vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 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: Bridgecrest Acceptance Corporation
State: AR

Complaint narrative:
According to the IRS and unpaid charge off is income and according to the FRCA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of debt ) from the following charge-off accounts listed below. BRIDGECREST Account number XXXX Social Security Number XXXX, D.O.B. XX/XX/XXXX after checking my most current report the updated information stated the account was purchased by portfolio recovery associates this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form.

Arkansas Fair Debt Collection Statute A.C.A. 17-24-101 states a debt collector has 5 years for written contracts the last date of activity or Last Payment Date XX/XX/XXXX. 

Creditor keeps reporting information that is incorrect as the law states it must be deleted. Account don't list any information which is accurate. Account don't even show that account has been disputed by me within 4 days. 


Account info Account name BRIDGECREST Account number XXXX Original creditor - Company sold - Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Repossession. {$19000.00} written off. {$8900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8900.00} Balance updated XX/XX/XXXX Original balance {$20000.00} Monthly payment - Last Payment Date XX/XX/XXXX Past due amount {$8900.00} Terms 72 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 R Repossession 30 Past due 30 days 60 Past due 60 days - Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone number ( 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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Sorry, we can't show you today 's 3-bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

Suddenly happen, bad bug after a dispute a year ago, was told by Equifax will be fixed in few days, been calling every week for almost a year, nothing ever get fix, they never transfer it to someone to fix it, still no Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX Account number XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.

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 2024-06-15 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:
On XX/XX/XXXX having fair to good credit scores I went to purchase a vehicle to begin an extra income for my family only to be denied due to an incorrect credit report. On Account XXXX XXXX XXXX XXXX was closed in XXXX had reopened account and claimed that a payment was made XX/XX/XXXX and was not a payment made was the balance of XX/XX/XXXX that was added due to gap insurance. While reporting it a payment had restarted the the account by the false payment but made my report look like the repossession happened less then three months prior. Embarrassed I would have never applied for credit if I known my report showed a false claim. Now I have multiple hard inquiries on my report under false claims.

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 2024-06-15 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: TX

Complaint narrative:
On XX/XX/XXXX having fair to good credit scores I went to purchase a vehicle to begin an extra income for my family only to be denied due to an incorrect credit report. On Account XXXX XXXX XXXX XXXX was closed in XXXX had reopened account and claimed that a payment was made XX/XX/XXXX and was not a payment made was the balance of XX/XX/XXXX that was added due to gap insurance. While reporting it a payment had restarted the the account by the false payment but made my report look like the repossession happened less then three months prior. Embarrassed I would have never applied for credit if I known my report showed a false claim. Now I have multiple hard inquiries on my report under false claims.

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 2024-06-15 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:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments

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 2024-06-15 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: I.C. System, Inc.
State: NY

Complaint narrative:
I had looked on to my XXXX XXXX sometime late XXXX. I noticed I had XXXX account on my collections. I contacted the number that showed up in the collections which I kept getting transferred to a third party called IC system which they demand I provide my information to them to so they can verify. At first I wasnt sure if it was an XXXX cable account that was linked to my home address. I provided my SSN, D.O.B MY home address and debit card number which I later found out they tried to set up a payment plan to get the unknown debt collected. When I called twice they verified that it was actually a Mobile phone which I expressed to them I am not aware of that account. It was a lot of going back and forth with XXXX XXXX debt collector as they do not care who this account belong to even if it is Identify theft.

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 2024-06-15 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:
I have several problems whit this companys They are reporting late payments on my credit. 

XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX : Account number : XXXX No recongnise this inquires XXXXXXXX XXXX XXXXInquiry : XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have several problems whit this companys They are reporting late payments on my credit. 

XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX XXXX Account number : XXXX No recongnise this inquires XXXXXXXX XXXX XXXXInquiry : XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXXXXXX 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 2024-06-15 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: OH

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXI Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/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 2024-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
I went to withdraw money from my Cash app account on XX/XX/XXXX. I press a number incorrectly for the wrong amount and Cash app completely locked me out saying my account is suspended and to call to have reactivated. I have called multiple times and no one seems to be able to help. They over talk you and keep saying that I received an email which I never did. A real bank dont even make you go through the hassle of unlocking my card or account. I am accumulating lates my payment are getting rejected. They are putting a big problem on me at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : Account Name : XXXX XXXX Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can & XXXX XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: TX

Complaint narrative:
CONSUMER XXXX XXXX XXXX, CAPITAL XXXX VIA DEALER XXXX, AN XXXX XXXX XXXX XXXX, PFS XXXX XXXX XXXX, CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PROFESSIONAL FINANCE XXXX, XXXX XXXX XXXX XXXX XXXX, WORLD ACCEPTANCE- 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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
If you look at my previous complaints. I've always stated that my credit will drop 30+ points for no reason once I get about 800 score. Now I have proof! Casual usage and excellent payment history will drop my score XXXX points which is inconceivable. 

My credit score DROPPED XXXX POINTS because my usage went from XXXX to XXXX. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
If you look at my previous complaints. I've always stated that my credit will drop 30+ points for no reason once I get about 800 score. Now I have proof! Casual usage and excellent payment history will drop my score XXXX points which is inconceivable. 

My credit score DROPPED XXXX POINTS because my usage went from XXXX to XXXX. 

Respectfully,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
In XXXX of XXXX ( last month ), XXXX reported an incorrect late payment and or missed payment on an account that was closed and paid in full. In other words they reported a false late payment on an account that had no balance and with a closed status. 
The account was from First Progress Credit cards. The last activity that was reported by First progress was in XX/XX/XXXX. There should be no other activity on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : Account Name : XXXX XXXX Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can & XXXX XXXX  ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-06-15 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: LEXISNEXIS
State: GA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I received an email for XXXX XXXXXXXX, they said I wasn't in compliance for my address. I'm homeless and this is a source of income for me. I gave them my XXXX XXXX XXXX as well the coordinates where I currently stay, to be asked to provide them with an address I didn't live at or belong to which to me is telling me to commit fraud. I've called in and requested a supervisor since the agent didn't help me, the agent then proceeded to hang up on me, called again for a total of XXXX time to be hung up on when asking for a supervisor, they tell me to reply to the email. I have replied over XXXX times to and have not received any communication from their compliance office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: GA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
comenity bank it stating I owe them money. I Do not owe, tried disputing amount last shown as I have a receipt for a return with tracking number. Merchant received the return over XXXX  months ago and never refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
On XXXX  XX/XX/year> i put down a deposit of {$500.00} for a new XXXX XXXX car at XXXX XXXX XXXX XXXX NY. The sales person XXXX XXXX told me the vehicle would be in next week. Then he tells me XXXX week of XXXX and then end of month. I told me I can not wait. On XXXX  XX/XX/XXXX, told me there is a similar car he could get and I would have to go through XXXX % financig. I asked him multiple times that day if there were any fees attached. He said no. After waiting XXXX hours I see the financing person XXXX and he tells me there is a loan origination fee if {$1800.00}. I was surprised. Since I needed the car I felt I had no choice but to accept this. Pleas help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear Macys/CBNA : I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/year> I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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