vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 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: NV

Complaint narrative:
After reviewing my consumer report, I found entries that do not reflect my own activities and have caused me significant distress. I am seeking your assistance to resolve these issues promptly and accurately. 
I have previously filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and I have enclosed a copy of that complaint along with proof of my identity and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: NV

Complaint narrative:
After reviewing my consumer report, I found entries that do not reflect my own activities and have caused me significant distress. I am seeking your assistance to resolve these issues promptly and accurately. 
I have previously filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and I have enclosed a copy of that complaint along with proof of my identity and address.

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 2024-08-10 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: MD

Complaint narrative:
" XXXX, XXXX, and Experian are consistently enabling collection agencies to fraudulently place claims against me without any prior contractual agreement or commitment. ''

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 2024-08-10 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
BRIDGECREST IS WILLFULLY NON-COMPLIANT AND IN VIOLATION WITH FEDERAL LAWS CONCERNING THE FAIR CREDIT REPORTING ACT CREATING DEFAMATION, NEGLIGENCE, AND INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS. 15 U.S. Code 1666B : The law clearly states that a creditor may not treat any payment on an account under an open-end consumer credit plan as LATE for any purpose, unless they send the information in section 1637B.

THE INFORMATION IN SECTION 1637B MUST BE MAILED 21 DAYS BEFORE THE PAYMENT DUE DATE.

I HAVE REQUESTED PROOF THAT THE INFORMATION LISTED IN SECTION 1637B WAS MAILED 21 DAYS BEFORE THE DUE DATE.

Bridgecrest has refused to abide by these federal laws. This is willful failure to comply with the law and this makes Bridgecrest criminally liable for actual, statutory, and punitive damages due to my rights being violated under FCRA.

15 U.S. Code 6802- Obligations with respect to disclosures of personal information.

Transactions are payment histories. This law protects my rights from any non-affiliated 3rd party company. Bridgecrest is willfully and illegally sharing my nonpublic and personal information with XXXX, XXXX, and XXXX which are all non-affiliated 3rd party companies. Nonpublic information means personal identifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: AL

Complaint narrative:
I WAS NEVER LATE ON PAYING THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX. UPDATE THIS INFORMATION ON MY 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 2024-08-10 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I HAVE REACHED OUT TO THIS COMPANY ADVISING THEM THIS IS NOT MY ACCOUNT SOMEONE IS USING MY IDENTITY AND TO REMOVE FROM MY ACCOUNT. THE COMPANY HAS YET TO SENT ME ORIGINAL CONTRACTS WITH MY SIGNATURE ON IT AND OTHER SUPPORTING DOCUMENTS THIS IS HURTING MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Robinhood restricted my account for no reason and will not let me withdraw my money. I verified my account with selfie and identification. Then they made me do it again and asked for bank statement. I provided all of this. They have no way to call them and they are doing this to many people. I need help getting my money back please. They are using the excuse that I need to have a bank statement for my debit card in addition to my checking account. There is no such thing at my bank, which is XXXX XXXX The bank card is attached to the checking account and that is the only statement I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: GA

Complaint narrative:
I am writing to formally dispute the unauthorized access and use of my bankruptcy information that was obtained without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a ( 2 ). 

I recently discovered that my bankruptcy information was accessed and reported by [ Name of the Entity or Source ], which, to my knowledge, does not have a permissible purpose for accessing this sensitive information. This action is in violation of the FCRA. 

Under 15 USC 1681b, a person or entity must have a permissible purpose to obtain my credit report or related information. As this entity does not meet the requirements for a permissible purpose, I request that you take the following actions : Investigate the unauthorized access and use of my bankruptcy information. 
Remove the bankruptcy information reported by the unauthorized entity from my credit report. 
Provide me with written confirmation of the actions taken and a copy of my updated credit report once the investigation is complete.

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 2024-08-10 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:
I am writing to formally dispute the unauthorized access and use of my bankruptcy information that was obtained without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a ( 2 ). 

I recently discovered that my bankruptcy information was accessed and reported by [ Name of the Entity or Source ], which, to my knowledge, does not have a permissible purpose for accessing this sensitive information. This action is in violation of the FCRA. 

Under 15 USC 1681b, a person or entity must have a permissible purpose to obtain my credit report or related information. As this entity does not meet the requirements for a permissible purpose, I request that you take the following actions : Investigate the unauthorized access and use of my bankruptcy information. 
Remove the bankruptcy information reported by the unauthorized entity from my credit report. 
Provide me with written confirmation of the actions taken and a copy of my updated credit report once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: TX

Complaint narrative:
There has been continuous errors on the report which include : 1. The creditor is listed as the company rather than Me 2. The account is showing late or abandoned ( interest ) income which is NOT CREDIT 2. The account is not listed as paid in full even though full value has been received

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
There has been continuous errors on the report which include : 1. The creditor is listed as the company rather than Me 2. The account is showing late or abandoned ( interest ) income which is NOT CREDIT 2. The account is not listed as paid in full even though full value has been received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There has been continuous errors on the report which include : 1. The creditor is listed as the company rather than Me 2. The account is showing late or abandoned ( interest ) income which is NOT CREDIT 2. The account is not listed as paid in full even though full value has been received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: MD

Complaint narrative:
" XXXX, TransUnion, and XXXX are consistently enabling collection agencies to fraudulently place claims against me without any prior contractual agreement or commitment. ''

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 2024-08-10 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: MD

Complaint narrative:
" Equifax, XXXX, and XXXX are consistently enabling collection agencies to fraudulently place claims against me without any prior contractual agreement or commitment. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: SC

Complaint narrative:
I recently reviewed my credit profile and discovered several credit card accounts and inquiries that can not be verified. Additionally, some information is not 100 % accurate, including incorrect names, outdated addresses, old phone numbers, and charge-off accounts. These inaccuracies violate the laws designed to protect consumers, which mandate that all reported information must be completely accurate. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), all information on my credit report must be 100 % accurate. The presence of these fraudulent collections and incorrect details in my credit report constitutes a significant violation of this requirement.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my credit profile and discovered several credit card accounts and inquiries that can not be verified. Additionally, some information is not 100 % accurate, including incorrect names, outdated addresses, old phone numbers, and charge-off accounts. These inaccuracies violate the laws designed to protect consumers, which mandate that all reported information must be completely accurate. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), all information on my credit report must be 100 % accurate. The presence of these fraudulent collections and incorrect details in my credit report constitutes a significant violation of this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I HAVE REACHED OUT TO THIS COMPANY ADVISING THEM THIS IS NOT MY ACCOUNT SOMEONE IS USING MY IDENTITY AND TO REMOVE FROM MY ACCOUNT. THE COMPANY HAS YET TO SENT ME ORIGINAL CONTRACTS WITH MY SIGNATURE ON IT AND OTHER SUPPORTING DOCUMENTS THIS IS HURTING MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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:
I am writing to formally dispute the unauthorized access and use of my bankruptcy information that was obtained without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a ( 2 ).

I recently discovered that my bankruptcy information was accessed and reported by [ Name of the Entity or Source ], which, to my knowledge, does not have a permissible purpose for accessing this sensitive information. This action is in violation of the FCRA.

Under 15 USC 1681b, a person or entity must have a permissible purpose to obtain my credit report or related information. As this entity does not meet the requirements for a permissible purpose, I request that you take the following actions : Investigate the unauthorized access and use of my bankruptcy information. 
Remove the bankruptcy information reported by the unauthorized entity from my credit report. 
Provide me with written confirmation of the actions taken and a copy of my updated credit report once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Account Number : XXXX Dear LVNV Funding, LLC, I am writing to formally notify you to cease all collection activities regarding the above-referenced account. I dispute the validity of this debt and demand that you immediately stop all communication with me, as well as any attempts to collect this debt. 

Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ), you are required to honor my request. Failure to do so may result in legal action against your company for violations of the FDCPA. 

I would like to bring to your attention the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX XXXX ). In this case, the court ruled that continued collection efforts after a valid cease and desist request can result in significant penalties, including statutory damages and the payment of attorneys fees. Your company is hereby notified that any further communication with me, outside of the exceptions provided by the FDCPA, will be considered harassment and a violation of my rights. 

Therefore, I demand that you : 1. Cease all communication with me regarding this debt. 
2. Refrain from reporting or continuing to report this debt to any credit reporting agencies. 
3. Ensure that any negative credit reporting related to this debt is promptly removed. 

Please confirm in writing within 30 days of receiving this letter that you have complied with my request. Any future contact from your company, aside from acknowledgment of compliance, will be met with legal action. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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:
I am writing to formally dispute the unauthorized acquisition of my bankruptcy records, which I believe were obtained illegally by LexisNexis.

According to 15 USC 1681a ( 4 ), I have the right to privacy regarding my personal and financial information, including bankruptcy records. I assert that the disclosure of these records to LexisNexis was not authorized by me, nor do I recall providing consent for this access.

Please provide me with the following information to clarify this matter : Details of the Access : Information on how and when LexisNexis obtained my bankruptcy records.

Source of Information : The name of the entity or individual who provided these records to LexisNexis. Verification of Authorization : Documentation proving that I authorized the release of my bankruptcy records to LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
car was paid off threw insurance was stolen and paid in full XXXX XXXX XXXX XX/XX/year> was paid in full insurance XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 2024

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 2024-08-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/XXXX of 2023, I went to the TJ Maxx Marshalls store and I purchased went to the counter to purchase some clothing and they told me my car did not work after looking and calling. They said that my account was closed. I did not receive any notice. No one told me anything I tried asking why they closed my account without any notice and they said that they they told me that the account was closed. My bill was paying on the monthly and then a month or two and then they started charging me saying that I was late on my payment and that I needed to catch up and I said well wait you guys close my account and cause me to be late and now youre charging me late fees so I thought that because of their lateness to notify me and no notice I dont feel that I owe this

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 2024-08-10 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: First Credit Services Inc.
State: FL

Complaint narrative:
THIS IS NOT MY ACCOUNT SOMEONE IS USING MY IDENTITY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: AL

Complaint narrative:
PLEASE SEE ATTACHED FTC ON THIS COMPLAINT AND SUPPORTING DOCUMENT FOR MY CLAIM ON THE ACCOUNT THAT SHOULD BE DELETED ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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, Equifax and XXXX has been reporting improperly which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: IL

Complaint narrative:
XXXX, XXXX and Experian has been reporting improperly which is a violation.

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