vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Under Section 1635 ( f ), if a lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures, an extended right of rescission is provided that expires three years after the transaction consummation date or upon the sale of the property, whichever occurs first.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
My identity had been stolen many times, and I had to replace my first name with a new name, but it was not enough to keep my info safe. Still, I have an Open free account with XXXX XXXX XXXX, and I always receive XXXX XXXX Alerts and other Alerts from them, the last alert was about my Credit Card. My credit report shows that I have 5 inquiries that I have not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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 2024-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
My current employer ( XXXX XXXX XXXX ) submitted my direct deposit on Friday morning, XX/XX/XXXX. While speaking to a Chime customer service representative, they stated that if the check was deposited before XXXX Friday ( XX/XX/XXXX ), I should then receive it by the end of the day Saturday ( XX/XX/XXXX ). It is currently Sunday, ( XX/XX/XXXX ) and I have yet to receive my direct deposit. Chime ( XXXX XXXX XXXX XXXX ) posted publicly yesterday on XXXX that they were having issues with a third party company that processes payments, and then stated that Chime had received the data from the third-party for deposits from Friday and were processing them. But here we are Sunday still with no deposits and no clear answer on when the deposits from Friday will be deposited. I reached out to customer service on numerous occasions since the tweet, and they either refuse to acknowledge that they are having an issue, or claim that my employer has yet to deposit the money into my account ( which is a lie because every co-worker at my job that does not bank with Chime already received their direct deposit Saturday morning. At one point, one of Chime 's reps stated that my employer might of deposited my check last or late, which makes no sense whatsoever since the state of NJ issues our checks. Once I provided a screenshot of the tweet, they then admitted to having issues with a third party processing company. Not only are they lying to their customers, they are also withholding our money without a clear and proper response. I have no clue if and when I'll receive my direct deposit, and because of this I am now experiencing late fee 's on most of my bills ( since most of my bills fall during the beginning of the month ). I live paycheck to paycheck and this is making a huge negative impact each day I go without money in my account.This is completely unacceptable and I feel I should be compensated for the lack of effort by Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In going over my credit reports with the three credit bureaus I noticed that all three has my last name of XXXX. I have never had that last name nor do I know anyone with the last name of XXXX. This needs to be removed please. 

Second problem is I have been disputing XXXX XXXX with all three bureaus for XXXX XXXX. My accounts XXXX business and XXXX personal were closed by an in house mistak at XXXX XXXX that has never been repaired properly I do have an attorney and a suit will be filed if they cant get it right this time around. Those are not my XXXX  XXXX credit card numbers. I have never been sent them, activated them or used them. Yet they remain attached to my name. My three cards were paid off before the accounts were closed. In one of my disputes for XXXX XXXX removed it off of my credit report Now its back on under a collection agency 's name I would like to exercise my XXXX rule and ask that if these accounts cant not be verified as mine that they be removed altogether for all negative credit reporting. I do not own these accounts I have never signed for any of the them. I have signed for my XXXX which were closed. 

As my credit is being cleaned up you can see that XXXX found out that I paid long ago and they removed the account but my credit used to be great and then the second XXXX XXXX closed all three my credit report an XXXX went to XXXX overnight. This is not fair I need my credit cleaned because I have done nothing to deserve what XXXX XXXX is doing. 

There would be times when I had extra that I would make XXXX payments in one day to my XXXX  XXXX cards or the next day I would pay again and they had already closed my XXXX accounts in XX/XX/year>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 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: First Technology Federal Credit Union
State: NC

Complaint narrative:
I applied for a online checking account with First Tech Credit Union. 
After several weeks they asked for copies of my valid government id card, being a N.C. driver 's license, and SSA card.

I included my valid U.S. passport, as well. 
Then, I received an email that my application was declined, and to contact XXXX. 
I have an XXXX account, and this is a sham, as XXXX has all of my records that match what was sent to First Tech. 
XXXX has nothing to do with this. 
They did the same thing to my wife.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: VA

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. 
US DEPT OF EDXXXX # XXXX has violated my rights. THis account has been paid however on XXXX they are reflecting negative i demand that the full completeness of these accounts be updated there are XXXX student loans with same account number they are reflecting paid on time on each other credit agency 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Chapters

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to inform you that my documents were stolen, and fraudulent accounts, ( associated with Resurgent ID XXXX ) were opened in my name. I have filed a police report detailing this situation. Please find the attached report for your reference. 

Given the circumstances, I request that you remove the fraudulent accounts from my credit report immediately. Failure to do so will compel me to pursue legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: TN

Complaint narrative:
I received my credit report on XX/XX/XXXX and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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:
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 name : # XXXX, XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-11 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. 

XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: 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. 

XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
My identity had been stolen many times, and I had to replace my first name with a new name, but it was not enough to keep my info safe. Still, I have an Open free account with XXXX XXXX XXXX, and I always receive XXXX XXXX Alerts and other Alerts from them, the last alert was about my Credit Card. My credit report shows that I have 5 inquiries that I have not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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 2024-08-11 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: CA

Complaint narrative:
My identity had been stolen many times, and I had to replace my first name with a new name, but it was not enough to keep my info safe. Still, I have an Open free account with XXXX XXXX XXXX, and I always receive XXXX XXXX Alerts and other Alerts from them, the last alert was about my Credit Card. My credit report shows that I have 5 inquiries that I have not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: CL Holdings LLC
State: FL

Complaint narrative:
Addressing an ongoing concerning issue regarding a collection account that persists on my credit report despite previous assurances and agreements for its removal from Jefferson Capital System LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
FYI I sent 2 of this letter to this company and never has a response fro them To : MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX Re Acct # XXXX This letter is my second letter regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " VALIDATION that is competent evidence bearing my signature and or any type of ID showing that I have ( or ever had ) some contractual obligation to pay you. I am also requesting any type of document that proves your company has the authority to collect debts in my state. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] if you can not validate the debt, you must request that all credit reporting agencies delete the entry ASAP. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$10000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq, this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I received a letter that appears to be a bill for a scam company and a debt I never owed. I have never done business with this company and they are requesting over $ XXXX. 

The letter or fraud bill states {$1500.00} is due on behalf of a company called XXXX XXXX. They referred to an account number of XXXX, and an additional company I.C. System reference number XXXX. The website listed as www.icsystem.com/consumer ... address XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Phone 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 2024-08-11 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: CA

Complaint narrative:
sold to and bought by a third party ( collection agency ) and i have no liability to a third party because i do not have a signed contract with XXXX XXXX. please provide me with the direct contract in which it is that they have with XXXX XXXX that they are authorized to collect for them, and not just a company that bought a debt. Because this debt was sold to a third party agency that means the account was a charge off therefore it will be considered income and income can not be reported on my credit report because it is now a Certificate of Indebtedness.

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 2024-08-11 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: VA

Complaint narrative:
CFPB, EXPERIAN HAS VIOLATED The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. I will be uploading documents the red circle 's are where they deleted the account from my credit report. Then the Green check shows they reinserted the information back on my credit 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 explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX is suing and attempting to collect on a debt they are not even associated with. They refuse to provide a Debt Validation Letter and keep telling me to pay them, or they will come after my VA benefits. Those benefits are protected. Its very simple : provide a Debt Validation Letter, and we can go from there. XXXX XXXX is neither the original creditor nor the creditor associated with my account. They are looking at a debt that is either paid off or settled

Company response to consumer: Closed with explanation