vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to bring to your attention that the XXXX account opened on XX/XX/2021, which reflects {$1600.00}, is fraudulent and negatively impacting my credit report. Despite my previous attempts to dispute and resolve this matter by calling, no action has been taken. Upon discovering the fraudulent activity, I took immediate steps and reported my stolen identity, placing a fraud alert on my account on XX/XX/2021. 

The negative reporting of this account is causing significant hindrance for me and my child in securing an apartment, and we are now facing the possibility of homelessness. Adding to my distress, I am currently XXXX XXXX XXXX. In light of the circumstances, I urgently request that this negative account be removed from my credit report without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out to request the immediate deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not included in my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that you take the necessary steps to delete and eliminate these accounts and information from my consumer report without delay, as their inclusion is in violation of multiple laws. Kindly remove these accounts and information promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion and XXXX XXXX has failed to verify the the debt owed to the collection Account # XXXX Under U.S.C Fair Debt Collection Practices Act 15 usc 1692 and Fair credit billing Act 1666 Tennessee XXXX XXXX XXXXXXXX XXXX & Transunion has failed to respond also failed to verify this account ATTACHMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
International wire sent by me from my business account. 
Funds were not forwarded to the designated beneficiary. 
PNC advised they are still holding my funds but refuse to release to me. 

Please ask them to return my funds to my account. 

Their failure to timely do so is costing my company {$49000.00} per day so time is of the essence. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out to request the immediate deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not included in my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that you take the necessary steps to delete and eliminate these accounts and information from my consumer report without delay, as their inclusion is in violation of multiple laws. Kindly remove these accounts and information promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A debt collector called " XXXX XXXX '' has placed a debt on my Transunion report for {$670.00} that is not mine, The originator of this debt was XXXX XXXX XXXX XXXX XXXX I have never had any dealings with this organization. Seemingly this nonsense just keeps happening. There is a person in the XXXX XXXX area who uses my exact name. This may be another debt incurred by this individual. I am sick and tired of this nonsense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I have been on a waiting list with a dog breeder ( XXXX ) since XX/XX/2023, with a {$500.00} deposit ( confirmed received by the breeder ). I know XXXX, and she is known in the US as she travels to dog shows, posts her dog 's showings, and has been registered as a breeder of merit with the XXXX for a long time. 

Someone gained access to the XXXX 's email, and on XX/XX/XXXX when puppies were available, the intruder continued a conversation I had been having with XXXX, relaying that puppies were available, when I could have them brought to me, and requesting payment. The payment request details were altered to the intruder 's address. Since this was a big purchase ( a total of {$3000.00} ), I phoned up XXXX and confirmed all details about the dog, plans to send the dog to me, and how much she was asking for. Since she confirmed all those details to me, I felt secure in sending, and sent the first third ( {$1000.00} ) via XXXX. USAA states that XXXX is only for sending payments to people you know ( they used a dog walker as an example ), but since I do know XXXX I felt secure in going through. 

Right after that payment, I texted the payment receipt to XXXX, and she immediately told me that the XXXX address was not hers. I immediately called USAA to stop the payment. The USAA representative I spoke to told me that I would be credited the {$1000.00} while an investigation was opened, and if the investigation confirmed the details I had provided then the money would remain with me. 

XXXX and I spent the next few days working together to identify what happened with her email- the end result was her service provider told her she had been hacked and that someone had used it to commit fraud upon several of her customers. 

A few days later ( XX/XX/XXXX ), upon more research of how to handle this issue, I filed a police report of fraud with XXXX XXXX XXXX XXXX Police. They told me that since USAA was investigating the fraud, they would not. 

The following Monday, I called USAA to see the status of the investigation, since I had not been credited the $ XXXX as I had been told to expect. They told me that the investigation was still ongoing. I have not received any requests for information from USAA since my initial call immediately after the payment. 

Today, XX/XX/XXXX, I received notification from USAA that they closed the investigation and would not be helping me to recover the money. They found that the money had been sent to the intended recipient. They will not help me to recover the money I lost to the fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : CASE FILE - XXXX Warning to remove items from my Credit File To whom it may concern, I have previously disputed CASE FILE - XXXX with you and WITH NO response, you have not verified the item as correct, accurate or factual. My credit report reflects this information has been verified and provided to the credit bureaus willingly by the court - that is a lie. The XXXX courts do not provide information to the credit bureaus. This is CLEARLY stated in the link provided below. 

UNLESS you can provide me with written confirmation that the above mentioned court district has manually verified this information as it shows on my credit report, this is false reporting and NOT LEGAL. This does NOT comply with FCRA 611 ( 15 U.S.C. 1681I ) and it must be deleted IMMEDIATELY. 

Please reference for proof of this violation and false reporting : https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I DEMAND DELETION OF THIS REPORTING IMMEDIATELY AS THIS IS IN VIOLATION OF FCRA - 611 ( 15 USC & 1681I ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention a serious violation of my consumer rights by SANTANDER CONSUMER USA. I have recently discovered that SANTANDER CONSUMER USA have reported a late payment on the above account number to the consumer report without my consent. This has had a negative impact on my credit score and has caused me great inconvenience. This is a clear violation of several laws that protect my privacy and financial information, including 15 USC 6802, 15 USC 6802A, 15 USC 6801, 15 USC 1681 and Privacy Act. Under these laws, financial institutions are required to obtain explicit consent from their customers before sharing any personal or financial information with third parties, such as credit reporting agencies. By reporting a late payment on my consumer report without my consent, your institution has violated my right to privacy and control over my personal information. 
Furthermore, I have reason to believe that SANTANDER CONSUMER USA has also violated my privacy rights by reporting my personal information to third-party credit reporting agencies such as XXXX, XXXX, and XXXX without my explicit consent. As a customer of SANTANDER CONSUMER USA, I have the right to be notified of any negative information that is being reported to credit reporting agencies. I also have the right to control the dissemination of my personal information and to ensure that it is only shared with authorized parties. 

I demand that SANTANDER CONSUMER USA rectify this issue immediately by removing the alleged late payment from my consumer report within 5 days upon receipt of this notice and providing me with a written explanation of the steps you have taken to address this issue. I urge you to take immediate action to rectify this issue and ensure that your institution follows all applicable laws and regulations. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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:
I'm reaching out to you because I've had a terrible experience with Marcus, and I hope you can help me resolve this issue and get the compensation I deserve. 

I've been a Marcus customer for years, and I thought everything was fine until recently. It turns out Marcus has a major flaw that many others have complained about -- it's nearly impossible to get your money out when you need it. Whether it's through ACH transfers or wire transfers, you're left without access to your own savings account for days or even weeks. 

Here 's what happened to me : I needed to transfer funds ( $ XXXX ) for a mortgage escrow downpayment, and Marcus locked me out of my account. To make matters worse, it froze all my linked accounts at other banks too. I spent hours on the phone with both Marcus and my other banks, trying to unlock everything, but I still don't have full access to my funds. It was absolutely terrifying not being able to access my own money when I needed it, not just with Marcus but also with the other banks that were linked to it. 

And let 's not even talk about their so-called " same day '' wire transfers. I called them multiple times, asking if they needed more verification, and they said they would expedite the transfer. But the transfer never went through. Every time I called, they lied about it being expedited and promised it would be done by the end of the day. I wasted so much time on the phone, listening to their empty promises. 

This is supposed to be a liquid savings account. They shouldn't have the power to lock you out of all your accounts, even after you've proven your identity. Their rates are competitive, but if you actually need your money for something important, Marcus is the last place you should keep it. 

I'm hoping you can help me with the following : 1. Look into Marcus and their policies on fund accessibility and the impact on linked accounts. 
2. Make sure I can access my funds and restore full control over my accounts. 
3. Hold Marcus accountable for their false claims about " same day '' wire transfers. 
4. Get fair compensation for the stress, time, and trouble this has caused me. 

I believe that by bringing this issue to your attention, we can find a resolution and prevent others from going through the same ordeal. I look forward to your response and hope for a resolution that can bring me and others relief. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: VA

Complaint narrative:
I reached out to Lexis Nexis multiple times in an attempt to receive my consumer report online and via mail. Every attempt that demonstrated a form of " stalling '' meaning they are very reluctant to handle my request. I find it very deceptive and inconvenient. When I opted out, they did not hesitate to allow it. Yet, when I want my credit report from them, they show attempts to disregard the law. 

In their letter to me they ask me to provide additional documents and then at the very bottom of the letter they say that the following additional documents are not required. Why are they playing games with me? Why are they denying my request to receive my credit report. 

My name was part of a XXXX breach so I want to ensure that nothing fraudulent has occurred in that very file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Ive tried contacting the company since XX/XX/2023 and have not received any mail or calls yet alone emails regarding that debt. Debt collectors are threatening to damage my credit as well and hinder me from gaining anything because of the debt. They have been calling non stop but can not confirm or send any information regarding that the debt is mine. Also refuse to send any signed original documents saying its mine. I have received calls everyday for the last 4 months stating from XX/XX/2023 until now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Flexible Finance, Inc.
State: GA

Complaint narrative:
I DI NOT COMPLY TO DISPUTE THIS POSITIVE ACCOUNT, PLEASE, I'M BEGGING YOU TO RE-INSERTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Company has reported XXXX XX/XX/XXXXon my credit. This was previously disputed in 2020 under a different company name XXXX XXXX XXXX. I sent in documentation at that time showing that the account was not mine and it was removed from my Credit account. XXXX XXXX is a different company but same amount ( XXXX XXXX XXXX XXXX ). I have shown documents showing deletion in 2020 under XXXX XXXX XXXX however, company is still reporting. As I have shown before ( 3 years ago ), although the company name has changed, the account was and is not mine and I am wishing to have it deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Company has reported XXXX XXXX  on my credit. This was previously disputed in 2020 under a different company name XXXX XXXX XXXX. I sent in documentation at that time showing that the account was not mine and it was removed from my Credit account. XXXX XXXX is a different company but same amount ( XXXX XXXX XXXX XXXX ). I have shown documents showing deletion in 2020 under XXXX XXXX XXXX however, company is still reporting. As I have shown before ( 3 years ago ), although the company name has changed, the account was and is not mine and I am wishing to have it deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.

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