vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: VA

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I attended XXXX XXXX XXXX in XXXX from XXXX of XXXX XXXX of XXXX. The lies that I was told to secure these loans were unconscionable. I was told the school would assist with job placement. I was told that these loans would be easy to pay back. I was told that it was easy to secure a job with this degree. I was told that my credits were from an accredited school and would transfer to another school without issue. This was all false information. In XXXX, the remainder of my loans were paid in full. Over {$80000.00} worth of loans were paid back only because the home I lived in, that my in-laws owned, was sold. Some of the money from that sale was used to pay off my loans. I was being crushed under the weight of my loans. So many financial things in my life were denied because of my insurmountable student loan debt. I was told that school was about {$40000.00} and I took out around another {$12000.00} to help my family while I was in school. How does it balloon out of control like that? I paid almost double, if I did the math correctly, from what I took out. Fluctuating interest rates caused principal payments to be worthless. How do these companies, Navient and XXXX XXXX specifically, get away with such things? Hardly any of my payments went towards the principal. It wasn't until a home got sold did this get fixed. Many people are getting their loans cancelled and refunded. Obviously, I no longer have this debt but I do deserve to have it refunded to me just the same as the unfortunate people who are still paying or are in default are having theirs refunded. When I have tried to reach out to Navient, they are no help because I no longer have loans with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: PA

Complaint narrative:
FCRA 605B, I think, requires us to eliminate any incorrect accounts from my credit report. Can you please verify the documents? Some of the listed accounts have inaccuracies in terms of reporting, such as incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: PA

Complaint narrative:
FCRA 605B, I believe, requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.

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 2024-05-11 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Improper Account Reporting by Bridgecrest Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the improper reporting of an account by Bridgecrest on my credit report. I seek your assistance in resolving this matter in accordance with applicable U.S. laws and regulations. The timeline of events and actions taken by XXXX XXXX on my behalf are as follows : XXXX. XX/XX/XXXX I first discovered the inaccurate account reported by Bridgecrest on my credit report and immediately contacted XXXX XXXX for assistance. 

XXXX. XX/XX/XXXX XXXX XXXX sent multiple letters to Bridgecrest, requesting documentation to validate the ownership of the account and provide a detailed breakdown of the outstanding amount. 

XXXX. XX/XX/XXXX Following the lack of response from Bridgecrest, XXXX XXXX escalated the issue by contacting their customer support team and engaging in numerous discussions to seek clarification and resolution. Despite these efforts, Bridgecrest has failed to provide the necessary documentation to validate the legitimacy of the debt and confirm my ownership of the account. 

This improper reporting has caused significant distress and financial harm, impacting my credit score and financial opportunities. I believe that Bridgecrest 's actions violate the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. Specifically, Bridgecrest has failed to provide accurate and verifiable information, as required by law, leading to erroneous reporting on my credit profile. I respectfully request the following actions from the Consumer Financial Protection Bureau : 1. Conduct a thorough investigation into the improper reporting by Bridgecrest. 
XXXX. Enforce compliance with FCRA regulations and other applicable laws to ensure accurate and fair reporting of consumer information. 
XXXX. Facilitate the removal of the inaccurate account from my credit report. 
XXXX. Impose appropriate penalties or corrective measures on Bridgecrest for non-compliance with consumer protection laws. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your dedication to protecting consumer rights. Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've always ensured that payments on this account are made on time, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: OH

Complaint narrative:
This is my multiple attempts to inform you that I am an identity theft victim and that I am questioning some records in my paperwork that XXXX have been obtained via improper means. The data under scrutiny pertain to transactions in which I have neither made nor approved the acquisition of any products, services, or money. Remove from my credit report any information that is notable that resulted from a purported scam or extortion, assuming that no one will care in either case. 
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 2024-05-11 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: OH

Complaint narrative:
This is my multiple attempts to inform you that I am an identity theft victim and that I am questioning some records in my paperwork that may have been obtained via improper means. The data under scrutiny pertain to transactions in which I have neither made nor approved the acquisition of any products, services, or money. Remove from my credit report any information that is notable that resulted from a purported scam or extortion, assuming that no one will care in either case. 
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 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I hope this compliant finds you well. I am writing a compliant to express my deep concern regarding Early Warning Services ' refusal to dispute negative items from my banking history and the subsequent hindrance I have faced in opening new accounts. 

As a responsible consumer, I believe in maintaining a good financial standing and adhering to my financial obligations. However, I have recently discovered that there are negative items associated with my banking history that are being reported by Early Warning Services. These negative items are inaccurately reflecting my financial behavior and are hindering my ability to open new accounts with other financial institutions. 

I have made numerous attempts to dispute these negative items with Early Warning Services, providing supporting evidence and documentation to prove their inaccuracy. However, to my disappointment, Early Warning Services has continuously refused to address my concerns and rectify the situation. 

This refusal to take action not only affects my ability to establish new banking relationships but also damages my creditworthiness and financial reputation. It is essential that accurate and fair information is reported by credit reporting agencies to ensure a fair assessment of an individual 's financial responsibility. 

I kindly request that Early Warning Services reviews my case once again and initiates a thorough investigation into the negative items reported on my banking history. I expect a prompt response and resolution to this matter, as it is crucial for my financial well-being. 

XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX  XXXX : ACT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: IL

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. These entries inaccurately reflect my credit history. Compensation of {$1000.00} is due for each such erroneous entry on my credit record.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. These entries inaccurately reflect my credit history. Compensation of {$1000.00} is due for each such erroneous entry on my credit record.

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 2024-05-11 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: MI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-11 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: NJ

Complaint narrative:
FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some accounts listed have inaccuracies regarding reporting, amounts, and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Subject : Dispute Regarding Improper Reporting by Citibank/Citi Cards Dear Consumer Financial Protection Bureau , I am writing to bring to your attention an issue regarding the improper reporting of an account on my credit report by Citibank/Citi Cards XXXX This matter concerns a discrepancy in reporting that has negatively impacted my credit standing. I believe that this reporting is in violation of the Fair Credit Reporting Act ( FCRA ) and request your assistance in resolving this issue. 

Fair Credit Reporting Act ( FCRA ) Violation : Citibank/Citi Cards ' improper reporting of the account violates the FCRA, which mandates accurate reporting of consumer credit information. The inaccurate reporting has caused harm to my creditworthiness and financial standing. 

Fair Debt Collection Practices Act ( FDCPA ) Violation : If the improper reporting involves debt collection practices, it may also be in violation of the FDCPA, which prohibits deceptive or unfair debt collection practices. 

Requested Action : I respectfully request that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal or correction of the improper reporting by Citibank/Citi Cards . I also request an investigation into any potential violations of the FCRA or FDCPA related to this issue. 

Thank you for your time and assistance in this important issue. 

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 non-monetary relief
Consumer complaint received 2024-05-11 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: PA

Complaint narrative:
I believe FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and I realized that there was incorrect information in my credit report, I would like it removed from my credit report since it prevents me from applying for 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 explanation
Consumer complaint received 2024-05-11 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: NC

Complaint narrative:
My car was repossessed in the XXXX XXXX XXXX, but recovered the same day. I had no idea this was reflected on my credit report! 
The company did NOT alert me as to the disclosure of such information on my credit report.

I can legally ask the the removal of the repossession and late fee 's from this account according to 15 USC 1666B ( a ). A creditor may not treat a payment account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: MI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-11 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: MI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IMMEDIATELY REMOVE un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


IMMEDIATELY REMOVE tradelines XXXX XXXX XXXX
Account:
XXXX XXXX XXXX XXXX
Account:
XXXX  

Account #:
XXXX XXXX XXXX XXXX XXXX
Account:
XXXX XXXX XXXX  Account: 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