vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2024, I have made attempts to dispute the debt own on this account to be inaccurate and incomplete. This item was purchased by a third-party debt collector, XXXX. XXXX, XXXX. I have no written contract with them to pay this debt. The amount displayed on my credit report is incorrect and was paid for less than owed, by the third-party debt collector. The question is how much did the collection company ; XXXX. XXXX, XXXX pay for this item? I don't know and neither does my credit report reflect such an amount. I am exercising my rights, because this is clearly a violation of the FCRA, section 609 and 611. It is not accurate nor is it complete. Therefore, this must be DELETED IMMEDIAELY. This credit bureau has not responded back to me as of yet or resolved the problem.

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 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
A negative deptcollection appeared on my credit report on XX/XX/year>, affecting my credit score and negative results on my credit.

I sent this company a debt request information latter to explain to my where this dept is coming from because it doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have contacted Bridgecrest twice today & have been hung up on twice by two different agents after asking them to clarify where on my original contract it states that the loan accrues daily interest or " per diem '' as the first agent stated. The original contract with the dealer states it is a " Simple Interest Retail Installment Contract '' and there is a marked APR percentage and a calculated amount for both payoff and loan. That page is signed & agreed to. When I call bridgecrest to ask why my interest and principal payments vary so differently, I am just now having someone explain that my actual interest is DAILY & that the application towards the principal varies depending on when I pay despite never having paid late. When I asked for monthly statements for my records, the agents both stated " bridgecrest does not do that ''. They force you to sign an arbitration agreement as well when you go to the lender but do not mention anything about the daily interest. When I spoke with the second agent, she states that I need to contact XXXX XXXX about my contract because my contract is with them not with Bridgecrest. This makes no sense since Bridgecrest is the lending bank/provider. This contract/lending type violates the Federal Truth In Lending Act, they know this, that is why everyone is forced to sign Arbitration papers & papers stating you will not sue them in a state court before you can leave with a vehicle. The contract states they are abiding by the truth in lending act but they are not ; no one explained or even mentioned the DAILY interest rate that gets applied and how it changes your principal payment allocation depending on when you pay it, even if it's paid on time. No other dealership does this. I had a call today with an agent from Bridgecrest at around XXXX XXXX  EST who stated that my contract is NOT with Bridgecrest and so they are not responsible for what I was told about the contract. If the loan is not with Bridgecrest, why am I paying Bridgecrest? When I asked her this, she hung up on me. 


We have never missed a payment and have never been late. We are 2 years into this loan, have paid almost {$12000.00} and the loan has only gone down {$4100.00} with a $ XXXX monthly payment on 19.87 %. Make it make sense. This is a modern day robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NE

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

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 2024-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I contacted Resurgent about 4 accounts showing on my credit report I sent them a Debt Validation letter however they keep sending me just statements. I made a complaint on one of the accounts through this website and they closed it on XX/XX/year> stating that they had no sufficient information to be collecting this debt. However, they keep sending me statements for the other 3 accounts and directing me to go to their website to make payments or full payment, even though they have NEVER sent me Validation that they legally own said debt. I am not paying these debt collectors that don't own said debt that they are harassing not just me but my ex-husband and his family that I've been divorced for 10 years now. I am disgusted with their tactics and pretty upset with how they conduct business. They have also transferred one of the said debts above to one of their subsidiaries within their shell company of Resurgent. I am unable to find the documents on the new company who sent me a bill of owing them now. But when I do I will definitely upload them to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I applied for a Delta Skymiles American Express credit card because they had a promotion of XXXX miles and {$500.00} statement credit after spending {$3000.00}. I took a screenshot of the offer and then applied for the card and the same day was approved. I then purchased {$4500.00} of Delta airline tickets. I followrd up 3 days after the transaction cleared to check on the welcome bonus. American Express told me to wait 5 business days. I followed up aftet 5 business days and they told me the XXXX bonus miles was applied but they could not find the {$500.00} statement credit offer. They provided me a link to upload the offer screenshot and said they would open a case. I followrd up on the case and they said it would take up to 8 weeks to investigate. The bill is due sooner than 8 weeks and would never have applied for the card if it did not include the {$500.00} statement credit. I feel this is a bait and switch scheme by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
On XX/XX/year> I requested Trans Union and XXXX to explain to me basically why they are falsifying information on my credit report. They have sent me another response to my dispute stating they both verified information from XXXX. I have attached again the response XXXX who states that Bankruptcy is unverifiable and not listed with them. I also have attached another letter from US BANKRUPTCY COURT who states they do not report to bureaus. I have also attached the response from Trans Union and XXXX showing they state XXXX verified information which is untrue. Trans Union or XXXX have yet to validate this and I'm asking for unverified information to be immediately removed. The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to delete, modify, or stop reporting disputed information that is inaccurate, incomplete, or can not be verified. This is outlined in 15 U.S. Code 1681i.

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 2024-12-10 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-10 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: DE

Complaint narrative:
I noticed errors on my credit report in reference to 15 USC 1681c-2. Unapproved inquiries have been recorded, impacting my score. Kindly remove all unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 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 2024-12-10 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 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 r
eport 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 explanation
Consumer complaint received 2024-12-10 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: VA

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to dispute inaccurate information that is currently listed on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), it is mandated that all information on my credit report must be 100 % accurate across all three credit reporting agencies. The information in question is related to the following account. 

Capital One Auto Finance # XXXX This account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Your neglect has violated my rights. I am demanding a deletion. 

Failure to address and correct these inaccuracies will leave me no choice but to pursue legal action. Under the FCRA, I am entitled to collect {$1000.00} in damages for each inaccuracy present on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: NY

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

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

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 2024-12-10 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: NY

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 
1

5 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian, XXXX, 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 accounts opened at XXXX XXXX XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and credit card accounts opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, along with three unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent negative accounts 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, or hard inquiries as reported. The aforementioned accounts, 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 # XXXX 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
Consumer complaint received 2024-12-10 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: SC

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I received a call stating that I owed money to Fair Collection and Outsourici. They are stating they represent XXXX of XXXX. Which is where I used to live. They attempted to evict me went to court and they were to dismiss all fee because of the unhealthy environment I was living in. XXXX and Judge had court with me being present because I was told incorrect time for court and arrived 15 minutes late. XXXX has sent balance to collect agency and it should be null and void.

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 2024-12-10 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
In accordance with the fair credit act Ally Financial account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX, have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation