vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 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: VA

Complaint narrative:
I would like to dispute the following items off my credit report:


XXXX:     Previous Address(es): XXXX XXXX XXXX XXXX, VA XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  Previous Address(es): XXXX XXXX XXXX XXXX, VA XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX, VA XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX, VA XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX VA XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
Experian:  Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX   Previous Address(es): XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX  VA 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 2024-03-25 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:
Each time I attempt to transfer funds from Marcus to one of my linked and verified accounts they initially accept it but then stop it. The only contact they make is via phone but because of spam calls I do not receive them. For an online bank I do not understand why they dont provide digital ( email or text ) notifications. 
I called and went through the process a few weeks back but they prevented another transfer. When I just called they could not assist because the department is closed. They call out how they are available 24/7. Clearly they are not. Everyone I speak to is nice but theyre not empowered they way Id expect to handle what is a basic and unnecessary issue. I have similar online accounts at 4 other banks and have never experienced these kinds of issues and delays with simple online transfers of my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The accounts under the names of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any 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 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
CREDITOR HAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. 
I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. 
IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.

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 2024-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XXXX received a returned item ( a mobile internet service intended for rural use, well within the 30 day trial period. It did not work at all due to no service available in our area. Their promotion was 30 days no contract to insure it worked. They have not only agreed and acknowledged that they canceled and accepted the returned equipment but did not cancel the service but they called this a buyers remorse issue and never pushed back. They are just unwilling to complete the proper admin work to remedy the issue. 
The original and erroneous bill was {$400.00} and upon bringing this to the attention of XXXX it was said to be removed from collections, however Amsher Collections and the XXXX XXXX XXXX XXXXXXXX XXXX refuse to remove some unknown and fictitious remaining {$63.00}. I have made no payment and refuse to do so. So the reduction is perplexing at best. 

XXXX called with me on the line and Amsher collections and. The XXXX XXXX XXXX XXXXXXXX XXXX refused to speak to them and would only speak to me. It was then that I was hung up on and told in extremely unprofessional terms the only way to resolve is to pay. At one point the rude employee laughed at me. 

From where I stand, Amsher Collections, XXXX XXXX, and XXXX and the credit bureaus have damaged my credit and are all complicit in their Deceptive Trade Practices, false credit reporting, and in their attempts to extort money by making paying easier than dealing with the headache of unwinding their mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to you regarding an issue with a collection account that appears on my credit report, which is being managed by your agency, ProCollect Inc. The purpose of this correspondence is to formally request the removal of this collection account in accordance with the provisions outlined in the Credit Consumer Protection Act. 

According to my credit report, there is a collection account listed under the name of XXXX XXXX, the date of first delinquency XX/XX/year>. I understand that under the Credit Consumer Protection Act, consumers have certain rights and protections, including the right to dispute inaccurate or incomplete information on their credit reports. 

Upon reviewing my records, I have reason to believe that there are discrepancies in the information pertaining to this collection account. I respectfully request that you provide me with all pertinent details regarding this account, including but not limited to : Validation of the debt, including the original creditor, the amount owed, and any supporting documentation. 
Verification that ProCollect Inc. is authorized to collect this debt on behalf of the original creditor.

Confirmation that the reporting of this collection account complies with all applicable laws and regulations, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Furthermore, I would like to emphasize that if it is determined that any aspect of this collection account is inaccurate, incomplete, or unverifiable, I insist that it be promptly removed from my credit report. I am fully aware of my rights as a consumer under the Credit Consumer Protection Act, and I am prepared to take any necessary legal action to ensure that those rights are upheld. 

I kindly request that you provide a written response to this letter within 30 days of your receipt, as required by law. Additionally, please be advised that failure to comply with the provisions of the Credit Consumer Protection Act may result in further legal action being taken against your agency. 

Thank you for your attention to this matter. I trust that you will handle this request with the utmost diligence and professionalism. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above. 

Sincerely,

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 2024-03-24 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
[ WELLS FARGO BANK NA ] [ XXXX XXXX XXXX, XXXX XXXX, California, XXXX ] IN REGARDS TO Account number XXXX, I am writing to bring to your attention a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). It has recently come to my attention that your institution has erroneously included information regarding my line of credit utilization which depicts my experience with your Financial Institution in my consumer report with all consumer reporting agencies including [ XXXX, XXXX, XXXX ]. 
In accordance with 15 U.S. Code 1681a, The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As per the FCRA regulations, transaction and experience information related to a line of credit with a financial institution should not be reported to consumer reporting agencies. However, I have discovered that my utilization of the line of credit with your institution has been reported adversely affecting my consumer report. 

I demand that you take immediate action to rectify this violation by updating the utilization reported to consumer reporting agencies to reflect 5 % or below, or alternatively, delete the utilization information altogether. Failure to comply with this demand within [ 10 Business days ] will result in legal action to enforce my rights under the FCRA. 

Please be advised that under the FCRA, consumers have the right to accurate and fair credit reporting. Any failure on your part to correct this matter may result in severe consequences, including but not limited to statutory damages, punitive damages, attorney fees, and injunctive relief as provided for under the law. 

I trust that you will take immediate action to rectify this violation, prevent any further harm to my credit standing, and continue our nonpublic transaction and experience. I expect a response from your institution confirming the corrective measures taken within the specified timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-03-25 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to address the ongoing issue regarding a late open account on my credit report despite multiple attempts to correct it. This marks my fifth formal attempt to rectify this matter, which remains unresolved despite previous assurances and efforts. 

As previously communicated, the presence of this late open account inaccurately reflects upon my creditworthiness and financial responsibility. Despite my diligent efforts to provide documentation and evidence supporting the erroneous nature of this entry, it continues to persist, casting a shadow over my credit profile. 

I demand immediate action to rectify this discrepancy and remove the late open account from my credit file. It is imperative that your team conducts a thorough review of the documentation provided and takes decisive steps to correct this error without further delay. 

Failure to address this issue promptly and effectively will leave me with no choice but to escalate this matter through appropriate channels, including regulatory authorities and legal avenues. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX Balance : {$0.00}.

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 2024-03-25 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to address the ongoing issue regarding a late open account on my credit report despite multiple attempts to correct it. This marks my fifth formal attempt to rectify this matter, which remains unresolved despite previous assurances and efforts. 

As previously communicated, the presence of this late open account inaccurately reflects upon my creditworthiness and financial responsibility. Despite my diligent efforts to provide documentation and evidence supporting the erroneous nature of this entry, it continues to persist, casting a shadow over my credit profile. 

I demand immediate action to rectify this discrepancy and remove the late open account from my credit file. It is imperative that your team conducts a thorough review of the documentation provided and takes decisive steps to correct this error without further delay. 

Failure to address this issue promptly and effectively will leave me with no choice but to escalate this matter through appropriate channels, including regulatory authorities and legal avenues. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They never removed incorrect information even though I sent copy of ID and utility bill

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 2024-03-24 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: MA

Complaint narrative:
I recently ordered my credit report to review, that's when I noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint, on the following dates ( XX/XX/2023 and XX/XX/2023 ). I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
in according with the fair credit reporting act the list of accounts has violated my federal protected consumers rights to privacyand confidentiallity under 15 USC 1681.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I spent hours attempting to get my free annual credit report and can not verify my identity through Experian. XXXX  I tried their app multiple times uploading my documents and my selfie per their request and each time they stated that they could not verify my identity. Then I tried to do it via their website. I attempted multiple times. XXXX  I uploaded the requested documents and received a message back requesting that the formats not be in XXXX. Knowing that when you photograph your documents XXXX is the format they are in. Even the IRS accepted documents in this format. So I changed the documents to a XXXX format that they requested and submitted again. I then got a message back saying that the combined files were too large. I was only submitting the documents they requested. If they are requesting that many documents you should be able to upload them without it being too large. So I finally got them to go in the required size then I was informed that they were in color and could not be in color. It sounds to me like they just don't want to release the free credit report as I am entitled to and want me to sign up to pay their service for monitoring. I am an XXXX XXXX XXXX that is starting out. I have some concerns because of my calls with the IRS about things that are not appropriate being on my credit report. I can not verify if their are inappropriate items on my credit report because experian won't allow me that report as I am entitled. When I get an the annualreporting website, experian is the first site that comes up so if they won't let you verify you can't get your report from any other credit reporting agency either. Since access to this report is required by law, they should be required to furnish it upon me verifying my identity instead of making multiple tedious reasons why they won't accept the documents that I have provided to them.

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 2024-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am a victim of XXXX  XXXX since XXXX. I was finally freed of this man and the men that XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. My husband XXXX XXXX XXXX was found guilty and sentence to 5 years for having a XXXX and pointing to my head. He manipulated me, had complete control of our finances. After fleeing to WV I was followed and my handlers found new men and woman to recruit. I was XXXX by a man XXXX XXXX in XXXX of XXXX. My credit was used and inquiries as well as collections began to show that were simply out of my control. My entire life was hacked stolen and slandered. I am XXXX protected through HUD housing and recently was denied of emergency housing for an apt called XXXX XXXX in XXXX to which was given my paperwork and all documents of the act and police reports of the incident that had prior happened to me along with the protective orders they still deny me based of a collection that was not mine, even after giving them the paperwork and explain to them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!

Company response to consumer: Closed with non-monetary relief