vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-24 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:
To whom it may concern : I am reaching out to you because I am concerned about the accuracy and honesty of your company 's data. As per FCRA section 611, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers. After doing some research into Metro 2 compliance standards as well ( since they are rather new ), I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down this road together.My credit report is a representation of my financial standing and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, and complete! Therefore, I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate. It never had any verification, compliance with reporting laws by means or even credibility - so now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact on my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records. 
Below is a summary of the data in which I am challenging : Personal Information for TransUnion NAME : XXXX XXXX XXXX XXXX Hello, I'm requesting that you update your system with my correct name, which is XXXX XXXX . If you have any records of my name that differ from what I have provided, please delete them immediately. Thank you.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, TRANSUNION AND XXXX are providing false information regarding my actual situation, that is causing me a lot of emotional damage, but also their wrong information is blocking me the opportunity to get credit from banks or credit cards, because I want to build my credit but because their false information, they make me look like a risk person. I summited a banckrupcy and it was discharged on XX/XX/2022, XXXX XXXX, that erases all the debts under my name, but they continue showing old and not accurate information ignoring the judge resolution. I asked to remove that information but they insist not to remove it. Also, it was a very hard time for me to get my own reports because they took too long, more than a year to send me my information, but they do inmediatly with the banks or other agency, that is not fair, because is not only the false information, it is also the discrimination to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX, XXXX AND XXXX are providing false information regarding my actual situation, that is causing me a lot of emotional damage, but also their wrong information is blocking me the opportunity to get credit from banks or credit cards, because I want to build my credit but because their false information, they make me look like a risk person. I summited a banckrupcy and it was discharged on XX/XX/2022, XXXXXXXX XXXX, that erases all the debts under my name, but they continue showing old and not accurate information ignoring the judge resolution. I asked to remove that information but they insist not to remove it. Also, it was a very hard time for me to get my own reports because they took too long, more than a year to send me my information, but they do inmediatly with the banks or other agency, that is not fair, because is not only the false information, it is also the discrimination to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I hope this message finds you well. My name is XXXX, and I am writing to express my deep concerns regarding my current loan with Bridgecrest, a third-party vendor of XXXX. 

Approximately three years ago, I entered into a loan agreement with Bridgecrest for a vehicle. Unfortunately, my experience with the vehicle has been extremely unsatisfactory. Just two days after taking ownership of the car, it stalled unexpectedly. As per Bridgecrest 's recommendation, I promptly had the vehicle inspected and repaired by their designated mechanic. Regrettably, I was not provided with a detailed invoice specifying the repairs undertaken, as Bridgecrest covered the expenses under their warranty. 

Despite my ongoing efforts to maintain the vehicle, including several self-financed servicing attempts costing me thousands of dollars, I have continued to face recurring issues with the car, specifically, it stalling out unexpectedly. I have reached out to Bridgecrest on multiple occasions to report the recurring issues and explore potential solutions, such as obtaining a replacement vehicle that is in working condition. However, I have been informed that there is no available recourse to address the persisting problems with the car. 

Furthermore, my financial burden is exacerbated by the fact that I still owe approximately {$12000.00} on a vehicle that, according to current market assessments, is valued at only {$3000.00}. This stark disparity between the remaining loan balance and the vehicle 's depreciated value is a significant concern. 

Given this challenging situation, I have considered the option of a voluntary repossession. However, I have learned that this action would result in the retention of my {$12000.00} debt, along with a detrimental impact of XXXX points on my credit score. 

I am writing with the hope of seeking a fair resolution to this predicament. I kindly request that Bridgecrest reevaluate my case and explore potential solutions that can alleviate the financial and operational burdens I currently face with the vehicle in question. Your assistance and prompt attention to this matter would be greatly appreciated. 

Thank you for your time and consideration. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: FIRST PORTFOLIO SERVICING INC
State: NY

Complaint narrative:
XXXX XXXX reported late payments on all 3 bureaus. 
XXXX XXXX reported late payments on all 3 bureaus. 
XXXX XXXX reported late payments on XXXX and XXXX. 
XXXXXXXX XXXX reported late payments on all 3 bureaus. 
XXXX reported late payments on all 3 bureaus. 
XXXX XXXX XXXX  reported late payments on all 3 bureaus. 
XXXX XXXX reported late payments on all 3 bureaus. 
DeptedXXXX reported late payments on all 3 bureaus. 

In accordance with the fair credit reporting act this creditor violated my rights. Under 15USC1681 section 602 states I have the rights to privacy. 15USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am writing this letter to file a formal complaint against Bank of America due to their mishandling of my account and their negligence in addressing my grievances in a timely and professional manner. 

On XX/XX/2022, I liaised with one of your representatives, aiming to close my checking account and Bank of America Visa credit card. I fulfilled the outstanding amount of {$260.00} to seal the closure. The representative verbally confirmed this action. However, a subsequent review of my credit report in XX/XX/2022 revealed a delinquent late payment tied to the very same credit card I believed was settled and closed. 

Upon contacting your institution on XX/XX/2022, it was confirmed that my account had indeed been incorrectly closed, leading to the erroneous delinquent charge. Though the account was reopened to facilitate a proper closure and an internal investigation was launched, I received no further communication from your end. Only after escalating the issue to the Consumer Financial Protection Bureau ( CFPB ) did I receive any acknowledgment. 

During this entire ordeal, XXXX XXXX XXXX, the designated enterprise specialist, consistently ignored my communications. Her eventual response was only on the brink of the CFPB 's deadline. Moreover, the subsequent investigation inexplicably denied the forceful closure of my account and even negated the existence of my business account. 

Bank of America 's inconsistency was further demonstrated in a letter I received on XX/XX/2022, which stated that my credit card had been closed per my request and was marked as delinquent, contradicting earlier correspondence. 

The repercussions of your bank 's errors have been manifold. Notably, XXXX has terminated my credit cards due to the unwarranted delinquency on my record. This, combined with the now tainted credit report, jeopardizes my imminent mortgage application. 

Bank of America 's sheer disregard for this matter has been both alarming and distressing. The apathy and unprofessionalism shown by your staff are unacceptable. I expect a prompt acknowledgment of your bank 's mistakes and immediate rectification, notably the removal of the wrongful delinquency from my credit report. An official apology for the undue stress and inconvenience caused is also warranted. 

Should Bank of America neglect to address this grievance effectively, I am prepared to resort to legal avenues to safeguard my rights. 

Your immediate attention to this pressing issue is anticipated.

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 2023-09-24 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: NC

Complaint narrative:
I am writing to express my deep concern and frustration regarding a dispute I have raised with Equifax concerning unauthorized hard inquiries on my credit report. These inquiries are inaccurate, have a detrimental impact on my creditworthiness, and I urgently request their removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following unauthorized hard inquiries have been reported on my Equifax credit report : 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 I have diligently reviewed my credit report and can affirmatively state that I neither authorized nor initiated these inquiries. The inaccuracies in my credit report are not only damaging my credit score but also affecting my financial well-being. It is my understanding that the FCRA mandates accurate reporting by credit bureaus, and the presence of unauthorized and erroneous hard inquiries directly contradicts this requirement. 

I have previously contacted Equifax to dispute these inaccuracies, providing all necessary documentation and information to support my claim. However, despite my efforts, Equifax has not taken appropriate action to rectify the situation, and these unauthorized inquiries remain on my credit report. 

I kindly request your intervention in this matter to ensure that Equifax promptly investigates and resolves this dispute in accordance with the law. I urge you to take immediate action to facilitate the removal of these inaccuracies from my credit report to restore the accuracy and integrity of my credit profile. 

I appreciate your attention to this matter and request that you keep me informed of the progress and resolution of this dispute. I look forward to a swift resolution in compliance with the FCRA. 

Thank you for your assistance in this crucial matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: TX

Complaint narrative:
I sent my letter off on XX/XX/2023 to Transunion for them to " investigate every piece of information on the accounts i listed below. Also i have attached the copy of my credit report i attached to the letter. 

According to the FCRA the term " Investigate consumer report '' means a consumer report or portion of thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not complete a proper investigation according to the law. Also every piece of information on those accounts are reporting 100 % accurate. And according to FCRA 15 USC 1681 every things has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-24 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: CA

Complaint narrative:
To whom it may concern : I am challenging you to review your data on file for me! I insist that all inaccuracies or deficiencies of reporting be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 
1681I ) and Metro 2 compliance standards. The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy! 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank has a shady practice of locking in customers in their CDs. When the CD is about to mature, they do not send any notifications but default renew the CD. When I ( user ) tried to cancel auto renewal of future CDs on their maturity date, I can not do so. The only way they allow this is to call them via phone 30 days before the day of maturity. Their online portal only allows to change the term of CD renewal ( duration and amount ) but does not provide the cancel renewal option. They auto renewed CD without notifying me and when I noticed and called them, they are saying I need to penalty to cancel the CD. Which I understand if I was canceling a CD that I created, however renewing my CD without notice, not giving me the option decide how my CD should mature ( renew or cancel ) ahead of time and then penalizing me for canceling my CD when I didn't intend is an unfair design practice and I would like Synchrony to honor my choices and limit when I can or can not withdraw my funds by making it very difficult to close the CD when they mature.

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 2023-09-24 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1618 XXXX Account # XXXX 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 and any other adverse information, other than records of convictions of crimes which antedates the report more than 7 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.

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 2023-09-24 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1618 Experian Account # XXXX 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 and any other adverse information, other than records of convictions of crimes which antedates the report more than 7 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.

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 2023-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Called and emailed resurgent ( LVNV Funding LLC ) have submitted a prior complaint with CFPB ) they will not validate debt. Ive given this debt collector a fair opportunity to provide what I requested and they have failed. Id like to have debt removed from my credit report asap! Id also like an investigation open as this company is not following fair consumer credit reporting guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1618 Experian Account # NT7746XXX 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 and any other adverse information, other than records of convictions of crimes which antedates the report more than 7 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.

Company response to consumer: Closed with explanation