vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XX/XX/XXXX : # XXXX ( Charge Card Account ) has violated multiple federal privacy laws. Under 15 U.S.C 1681 SECTION 602 A, I have the right to privacy. Additionally, the Privacy Act of 1974 ( 5 U.S.C. 552a ) requires prior written consent before disclosing records to consumer reporting agencies. XXXX has failed to provide the required privacy notices and opt-out rights under 12 CFR 1016.4 and 15 U.S.C. 6802. 
This account shows multiple delinquencies from XX/XX/XXXX through XX/XX/XXXX, with reported late payments of 30, 60, and 90 days, closing in XX/XX/XXXX. I am exercising my continuing right to opt out under 12 CFR 1016.7 ( h ), which requires compliance " as soon as reasonably practicable. '' The continued reporting without proper privacy notices, opt-out opportunities, and consent violates both the FCRA and the Privacy Act of 1974. I demand immediate cessation of all reporting of this account to any and all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  : # XXXX ( Charge Card Account ) has violated multiple federal privacy laws. Under 15 U.S.C 1681 SECTION 602 A, I have the right to privacy. Additionally, the Privacy Act of 1974 ( 5 U.S.C. 552a ) requires prior written consent before disclosing records to consumer reporting agencies. XXXX has failed to provide the required privacy notices and opt-out rights under 12 CFR 1016.4 and 15 U.S.C. 6802. 
This account shows multiple delinquencies from XX/XX/XXXX through XX/XX/XXXX, with reported late payments of 30, 60, and 90 days, closing in XX/XX/XXXX. I am exercising my continuing right to opt out under 12 CFR 1016.7 ( h ), which requires compliance " as soon as reasonably practicable. '' The continued reporting without proper privacy notices, opt-out opportunities, and consent violates both the FCRA and the Privacy Act of 1974. I demand immediate cessation of all reporting of this account to any and all consumer reporting agencies.

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 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
Year of 2021 Manager for apartment complex XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX. 

Submitted a debt collector request for XXXX claiming damages, left uncleaned, I've had an issue since I moved in. She lied about the apartment she lied about it being infested with roaches, there was a couch left in the apartment when I asked her to remove it she acted like it was mine when I had no furniture at all. I took pictures of the apartment from move in date to the move out date and nothing was damaged I cleaned the entire area and professionally cleaned the flooring carpet and tile. She unlawfully claimed there was animal urine etc broken appliances, change of lock, holes in walls etc and sent a debt collector called national credit systems trying to obtain XXXX she ignored my calls about taking her to court and still to this day it's on my credit file I've tried multiple times to dispute and it gets ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MD

Complaint narrative:
I have been trying to dispute addresses, collections and derogatory accounts off my credit. The investigation is way too quick and not all the dates and amounts align with one each credit bureau. Its holding me back from me working on my credit and its not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX of XXXX stated that XXXX sent my account as verified. I asked XXXX what was done to verify my account. I asked for documents stating XXXX of this title mailed or delivered to consumer not later than 21 days before the payment due date. I asked did XXXX XXXX  provide me with tracking numbers of the periodic statements that was mailed or delivered 21 days before my payment due date. XXXX supervisor XXXX could not verify if the documents were sent. 
I also have information from credit acceptance numbers given to me by an agent of credit acceptance 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 2025-01-30 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: PA

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 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 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The Company claims that this debt is owe to them I have ask for a validation of this debt on multiple times no response to date and this is NOT ACCUARTE and NOT CORRECT. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-30 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: NV

Complaint narrative:
All of a Sudden my child support is on my credit report! I have never missed a payment and have followed our original agreement that we agreed on during mediation. XX/XX/2024 they did a readjustment through the court and my payment went up and thats all that happened. I never missed anything. I dont owe backpay. Why does it say that I have a balance? It does show that I never been late. I need this fixed and/or explain to me because this is a right and it shows that Im in debt when I am not, I have documents from the court of our original agreement and then it was adjusted up like I said in XX/XX/2024.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridge IT, Inc.
State: GA

Complaint narrative:
Payments were reported late from XX/XX/year>- XX/XX/year>. However, payments were made on these accounts during these dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Greetings. I used XXXX to purchase {$250.00} of XXXX XXXX XXXX tickets on XX/XX/year>. Wells Fargo is my bank and marketed XXXX as a means to buy items online and transfer money. XXXX XXXX was on the front page of their mobile app and given prime real estate on their website. After payment of my tickets, the seller went dark. I immediately called WellsFargo to initiate a return or stop on this transaction. At the time, a rival service XXXX would very quickly reverse charges when there was fraud suspected and validated. I was shocked when WellsFargo refused any investigation and blamed me for the error. Their position was they did their job in sending payment. 

I vehemently take issue with this position as their job as a financial institution is the serve and protect their customer. Rather, WellsFargo took the opposite approach and shifted blame to the customer. I contacted the CEO 's office and filed a complaint and had a series of phone calls, yet WellsFargo did not reverse their stance. Quite the opposiite as they went on to continue to promote XXXX on their mobile app and web site. I asked for them to completely remove any and all access to XXXX so I literally do not have any access to use XXXX in the future and they denied. 

While it's been a few years since this situation, I've continued to be bombarded by XXXX proliferation and marketing and wish to file a complaint to finally get my money back due to WellsFargo 's negligence of warning its customers of a fraud-ridden service they are providing.

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 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2025-01-30 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 am disputing a collection account reported by XXXX XXXX XXXX XXXX concerning an alleged debt tied to an apartment lease at XXXX XXXX XXXX # XXXX, XXXX, TX, which was vacated on lease termination in XX/XX/year>. The account in question was opened on XX/XX/year>, which XXXX XXXX XXXX asserts is still owing. However, no outstanding balance was due at lease termination, and all financial obligations were fully met. 

Additionally, the property management, XXXX  XXXX, failed to address significant maintenance issues despite repeated reports, including a severe cricket infestation, which they neglected to resolve, constituting a breach of the lease terms. Moreover, there was an unauthorized release of my personal information by XXXX  XXXX to third parties without my consent, further breaching our agreement. 

Despite providing evidence of these facts and formally requesting XXXX XXXX XXXX XXXX and XXXX  XXXX to cease collection efforts and correct the record, they have continued to pursue this invalid debt and have reported it to credit bureaus, negatively impacting my credit score. 

I have taken the following actions : Sent multiple communications to XXXX XXXX XXXX XXXX and XXXX  XXXX, detailing the reasons the debt is disputed and requesting cessation of collection efforts. 
Requested the removal of any negative information related to this disputed debt from my credit reports. 
This unresolved issue has led to unnecessary stress and potential financial harm due to the impact on my credit score. I seek immediate intervention to have this matter corrected and the erroneous entries removed from my credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2025-01-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-01-30 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: Experian Information Solutions Inc.
State: PA

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 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 2025-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I sent a debt verification letter to the company on XX/XX/year>. The company responded with a last bill and no other information verifying the debt. 
Section 809 of the FDCPA : This section outlines the " validation of debts. '' It requires that when a consumer requests verification of a debt within 30 days of receiving a debt collection notice, the collector must provide written verification of the debt. This verification should include : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
Any additional information that validates the debt and proves that the collector is authorized to collect on it. 
Section 809 ( b ) : If the debt collector doesnt provide verification after a valid request, they must cease collection efforts until the verification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I took out a vehicle loan from Bridgecrest in XXXX, they have charged a higher rate than the legal limit in NC, sometimes charging interest rates higher than 150 % the amount of the premium credited towards my loan, sometimes 100 % of the payment went to interest and 0 % went to the premium due. I purchased the car for {$20000.00}, I had a trade-in valued at {$14000.00}, and I have paid {$15000.00} ( not including all fees ) before closing the loan in XX/XX/XXXX. When I traded in the vehicle on XX/XX/XXXX, Bridgecrest sent a payoff letter to my new loan company for {$12000.00} and it was paid on XX/XX/XXXX. Bridgecrest did not close my loan, or turn over the title, and is now stating that I owe an additional {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: AZ

Complaint narrative:
A purchase was made while I was incarcerated in the total amount of {$1600.00}. 
Im not responsible for the purchase, but can give you an idea who might. The Discover credit card was closed on XX/XX/XXXX, and when I tried to get the financial debt dealt with, theyre saying I could possibly still owe that amount. I just want to dispute the payment with the company by providing them with correct and accurate information, yes I did open a credit card in XXXX the year of XXXX Im not denying that. I reassured issue that its wasnt me that could possibly had make a purchase in that amount, I was incarcerated. I have fraud on my credit report that includes addresses and phone numbers that were unverified by me. Also I have my XXXX XXXX XXXX XXXXXXXX transcript from my conviction date and release date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

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 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 2025-01-30 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: NV

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 explanation
Consumer complaint received 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX requested to have false eviction removed my account came back verified

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