerned about the improper handling of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The following accounts are being reported with late payments, despite all payments being made on time, in full, and on the respective due dates : XXXX XXXX XXXXs Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The late fees charged by XXXX XXXX XXXX and the reporting of late payments in my consumer report are false and misleading. These errors have caused significant damage to my reputation, character, and overall quality of life, as well as affected my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
On XXXX of 2024 I opened a checking account with E*Trade from Morgan Stanley as they offered me a 3 % APY interest and a minimum of {$250.00} a month in direct deposit or multiple options was required to avoid the account monthly fees, few days later the Financial Institution changed their policy and informed me that the only way to avoid the account monthly fee was to keep {$5000.00} a month, so I decided to move some of my money to another Financial Institution as they offered me a better deal. On XX/XX/year>, I made a payment to XXXX XXXX in the amount of {$1100.00} using the aforementioned account. Because some money was transferred to the new Financial Institution, Morgan Stanley Bank retaliated and on XX/XX/year>, at XXXX I received an email from E*Trade requesting to contact them to restore functionality of my account as unusual activity was detected in my account and freeze it. On XX/XX/year>, at XXXX I called E*Trade, and was questioned of why I moved a large amount of money to the new Financial Institution ; my response was that E*Trade changed their policies and my recourse was to move my business to another Financial Institution. The associate demanded bank statements from my old Financial Institution to verify the source of my income and Estate, I downloaded my bank statements the same day. On XX/XX/year>, I was able to speak to a E*Trade associate and she cleared the problem and reestablished my account. The payment for XXXX XXXX XXXX {$1100.00} ) was rejected for payment by Morgan Stanley Bank and a Defense Finance Accounting Services deposit ( {$670.00} ) was rejected. The associates told me that some account features were temporarily disabled, but in reality, I was unable to receive or send money from the checking account. 
Because all this mess, XXXX XXXX interests bill increased from : {$430.00}, to : {$540.00}, and my principal payment decreased from : {$660.00}, to : {$550.00}. 
The XXXX XXXX XXXX XXXX direct deposit was rejected on XX/XX/year>, by Morgan Stanley Bank and was not recovered until XX/XX/year>, by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXX XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and XXXX  due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.

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 2024-09-30 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: TN

Complaint narrative:
In accordance with the Fair Credit Act this creditor has violated my right under 15USC 1681section 602 has the right privacy 15USC 1681 section 604 a section 2 consumer reporting agency can not furnished account without my written instruction. under 15USC 1666b a creditor may not treat a payment account under open consumer plan as late. please removed this inaccurate fraudulent reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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.
State: TN

Complaint narrative:
In accordance with the Fair Credit Act this creditor has violated my right under 15USC 1681section 602 has the right privacy 15USC 1681 section 604 a section 2 consumer reporting agency can not furnished account without my written instruction. under 15USC 1666b a creditor may not treat a payment account under open consumer plan as late. please removed this inaccurate fraudulent reporting.

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 2024-09-30 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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX BXXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 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

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 2024-09-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX BANK ( account number XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS IS FRAUD NEVER LIVED HERE I LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT OWE XXXX XXXX XXXX NOTHING FRAUD FRAUD FRAUD [ PLEASE REMOVE

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 2024-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Please reference complaint # XXXX. The representative responded to the complaint provided false information. If the representative is saying they are only acknowledging XX/XX/year> certified letter, with the information she supplied came from my XXXX certified letter tracking number XXXX XXXX XXXX XXXX XXXX XXXX, mailed XX/XX/year>. How is that possible? How can I provide the account numbers from the XX/XX/year> certified letter tracking number XXXX XXXX XXXX XXXX XXXX, when I didnt have the account number? She gave the FTC numbers as account numbers when that was not provided to them until XX/XX/scrub>XXXX XXXX XXXX. So no, those numbers will not be in their database, because they belong to FTC. This proves they have received both of my certified letters XX/XX/year> and XX/XX/year>, and are failing to remove this fraud account from my credit report. I have already spent too much money attempting to resolve this account and retrieve the information I need to escalate to the XXXX Police Department. IC System need to be held accountable and so does XXXX. Additionally, IC Systems is not authorized to conduct business in the state of Texas. I will also be sending a complaint to the Texas Office of Attorney General - deceptive practices, false information and refusing to remove this fraud account. No proper ID could have been provided, because I did not create the account.

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