vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: NJ

Complaint narrative:
A data breach at XXXX XXXX that unfortunately was a part of, a financial software provider, compromised the name, address, date of birth, Social Security number, and other account information of XXXX deferred compensation customers whose accounts were serviced by XXXX  XXXX XXXXThe breach occurred XXXX XXXX, according to the letter, and XXXX XXXX notified XXXX XXXX XXXX about the breach on XXXX XXXX. This caused me to occur late payments and new fraudulent accounts to appear on my credit report because of the identity theft that effected me during this time

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 2024-02-26 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: NJ

Complaint narrative:
A data breach at XXXX XXXX that unfortunately was a part of, a financial software provider, compromised the name, address, date of birth, Social Security number, and other account information of XXXX deferred compensation customers whose accounts were serviced by XXXX  XXXX XXXXThe breach occurred XXXX XXXX, according to the letter, and XXXX XXXX notified XXXX XXXX XXXX about the breach on XXXX XXXX. This caused me to occur late payments and new fraudulent accounts to appear on my credit report because of the identity theft that effected me during this time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6. 2 states I have the right to privacy ( 15 USC 1681 ( SECTION 604 A SECTION 2 ( it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

privacy and consent SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
UNITED AUTO ACCEPTANCE XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> ACCOUNT # XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score.

I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law.

Who did you speak to?

License number?

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report.

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Subject : Dispute of Fraudulent Account and Request for Information Under FCRA Dear GreenSky, I have been disputing this since 2022. 

I am writing to dispute the presence of a fraudulent account listed on my credit report. This account, associated with GreenSky XXXX, does not belong to me, and I have never authorized or engaged in any transactions with GreenSky. I believe this account to be the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ), and Section 611 ( 15 U.S.C. 1681i ), I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with this account, and documentation that you have that shows my alleged agreement to open this account. 

Additionally, pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I request the immediate blocking of this fraudulent account from my credit report since it results from identity theft. Attached, please find a copy of the Identity Theft Report and proof of my identity, which support my claim.

Please take the following actions as required by law : 1. Conduct a thorough investigation into the disputed account.

2. Remove or block this fraudulent account from my credit report if it can not be verified as mine.

3. Provide me with the documentation as requested above.

4. Send me a written confirmation of the removal or blocking of this account from my credit report.

I expect these actions to be completed within the statutory timeframe provided by the FCRA, and I ask to be kept informed of the progress of your investigation. Failure to comply with federal law may result in my seeking legal advice and taking further action as necessary.

Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution of this issue. Please contact me at [ Your Phone Number ] or [ Your Email Address ] should you require further information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax has been reporting information on my credit report that is incorrect. All information should be accurate across all bureaus and I have asked for proof of accurate accounts and every letter that has been sent has not been addressed. When I called they stated that the information was verified. I asked for them to send me the information where it was verified and had my signature that I opened the account or something to prove the debt was mine. I have yet to receive anything and its been months. Ive asked to have several accounts removed form my credit report because to be honest and fair we all know they could not verify anything so they used a stall tactic but not responding period will not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts Or permissible purpose. I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 
DELETE THESE ACCOUNTS : Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX  Account number : XXXX Please remove account. 
XXXX XXXX : XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Please remove account. 
Original Creditor : XXXX Account Number : XXXX Please Remove account. 
Original Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove account. 


UPDATE FOLLOWING ACCOUNTS TO ZERO DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX placed a hard inquiry on my credit. That I did not authorize nor recognize. 
Inquiry Date XXXX. Type, Credit Union.

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 2024-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: GA

Complaint narrative:
XX/XX/XXXX my credit score was XXXX. In XXXX of XXXX, I called Social Security and requested that my income be transferred to XXXX XXXX XXXX. 

The woman who took my banking information transposed one digit of the bank 's routing number. As a result, my monthly income was not deposited on time. Every month I paid off my XXXX in full. XX/XX/XXXX, I wasn't able to do that because of the SSA representative 's error. So, I paid the minimum. XX/XX/XXXX ; I paid the minimum on the XXXX. 

XXXX XXXX XXXX asked if I wanted an increased amount on my XXXX and I said, " yes. '' I also applied for a XXXX XXXX credit card. I had one several years ago and was pleased with the company 's customer service. 

Both XXXX  XXXX XXXX and XXXX XXXX ran my credit which lowered my score by a few points. 

My score in XXXX of XXXX was XXXX. 

Transunion ruined my credit rating when they lowered my score to XXXX on XX/XX/XXXX. I've read about the lawsuits that were filed against this company. I'm considering filing a lawsuit against them too. 

Transunion does not have my correct name. I am XXXX XXXX. Years ago I was married to XXXX XXXX. He's dead. I am legally " XXXX XXXX '' and have the paperwork to prove it. I went to court in XXXX of XXXX and was granted a name change.

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 2024-02-26 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
To Whom This May Concern : I am writing to express my deep dissatisfaction and frustration regarding the recent repossession of my vehicle by Bridgecrest without any prior notice. It has come to my attention that my vehicle was repossessed on XX/XX/XXXX, despite having made arrangements with your company for an ACH payment scheduled for XX/XX/XXXX. 
What adds to my dismay is the manner in which the repossession was carried out. Not only was there no prior notice given, but the timing of the repossession in relation to the scheduled ACH payment is deeply concerning. It appears that Bridgecrest proceeded with the repossession despite being aware of the impending payment, which was clearly outlined in the scheduled ACH transaction. In addition ; the ACH payment was drafted from my account. I also have an ACH payment scheduled for XXXX. It was my goal to bring this account current. The last communication from Bridgecrest was that if I dont make a payment by XX/XX/XXXX I will be 60 days past due. I feel like after years of being a customer for multiple years that 60 days is premature for a repossession. My vehicle is how I feed my family including a spouse, along with XXXX children, XXXX of which are in XXXX 
Furthermore, I want to highlight that I had reached out to Bridgecrest on two separate occasions to request a payment arrangement and to discuss the possibility of placing two missed payments at the rear of my loan. Unfortunately, my requests were not acknowledged or acted upon, leading to this unfortunate situation. 
I firmly believe that the repossession of my vehicle was unjust and forced, considering that I was actively engaging with Bridgecrest to address my financial responsibilities. Therefore, I am formally requesting the immediate return of my vehicle. 
I urge Bridgecrest to review this matter with urgency and fairness. I expect a prompt resolution to this issue, including the return of my vehicle and a reassessment of my payment arrangement request. 
Please acknowledge receipt of this letter at your earliest convenience and provide me with details on the steps being taken to address my concerns. Thank you for your prompt attention to this matter. Making two payments in XXXX and XXXX would have my payments caught up. 

Sadley Wounded,

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NY

Complaint narrative:
The US Bank XXXX XXXX XXXX is supposed to give XXXX points on all mobile wallet purchases. Mobile wallet is supposed to include XXXX XXXX, etc. I use the mobile wallet regularly. Since XX/XX/2024, the card has not been issuing the XXXX points on mobile wallet purchases, instead issuing XXXX points. I spoke with US Bank several times and this culminated in a previous CFPB complaint. I was told that this issue was being worked on via response to the CFPB. However, I received a subsequent letter stating that they still did not have any resolution. Further conversations with customer service failed to rectify the issue with them saying there is no timeline for resolution, admitting they could not deny that a resolution could be XXXX months off - or more. This is not acceptable. It does not seem that US Bank is prioritizing this issue, frankly I don't believe they are working to get it fixed at all. They have also failed to notify cardholders this is happening at all, we have not received an email or letter notifying of the issue, instead they are hiding the issue which is why I don't believe they are working to fix it because they are simply hoping people don't notice. We pay {$400.00} a year for this card, this is not acceptable.

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