vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : details. 
TransUnion 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 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 Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving 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 2024-12-07 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX  XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX 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 2024-12-07 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: AR

Complaint narrative:
the information they are reporting to my profile is false and according the the law 15 use 169c ( c ) all inaccurate information must be removed

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
Subject : Complaint Regarding Unfair and Punitive Practices by Bridgecrest Dear [ Consumer Protection Bureau ], I am writing to file a formal complaint against Bridgecrest, the finance company for XXXX, for engaging in practices that have caused significant and ongoing harm to my credit and financial standing. These actions appear to be punitive, unfair, and potentially in violation of consumer auto loan laws. 

In XX/XX/year>, Bridgecrest charged off my auto loan and repossessed the vehicle. Despite declaring the loan as a charge-off, they have continued to report the payments as late, which has severely defamed my credit profile and caused my credit score to plummet. This reporting has persisted for over three years, effectively destroying my ability to secure new financing. 

The following issues highlight the unfairness of Bridgecrests actions : Improper Reporting of Late Payments Post-Charge-Off : After charging off the loan, Bridgecrest continues to report payments as late, even though the debt was declared a charge-off. This practice is punitive and misleading, as a charge-off typically signifies that the creditor has written off the debt as uncollectible. 
Repossession of the Vehicle : Bridgecrest repossessed the vehicle, further indicating that the debt was no longer active. Despite this, they continue to report late payments, compounding the harm to my credit. 
Corporate Credit Write-Off : Bridgecrest likely obtained a corporate credit write-off for the charged-off loan, yet they continue to penalize me by reporting late payments, creating a scenario of triple jeopardy.

Prolonged Damage to Creditworthiness : For over three years, Bridgecrests actions have unjustly destroyed my credit score, making it nearly impossible for me to obtain new financing or rebuild my financial stability. 
These practices appear to violate principles of fairness and transparency in consumer lending and credit reporting. Additionally, they may conflict with regulations governing the proper handling of charged-off debts, repossessions, and credit reporting.

I respectfully request that the Consumer Protection Bureau investigate Bridgecrests practices and take appropriate action to ensure compliance with consumer protection laws. I also request that Bridgecrest be required to cease reporting late payments on the charged-off loan, correct my credit report, and provide restitution for the financial harm caused by their actions. 

Thank you for your attention to this matter. Please feel free to contact me at [ your contact information ] if additional information or documentation is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XX/XX/XXXXXXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XX/XX/XXXXXXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ).

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly.

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately.

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA.

Please mail your response to my address listed above.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX 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 2024-12-07 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX  XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ).

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly.

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately.

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA.

Please mail your response to my address listed above.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX 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 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I made my Capital One credit card payment on the due date at XXXX - I was assessed a late fee as apparently, unlike other credit card companies, they have an XXXXXXXX XXXX cut-off time that they said is in the fine print on my statement. I requested them to wave this fee as it was apparent that I made the payment ON the due and the XXXX could not do that so I requested a supervisor and he refused as well. They have also incrementally increased my interest over the years even though I have good credit to now a staggering 30 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NORTHWEST BANCSHARES INC
State: IN

Complaint narrative:
Subject : Formal Complaint Against Northwest Bank for Unjustified Refusal of Car Payment To Whom It May Concern, I am writing to formally lodge a complaint against Northwest Bank concerning their refusal to accept a car payment of {$1600.00} for my auto loan account, without providing any formal notice or justification. This action has caused significant inconvenience and potential harm to my credit rating, and I seek immediate intervention to resolve this issue. 

**Details of the Complaint : ** - **Account Information : ** Loan Account Number : [ XXXX ] Vehicle Details : [ XXXX XXXX XXXX XXXX XXXX, XXXX  ] - **Incident Description : ** On XXXX XXXX, I attempted to make a scheduled payment for my auto loan through an external bank transfer, from my XXXX  personal checking account. However, Northwest Bank refused to accept the payment without any prior notice or explanation. This refusal occurred despite my account with XXXX XXXX  being in good standing and having the verified funds. 

- **Consumer Protection Concerns : ** Under federal consumer protection laws, particularly those concerning fair lending and debt collection practices, financial institutions are required to provide borrowers with clear communication regarding their accounts. Northwest Banks failure to accept my payment and their lack of communication constitutes a breach of these obligations and may violate regulations under the Consumer Financial Protection Bureau ( CFPB ). 

**Impact on Consumer : ** - The refusal to accept my payment has caused undue stress and confusion. 
- This incident could potentially impact my credit score and financial standing, as it may be recorded as a missed payment. 
- I have incurred additional costs and time in attempting to resolve this issue directly with the bank, with no satisfactory response. 


Please find attached copies of relevant documents, including correspondence with Northwest Bank and any other supporting materials. 

I trust that the CFPB will address this matter promptly to ensure compliance with federal consumer protection standards. I look forward to your swift response and resolution. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX 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 2024-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I received a collection letter for medical services, I sent a written response the same day, I have confirmed that SAVIT COLLECTION AGENCY XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Received my response. I did not receive a response from the agency. The unverified and contested debit was put on my credit report on XX/XX/year>, with no explanation no response and no explanation. This has destroyed my credit.

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 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was part of a hiring scam with a company called XXXX XXXX in XX/XX/year>. A wire was made from my account in two payments totaling {$5800.00}. This {$5800.00} was moved from Wells Fargo to XXXX  XXXX XXXX XXXX which I was told that it was a sub account of XXXX XXXX whom I was supposed to be hired by. The fraud immediately was detected after the first weekend following the wire transfers. That Monday following the incident, an account notice was placed by Wells Fargo as I notified them on the fraudulent activity and a new checking account was opened. Wells Fargo has been notified of fraud by phone. A month later in XX/XX/year>, XXXX XXXX XXXX XXXX showed a payment processing from the newly made checking account. Wells Fargo was notified to not accept the charge from XXXX  XXXX XXXX XXXX. Wells Fargo said they placed a note that the chargeback from XXXX  XXXX XXXX XXXX was unauthorized. The unauthorized chargeback from XXXX XXXX XXXX XXXX went through and depleted my account into the negatives.I have been trying to refund my initial checking balance of {$1300.00} from the {$5800.00} that the scammers defrauded Wells Fargo through my account. My account has since been closed by Wells Fargo and my credit card of over 10years with over XXXX credit limit closed as well due to this mess. Since then, I placed a police report and formal complaints with Wells Fargo and through CFPB to gain resolution to this problem. It was been over a year since my initial dispute. Wells Fargo contacted me yesterday about the negative balance they want me to pay back. As far as I am concerned, Wells Fargo actually owes me the {$1300.00} that they took back in XX/XX/year> when they allowed XXXX  XXXX XXXX XXXX to pull {$5800.00} that was labeled and noted as an unauthorized charge. I strictly told them to put a stop to the charge and what would happen If Wells Fargo allowed the charge to go through from them. Had Wells Fargo listened, then I would have had to deal directly with the neighboring Credit Union relinquishing any liability from Wells Fargo and initially myself. Since they allowed the unauthorized charges to go through to the new checking account I created, we all now have to solve this overly complicated Fraud case. I can not be liable for the full amount as I am covered, as a consumer, by federal law given that i reported the Fraud and took all the necessary steps within 3 days. I called Wells Fargo Fraud Department to file a new claim and no one was available when they transferred my call. The initial agent who was asking for the remaining {$4000.00} said that I needed to place a police report on the Fraud which i have done 2 years prior to now. This situation needs to be resolved 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 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I do not recognize the credit card accounts 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 2024-12-07 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: FL

Complaint narrative:
I am filing this identity theft report because I believe that my personal information was compromised in the XXXX  Equifax Data Breach, which has resulted in unauthorized accounts being opened in my name. According to the official Equifax Breach Settlement website ( equifaxbreachsettlement.com ), I was directly impacted by this breach, during which sensitive personal information such as Social Security numbers, dates of birth, and other identifying details were exposed. 
The exposure of my data during this breach has allowed unauthorized individuals to fraudulently use my identity to open accounts without my knowledge or consent. This has caused significant harm to my credit and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
Experian on report # XXXX violated 15 USC 1681eb and the FCRA by not deleting accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE BUREAUS

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX on report # XXXX violated 15 USC 1681eb and the FCRA by not deleting accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE BUREAUS

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