vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: NY

Complaint narrative:
I am writing to file a formal complaint against XXXX, a consumer reporting agency, for their failure to comply with the fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On XX/XX/year> and XX/XX/year> I sent a Dispute ; number XXXX and XXXX to XXXX  notifying them of XXXX reinsertion of account : XXXX AND XXXX Account # XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX In to my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the Dispute, Transunion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Transunions actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolver this matter directly with Transunion they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2024-05-22 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: SC

Complaint narrative:
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.

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 a 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-22 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: TX

Complaint narrative:
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.

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 a 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: LEXISNEXIS
State: IL

Complaint narrative:
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.

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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-22 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: IL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I had an issue with Schwab Bank getting a debit card charge processed. After three phone calls to Schwab the charge was finally processed on XX/XX/24. Today, XX/XX/24, Schwab Bank took the money ( {$5900.00} ) from my account again. I spoke with a team lead at Schwab Bank earlier today who indicated it could take 90 days for Schwab to return my money, which is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
tjmax  said XX/XX/year> numerous people had fraud charges too from a product online, some cream I never ordered. I dont know the name of the company because tjmax didnt provide it. I kept getting new credit cards in the mail, and wondering why because the expiration date wasnt an issue. I called them, and said it could be from inside your company thats doing this. Customer service told me they resolved the problem. I closed this card several months ago & theres more charges sent to me in the mail today. Card wasnt open long due to tjmax credit card double charging in the beginning of having the card. They have very poor customer service, with people saying different things regarding protocol. Most were of a foreign accent with a language comprehension issue, and a few were very rude yelling at me. Tjmax customer service is the worst I have ever experienced sadly, and their accounting practices are fraudulent. They lost my business! 
Please exonerate me of this fraudulent hacking and remove it from my credit report. The amount is {$150.00} of fraud charges.

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 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I had a citizens account that was inactive for around 2 months and they closed it without notice. As I wasn't aware of the account closure I sent myself a quick pay on XX/XX/year> from my XXXX  account to that account in the amount of {$40.00} I right away got a bounce back that it was canceled but with out a reason, so I tried again and it went through. Now when I tried logging in to my citizens account I saw that it was closed due to inactivity and I have no way to access those funds. I reached out to XXXX  and they told me that the XXXX  was processed on their end and the receiving bank accepted it so I need to call citizens. As I called them they told me that they never received it and that my account is closed so they can't help me. 

Now, I filled already a complaint through CFBP to which they responded that all do they received the money they will not release it to me, when I tried to replying the complaint was mistakenly closed as satisfied, but indeed I never saw my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
unauthorized/fraud credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GMFinancial 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Someone claiming to be from American Express has called my work on a few occasions after I told them never to call my work again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
Subject : Consumer Financial Protection Bureau Complaint Against Waypoint Resource Group Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Waypoint Resource Group regarding inaccurate credit reporting information and unjust collection activities concerning an alleged debt attributed to my name. Despite my repeated attempts to resolve this matter directly with Waypoint Resource Group, they have failed to provide adequate documentation to substantiate the validity of the debt in question. 

My name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX. My direct contact number is XXXX. 

The specifics of my complaint are as follows : 1. **Inaccurate Debt Reporting** : Waypoint Resource Group has reported an outstanding debt associated with my name, yet they have failed to provide sufficient evidence validating the existence and accuracy of this debt. Despite my requests for documentation, including signed contracts or agreements pertaining to the alleged debt, Waypoint Resource Group has neglected to provide such evidence.

2. **Violation of Fair Debt Collection Practices Act ( FDCPA ) ** : Under the FDCPA, debt collectors are required to provide accurate information regarding debts owed by consumers. Moreover, the FDCPA prohibits debt collectors from engaging in unfair or deceptive practices. Despite these regulations, Waypoint Resource Group continues to pursue collection activities without providing the necessary documentation, thus violating my rights as a consumer.

3. **Demand for Resolution** : I demand that Waypoint Resource Group take immediate action within 30 days of this complaint by providing documentation validating the existence and accuracy of the alleged debt. Furthermore, I request that all collection activities related to this alleged debt cease until the requested documentation is provided.

Failure by Waypoint Resource Group to comply with this demand will result in legal action. Any continued attempts to collect on this debt without providing the requested documentation will be considered further violations of the FDCPA.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Waypoint Resource Group for their failure to adhere to federal regulations governing debt collection practices. 

Please acknowledge receipt of this complaint and inform me of the steps being taken to address this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Direct : XXXX cc : Attorney 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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: LA

Complaint narrative:
On XX/XX/year>, I was a victim of identity theft. I immediately reported this to XXXX XXXX XXXX XXXX. Despite providing comprehensive evidence, XXXX XXXX denied all my fraud claims and began negatively reporting the fraudulent transactions on my credit report. 
I submitted additional supporting documentation as instructed by XXXX XXXX, but before they reviewed this information, they closed the disputed accounts and reported them as delinquent past XXXX  days. 
This has unjustly impacted my credit score and resulted in the loss of a {$XXXX} credit limit on my credit card, which had a perfect payment history before the fraud. 
XXXX XXXX has failed to properly investigate my claims or consider the evidence provided, leading to significant financial and credit damage. 
I request a proper review of the additional documentation supporting my claim, that these fraudulent charges be removed from my credit report, my associated credit card account be reinstated, and my credit limit restored.

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 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX  XXXX pertaining a complaint to this body, to which they responded by stating On XX/XX/XXXX, we made a business decision to send a request to the CRAs asking them to delete the XXXX  XXXX account ending in XXXX from your credit files. It may take up to 60 days for the agencies to update their records. 
We performed an investigation and confirmed that the account ending in XXXX was opened on XX/XX/XXXX, with an online application. After performing our review, we believe the account belongs to you for the following reasons : The contact information used to open the account ( listed below ), has been linked to you by public records XXXX XXXX XXXX XXXX, DE XXXX We mailed billing statements to XXXX XXXX XXXX XXXX, DE XXXX, which has been linked to you by public records, and did not receive any returned billing statements or other mail sent to this address. 
We located recorded calls from XX/XX/XXXX, in which you contacted us about this account and stated it was your account. 

To this letter they informed me this matter was resolved and I had nothing to worry about. Since XXXX they have have portfolio recovery associate harass me for collection, after they stated it was deleted from all public record. I contacted portfolio recovery associates and they said nothing to help and now I am here to complain about this matter non stop phone calls and demands this has to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: LEXISNEXIS
State: TX

Complaint narrative:
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.

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 a 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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