vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 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: SC

Complaint narrative:
I would like XXXX XXXX TO REMOVE AND DELETE from all XXXX credit bureaus due to inaccurate information and releasing information without my consent. I noticed the following accounts had a discrepancy in the payment history section. These charged off accounts is reporting payment history each month when it should not since the accounts has been charged off. This is falsely manipulating the statute of limitations which is FRCA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please DELETE these item immediately and I have the right to privacy.

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 2023-08-05 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: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
There are two companies reporting my information outside of compliance of the XXXX XXXX. ( Privacy under consumer financial information ) They are furnishing accounts on my credit report and did not give me the disclosures under 15 USC 6802 ( b ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

They were supposed to give me all three before furnishing my account info on my credit report. They never gave me the option to " opt-out '' of having my information reported. I have confronted Bridgecrest with letters asking for proof in the contractual terms and agreement or disclosure information and they failed to do so. I was only sent a copy of a contract with only XXXX disclosure which was a truth in lending disclosure about finance charge. The contract did not have any disclosure statement as instructed to be given to consumers under the XXXX XXXX XXXX XXXX. They only sent me a contract and a paper saying that my account has been verified. They are sending me what they want to send me and not honoring my request with what I asked for about the information they were supposed to provide me with. They are reporting my personal information with their own agenda. This is dishonorable to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: PA

Complaint narrative:
The Credit Bureaus stated that my account was properly investigated but how can that be if the dates last active are incorrect, high credit amounts are incorrect, account status is incorrect, account numbers are incorrect, and response to where inquiries came from were left unanswered? These are all grounds for immediate removal from my credit reports as it has violated my rights under 15 U.S.C. 1681 section 602 A. I was seriously harmed because the Credit Bureaus continued to give out incomplete and inaccurate information after I requested corrections causing my XXXX XXXX to severely and negatively be affected. The Credit reporting agencies are negligent and willful noncompliance with the law are all exhibited here. XX/XX/2023 I have sent out disputes via U.S. Postal Service and have not received an explanation nor has any of these erroneous accounts been removed from my credit report. I have a legal right to pursue legal actions within 2 years after I have discovered the harmful behavior or within 5 years after the harmful behavior occurs or whatever is sooner. The Credit Bureaus has also taken more than 30 days to thoroughly complete their investigation.

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 2023-08-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The Credit Bureaus stated that my account was properly investigated but how can that be if the dates last active are incorrect, high credit amounts are incorrect, account status is incorrect, account numbers are incorrect, and response to where inquiries came from were left unanswered? These are all grounds for immediate removal from my credit reports as it has violated my rights under 15 U.S.C. 1681 section 602 A. I was seriously harmed because the Credit Bureaus continued to give out incomplete and inaccurate information after I requested corrections causing my credit score to severely and negatively be affected. The Credit reporting agencies are negligent and willful noncompliance with the law are all exhibited here. XX/XX/2023 I have sent out disputes via U.S. Postal Service and have not received an explanation nor has any of these erroneous accounts been removed from my credit report. I have a legal right to pursue legal actions within 2 years after I have discovered the harmful behavior or within 5 years after the harmful behavior occurs or whatever is sooner. The Credit Bureaus has also taken more than 30 days to thoroughly complete their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: EQUIFAX, INC.
State: IN

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: IN

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
XX/XX/2023. Ive had many loans at tower loan in XXXX mo. I fell upon hard times unfortunately and can not pay this one and believe me i feel horrible.i called to let them know my decision to file bankruptcy i guess the gal i talked to had me on speaker.Immediatly the manager got on the phone and let me have it. I couldn't get a word in he kept yelling at me I couldn't give him the attorney name and number that will be handling the bankruptcy nothing he wouldn't listen to me and continued ranting and making me feel like XXXX. I finally hung up on him I was in tears So today XXXX he calls my cell while I'm at work I didn't answer then 1 minute later calls the work phone. I'm pretty sure this harassment and is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: COMMERCE BANK
State: MO

Complaint narrative:
Sent letters to all three credit Bureaus and Commerce Bank but no actions nor response up yet, Unverified account and inquiries what do not belong to me are listed below is still reporting on my credit report which is a violation of Federal Law. The 3 Credit Bureaus failed to comply with the Federal Credit Reporting Act. I am sending this complaint to ask for your help to remove/update the concerned account listed below that I found inaccurate and unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
The company has not credited my account properly. I made a direct payment post judgment of {$1000.00} ( XXXX personal check # XXXX date XXXX and a XXXX $ postal money order ). They are not reporting this in a letter dated XXXX to me. And apparently the XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXXXXXX, Michigan. They've garnished my wages XXXX at XXXX for a total of XXXX ( minus garnishment fee of XXXX XXXX  ) = XXXX plus the {$1000.00} = {$3000.00} pd which extinguishes the court ordered {$2800.00}. 

Weber Olcese also place a real estate lien on my home. 

The remedy I seek is immediate termination of the garnishment and release of the real estate lien. And fines & license revocation of this debt collector. Re-training education on how to correctly, clearly and transparently communicate should be considered also. 

thank you!! 

XXXX XXXX " Our file '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: CA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-08-05 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: CA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Urgent Complaint : Cease Harassment and Remove Inaccurate Entry To the ones who love to harass me when I am taking care of my elderly mother, I am writing to formally address a highly distressing and persistent matter regarding the actions of Capio Partners. The relentless harassing phone calls, occurring at inconvenient times, have reached an intolerable level of annoyance. 

These calls, both in the early mornings and nearly at XXXX XXXX every day, have disrupted my daily life and caused substantial distress. The repeated demands for someone named XXXX XXXX, and the refusal to identify the caller, add to the aggravation. I have consistently conveyed that I am not XXXX XXXX, yet the calls persist. 

I want to assert, in no uncertain terms, that I do not owe Capio Partners any money. This assertion is grounded in the fact that I maintain appropriate medical insurance and diligently fulfill my medical bills. I have explicitly requested Capio Partners to substantiate their claims by providing the original agreements and pertinent documentation, but their response has been evasive and unhelpful. 

The culmination of this harassment, unsubstantiated claims, and unresponsiveness is adversely impacting my credit score and financial standing. This state of affairs is wholly unacceptable.

Resolution and Immediate Action Required : 1. **Cease Harassment** : I demand an immediate cessation of all harassing phone calls, ensuring that my privacy and peace are respected. 

2. **Inaccurate Entry Removal** : I request that the collection entry and delinquency attributed to me be promptly and permanently removed from all my credit reports. This erroneous entry is harming my creditworthiness and must be rectified. 

XXXX. **Cease All Communication** : I assert my rights under relevant legislation to be free from further communication from Capio Partners XXXX Any future contact will be considered a violation, and appropriate legal measures will be taken. 

I am deeply frustrated by the ordeal I have been subjected to, and I strongly urge Capio Partners to acknowledge the gravity of this situation. My intention is not to merely voice discontent but to secure tangible and necessary resolutions. 

Failure to take immediate action to address my concerns will leave me with no option but to escalate this matter further, which I genuinely hope can be avoided. 

Please ensure that this complaint is treated with the urgency and seriousness it deserves. I expect a swift resolution and your commitment to restoring my credit reports and financial well-being. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The information provided by XXXX has not provided accurate data in regards to a public record reporting on my consumer reports. 

XXXX is claiming only to be a furnisher providing information to consumer reporting agencies, however the information reported is grossly incorrect. The information submitted by XXXX shows a public record filing address as XXXX XXXX XXXX XXXX, MD XXXX. However my residency has never been in the town , county or jurisdiction of XXXX. The jurisdiction I resided in has always been XXXX XXXX. Proof of this jurisdiction and inaccuracy of the reporting is provided with several documents including jury duty records, XXXX drivers license, and Automobile Insurance. May this overwhelming evidence be sufficient to remove all filings from consumer reports and all parties XXXX may share without my permission or sole consent. XXXX has been provided all proof of identity as required including license, social security card and utility bill. This information was used to delay the investigation. As a sign of good faith I will provide these documents in this cfpb complaint to prevent further delay.

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 2023-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My Marcus saving account was locked on XX/XX/XXXXXXXX  when I tried to transfer money from Marcus to my XXXX account under my name. I have a total of XXXX in the saving account. It is not my responsibility to verify one of my financial institutions- when I link the XXXX account to Marcus or when I transfer money in Marcus, they have verified my identity. 

I tried to contact Marcus multiple times during the past one and a half month but until today, I still didn't receive any progress. 

I made my first phone call to Marcus on XX/XX/XXXX. They refused to tell me why my account is locked. On XX/XX/XXXX, I called Marcus, they refused to tell me why my account is locked. They said they would send the affidavit of identity ( the letter to verify my identity ) will be sent out in 5 business days. 

On XX/XX/XXXX, I called again, they said the affidavit of identity is pending approval, which may take 1-3 business days. 



I want to close my Marcus saving account and get my money back ASAP. I've been dealing with this issue with Marcus for 1.5 months now but received no progress. 

On XX/XX/XXXX, I called one more time, after letting me wait for 56 minutes in total, they said the letter is waiting the approval of support team, which will take 5 more business days. 

XX/XX/XXXX, Marcus said they still need 3 more business days to send me the identity verification letter. 
XX/XX/XXXX, They closed my complaint, and claimed that the letter was sent on XX/XX/XXXX, which contradicts to their previous claims on XX/XX/XXXX that the letter wasn't sent out. 

This is just the very first step to unlock my account, which already takes one and a half month. I don't think waiting will solve this issue. I want to get my money back and close the Marcus account permanently because of the experiences above. 
I have wasted 6 hours on phone but got no results. I need to pay my rent, credit cards, and medical bills. I also want {$500.00} compensation for all my financial, mental, and time loss during this one and half month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: NE

Complaint narrative:
Please update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference. Thank you for your attention to this matter.

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