vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently ordered a copy of my credit reports and discovered several inaccurate and fraudulent items listed on them. I want to emphasize that I have no knowledge of these transactions and believe that I am a victim of identity theft. These items are negatively impacting my life and financial well-being, and I urgently request your assistance in blocking and removing them from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc.
State: NJ

Complaint narrative:
The account has been completely paid, and I possess all the necessary documentation as evidence. Nevertheless, the company is inaccurately reporting this on my credit report. I seek assistance in investigating and resolving this matter promptly, as I simply want to move forward with my life and put this issue behind me. I can readily provide all the required documentation for further examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Your inaccurate reporting has had severe consequences on my character, reputation, lifestyle, and ability to obtain credit for personal and housing purposes. It has significantly impacted my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Upon reviewing my XXXX, XXXX, and XXXX consumer reports, I observed that Bank of America has reported my transactions and experiences, particularly a late payment that you have posted on my consumer 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 explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: CA

Complaint narrative:
Upon reviewing my consumer report, I noticed that you have reported an account to all three major Consumer Reporting Agencies without my permission and without a permissible purpose. I was not informed of the option to opt out of having my information reported, and I am now exercising that right. I request that you remove this unauthorized account from my consumer report immediately.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USA Service Finance LLC
State: FL

Complaint narrative:
I have made attempts to get it resolved but the amount thats being reported isnt the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Central Portfolio Control Inc.
State: OH

Complaint narrative:
I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 

Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers.

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct.

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law.

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ATG Credit, LLC
State: OH

Complaint narrative:
I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ).

Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers.

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct.

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law.

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
CFPB Writeup : 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX XXXXOriginal Creditor : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX - XXXX XXXX | Account # 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 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.

These inaccuracies are stopping me from the ability to get new credit cards, to get a house for my family, to get a new car, etc.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am writing to address a serious matter related to the inaccurate and incorrect information being furnished by Mercedes Benz Financial to the consumer reporting agencies. This inaccurate reporting has caused significant harm to my character, reputation, overall well-being, and has negatively impacted my ability to obtain credit for personal and housing purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I am writing to express my dissatisfaction with the information you provided in response to my request for debt validation. As per my previous communication, I asked for proper verification of the alleged debt that you claim I owe. However, the documents you sent, including statements and signatures, do not adequately prove that this debt is valid and belongs to me.

I must remind you that under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) ( b ), you are required to provide verification of the debt in question. This includes providing a copy of the contract or agreement between the original creditor and myself, duly signed by all parties involved. The information you supplied does not meet this requirement and, as a result, fails to validate the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Elevate Recoveries, LLC
State: OH

Complaint narrative:
I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 
Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers.

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct.

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law.

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX Randolph Federal Credit Union Bank XXXXXXXX XXXX XXXX XXXX texas XXXX Subject : Formal Complaint Regarding Refusal to Close Account and Withhold Funds Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the services provided by Randolph Federal Credit Union Bank . Despite my numerous attempts to close my account and retrieve my funds, I have faced significant obstacles and delays, with no satisfactory explanation provided.

I have been a loyal customer of Randolph Federal Credit Union Bank for over three years, and during this time, I have encountered numerous instances of poor customer service and a lack of responsiveness. However, the current issue represents the pinnacle of my dissatisfaction with your institution. 

To provide some context, I requested the closure of my account on XX/XX/2020, and since then, I have been met with nothing but resistance and obfuscation. I have provided all the necessary documents and fulfilled all the requirements set forth by your bank to facilitate the account closure process. Despite this, my account remains active and my funds have not been released to me. 

Furthermore, I am deeply troubled by the fact that you have withheld a check in my account for an extended period without any valid explanation. This blatant disregard for my rights as an account holder is not only unethical but also potentially illegal. 

As a consumer, I have the right to close my account and access my funds in a timely manner. The extended delay in processing my request and the failure to provide any substantive explanation for these delays is unacceptable. I urge you to rectify this situation immediately and take the following actions : 1. Close my account promptly and without any further obstacles or delays.

2. Release all funds held in my account without any deductions or fees.

3. Provide a written explanation for the unreasonable delay in processing my request and withholding my funds.

4. Offer compensation for the inconvenience, stress, and financial losses I have endured as a result of your bank 's actions. 

Please note that if this matter is not resolved within a reasonable timeframe ( I suggest no more than 10 business days from the date of this letter ), I will be left with no choice but to escalate this complaint to the appropriate banking regulatory authorities and seek legal recourse to ensure the protection of my rights as a consumer. 

I expect a prompt and satisfactory resolution to this matter. I hope that we can resolve this dispute amicably and restore my faith in the services provided by your institution. 

Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to rectify this situation promptly. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation