vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-26 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: NC

Complaint narrative:
I initially open the cfpb complaint number XXXX because I had issues with Equifax providing accurate information and verification of the accounts I am disputing. A simple " item verified '' is not in accordance with the FCRA. I AM REQUESTING METHOD OF VERIFICATION FOR THE FOLLOWING ACCOUNTS OR EQUIFAX TO REMOVE THEM IF THIS INFORMATION CAN NOT BE DISCLOSED. 

***XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
**** XXXX XXXX, IN EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, ADDITIONAL INFORMATION, ACCOUNT HISTORY ***** Trade : XXXX XXXX XXXXXXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : XXXX XXXXXXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 

**** Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION NON REPORTING DISPUTES ***** the method of verification was not listed only the items were verified is not a proper response. 
While I understand that you've mentioned the items were verified in line with the FCRA, I kindly request further clarification regarding the specific details of the verification process that was undertaken. This information would greatly assist me in understanding the basis for the verification and in ensuring the accuracy of the information on my credit report. 

To uphold the principles of transparency and accuracy, it would be very helpful if you could provide the following information : 1. The method ( s ) used for the verification of the disputed items.

2. Documentation or evidence that was used to support the verification process.

3. The dates and names of the individuals involved in the verification. 

Additionally, I wish to emphasize that my main concern is to ensure that the information reported on my credit file is accurate and verifiable, as required by the FCRA. I believe that having access to the specific details of the verification process will enable me to make informed decisions and address any potential discrepancies. 

I appreciate your understanding of my situation and your commitment to resolving this matter fairly and accurately. Please feel free to contact me at XXXX or XXXX if you require any further information or if you are able to provide the requested details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 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: NY

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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Letter to Remove Inaccurate and Unverifiable Consumer Information To Whom It May Concern : I received a copy of my consumer report and found the following transactions to be in error. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Erroneous account direct violation of 16 CF 444.4 Late ChargeXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Erroneous Account Direct Violation of 16 CFR 313.6 - Information to be included in privacy notices. 
XXXX XXXX Account Number : XXXX Please remove account from my credit report. 
4. Erroneous Account Direct Violation of 16 CFR 313.9 - Delivering privacy and opt out notices. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Dates last active are inconsistent and inaccurate across CRAs XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Date of Birth : XX/XX/XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX 9. The following personal information is incorrect Employers : XXXX XXXX 10. Credit Reporting Agencies are in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S. Code Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my consumer report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 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: NV

Complaint narrative:
I am writing to complain about XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ), the Nevada Credit Reporting Act ( NCRA ), and 15 U.S.C. 1681c ( a ) and 1681g ( a ). I have attached my credit report with the information highlighted. 

I have an account with XXXX XXXX that is showing inaccurate information on my credit report. The inaccurate information includes : Account number, High balance, Last verified, Date of last activity, Date reported, Date opened, Payment status, Last payment, Payment history, Days late XXXX XXXX is violating the FCRA by reporting inaccurate information about my account. The FCRA requires creditors to report accurate and timely information to the credit bureaus. XXXX XXXX is also violating the Nevada Credit Reporting Act ( NCRA ), which mirrors the FCRA and provides additional protections for consumers in Nevada. 

As a result of XXXX XXXX 's actions, I have suffered the following damages : I have been denied credit. 
I have had to pay higher interest rates on loans. 
I have had difficulty renting an apartment. 
I have had difficulty getting a job. 
I have already taken the following steps to resolve the issue : I have contacted XXXX XXXX and requested that they correct the inaccurate information. 
I am demanding that XXXX XXXX immediately cease reporting inaccurate information to the credit bureaus. I am also demanding that XXXX XXXX remove all negative information from my credit report. 

I have attached my most recent credit report and the areas of violations are highlighted. 

I am specifically demanding that XXXX XXXX : Cease reporting the inaccurate information to the credit bureaus. 
Remove all negative information from my credit report. 

I am requesting that the CFPB take the following actions : Investigate XXXX XXXX 's actions. 
Take appropriate action against XXXX XXXX, including requiring them to remove it from 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 non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Company in violations of consumer protection laws : Including fraudulent finance charges which were sold to Bridgcare Acceptance  from XXXX Truth in Lending Act ( TILA ) : This federal law requires creditors to make certain written disclosures concerning finance charges and related aspects of credit transactions and comply with other mandates 2.Fair Credit Reporting Act ( FCRA ) : This federal law regulates the collection, dissemination, and use of consumer credit information 3.Fair Debt Collection Practices Act ( FDCPA ) : This federal law prohibits debt collectors from using abusive, unfair, or deceptive practices when collecting debts 4.Consumer Financial Protection Act ( CFPA ) : This federal law prohibits unfair, deceptive, or abusive acts or practices by financial institutions.

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 2023-08-26 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: CA

Complaint narrative:
I have ask transunion to verify a debt that reporting on my credit report from the company known as XXXX XXXX XXXX account # XXXX I have ask the company to provide me with original purchase agreement with my wet signature and all documents and sign notary stating that they legally can collect a debt from me, and arbitration clause that we both sign this is a violation of my consumer rights of having my private information without my consent multiple violations fcra and fdcpa15 usc1692 usc 15 1681b under fdcpa 807 fdcpa 8012

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 2023-08-26 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: NV

Complaint narrative:
I am writing to complain about XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and Nevada Credit Reporting Act ( NCRA ) by reporting inaccurate information about my credit report. I have attached my credit report with the information highlighted, as well as a copy of the letter I received from XXXX XXXX. 

The inaccurate information that XXXX XXXX is reporting includes : The last verified date, date of last activity, date reported, date opened, creditor remarks, last payment, term length, and payment history. 
The attached letter directly from XXXX XXXX to the XXXX and myself also contains discrepancies. XXXX XXXX stated in the letter that " According to XXXX records, on XX/XX/2022, XXXX XXXX and XXXX XXXX entered into the enclosed loan agreement. '' However, the attached loan agreement is dated XX/XX/2022. 
Also, on my credit report, TransUnion reports that the account was opened on XX/XX/2022, but XXXX and XXXX report that the account was opened on XX/XX/2022. How could the account be opened before I signed the contact? 
XXXX XXXX also stated in their letter that " XXXX has confirmed that the XXXX account information sent to the credit reporting agencies reflects XXXX XXXX XXXX account. '' If thats the case, that means the creditors are reporting inaccurately. 
XXXX XXXX 's inaccurate reporting of my credit information is a violation of the FCRA, which requires creditors to report accurate and timely information to the credit bureaus. 

XXXX XXXX 's inaccurate reporting is also a violation of the NCRA, which mirrors the FCRA and provides additional protections for consumers in Nevada. 

As a result of XXXX XXXX 's inaccurate reporting, I have suffered the following damages : I have been denied credit. 
I have had to pay higher interest rates on loans. 
I have had difficulty renting an apartment. 
I have had difficulty getting a job. 
I have already taken the following steps to resolve the issue : I have contacted XXXX XXXX and requested that they correct the inaccurate information. 

XXXX XXXX has denied my request to correct the inaccurate information. 

I am demanding that XXXX XXXX immediately cease reporting inaccurate information to the credit bureaus. I am also demanding that XXXX XXXX remove all negative information from my credit report ASAP.

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 2023-08-26 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: NV

Complaint narrative:
I am writing to complain about XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and Nevada Credit Reporting Act ( NCRA ) by reporting inaccurate information about my credit report. I have attached my credit report with the information highlighted, as well as a copy of the letter I received from XXXX XXXX. 

The inaccurate information that XXXX XXXX is reporting includes : The last verified date, date of last activity, date reported, date opened, creditor remarks, last payment, term length, and payment history. 
The attached letter directly from XXXX XXXX to the XXXX and myself also contains discrepancies. XXXX XXXX stated in the letter that " According to OneMain records, on XX/XX/2022, XXXX XXXX and XXXX XXXX entered into the enclosed loan agreement. '' However, the attached loan agreement is dated XX/XX/2022. 
Also, on my credit report, XXXX reports that the account was opened on XX/XX/2022, but Experian and XXXX report that the account was opened on XX/XX/2022. How could the account be opened before I signed the contact? 
XXXX XXXX also stated in their letter that " XXXX has confirmed that the XXXX account information sent to the credit reporting agencies reflects XXXX XXXX XXXX account. '' If thats the case, that means the creditors are reporting inaccurately. 
XXXX XXXX 's inaccurate reporting of my credit information is a violation of the FCRA, which requires creditors to report accurate and timely information to the credit bureaus. 

XXXX XXXX 's inaccurate reporting is also a violation of the NCRA, which mirrors the FCRA and provides additional protections for consumers in Nevada. 

As a result of XXXX XXXX 's inaccurate reporting, I have suffered the following damages : I have been denied credit. 
I have had to pay higher interest rates on loans. 
I have had difficulty renting an apartment. 
I have had difficulty getting a job. 
I have already taken the following steps to resolve the issue : I have contacted XXXX XXXX and requested that they correct the inaccurate information. 

XXXX XXXX has denied my request to correct the inaccurate information. 

I am demanding that XXXX XXXX immediately cease reporting inaccurate information to the credit bureaus. I am also demanding that XXXX XXXX remove all negative information from my credit report ASAP.

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 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NJ

Complaint narrative:
There are several different issues inregards to my account for the past several months my deposits and purchases do not appear to be accurate as well as as the beginning balances for a instance if on XX/XX/XXXX my ending balance is XXXX and a total of XXXX has been direct deposited. I would think my account total should be the ending balance plus my XXXX I deposits would be my total. Tgey are just showing my deposit for that month then minusing the total amount in my purchases and again this has been going on for quite some time and when contacting them I just get they can not see any discrepancy and that I can't go off of my statements. I asked the lady numerous times why wouldn't I go off there statements and she said she needed me to speak to a different department in total at least the past XXXX of statements thate that I ave gone through is showing multiple things another instant if XXXX. Was deposited into my account and I spent XXXX my balance should be XXXX not negative XXXX dollars I really feel that they are just putting me off to because they just keep telling me that the gave reviewed my account and that it was right when I ask for a more detail statement tgey state the statement I have is all they have so again I ask them why is it then for my balances should I not go off the statements provided by them. again another story another run around please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: NY

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-08-26 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: NY

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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