vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-03 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-03 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: VA

Complaint narrative:
This is conjunction with my previous complaint ( # XXXX ) filed with XXXX ( XXXX XXXX ) and CFPB on XX/XX/year>. It was NOT properly resolved and as a result my credit score is suffering. This is impacting my everyday life and credit redlining at its best. I plan to pursue legal action at this point. I received a response from XXXX XXXX, stating that they could not identify me by Social Security #, which is odd being that they told CFPB that they were working on the complaint but managed to close it at this point on their end without remedy. This needs to be fixed immediately. There has been no changes on my end that would caused a XXXX point credit score reduction. I will pursue legal action if this is NOT fixed.

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 2024-07-03 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: GA

Complaint narrative:
I LOOKED AT MY REPORT BACK ON XXXX, XXXX XXXX AND NOTICED SOME THINGS ARE INCOMPLETE AND NOT ACCURATE AND ACCORDING TO FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCIES PREPARE A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURE TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT THE REPORT RELATES. 

I SENT A LETTER ASKING THEM TO INVESTIGATE THE ACCOUNTS LISTED BELOW BECAUSE ( XXXX  XXXX OPEN DATE IS NOT REPORTING CORRECTLY DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT THIS ACCOUNT IS NOT ACCURATE ( XXXX XXXXXXXX ) OPEN DATE IS NOT REPORTING CORRECTLY DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT THIS ACCOUNT IS NOT ACCURATE I GOT THE INVESTIGATION BACK NOTHING WAS MODIFIED OR UPDATED SO I REQUESTED A DESCRIPTION OF THE RE INVESTIGATION THEY DO NOT PROVIDE IT TO ME WHICH IS A VIOLATION OF 15 USC 1681i7 they are violated 15 usc 1681i ( 5 ) can you look in to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I recently checked my credit report and discovered that the credit bureaus are reporting inaccurate information.

The Collection Agency has not provided validation Information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( l ) This Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

This Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violations of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) LVNV Funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> logging into my BMO account in order to XXXX  my son {$100.00}, I noticed a pending ACH to XXXX XXXX for {$3600.00}. I immediately called and after 3 attempts to block the ACH with customer service agents who said they couldn't help, I requested the manager, XXXX. He said they couldn't stop or block the ACH but could only freeze the account and submit a fraud investigation. In the process, I identified 3 other unauthrozied/fraudulent ACHs to XXXX for {$500.00}, {$200.00} & {$50.00} that occurred on XXXX. XXXX said we had to submit another fraud investigation. XXXX said the bank could not provide a timeline for resolution but did say I would received written notification. To date I have not. Nor is there anything on the website from the company regarding my problem when I login ( now with a new password ). There is no way to use chat, send a secure email/or any email nor any information about how to communicate with the bank in writing whatsoever. More troubling there's nothing on the site about fraud alerts or anything about an emergency problem like fraud. I tried calling today with the confirmation codes XXXX gave me but the agent said there was nothing to report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-03 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: SC

Complaint narrative:
I have reached out to TransUnion, XXXX, & XXXX to have XXXX inaccurate collection accounts removed from my credit report several times. The first request was submitted on XX/XX/year>. I have asked all XXXX of these companies to verify these alleged debts, and I have not received a response, however, my credit profile has been updated to show that the collections meet FCRA guidelines which is false. I have disputed both by mail and online. The online dispute came back verified the same day, in which, the credit bureaus have not even had time to reach out to the collection agency to verify a debt. I have also reached out to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, the XXXX companies that are reporting inaccurate information to the above-named credit bureaus and they have yet to supply the information requested and it has been more than 30 days.

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 2024-07-03 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: SC

Complaint narrative:
I have reached out to XXXX, Equifax, & XXXX to have XXXX inaccurate collection accounts removed from my credit report several times. The first request was submitted on XX/XX/year>. I have asked all XXXX of these companies to verify these alleged debts, and I have not received a response, however, my credit profile has been updated to show that the collections meet FCRA guidelines which is false. I have disputed both by mail and online. The online dispute came back verified the same day, in which, the credit bureaus have not even had time to reach out to the collection agency to verify a debt. I have also reached out to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, the XXXX companies that are reporting inaccurate information to the above-named credit bureaus and they have yet to supply the information requested and it has been more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a laptop on my Best Buy credit card account for which I never received a physical card ( which is fine with me. ) The store salesperson looked up the account number and put through the purchase. I received the statement a few weeks later which only listed the last XXXX digits of the account. I am unable to pay the account using my online banking app without the full account number. When I called customer support, they said they don't include the account number on the statement for security reasons since the bill sits in a mailbox. They offered to send a new card ... to the same mailbox where it will sit. I tried to point out the absurdity of their logic and the robots they have working there can not think for themselves. They are impeding my ability to pay my debt to them by not including my account number nor providing my account number after verifying my identity. Their alternate solution was for me to give them my bank account information over the phone to them. It's OK for *me* to share personal banking information with them but they won't tell me what my own account number is on the statement they send me? I ran into this with XXXXXXXX XXXX also XXXX years ago and in the middle of XXXX, I had to go into the store to pay off and close that account. Please issue a Technical Bulletin or some other communication to U.S. vendors that unless they are providing sufficient information on their statement for a customer to pay their bill, that they should have no expectation of payment. They did offer me to go into the store to give them my banking information or debit card in person which I am not comfortable with. Aside from the risk of having the information stolen, I have multiple auto-immune disorders, work from home and avoid the public as much as possible. Why can't I pay them securely through my online banking application as I do my utilities, my property taxes or all my other debtors? Your help is appreciated. Thank 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 explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the Navient account ( Account Number : XXXX ). The report lists a balance of {$2200.00}, balance updated XX/XX/XXXX, original balance of {$2600.00}, paid off 14 %, $ 0 monthly payment, account opened on XX/XX/XXXX, last payment date of XX/XX/XXXX, terms 300 months, status open, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: MI

Complaint narrative:
I was going back-and-forth with XXXX XXXX credit card services on them reporting that my account was late, but my account was compromised due to fraud and authorized payments were used. So due to fraud, they sent me a letter saying that my account was never late, but the credit bureau will not change that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In XXXX I made Dispute for all three credit bureaus I didnt give written permission or consent 15 usc 1681a2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XXXX I made Dispute for all three credit bureaus I didnt give written permission or consent 15 usc 1681a2

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 2024-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I am experiencing financial hardship. As a result, I am past due on my auto loan with Bridgecrest. 

I have spoken to multiple representatives to request assistance and advise of my situation, but have been told there is no assistance available. I have advised the company that I am going to attempt to pay $ XXXX/mo to keep the loan at the current delinquency level for the foreseeable future, until I am able to catch up. 

Despite this, Bridgecrest has continued to call me, email me, and text me, with total communication being 10+ times per week. I last spoke with a Bridgecrest representative on XX/XX/year>. Not only has Bridgecrest continued to contact me excessively, but they called me on XX/XX/year>, after I had already spoken with a representative the day prior. 

To be clear, I am not requesting a do not call or cease and desist. Rather, I believe that Bridgecrest is violating the FDCPA and PA state collection laws by excessively contacting me after I have communicated my financial situation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing to formally address an urgent issue regarding an account reported by your institution that is erroneously listed as delinquent on my credit report. I have attempted to resolve this matter by contacting the Citi Bank multiple times through both email and letter, but I have not received any satisfactory resolution. 

I have no knowledge of ever applying for or holding a credit card with your bank. Moreover, I have been a victim of identity theft, which I have informed your institution about. I recently spoke with a representative from your bank who confirmed that there is no account under my name within your records. 

Given this, I request that your bank immediately contact the credit bureau to have this inaccurate information removed from my credit report. This incorrect entry is not only affecting my credit score but is also jeopardizing a potential future job for which I am currently undergoing a background check.

The furnishing of this inaccurate information is severely impacting my financial and professional life. I urge you to rectify this mistake promptly by ensuring that the credit bureau deletes this erroneous account from my credit report immediately. 

Please treat this matter with the utmost urgency and provide written confirmation once the necessary corrections have been made. 

Thank you for your prompt attention to this critical issue. 

Sincerely, 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 2024-07-03 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: WI

Complaint narrative:
In accordance with the fair credit reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681. 

I told Experian, XXXX, an XXXX to reinvestigate these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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