vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : # 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023, I made a purchase from XXXX, acquiring a laptop. Upon receiving it, I discovered a defect with noticeable lines on the screen. In response, I promptly initiated a return. However, XXXX unexpectedly closed my account and remained unresponsive to my attempts to seek resolution via emails. 

Subsequently, I filed a claim through XXXX to reclaim the funds associated with the purchase. After a two-month process, the claim was unexpectedly closed. Despite my attempts to provide additional information for resolution, XXXX cited XXXX as a hindrance and asserted that the claim couldn't be reopened. 

This situation is perplexing as no request for supplementary information was communicated during the course of the claim. I possess pertinent evidence, including the receipt and tracking information, which was not considered in the claim closure decision. 

This erratic handling of the case by both XXXX and XXXX has left me in an unjust predicament, and I am compelled to file a complaint with the CFPB to seek a fair and equitable resolution to this matter. I believe that the procedural irregularities and lack of communication merit a thorough investigation to ensure consumer rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
There are XXXX incorrect fraudulent and unathorized hard inquiries on my credit report. 

Milestone Inquiry date : XXXX XXXX Milestone Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX : Inquiry XX/XX/XXXX XXXX XXXXXXXX Credit plus XXXX XXXX XXXX ( number does not even work ) I have not applied for any line of credit from these companies. i already have an account with milestone so there would not have been a need for me to apply for more, plus my XXXX XXXX was low in XXXX so i would not have applied. XXXX said that they do not have an application for me so no record of any inquiry but it is on my report. XXXX  " XXXX '' - name of representative said he emailed his supervisor to have it removed and it has not been removed. Credit plus i did not apply for any credit from them. I would like for these companies to remove this incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
. I noticed credit inquiries that I did not authorize! I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I contacted transunion & they replied today XX/XX/ with the enclosed document which is a delay which is illegal I personally wrote the dispute letter enclosed I called transunion to tell them it was me & they hung up on me 3 times

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 2023-10-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX ACCT. # XXXX, has violated my rights.

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.

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 2023-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
To Whom It May Concern : Im writing this letter to express my gratitude as a customer of Citizens Bank, and as a follow-up to my letter dated XX/XX/XXXX regarding my auto loan account. As requested, the first letter was sent via snail mail. In the letter, I requested that an item posted to my credit report be reversed as a one-time courtesy. I have not received any confirmation of its receipt, an indication that the letter 's contents are being investigated, or a notice of resolution outlining any next steps. 

I want to reiterate my request for a one-time courtesy forgiveness of a 30-day late payment reported to the credit bureaus in XX/XX/XXXX. This was the only time that an adverse report was issued since I have been a customer of Citizens Bank, and it has had a notably detrimental impact on my credit score, reducing it by XXXX points. In addition, this late payment has affected my ability to access credit, obtain lower interest rates, and qualify for mortgage and car refinancing. 

On XX/XX/XXXX, due to financial hardship, I made a partial payment of {$120.00}. This was done to support my parents with bills, which unfortunately meant that XXXX was a month where no payment could be made. On XX/XX/XXXX, I experienced further financial difficulty when my car caught a flat tire and the battery died. Due to the provisions of my insurance policy, I would have to reach a {$1000.00} deductible before financial assistance could be had. To this end, I had to purchase new tires and pay for the towing of my car. I have included a XXXX XXXX receipt and text messages that show communication with the towing company XXXX XXXX XXXX and XXXX XXXX ) on that day. I have also included the receipt from XXXX XXXX. 

Despite this, I had previously maintained a record of on-time payments. To make up for the other partial payments, I made three payments in XXXX : XX/XX/XXXX for {$260.00} ; XX/XX/XXXX for {$260.00} ; and XX/XX/XXXX for {$260.00}, bringing my account to current. 

I understand my financial duties, and if it were not for the costs associated with towing and new tire installation, I would have maintained an outstanding repayment history. Regretfully, I made a misstep in falling behind. This does not demonstrate my creditworthiness and commitment to paying my debts. It would be greatly appreciated if you could afford me another opportunity and make a goodwill adjustment to erase the late payment.

I appreciate your consideration, and I hope you will grant my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX. # XXXX, has violated my rights. 

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.

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 2023-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: TN

Complaint narrative:
Due to lack of unemployment i lost my job couldnt keep continue making payments to the loan on the vechicle anymore I called to have the vechicle to be voluntarily repossed and the respresentative that work at westlake financial services stated that they didnt won't the car because it was a useless piece of XXXX because it is an XXXX  and they couldnt do anything with it and also stated that they werent picking up the vechicle! I CALLED THEM MULTIPLE TIMES ABOUT THIS REPOSSESSION AND THEY HAVE NOT REPOND TO PICKING UP THIS VEHICLE! This is absurd! I, in good faith called them to pick this vehicle up at XXXX XXXX XXXX XXXX, Tn XXXX. 

etc these are some of the recently dates i corresponded with them XXXX XXXX XXXX XXXX XXXX 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 2023-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: OR

Complaint narrative:
I am paying {$500.00} a month on a loan and in three months my balance has only gone down {$300.00}. I've been trying to pay this off for a while and they're telling me I have 106 % interest rate so it will be paid off in XXXX. I don't trust that they will consider my loan paid off by that time as the interest rate seems to keep my account at the same balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This relates to a Lowe 's ( hardware store ) card, billed by Synchrony. 

Prior experience has taught me that this company sometimes sends the bill so late that even if you pay the day the bill arrives, you will be charged a late fee. In a previous instance they did refund the wrongly-charged fee. 

So on XXXX XXXX I noticed that the usual bill had not arrived, and went online to see if there was a bill this month. The online log-in said they were discontinuing mailing bills and switching to online bills. So I tried to check for the bill online. Their website said online statement not currently available, but that I owed payment by XXXX XXXX. I have not received any bill for this period by email, by mail, or by any other method, but for my logging on in suspicion. 

Then Lowe 's sends an email " confirming my preference '' for online billing. 

I paid the bill on time using billpay, and my bank says the payment will arrive on XXXX XXXX, so I should not be charged this time. 

Please require Lowe's/Synchrony to send credit card billing early enough that customers can pay on time and avoid late charges.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Trans Union, XXXX, and XXXX are reporting inaccurate information on XXXX XXXXXXXX account number XXXX. It's reporting as 60 days late.

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 2023-10-06 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: Yamaha Motor Finance Corporation USA
State: CT

Complaint narrative:
I ask to finance a XXXX XXXX amd when they run the credit report it shows a collection from Yamaha Corp I call them to see if they knew. And I even spoke to a manager and XXXX couldn't find any mistake. Because I made on time all payments. I need to be fix it because that cause me the interest that I have to paid on my new car is bigger than was supposed to be because of his mistake. Amd now they don't see it to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-06 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: GA

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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was scammed out of {$120000.00} from an outfit claiming to be XXXX, they fooled me into using XXXX-then proceeded to systematically rob me through XXXX, XXXX, XXXX gift cards and wire transfers .The wire transfers came from my account at Wells Fargo bank and went to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This drubbing started on XX/XX/XXXX, and they took about 3 weeks to steal the money up through XX/XX/2023.

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 2023-10-06 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
Regarding a prior open complaint, I was contacted by someone named XXXX  with Bridgecrest that states she works in the compliance department. She stated she reviewed all the calls I had regarding the extension request submitted that they denied without cause. They stated you need income to get the extension, which i have income, yet it was still denied. XXXX also lied to me several times. 

I called Bridgecrest several times over the course of the last 7 days and while my application for the loan extension was pending, I called in XX/XX/30 and spoke to a rep inquiring about the deadline to make a payment by XX/XX/XXXX or Bridgecrest would report to my bureaus that I was XXXX late. I had the money to make a payment that day but it wouldn't make sense to do that as once the extension was approved, I would be current. I asked the rep ( of course do not have her name ) about my credit reporting and that if I had to wait until monday, it would be after XX/XX/XXXX and they would mark me late. She stated verbatim " Oh you do not have to worry about that happening, you aren't even in a spot where that would happen. '' This rep ASSURED me on the call that regardless of whether my extension application was approved or denied, that Bridgecrest would NOT report me 30 days late. I accepted that and ended the call. 

XXXX lied to me several times on what i hope was a recorded call as well. Stating the rep never said it wouldn't be reported as late, which the rep did say. XXXX is lying to protect the company and I am BEGGING the CFPB to step in and get the call recordings along with the false information XXXX furnished to me and do something about this. XXXX Reviews can tell the CFPB all they need to know about the shifty business dealings of Bridgecrest and how they deceive consumers on a daily basis. 

XXXX stated on the call with me that Bridgecrest has ALREADY reported me late on my credit bureaus. I have no update while I have 3+ daily credit monitoring services. Meaning they may be intending to, but she stated they already did. Which of course is yet another lie furnished. This behavior is what led to the passage of the Dodd-Frank Act and what created the CFPB to begin with.

Company response to consumer: Closed with explanation