vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: FL

Complaint narrative:
Hi Equifax, I don't know what is going today I am checking my credit report again and still see those fraud inquiries that shall be deleted from my credit report. 
I spoke with the fraud team and they told me I have the right to request those fraud inquiries below for deletion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC
State: NH

Complaint narrative:
On XX/XX/XXXX, I contacted Total Visa and Revvi regarding two accounts I had recently opened, each with a {$300.00} limit. Upon activating both had a balance due, due to fees. I paid both balances in full and used both cards several times. I paid both balances in full on XX/XX/XXXX. On the XXXX neither cars would work, and both showed no balance due, payments posted, and no credit available. I contacted both companies to find out why the cards weren't working. I was advised my payments were considered " suspicious '' and my accounts were deactivated until I could provide proof the payments posted to my checking account, along with a copy of my Drivers License. I submitted screenshots of the posted payments along with the ID photo and waited until XX/XX/XXXX. I called to find out why nothing has been done yet, and was told the " documents I provided are insufficient and they need my entire bank statement ''. I'm NOT giving my entire bank statement to a small credit card company to " verify my indentity '' when it's already been verified multiple ways ( social security number, photo ID, linked checking account under my name, etc ). 

So now I've paid fees to both of these companies for cards that are useless. The cards have no security features ( chip, tap, etc ) but they claim this is all in the interest of " account security ''. It feels like I'm being punished for paying my bills on time.

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 2024-09-13 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: WI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: FL

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 2024-09-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge OFF {$14000.00} TRANSUNION Date opened XX/XX/year> Charge OFF {$14000.00} I called the credit bureaus and sent in debt validation letters, disputing letters, and they told me that I needed to call the company who Im having an issue with. I called XXXX XXXX XXXX they told me that I have to keep it on my credit another year. 
I asked them to please provide copies of the legal notices and proof of the commercially reasonable manner of the subject vehicle. 
They did not provide me with that information within 14 days from receipt of this notice, the alleged claim of a deficiency is to be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Under 15 U.S. Code 1681c-2 Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681s-2 ( 8 ) ( E ) Under 15 U.S.C. 1681i ( 5 ) ( A )

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 2024-09-13 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: TX

Complaint narrative:
EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge OFF {$14000.00} I called the credit bureaus and sent in debt validation letters, disputing letters, and they told me that I needed to call the company who Im having an issue with. I called XXXX XXXX XXXX they told me that I have to keep it on my credit another year. 
I asked them to please provide copies of the legal notices and proof of the commercially reasonable manner of the subject vehicle. 
They did not provide me with that information within 14 days from receipt of this notice, the alleged claim of a deficiency is to be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Under 15 U.S. Code 1681c-2 Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681s-2 ( 8 ) ( E ) Under 15 U.S.C. 1681i ( 5 ) ( A )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
I was seen at XXXX XXXX XXXX on XX/XX/XXXX. My bill was {$860.00} and account # XXXX. My insurance company ( XXXX ) paid {$460.00} on XX/XX/XXXX. XXXX performed a bill adjustment ( assumptive write-off ) on XX/XX/XXXX. I received a XXXX billing statement on XX/XX/XXXX with a {$0.00} balance. See attached document. 

Phoenix Financial Services sent me a debt collection notice on XX/XX/XXXX, which included XXXX XXXX XXXX XXXX as the current creditor and XXXX XXXX XXXX as the original creditor with an original account # XXXX ( this account number does not match my XXXX  account and amount of {$1600.00} ( this does not match the original billed amount that was already paid. XXXX then reported this account as delinquent in XX/XX/XXXX. See attached document. 

I disputed the Phoenix tradeline telephonically with XXXX. I received a dispute response on XX/XX/XXXX that didn't remove the tradeline. Phoenix continued to report the account delinquent in XX/XX/XXXX. See attached document. 

During a phone conversation Phoenix Financial Services, on XX/XX/XXXX, XXXX and XXXX, collections representatives, who stated a social security number that didn't match my number. I requested a debt validation from XXXX. I never received the requested information. 

I sent a dispute letter to XXXX on XX/XX/XXXX. XXXX sent an email on XX/XX/XXXX stating XXXX is unable to honor the dispute request. See attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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:
I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX {$3100.00} Date Opened XX/XX/XXXX XXXX/DEPT OF ED {$31000.00} Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX {$10000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$8700.00} Date Opened XX/XX/XXXX Inquiries XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/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 2024-09-13 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: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed 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 explanation
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was a victim of the Equifax data breach. I contacted all 3 ( XXXX, Equifax, and XXXX ) credit bureaus via certified mail that there were incorrect addresses on my report and that they should be removed immediately. The address are still on my credit report. They are fraudulent and should have been removed over 90 days ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
this account is more than Seven old and by law Bridgecrest will not take it off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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:
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 XXXX - Account Number : XXXX - Account name : XXXX XXXX XXXX Account Number : 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 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. 16815-2 ( 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 2024-09-13 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-09-13 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: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I believe my I believe my identity have been compromise leading to several a credit report that Im not familiar with. I have requested information from these companies from various amounts ranges from XXXX XXXX XXXX. I want even {$4000.00}. Neither get back with me.

Company response to consumer: Closed with explanation