vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint because a credit reporting agency failed to block information in my credit report that resulted from identity theft, as required by FCRA 605B. I submitted the necessary documentation, but the agency did not block the fraudulent information within the 4 business days required by law. ''

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 2024-09-29 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: OH

Complaint narrative:
I am submitting this urgent complaint regarding TransUnion 's blatant violation of my rights under both the Fair Credit Reporting Act ( FCRA ) Section 605 ( c ) and the XXXX XXXX Repair Act ( DBRA ), H.R. 2332. As a victim of XXXX XXXX I am entitled under federal law to have any adverse items linked to this experience removed from my credit report. Despite providing this notification to TransUnion, they have failed to comply with the legal obligations mandated by these laws, causing significant and ongoing harm to my creditworthiness. 

Violations Committed by TransUnion : Failure to Remove Adverse Items in Violation of FCRA Section 605 ( c ) : Section 605 ( c ) of the FCRA explicitly mandates that consumer reporting agencies, such as TransUnion, remove adverse information related to XXXX  upon notification. TransUnion has failed to remove multiple adverse accounts that are linked to my XXXX  XXXX  experience, in direct violation of this provision. 

Violation of the XXXX XXXX XXXX XXXX ( XXXX ), XXXX. XXXX : The XXXX, passed as part of the National Defense Authorization Act of 2022, prohibits XXXX XXXX XXXX from reporting adverse information resulting from XXXX. TransUnion has continued to report such information, ignoring the protections this law grants to survivors. As a XXXX  survivor, I am entitled to self-identify the adverse information that resulted from my XXXX  experience, and TransUnion has disregarded these protections.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX XXXX number XXXX ( CLOSED ACCOUNT ) payments late year 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 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I bank with PNC I had disputed two charges made to XXXX on XX/XX/year> for XXXX and XXXX XXXX they said the response was in the mail 15 days ago and I filed the dispute on XXXX said it would take up to ten days. To date nothing but rudeness and ignorance. I was going to open a policy with XXXX but found the premium was outrageous so I canceled within the 30-day grace period as the agent told me but continued to withdraw the downpayment and the first month 's payments of XXXX and XXXX made my checking account go crazy and just recently they charged me XXXX for an expedited Debit card without getting the permission from me then when confronted they called me a liar embarrassed me and I will be changing banks as soon as these issues are resolved. I think a lot of their practices with customer service should be investigated Thank you for your time in this matter XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: TX

Complaint narrative:
On or around XXXX I have been having on going problems with making purchases I have reach out to both Card Member Services in XXXX XXXX XXXX in they both have failed o adress the following issues even after filing a former complaint with 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 monetary relief
Consumer complaint received 2024-09-29 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 received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - REMOVAL OF CHARGE OFF Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy. 
After reviewing my credit reports I noticed that you are alleging that the above-mentioned account is negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks for the following account : XXXX XXXX XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. This is a deprivation of my rights and a violation of my privacy, as well. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide me with concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Dear FTC and CFPB, I am writing to file a complaint against CREDENCE RESOURCE MANAGE. I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

The collection agency has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ), but they have placed a collection on my consumer report. I have been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). 

The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any/all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1661-52 ( 7 ) ( A ). 

I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: TN

Complaint narrative:
On XXXX, XX/XX/year>, I received a notification that an unauthorized charge was made using my account in the amount of {$1000.00} to XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX ). I did not make this payment nor have I been to TX. I also accrued three {$20.00} overdraft charges which caused my account to be - {$100.00}. I called my XXXX  ( XXXX ) and filed a dispute as well as canceled the card. I also contacted my local police department ( XXXX  ) and submitted a complaint. The complaint was rejected and I was told to file a complaint with the FBI due to the interstate fraud. I then filed a report with the FBIXXXX

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 2024-09-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
I was contacted by XXXX XXXX XXXX  The woman on the phone began yelling at me immediately stating I owed a debt. She then hung up me after saying they had been attempting to collect money owed to Zoca loans. This was the first phone call they had made to me. 

The debt is now on my credit report. There are also 2 collection companies trying to collect on the same debt.

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 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I purchased piece of furniture from a furniture store in XXXX, XXXX  for {$1300.00} including taxes in XX/XX/year> using my Apple Card. After having the item in my home, I discovered that it was infested with wood-boring beetles. 

The seller subsequently accepted the return of the piece but refused to cancel the charge, citing an internal all sales are final policy. I disputed this charge to Apple, noting that they are asking me to pay for an item that I do not have, and further noting that the furniture piece failed the implied warranty of fitness test. 

On repeated instances over the last year, Apple has returned a ruling against me with no explanation about why they have thus ruled and added the charge back to my statement. Following these rulings, I have contacted Apple and asked for any information about what further documentation or information they would need. They have then repeatedly returned only a form letter requesting things like a second opinion about the piece ( which is not in my possession ) and then finally ruled against me again. 

This cycle has continued over and over. I have searched in vain for any way to escalate the problem within Apple to get someone to explain what they need, and to explain how they could expect me to pay for an item which I do not have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-29 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: GA

Complaint narrative:
I am filing a complaint because a credit reporting agency failed to block information in my credit report that resulted from identity theft, as required by FCRA 605B. I submitted the necessary documentation, but the agency did not block the fraudulent information within the 4 business days required by law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I have a checking account at PNC Bank XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX I am currently in 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  and can not be left alone. I went to the supermarket to buy food with my debit card ( over {$250.00} in my checking account ) and my card was denied. I immediately called the bank from the supermarket to find that not only did they disable my Debit Card but they said that as of XX/XX/XXXX my account was scheduled to be closed. When I stressed surprise, they said a letter had been mailed to my home address, upon which time I reminded them that I had been in XXXX taking care of my son. I have {$2.00} in my pocket, rely on my debit card to make purchases, and on XX/XX/XXXX my Social Security check will be automatically deposited into this same checking account. I have no gas, no money for food and can not even return to XXXX without funding. My son just opened a new business, is ineligible for unemployment or sick pay. His wife works but her salary doesn't even cover their mortgage. I tried to XXXX funds from my account to my daughter-in-law ( wife of my son who is injured ) and they blocked that too! There isn't a PNC location within 70 miles of where my son lives on XXXX XXXX XXXX XXXX My question is this : If they account is not being closed until XX/XX/XXXX and there's no PNC Bank with a location less than 70 miles away ( I can not leave my son alone for a round trip of that distance ), how am I supposed to eat, get gas for my car and return home to NC if they are holding my money hostage? This is cruel and unjust and something needs to be done! I am helping feed my son and his family while I'm here because he has no salary coming in. I am XXXX XXXX XXXX and XXXX and this is harassment! Why are they blocking access to funds that are rightfully mine? PLEASE HELP ME. I CAN NOT WAIT 2 WEEKS FOR ASSISTANCE! My son has XXXX XXXX XXXX this week and I only have 1/4 tank of gas.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: AZ

Complaint narrative:
On XX/XX/year> I pulled my credit file from Experian with a report number of XXXX and located two closed accounts ; XXXX  XXXX, and XXXX XXXX which have been obtained and are currently being furnished in direct violation of 15 U.S.C. 6802 ( b ) in addition to being in violation of FCRA U.S.C. 1681i, 15 U.S.C. 1681s-2 ( a ) ( 2 ), and FDCPA 15 U.S.C. 1692 et seq. 

I went online and opened a dispute with Experian through XXXX on XX/XX/year> to which I have a notification online in my Experian notifications section stating my disputes were submitted on XX/XX/year> listing a report number of XXXX showing identical dates and information for both disputes. 

On XX/XX/year> I received notification from Experian that my disputes have been updated. 

One notification displays an updated remark stating " The incorrect account with XXXXthat starts with XXXX has not been changed and will remain on your credit report ''. That notification goes on to display a report number of XXXX. 

The next notification displays an updated remark stating " The incorrect account with XXXXthat starts with XXXX has not been changed and will remain on your credit report ''. That notification goes on to display a report number of 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 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have reviewed my credit report, I've noticed Discover bank submitted a charge off on my credit report. It has decrease my credit rating. I have called the customer service to dispute such issue. The customer service informed me they no longer have access to my file, they have sold it to another agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Velocity Portfolio Group
State: AL

Complaint narrative:
Received a smalls claims summons from a process server from a Debt Collector Velocity Investments , LLC on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Supposedly I took out out close to {$5000.00} on XX/XX/XXXX, but that is impossible as my father was sick and I was on my way to Ohio to see him and he died XX/XX/XXXX. Needless to say I was distraught and couldn't have tried to take out a loan at that time. I have never heard of this company and feel that I am a victim of fraud.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A gentleman came in, he informed my parents he was looking for me. He told them if I did not pay the debt, I would go to jail. My parents were fearful of this illegal tactic, they cried the whole day. 
I need an apology from the debt collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I open a Venmo account and used it, on XX/XX/year>, to make a transaction in the amount of {$10.00}. That transaction was made and everything was fine. The next day I received {$20.00} from the same company and tried to withdraw funds and my account was frozen. I received emails saying I was suspended for unusual activity, and to provide photos of State ID ( identification ). I provided the document they needed. The transaction was also made from a trusted phone, same WiFi I always use, and same business I made a transaction to the day prior. Im not able to withdraw, add, transfer any funds. Im also blocked from using debit card. I understand the account limitations if they suspect unusual activity, but its not unusual or suspicious. I need my money asap for emergency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX did no ask me first to report my rent to credit bureau and the correct amount was not accurate, XXXX on XXXX XXXX so I do not pay the amount that is on credit report I did not authorize this to be done I was not asked this is not right. Theyve als lied and made themselves a credit bureau of their own outside of the government agencies rent manipulation is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The situation that happened was on XX/XX/year> I purchased a product from XXXX for {$100.00}, the clerk said the register was having a malfunction and that we would have to check out a different register. At the XXXX register I unbeknownst was charged an additional {$100.00}. Being that I was double charged I filed a dispute to receive the money back. The dispute was created on XX/XX/year>. However, this dispute lead to a remark on my credit card that lead to my credit score dropping XXXX points effectively destroying my credit. The remark added onto my credit report was Consumer disputes this account information. That note dropped my score XXXX points. The dispute has been completed in my favor from my bank. However, Equifax has not restored my credit back to its original state. I kindly ask for my credit score to be corrected or updated and the note removed from my credit. Filing a dispute for being double charged is not a reasonable explanation for destroying my credit when the double charge was not my fault. My dispute number with XXXX XXXX XXXX XXXX was XXXX.

Company response to consumer: Closed with explanation