vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 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: TX

Complaint narrative:
There was a complaint submitted to the CFPB on XX/XX/year> for account XXXX XXXX XXXX. The complaint id is XXXX. You were informed to remove the account and remit payment to the address on the invoice due to your incorrect reporting, but this account is still reporting without validation of debt, and you failed to remit payment. XXXX and XXXX have since deleted this inaccurate information from my credit report so how are you still reporting this as accurate? You were already sent an FTC report and failed to remove this account therefore I am now seeking monetary relief for your negligence and violation of the FCRA. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the FTC report and the True bill attached. Remit payment to address on the invoice within 10 business days. If this account is not deleted and payment is not received, I will have no choice but continue with my intent to sue Transunion being that you were already notified numerous times, and this is now negligence.

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 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need claim number XXXX and claim number XXXX and claim number XXXX and claim number XXXX for {$100.00} and {$460.00} and {$11.00} and {$470.00} because I didnt authorized the payments and they are fraudulent and I want them to be reopen or reinvestigated or investigate again or make into a new dispute and investigate again or give me a onetime credit for all the amounts because XXXX XXXX help me recover my money back from it they keeping rejecting my disputes status saying I authorized the payments but I didnt etc.send my issue to a supervisor etc. My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username 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 2024-07-16 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:
I have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2024-07-16 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: FL

Complaint narrative:
I sent letters to equifax and XXXX with my information but they havent responded in over 40 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: IL

Complaint narrative:
I am reaching out to you with an urgent matter that requires your immediate attention. I have recently discovered that my personal information has been compromised, and I believe that I am a victim of identity theft. 

Upon conducting further investigation, I have learned that my personal details were used to open an account at your company without my consent or authorization. As this account was created fraudulently using my identity, I am formally requesting that it be closed with immediate effect to prevent any further misuse of my information. 

I understand the seriousness of identity theft and the potential consequences it can have on one 's financial well-being and personal security. Therefore, I urge you to take swift action to close the unauthorized account and provide me with confirmation once this process has been completed. 

I have attached relevant documentation supporting my claim of identity theft for your reference. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the closure of the unauthorized account at your earliest convenience. 

Sincerely, 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 2024-07-16 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 reaching out to you with an urgent matter that requires your immediate attention. I have recently discovered that my personal information has been compromised, and I believe that I am a victim of identity theft. 

Upon conducting further investigation, I have learned that my personal details were used to open an account at your company without my consent or authorization. As this account was created fraudulently using my identity, I am formally requesting that it be closed with immediate effect to prevent any further misuse of my information. 

I understand the seriousness of identity theft and the potential consequences it can have on one 's financial well-being and personal security. Therefore, I urge you to take swift action to close the unauthorized account and provide me with confirmation once this process has been completed. 

I have attached relevant documentation supporting my claim of identity theft for your reference. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the closure of the unauthorized account at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: WI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I started a new job in XXXX. There was 30 days that I didn't recieve a paycheck. I have tried on multiple occasions to try to get help to no longer be reported delinquent on my loan and get back to being current. I was told on multiple occasions that I needed to make 6 payments to be eligible for a deferment. I made my 6th payment on XX/XX/XXXX and contacted bridgecrest to get a 2 month deferment so when I could make another payment on XXXX that I would be making the current payment due. On XX/XX/XXXX the agent escalated and never got back to me. I reached out again on XX/XX/XXXX and was told that my loan is not far enough delinquent to now get a payment deferment, however every day I'm late I'm incurring fees that they are unwilling to address because they will not assist with the deferment. They are taking advantage and hiding behind charging fees vs helping their customers. The fact they are unwilling to do anything but threaten to get the vehicle in 60 days but won't offer assistance so they can continue charging fees in unethical.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2024-07-16 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX. Account Number : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated on time as they should be as I was NEVER late. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-16 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX, I filed a complaint with the XXXX  against Synchrony Bank for sneaky practices. I was offered a XXXX loan via PayPal through XXXX XXXX XXXX XXXXXXXX to purchase film equipment the loan money coming from Synchrony Bank. They claim there is no interest due on any purchases if paid in 6 months, however, I noticed while making scheduled payments my due amount was going higher. I contacted Synchrony Bank and learned they charge their own fee every month if said item is not paid off in the first month - this is essentially an interest fee they charge while hiding behind the advertisement that no interest will be charged if paid off in 6 months. 

This is very sneaky and when a payment is missed which I have since missed three payments they charge a rate of well over {$40.00} for late fees. Which I thought was not legally allowed. There is a lot of information online about Synchrony Bank ruining people 's credit scores charging whatever they choose for late fees and advertising no interest while charging their own monthly late fee. Synchrony Bank has not responded to the XXXX  and has since lost its accreditation. 

I don't understand why PayPal still uses this bank other companies ' their practices are crude and should be stopped. I would like to do what I can to help people realize any loan through Synchrony Bank will surely have a great impact on their credit as well as put them in the position of making it very difficult to pay off. 

Thank you, 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 2024-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I can not pay my loan. I applied for forbearance and has not been responded to in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: PNC Bank N.A.
State: IN

Complaint narrative:
We applied for HELOC to refinance credit card debt. An off site appraisal was performed mid XXXX. The report was unexpectedly low. Upon further review of the appraisal, they only reported the presence of XXXX bathroom. But the house was built with XXXX full bathrooms and XXXX half bathroom. I immediately called the person working on my loan application to let her know there was a significant error. 
I provided pictures of the bathrooms and a previous on-site appraisal. She initially agreed to a second inspection on site. The process was delayed due to a previous lenders clerical error to submit a mortgage release letter. Once the letter was submitted, we agreed to schedule the on-site appraisal. However once I submitted the mortgage release letter, within XXXX hours they closed the application and declined my application based on the erroneous value provided by the XXXX bedroom XXXX bathroom appraisal. I was told they can not reverse a decision once the application is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: TX

Complaint narrative:
Please see the True bill attached for violation of account OFFICE OF THE ATTY GEN XXXX and remove all lates from this account and update my credit report because you are reporting inconsistent information. Not only are you reporting absolutely incorrect payment information such as 120 days when there are no prior late payments, XXXX and XXXX report this account as paid as agreed. You were notified over 45 days ago in a letter that was sent certified mail that you were in violation for reporting incorrect and misleading information. I have attached my credit report to show the erroneous errors and conflicting information. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the True bill attached. Remit payment to address on the invoice within 10 business days. If this account is not updated, and payment is not received, I will forward this information to my legal attorney. Delete aforementioned accounts. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

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