vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
The creditor ( Bridge Crest ) reported a Late Payment and put my credit account in Derogatory status on XX/XX/year>. I called them and requested a payment plan due to the hardship of my brother passing away and having to assist with funeral costs. I had to help other family members with funeral expenses as no one suspects death or an emergency of some sort, so in this case, I called to arrange my auto loan payment, and they recorded all the calls. So I did follow through with my set arrangements and the amounts I was told to pay made them aware of what I could pay and called when I needed to make further arrangements, and they said ( the customer service representative ) Bridge Crest got the payment late and stated due to my bank issuing time which I'm not accountable for it in some cases take the banks up to 3 days to release funds, and when Bridge Crest receive their payment it also take them 2-3 to collect but the Posted date is unchangeable and I have no control over this. I sent payment on the day asked and was told I wouldn't be under threat of a 30-day late payment credit reporting because the amount would help my interest as well as payment, a few days later, I got a notification a derogatory statement was reported on my credit report and unfortunately, it was BridgeCrest again they record their calls and they claimed that this matter happened because of timing then another time they stated because the car note was not paid in full which was lacking XXXX dollars. They made arrangements with me to ensure my complete coverage of the full car note for that billing cycle and no reporting to the credit bureaus, I feel that they violated my consumer rights under coding as the late payment coding15 U.S. Code 1681s-2 ( a ) and15 U.S. Code 1681s-2 ( b ), as well and I feel that wasn't a reason to report me and I was assured this per recorded calls I wouldn't be affected and I asked them to review the calls and this would assure confirmation. They ( the customer service team ) and the department that handles supervision complaints stated they would review but it was internal that it would be handled inside the company so basically if they found what I said to be true I wouldn't know. I hope that you find my complaint worthy of investigation. Also please assist with removing that derogatory late payment as that has depleted my score tremendously and is stopping me from trying to apply for home buyers to provide stability for my family and me a place to live, I feel they treated me unfairly as I am a loyal consistent paying customer. I have all documents supporting these facts along with copies of all the documents sent to all three bureaus and Creditors which have been uploaded. Respectfully yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: Experian Information Solutions Inc.
State: TX

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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 2024-11-30 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: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2024-11-30 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2024-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Gatestone & Co. International Inc.

Complaint narrative:
I could not recieve XXXX  for semester XX/XX/XXXX- XX/XX/XXXX arguing that i was not a fulltime student. I appealed it as im on XXXX, this got approved however XXXX said it was too late to change anything and recieve my XXXX  because I have to pay my student account they can not approve my funds being released. I inquired on a payment plan and was rejected and told i have to pay it in full. The school went on strike for second semester. I was denied graduation in XX/XX/XXXX. 

I was locked out of my student account and tried contacting XXXX numerous times without success. 

Without getting into personal details in between this period and the following information below... 

I am now applying to school again, was denied by XXXX  stating that I owe my school money so my standing is insufficient. 

I've contacted XXXX  and they've stated that my transcript is on hold and I hsve to oay it in full - that they have denied me any payment program. 

I am now having to pay back my national student loan and XXXX, which I can not afford. 

I'm awaiting for the credit operations team to find someone who can assist me. However I'm being told the same thing over and over again.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account listed under my name. This inaccuracy is negatively affecting my ability to secure credit. Please remove this account from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I tried to open a loan ( auto ), submitted all the paperwork. Perfect credit score and income over what is the minimum, i was denied aince i am 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 2024-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I reported information was identified theft because I was unknown of them depts and they were Unauthorized so I would like to Dispute all them collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : and XXXX XXXX XXXX Account has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX and XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-11-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX : and XXXX XXXX XXXX  Account has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-11-30 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: DISCOVER BANK
State: NY

Complaint narrative:
Subject : Dispute Regarding Credit Inquiry Made Without Permissible Purpose To Whom It May Concern, I am writing to dispute a credit inquiry made by Discover Financial Services, reflected on my credit report with an inquiry date of XX/XX/XXXX, and a removal date of XX/XX/XXXX. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), you are required to have a permissible purpose to access my credit report. I do not recall authorizing Discover Financial Services to conduct a credit inquiry, nor do I have any existing business relationship or credit application with your institution that would justify this inquiry.

Violation of FCRA 1681b Under the FCRA, a permissible purpose to obtain a consumer report includes : A credit transaction initiated by the consumer. 
A firm offer of credit or insurance. 
The consumer 's written consent. 
A legitimate business need in connection with a transaction initiated by the consumer. 
Since I did not initiate a transaction, apply for credit, or authorize this inquiry, it appears that this credit inquiry was conducted without a permissible purpose, in violation of 15 U.S.C. 1681b.

Request for Resolution I request that you : Provide evidence of the permissible purpose that justifies this inquiry, including any written authorization I may have provided. 
Remove the inquiry from my credit report if no such evidence exists. 
Provide written confirmation of the steps you have taken to address this issue. 
Compensate me {$1000.00} for violating my consumer rights under the FCRA, as this unauthorized inquiry has caused harm to my creditworthiness and financial standing. 

Please respond to this letter within 30 days of receipt. All correspondence can be sent to the address listed above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On Friday XX/XX/year> I noticed multiple transactions on my wellls Fargo online account which I did not make and reported them promptly. 

2 claims were made for these transactions. 

Claim # XXXX for {$550.00} And claim # XXXX for {$170.00}

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 2024-11-30 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: VA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft resulting from a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am requesting that the following fraudulent accounts and credit inquiries be blocked and permanently removed from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: IL

Complaint narrative:
I have not Supplied Proof under the doctrine of estoppel by the silence XXXX. v XXXXXXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt in fact therefore exists. ( Please remove this account before i seek litigation for defamation of character ). XXXX XXXX. {$200.00}, XXXX XXXX XXXX XXXX. {$5900.00}, XXXX XXXX XXXX XXXX. {$3800.00}, XXXX XXXX XXXX. {$400.00}, XXXX XXXX XXXX XXXX XXXX. {$1000.00}, XXXX  XXXX XXXX XXXX, XXXX. {$320.00}

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 2024-11-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX BALANCED {$0.00} XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation