vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : Bridgecrest Account number XXXX, numThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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:
Recently I shopped for a vehicle ( XX/XX/year> ) and I was notified that my credit score dropped XXXX points for having 16 hard inquiries in 24 months. 

When I called Transunion customer service they advised me this XXXX point drop was usually consistent with missing several payments. I do not have missed payments on my credit report. 
They advised me to appeal the credit score drop- stating they would do it for me over the phone. It was never done. 

The score drop caused me to be denied for another service I applied for shortly after. 
Transunion 's score drop was excessive. thisi s not the first time they have done this and thier " algorithm '' is ineffective and flawed.

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 2024-10-29 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: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: NC

Complaint narrative:
I am filing a complaint regarding a debt collection agency, credit management company, which contacted me on XX/XX/XXXX and XX/XX/XXXX. During the call, I requested an itemized validation letter to verify the debt details before discussing any payment options. The representative repeatedly pressured me to discuss payment methods and became increasingly aggressive when I insisted on validation. Despite my lawful right to request validation under the FDCPA, they questioned my willingness to pay and created a hostile environment. 

I have an audio recording of the call, where you can hear my repeated requests for validation and the representatives insistence on payment instead. I am seeking assistance to ensure that this agency complies with federal and state debt collection laws and respects consumer rights. The representative said that its been XXXX  months for me to review the debt but I do not have any validation of the debt. As I continued to ask for the letter, while I was speaking on my rights he asked " how would you like to make the payment ''. This interaction made it seem like I am trying to avoid payment, I am not, I know my rights and I need to see what exactly I am paying. 

The agency claims this is on my credit report which it is not. Which raises strong concerns about the accuracy of the debt and their company. 

I also understand that I have the right to request validation of any debt before it is reported. 

I am attaching the email that was sent to me as a spam warning and the letter I got after many request for validation. 
The letter states the balance, creditor, and original creditors details, but it lacks documentation proving that the debt is valid and belongs to you. Under the FDCPA, you have the right to request a full validation letter, which includes more detailed information such as the original contract or itemized statements. A legitimate debt collector should be able to provide more supporting details if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ; Installment loan opened on XX/XX/XXXX at XXXX XXXX XXXX XXXX ( Account number XXXX ), Installment loan opened XX/XX/XXXX at XXXX XXXX ( Account number XXXX ), Installment loan opened XX/XX/XXXX at XXXX XXXX ( Account number XXXX ) Line of credit opened XX/XX/XXXX at XXXX XXXXXXXX XXXX ( Account number XXXX ) Mortgage loan opened XX/XX/XXXX at XXXX XXXX XXXX XXXX ( Account number XXXX ) Revolving account opened on XX/XX/XXXX at XXXXXXXX XXXX  ( Account number XXXX ), Revolving account opened on XX/XX/XXXX at XXXX ( Account number XXXX ) Revolving account opened XX/XX/XXXX at XXXX ( Account number XXXX XXXX XXXX account opened XX/XX/XXXX at XXXX XXXX XXXX ( Account number XXXX ) Please remove all inquiries as I have not applied for any credit within the last 2 years. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-29 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: DISCOVER BANK
State: KY

Complaint narrative:
Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, DISCOVER BANK number : XXXX date XX/XX/year> XX/XX/year> XXXXFurthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I have an apple credit card and it is very difficult to dispute a charge, the options are generally blocked, when you do get some support and figure out how it works it a very long process and they hardly give you any update on what they are doing.

Apple designs the whole app so intuitive yet disputing it takes hours and you have to get a chat customer service rep, i feel like the difficulty of doing this is by DESIGN, they do not want us to dispute charges. You can't even log into your account online and do there, there is just one way and it can be enabled or disabled by apple! that is absolutely bonkers! 
I am not sure if CFPB is able to go against giants like apple but i am shooting in the XXXX  here, hope you can help?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
A notice was put on my door and I contacted both XXXXXXXX XXXX XXXXXXXX and BOA to try and resolve the issue. BOA referred me back to XXXX XXXX  XXXX several times. I requested documentation from XXXX XXXX XXXX including but not limited to information on the original debt, any terms and conditions I agreed to with BOA, and a payment plan. 

The payment plan was provided several weeks after the initial conversation and was dated 1 week after the initial conversation but was not delivered until 4 weeks later. When I reached out to the via email, they ignored it several times. I then sent them a more demanding email letting them know I would file a complaint against them for bad debt collection practice and once again requesting the terms of service and this time insisting that I have an arbitration clause. XXXX XXXX XXXX has once again ignored my request for documentation. I have an active court date approaching and I am of the belief that they do not have the right to sue me for this. 

By ignoring my requests for documentation, they are forcing me to appear in court to get a default judgement against 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 explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
I have reported this problem to you guys before in XXXX Claim number XXXX. The results we that military orders werent presented and that it shouldve been removed from the equifax report as it was already removed from XXXX and XXXX reports XXXX XXXX XXXX is still reporting as of XXXX XXXX to equifax that have an open balance of XXXX on an account closed in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion hides my credit report from me. It does not allow me to login to their Service Center. It also does not provide me with my own credit report when it is requested via www.annualcreditreport.com. When requested from www.annualcreditreport.com TransUnion site shows generic message about " problem on our end ''.

I demand ability to access my own credit report online, without sending mails or calling their useless customer support.

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 2024-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
I received a call today from Aldous & Associates in California attempting to collect a debt from XXXX XXXX. The intern or representative was monotone and sounded extremely fed-up which is understandable given the job. Debt collection is tough. But there were multiple issues that need to be addressed. I do not know his name, but Aldous & Associates should have no trouble identifying him as all calls are recorded for quality and training purposes. 

The first was that in introducing the debt, the representative stated that they would be reporting to my credit if the debt is unresolved. This is a no-no. 

The representative went on to state that I owed XXXX XXXX an amount of approximately {$100.00}. Then stated there was a second account of over {$600.00} or {$700.00} at which point I laughed and declined to pay because I did not recognize the account. Unfortunately before I was able to ask any questions whatsoever, the representative hung up without giving any information. Thats a second no-no. 

I of course called the Aldous & Associates office and was connected to the same representative. I stated that our call had been disconnected and that I wasnt finished. The associate acted as if the conversation had been days ago, saying oh I remember very obviously humoring me intentionally. I explained my concern about the second debt and that Ive been unemployed since XXXX ( corporate layoffs ) and was unable to pay XXXX for the balance owed. The representative then stated that the balance was for XXXX XXXX which I havent been a member of for years. This is the first Im hearing of a debt to XXXX. I asked when the debt was reported and the associate rattled off that he would be sending an email to the account on file and that I needed to reply with my address. He then hung up again. He did not verify my identity at any point during the call, and did not verify any of my contact information. Yikes! 

At this point, I would advise anyone having to deal with Aldous & Associates to back away. Run, motor, crawl if you can. They are unethical and prone to illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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:
XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block/delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a personal accounts which are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several Fraudulent accounts appearing on my consumer credit report. I've attached a list of of accounts in question a well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my Equifax consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief