vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have repeatedly sent letters to XXXX, Experian, and XXXX requesting the removal of old, outdated, and incorrect information from my credit reports, but they have failed to respond or take any action. This negligence is highly concerning as it affects my financial standing and could harm my reputation with future employers and creditors. 

Despite providing proof of my correct personal information and identity, including copies of my Driver License, Social Security Card, and Utility Bill, the credit reporting agencies have not made the necessary corrections. This inaccurate reporting creates a misleading image of my credit history, suggesting I have lived at multiple addresses simultaneously with different phone numbers and employers. 

I demand that XXXX, Experian, and XXXX promptly remove all the incorrect information from my credit reports as it is damaging and misleading. Their failure to address these issues is a violation of the Fair Credit Reporting Act, and I expect immediate action to rectify this situation to avoid any further consequences on my financial well-being.

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 2024-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: RFNA, LP
State: GA

Complaint narrative:
I received a loan check in a mail from Republic Finance for the amount of {$5000.00}. I deposited on the XX/XX/2024, I thought it was a joke and it was cleared. I realized that I didn't need the money again, and I immediately called the company on the XX/XX/2024 and cancelled the loan and refunded the exact amount- {$5000.00} the same day. Please, see the screenshot of the attached receipt from the company for the payment. 
The following day, XX/XX/2024, I received a phone from the company saying I still owed charges of about {$350.00} to close the account, because they opened an account in my name for me. 
A couple of days I received 2 mails from the company stating that my payment was " Paid-Ahead Account Status '' and I still owe {$3200.00}, for interest and charges with monthly payment of {$220.00} Please, see the attached 2 letters from the company for your review. 
From my observation I think the company is a legalized scamming company exploiting vulnerable people in vulnerable situations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On Friday, XX/XX/year> at around XXXX XXXX, I called the Truist consumer XXXX  ( XXXX ) for an error regarding adding external accounts to transfer funds into and out of my Truist checking account. I have had this problem for over a year. I call and no one can ever give me a reason why a crucial part of their system doesn't work for me. I attempt to add banks in order to have as external transfer accounts and it always say the routing number is invalid. It is 3 different types of banks, so it is virtually impossible that all 3 would be invalid. On this call, they told me to try the website. I told them it didn't work. They said to try the mobile app. Same thing, I told them it didn't work. He said he would leave a note and that they could call me back but it has been a month and now callback. I have no issue with any of the sevwral other banks I use, only truist prohibits me from adding external transfer accounts.

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 2024-09-08 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: IN

Complaint narrative:
I am writing this complaint today because on XX/XX/XXXX, I sent XXXX XXXX XXXXXXXX XXXX  a letter formally revoking any, past or present, implied written, verbal, non-written, non-verbal, or assumed right to freely report transactions and experiences on this account to my consumer report. Per the protection of my privacy via The Privacy Act of XXXX.There has been no response and a continuation of reported information for the month of XX/XX/XXXX. 

Event Summary : I received a copy of my official consumer report in the month of XXXX & XXXX. After reviewing all information on the consumer report, this account showed multiple inaccuracies. I then reached out directly to the company to get some clarification on the status of my account and the information given from the furnished was not correctly conveyed across all CRAs reports. The Credit Reporting Agencies are showing inconsistencies with each other and as well as showing Account Status inconsistencies with the furnisher, XXXX XXXX XXXX XXXX XXXX XXXX clearly violating my rights protected under the FCRA XXXX Which, as we know is to ensure the maximum possible accuracy of my consumer report and is the ASSUMED responsibility of the CRAs. Given the sheer number of inaccuracies reported and the impact that continuing to entrust this responsibility of reporting this account, XXXX have a negative impact on my ability to obtain credit in the future. As it is ultimately MY responsibility to ensure that my NPPI, consumer report, and reputation is properly protected and maintained. I wrote a letter on XX/XX/XXXX addressed to XXXX XXXX, giving notice of my right to opt out and instruction on reporting certain nonpublic personal information on my consumer report covered under the privacy act of XXXX. 

My intention is to maintain a working relationship with XXXX XXXX, and All CRAs. However this CAN NOT continue to be tolerated. Under no circumstances should there be this many violations on a public record. All exhibits and evidence are outlined in the attachments of this compliant. 

Thank you very much for prompt 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 2024-09-08 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: IN

Complaint narrative:
I am writing this complaint today because on XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX  a letter formally revoking any, past or present, implied written, verbal, non-written, non-verbal, or assumed right to freely report transactions and experiences on this account to my consumer report. Per the protection of my privacy via The Privacy Act of XXXX.There has been no response and a continuation of reported information for the month of XX/XX/XXXX. 

Event Summary : I received a copy of my official consumer report in the month of XXXX & XXXX. After reviewing all information on the consumer report, this account showed multiple inaccuracies. I then reached out directly to the company to get some clarification on the status of my account and the information given from the furnished was not correctly conveyed across all CRAs reports. The Credit Reporting Agencies are showing inconsistencies with each other and as well as showing Account Status inconsistencies with the furnisher, XXXX XXXX XXXX XXXX XXXX XXXX clearly violating my rights protected under the FCRA XXXX Which, as we know is to ensure the maximum possible accuracy of my consumer report and is the ASSUMED responsibility of the CRAs. Given the sheer number of inaccuracies reported and the impact that continuing to entrust this responsibility of reporting this account, XXXX have a negative impact on my ability to obtain credit in the future. As it is ultimately MY responsibility to ensure that my NPPI, consumer report, and reputation is properly protected and maintained. I wrote a letter on XX/XX/XXXX addressed to XXXX XXXX, giving notice of my right to opt out and instruction on reporting certain nonpublic personal information on my consumer report covered under the privacy act of XXXX. 

My intention is to maintain a working relationship with XXXX XXXX, and All CRAs. However this CAN NOT continue to be tolerated. Under no circumstances should there be this many violations on a public record. All exhibits and evidence are outlined in the attachments of this compliant. 

Thank you very much for prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: IN

Complaint narrative:
I am writing this complaint today because on XX/XX/XXXX, I sent XXXX XXXX XXXX Bank a letter formally revoking any, past or present, implied written, verbal, non-written, non-verbal, or assumed right to freely report transactions and experiences on this account to my consumer report. Per the protection of my privacy via The Privacy Act of 1974.There has been no response and a continuation of reported information for the month of XX/XX/XXXX. 

Event Summary : I received a copy of my official consumer report in the month of XXXX & XXXX. After reviewing all information on the consumer report, this account showed multiple inaccuracies. I then reached out directly to the company to get some clarification on the status of my account and the information given from the furnished was not correctly conveyed across all CRAs reports. The Credit Reporting Agencies are showing inconsistencies with each other and as well as showing Account Status inconsistencies with the furnisher, XXXX XXXX XXXX XXXX XXXX XXXX clearly violating my rights protected under the FCRA XXXX Which, as we know is to ensure the maximum possible accuracy of my consumer report and is the ASSUMED responsibility of the CRAs. Given the sheer number of inaccuracies reported and the impact that continuing to entrust this responsibility of reporting this account, May have a negative impact on my ability to obtain credit in the future. As it is ultimately MY responsibility to ensure that my NPPI, consumer report, and reputation is properly protected and maintained. I wrote a letter on XX/XX/XXXX addressed to XXXX XXXX, giving notice of my right to opt out and instruction on reporting certain nonpublic personal information on my consumer report covered under the privacy act of XXXX. 

My intention is to maintain a working relationship with XXXX XXXX, and All CRAs. However this CAN NOT continue to be tolerated. Under no circumstances should there be this many violations on a public record. All exhibits and evidence are outlined in the attachments of this compliant. 

Thank you very much for prompt 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 explanation
Consumer complaint received 2024-09-08 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Everything on my credit report for the last 5 years is identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc I filed a ftc report for identity theft report number # XXXX Police report filed with the XXXX Report number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
I reached out to the company and demanded that they furnish any documentation with my yet ink signature stating that I gave said company to furnish information to my credit report ( 15 usc 1681 ( b ) ). Even filed a dispute with the consumer agencies. 

They have exhibited unfair business practices UCC 9-609 ( b ) by stepping on my property, and UCC 9-623 by denying my right to reclaim vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: NC

Complaint narrative:
I have repeatedly sent letters to TransUnion, XXXX, and XXXX requesting the removal of old, outdated, and incorrect information from my credit reports, but they have failed to respond or take any action. This negligence is highly concerning as it affects my financial standing and could harm my reputation with future employers and creditors. 

Despite providing proof of my correct personal information and identity, including copies of my Driver License, Social Security Card, and Utility Bill, the credit reporting agencies have not made the necessary corrections. This inaccurate reporting creates a misleading image of my credit history, suggesting I have lived at multiple addresses simultaneously with different phone numbers and employers. 

I demand that TransUnion, XXXX, and XXXX promptly remove all the incorrect information from my credit reports as it is damaging and misleading. Their failure to address these issues is a violation of the Fair Credit Reporting Act, and I expect immediate action to rectify this situation to avoid any further consequences on my financial well-being.

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 2024-09-08 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: NC

Complaint narrative:
I have repeatedly sent letters to XXXX, XXXX, and Equifax requesting the removal of old, outdated, and incorrect information from my credit reports, but they have failed to respond or take any action. This negligence is highly concerning as it affects my financial standing and could harm my reputation with future employers and creditors. 

Despite providing proof of my correct personal information and identity, including copies of my Driver License, Social Security Card, and Utility Bill, the credit reporting agencies have not made the necessary corrections. This inaccurate reporting creates a misleading image of my credit history, suggesting I have lived at multiple addresses simultaneously with different phone numbers and employers. 

I demand that XXXX, XXXX, and Equifax promptly remove all the incorrect information from my credit reports as it is damaging and misleading. Their failure to address these issues is a violation of the Fair Credit Reporting Act, and I expect immediate action to rectify this situation to avoid any further consequences on my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I leased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX was the person I seen in finance to complete the lease paperwork. I made it clear that the vehicle was for my personal use not used for any business purposes then on XX/XX/XXXX I received three bills for GMC Financial for property tax totaling {$1100.00} I called and spoke to someone at GMC customer service an explained that the information should have been filled out at the dealership I was told that there was no lessee 's affidavit on file that I had to pay the taxes and was mailed lessee 's affidavit back in I filled out the form an had it notarized as requested. I mailed it back to GMC Financial XX/XX/XXXX called back about 3 weeks later they said they had not received the Lessee 's affidavit then they mailed another form I mailed the form back to the address that was in the letter stating the address to send the form back to an emailed it also now are still saying that they have not received the form now I will have to pay tax fees for XXXX I need help getting this solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: IL

Complaint narrative:
I am filing this complaint to bring to your attention that Equifax has unlawfully re-inserted an account on my credit report, which had previously been deleted. This account is the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

Equifax is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) regarding the re-insertion of the previously deleted account.

Additionally, Equifax is unlawfully reporting fraudulent inquires on my credit report. These inquiries are the result of identity theft and should be permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: GA

Complaint narrative:
I have disputed these Inquiries on my credit report because I have not authorized any company to view my credit report and they should not be on my credit report. The credit bureaus always send me an updated credit report stating that the accounts have been verified and updated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under 15 U.S.C. 1681i, I request an investigation of these inquiries, and in accordance with 15 U.S.C. 1681b, I expect these unauthorized entries to be removed if they are found to lack a permissible purpose. 
Please provide written confirmation of the removal of these inquiries and send me an updated copy of my credit report reflecting these changes. If you are unable to remove these inquiries, please provide me with the evidence of my authorization and the permissible purpose under 15 U.S.C. 1681b for these inquiries.

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 2024-09-08 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: FL

Complaint narrative:
I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score.

Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each indvidual whom you verified and validated the above information with, so that I may follow up accordingly. 

Additionally, please send me an updated copy of my credit report after completing your investigation. 

Account Name : XXXX XXXX Account # : 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 2024-09-08 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: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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