vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Subject : Cease Unauthorized Credit Reporting : XXXX XXXX XXXX Texas XXXX XXXX, XXXX XXXXXXXX, I'm reaching out to address a grave issue : your unauthorized reporting of information to my credit report. This flies in the face of both federal and XXXX laws, including the Fair Credit Reporting Act ( FCRA ) and various sections of the XXXX XXXX XXXX, not to mention identity fraud statutes, such as Texas XXXX XXXX Section XXXX. 

It's become abundantly clear that XXXX XXXX has been reporting information without my explicit consent, a direct violation of federal law, as specified in FCRA Sections XXXX ( a ) ( XXXX ). Moreover, Texas state law, particularly Sections 392.301 and 392.305 of the XXXX XXXX XXXX, mandates consumer consent for such actions. And let 's not forget the seriousness of identity fraud laws in Texas, which emphasize the protection of personal information under Section XXXX of the Texas XXXX XXXX. 

I want to make it XXXX clear : I never gave XXXX  XXXX permission to report anything to my credit file. This lack of consent is a flagrant infringement of my rights, potentially damaging my credit and showing blatant disregard for both federal and state statutes. 

I demand, unequivocally, that XXXX XXXX cease any further reporting of my information without my explicit consent, as required by FCRA XXXX XXXX ( a ) ( XXXX ) and XXXX XXXX XXXX Sections XXXX and XXXX. Failure to comply within 30 days will be seen as deliberate noncompliance, subject to penalties under the law, including those related to identity fraud. 

Let me stress : obtaining consent isn't optionalit 's a legal mandate under federal and XXXX law. This isn't up for debate ; it's a straightforward demand for adherence to the law, safeguarding consumers like myself from unwarranted and harmful credit reporting. 

I expect immediate action from XXXX XXXX to rectify these violations and uphold my rights under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I have no product with XXXX and they keep calling me. I have told them to stop and remove my number from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: GA

Complaint narrative:
This will make the 3rd time asking XXXX XXXX and XXXX to remove this fraudulent items from my report. I never had any account with the following leanders XXXX XXXX XXXX XXXX/ XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX CXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Inquire : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>

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 2024-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC.
State: IA

Complaint narrative:
I reached out to my Mortgage provider ( XXXX XXXX ) and requested information on how to remove XXXX  from my loan. They informed me that i needed to reach XXXX  % of my loan to value ratio, or i could have my property reassessed and meet an XXXX  % Current value with XXXX. 

I paid for a reassessment {$XXXX}. They hired a person to complete the assessment and it came in {$XXXX} hirer than XXXX %. I paid {$XXXX} to meet the XXXX % requirement. after meeting this threshold i was informed that my improvement were not sufficient. I was informed by an agent on the phone that my improvements, which include a massive back patio, landscaping, and electrical work should qualify without a doubt. 

I requested a list from the lender of what is all considered " Approved '' improvements but have not received a response. I believe that the lender is intentionally denying my claim without sufficient explanation to force me to continue paying XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
ALLIED COLLECTION SERVICES XXXX XXXX XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {XXXX does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2024-04-30 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: TX

Complaint narrative:
I just now look at my report because I need to get a place for me and my family and I notice there is two collections on my file I don't know anything about them because I never used credit and from XXXX XXXX XXXX XXXX XXXX XXXX  please remove these items from my file 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 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
My XXXX  ( XXXX XXXX XXXX ) is now XXXX. He had an account with Chime ( acct # XXXX - Phone # XXXX ). I made contact XX/XX/24 with Chime using his phone number and last four of his social security #. The requested documentation was submitted via email on XX/XX/24. To date we have not had a response from Chime. Numerous calls have been made and all we are told is " you'll receive an email within XXXX  hours ''. After XXXX  weeks of this, we still are getting NOWHERE!!! The account # is XXXX as they will not share any information with us. 

He was found XXXX  and his phone and wallet were not found XXXX XXXX. Therefore his debit card has been missing since his XXXX. We still do have no idea if there were fraudulent charges made on the account because NO ONE WILL RESPOND OR ANSWER ANY QUESTIONS!! 

I am attaching copies of the documentation requested and provided to Chime  as well as screenshots of the email requesting documentation and receipt email of said documentation indicating a response within XXXX hours. To date, this was the last communication with them on this matter. All other phone calls have not yielded a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, I get in contact with Marcus by Goldman Sachs  as I couldn't seem to withdraw any money from the account. The reason why the fund was on hold was because my identity could not be verified. We ask for how to remedy it and they say to contact the " specialist ''. 

I have phone conversation numerous times to figure out how to withdraw money from the account. Marcus keep saying the issue is not being solved and that I have to call back in 3-5 business days. I did everything they told me to do, such as try changing the phone carrier ( which I did from XXXX XXXX to XXXX ), check with my primary bank to see all the information is updated including social security number ( Which I did with tri party conversation with Marcus, XXXX and myself ), and send in the Affidavit of Identity to their office ( which I did, but declined without any reasons provided ) I called in 18 times and the dates are the following regarding these matters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

The last conversation was on XX/XX/XXXX when they rejected the Affidavit of Identity without providing any reason for declining it. They mentioned to call back in 3-5 business days to seek next steps. Then I thought I should be reporting this case to CFPB so that other people do not get harmed by the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
The company XXXX made a claim on my credit again of late payments. 

First they stated on one Credit Report that I was 30 days late. Now they are stating on another that I was current up until XX/XX/XXXX. 
These are two completely differently claims that contradict one another. 
According to my complaint # XXXX they reported inaccurate information and has done so again on another credit agency. 

Furthermore I did not give this company written instructions to report to any agencies In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 states Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose. 

This needs to be removed from my credit report immediately as it is a violation of my rights and as well as inaccurate. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$XXXX} XX/XX/XXXX XXXX XXXXXXXX XXXX {$XXXX} XX/XX/XXXX XXXX XXXX XXXX {$XXXX} XX/XX/XXXX XXXX XXXX, XXXX XXXX A. XXXX I have the right to privacy. XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$XXXX} XX/XX/XXXX NTL XXXX XXXX {$XXXX} XX/XX/XXXX XXXX XXXX XXXX {$XXXX} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
On XX/XX/2021 I bought a XXXX XXXX from the company XXXX. I then paid this vehicle off a year later. The furnishing company ( XXXX ) sent me the title to the vehicle with their official company stamp and then reported the vehicle on my credit as Paid, closed. Then the same exact tradeline had now posted on my credit as Charged off. I have the title of the vehicle and have screenshoots of whats being reported on my credit file as well. This has now become an even BIGGER problem because I was recently offered an employment opportunity with XXXX XXXX, but they retracted my offer due to this charge off being listed on my credit report. Please help me have this removed immediately because I have now disputed this twice, and lost a great job opportunity which was going to help me provide for my family. I have emails from my job offer and why my offer was retracted, as well as my title of the vehicle, and the 2 separate reportings on my credit file.

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 2024-04-30 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: TX

Complaint narrative:
On XX/XX/2021 I bought a XXXX XXXX from the company XXXX. I then paid this vehicle off a year later. The furnishing company ( XXXX ) sent me the title to the vehicle with their official company stamp and then reported the vehicle on my credit as Paid, closed. Then the same exact tradeline had now posted on my credit as Charged off. I have the title of the vehicle and have screenshoots of whats being reported on my credit file as well. This has now become an even BIGGER problem because I was recently offered an employment opportunity with XXXXXXXX XXXX, but they retracted my offer due to this charge off being listed on my credit report. Please help me have this removed immediately because I have now disputed this twice, and lost a great job opportunity which was going to help me provide for my family. I have emails from my job offer and why my offer was retracted, as well as my title of the vehicle, and the XXXX separate reportings on my credit file.

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 2024-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against National Credit Systems for their egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to rectify this matter and seek validation of the reported debt, I have encountered flagrant disregard for consumer rights and substantial financial harm. 

On XX/XX/2023, I sent a demand for validation to National Credit Systems regarding a reported debt they claimed I owe. Despite this, on XX/XX/2023, they responded with a refusal to validate, failing to provide essential documentation, including a signed contract bearing my ink signature, records indicating when they received the debt, the contract with the original creditor, and the amount they paid for it. These actions not only violate the FCRA but also demonstrate their inability or unwillingness to comply with basic consumer protection provisions. 
Furthermore, National Credit Systems has been reporting this debt without my consent, a clear violation of FCRA Section 605B. Additionally, the reported debt is not legally enforceable in the state of Georgia, where I reside, as the statute of limitations on debts is XXXX years. Despite these legal constraints, they persist in reporting the debt, thereby perpetuating their unlawful actions. 

As a direct result of the fraudulent reporting by National Credit Systems, I have been unjustly denied access to credit opportunities for the past XXXX years. This includes the inability to secure financing for purchasing a home for my family, causing significant emotional distress and financial setbacks. 

Therefore, I am requesting compensation for the losses I have incurred due to the actions of National Credit Systems. I ask that this compensation align with the policies outlined by the Consumer Financial Protection Bureau for violations committed by credit collections.

Additionally, I request that National Credit Systems immediately cease all reporting efforts related to the disputed debt and remove all claims to report inaccurate information from my credit report to rectify the inaccuracies and prevent further harm to my financial standing.

Enclosed with this letter, you will find copies of all relevant correspondence, including receipts of my demand for validation and National Credit Systems ' refusal to validate, as well as any supporting documentation related to the disputed debt.

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take appropriate action to hold National Credit Systems accountable for their failure to ensure the accuracy and fairness of consumer credit reports.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
I just now look at my report because I need to get a place for me and my family and I notice there is two collections on my file I don't know anything about them because I never used credit and from XXXX to XXXX I was incarcerated please remove these items from my file : Account name THE XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccuracies in my credit report. Specifically, there is an account showing an outdated balance that should no longer be reporting, as well as an incorrect address and another individuals social security number attributed to my profile. Please investigate and correct these errors promptly. Thank you.

Company response to consumer: Closed with explanation