vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: FL

Complaint narrative:
Dear CFPB, My name is XXXX XXXX XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from XXXX XXXX and XXXX XXXX XXXX. and it is showing on my credit report without my consent. I have no contract with XXXX XXXX nor XXXX XXXX XXXX. and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX XXXXo ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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:
Dear CFPB, My name is XXXX XXXX XXXX XXXX and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from XXXX XXXX XXXX XXXX XXXX XXXX. and it is showing on my credit report without my consent. I have no contract with XXXX XXXX XXXX XXXX XXXX XXXX and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, 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 2024-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
XXXX  online savings accounts were frozen early in XX/XX/2024 which caused a payment to fail to complete with my XXXX  so XXXX  is charging XXXX fees which total {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: WA

Complaint narrative:
I attempted to send {$100.00} to my brother in XXXX through Remitly on XX/XX/. Ive done it before and the transfer has always been completed instantly. However, it was the case for this time. After a few days, I called Remitly and they assured me that they are contacting the XXXX XXXX and the money will be delivered soon. However, after 2 weeks, the fund is still missing and my brother never got the money. I called Remitly then to cancel the transaction and refund me the amount. They told me the have started the cancellation process and the refund would be sent soon. But again, day after day, I never got my refund back and Ive called them multiple times to check the status but they kept telling me the same thing that they have escalated the case and that they would contact me within 24 hours but they never reached out to me. They also told me that they have been emailing the XXXX XXXX to issue the cancellation but the problem is that my brother in XXXX went to the bank and explained to them but the XXXXXXXX XXXX assured that they did not receive any money or emails from Remitly regarding this customer. Essentially, I do not know when I will receive my refund and I cant take another lie from Remitly anymore of reaching out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On or about XX/XX/year> my Retirment CD  was changed to an XXXX plan. I was not advised via mail or via a telephone call that it was renewed for five years at a very low rate, without my permission. Should I withdrawn my funds from the annuity I was advised by the bank that I would incurr more than {$7000.00} in penalties. 

When I was transferred to the Manager who was involved in charging this penalty he was rude and his explanation literally made no sense. When I told him I did not receive notice that the annuity would be renewed, his response was that they did provide me with notice of renewal. 

It must be stated that I never received noitce of the renewal. No one contacted me about what occurred. I know one employee at the bank is aware that it waw not fair to me, aned that I did not receive notice. If she speaks out in my favor they will terminate her. 

Please help me. kINDLY REVIEW THE DOWNLOAD OF DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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:
XXXX XXXX has an erroneous charge off my my credit reports, specifically TransUnion. 
I've been a member confirmed in writing for 6 consecutive years on auto-pay. I was never late one day ever as my account was always set on auto-pay. This was confirmed in writing again by XXXX XXXX. My account was closed on XX/XX/2023 as I moved out of state. I also submitted the recieipts of the wifi internet rental boxes and they also confirmed as recieved and yet they have this erroneous charge off showing on my credit report. 

I've attached proof of returning their equipment in good working order just as I recieved them. 

As also an XXXX, I will be filing a lawsuit against both TransUnion AND XXXX XXXX unless this charge off gets removed from my credit reports within 30 days of this notice as tis is causing financial harm. 

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Subject : Inaccessibility of TransUnion Website for Credit Report and Dispute, Seeking Redress On XXXX, I encountered severe issues attempting to log in to the TransUnion website to access my credit report and dispute a collections account. This problem persisted despite a successful attempt through other bureaus. The websites inaccessibility, as reported by various XXXX  comments, has been a persistent concern over an extended period. 

This disruption specifically affected my ability to utilize the free credit report and dispute tool, while access to paid features remained unaffected. This situation raises concerns about the accessibility and functionality of critical consumer services provided by TransUnion. 

I believe this incident may be in violation of consumer protection laws, as it hinders my right to access and dispute information crucial to my financial well-being. Seeking redress, I request a thorough investigation into this matter and appropriate monetary relief in accordance with applicable laws. 

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 explanation
Consumer complaint received 2024-01-25 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: GA

Complaint narrative:
A bankruptcy has shown upon the consumer report, Experian, XXXX XXXX XXXX currently is reporting information without consent of the consumer. when question, each entity stated " it is public information & consumer needs to contact company that furnished information. '' The courts presented a letter stating " NO XXXX XXXX REPORT ANY INFORMATION TO CREDIT AGENCIES. '' The information STILL remains on consumer 's report & agencies refuse to remove.

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 2024-01-25 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-25 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: GA

Complaint narrative:
15 U.S. Code 1681c2 says A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than four business days after the date of receipt of the letter You are violation of the law because Im a victim of identity theft, delete the item below immediately Account : XXXX XXXX XXXX collection consultants Original creditor : XXXX XXXX XXXX XXXX open date : XX/XX/year>XXXX  balance reported : {$8900.00} the account should not be furnished on my consumer report as they are in violation of 15 U.S. Code 1681b permissible purposes of consumer reports, which says in general subject to subsection C, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : in accordance with written instructions of the consumer, to whom it relates I never gave any consumer reporting agency written consent to report anything on my consumer report, which violates my rights as a federal protected consumer no consent is identity theft as a consumer. I am demanding the deletion of the account below immediately. 

Account : XXXX XXXX XXXX collection consultants Original creditor : XXXX XXXX XXXX XXXX open date : XX/XX/year> balance reported : {$8900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fig Tech Inc.
State: TX

Complaint narrative:
See previous claim. I disputed the charged off account. Their response was that the acct was not charged off, but it has been indicated as charged off AND written off via my consumer report. The consumer credit report does not equal the companys response. In addition, as a result of the dispute the payment history was updated to past due over 30 days ( currently ), tarnishing my credit worthiness more. 
This is yet another violation. It was charged off-written off more than over a year ago. 
I am adding XXXX XXXX to this claim as they reported the same ( past due ) and its been written off, charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: IL

Complaint narrative:
On XX/XX/24, I received an email notification from XXXX XXXX. It contained information about a creditor assigned and a debt owed. Confused, I checked my account, and noticed that there was a creditor/collections assigned to my account. I googled the collections agency information, and I found out that it has a connection to XXXX. Since it was around XXXX, I could not contact the creditor directly ; so instead I called XXXX. On the same day of the XXXX XXXX email, I called XXXX. The agent told me that he could not find me on their system ( he checked through my social security # and checked my wife 's as well ). He then made a comment about a phone line, and I told him that I never opened one with XXXX He then told me that I should call the collections agency assigned so I could open a identity theft issue. The XXXX rep gave me the direct line for the collections agency. I called the next day, and I spoke to XXXX. He looked me up, and found out that somone bought an XXXX. He also made a reference to North Carolina. He told me that the person ( s ) used my social security, date of birth, and a false XXXX  and home address. He told me that he would put notice on their end of identity theft. He then provided me information like account # 's and the proper steps to fix the identity theft issue ( like file a police report, XXXX package, etc ). Since finding out on XX/XX/24, I have filed a police report with the XXXX Police Department and contacted XXXX and its creditors directly.

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 2024-01-25 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: GA

Complaint narrative:
XX/XX/year> my car loan was official paid off and was not reported as paid off to the credit bureaus. I did dispute with bureaus showing proof that this was paid in full and reported information by XXXX was inaccurate information, but dispute results still come back as verified and accurate.

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 2024-01-25 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: GA

Complaint narrative:
XX/XX/year> my car loan was official paid off and was not reported as paid off to the credit bureaus. I did dispute with bureaus showing proof that this was paid in full and reported information by XXXX was inaccurate information, but dispute results still come back as verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: GA

Complaint narrative:
XX/XX/2024 my car loan was official paid off and was not reported as paid off to the credit bureaus. I did dispute with bureaus showing proof that this was paid in full and reported information by XXXX was inaccurate information, but dispute results still come back as verified and accurate.

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 2024-01-25 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I submitted documents the debt doesnt belong to me. I have never lived at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I have been contacted by Vance Huffman on several occasions, each time they call I ask them to provide proof in writing that the debt they are trying to collect is mine. Each time I get we sent an email, I have checked my email accounts and I have never received an email. I asked them to send it to my address on file and they refused. They are currently reporting thus collection to my XXXX and XXXX credit reports and I havent received anything proving that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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:
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 2024-01-25 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: Experian Information Solutions Inc.
State: TX

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 2024-01-25 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: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The Apple Credit Card has violated my rights Under 15 USC 1681 Section 6O2 states I have the right to privacy 15 USC 1681 Section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USACS 1666B A creditor may not treat a payment on an credit card under an open-end as late for any purpose.

Company response to consumer: Closed with explanation