vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: MD

Complaint narrative:
Dear XXXX XXXX, I am writing in response to your correspondence dated XX/XX/2024, regarding the charged-off account associated with my name. After careful review of your response, I am compelled to address several concerning issues regarding the handling of this account and its impact on my consumer rights. 

In your response, it was acknowledged that the account in question was charged off, indicating that the debt was considered written off. According to IRS regulations, any charge off is treated as canceled or forgiven debt, which in turn, is considered as income. This action raises two significant violations under the guidelines of all three Credit Reporting Agencies ( CRAs ) : firstly, income is not to be reported on any consumer report, and secondly, a charge off indicates canceled or forgiven debt, which should not be reported if there is no outstanding balance. 

Furthermore, your response indicated that this charged-off account was sold, which further compounds the violations of my consumer rights. If the debt is indeed canceled, as indicated by its charged-off status, how is it permissible to be sold to another entity? This raises serious questions regarding the legality and ethicality of the actions taken by XXXX XXXX XXXX 

As these violations are federally regulated, I demand that this charged-off account be immediately deleted from my consumer report. This will be my final demand before pursuing legal action against XXXX XXXX and the three CRAs for their complicity in violating federal law, specifically 15 USC 1681e ( b ), which mandates maximum possible accuracy in consumer reports. Had this requirement been met, it would have been evident that income is not to be reported on consumer reports, as stated on all three CRAs ' websites and guidelines. 

I urge XXXX XXXX to rectify this matter promptly and in accordance with the law. Failure to comply will result in legal action to ensure that my consumer rights are upheld and that justice is served. 

I expect a timely response acknowledging receipt of this letter and confirming your commitment to resolving this dispute. 

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 non-monetary relief
Consumer complaint received 2024-05-23 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: MD

Complaint narrative:
Dear XXXX XXXX, I am writing in response to your correspondence dated XX/XX/year>, regarding the charged-off account associated with my name. After careful review of your response, I am compelled to address several concerning issues regarding the handling of this account and its impact on my consumer rights. 

In your response, it was acknowledged that the account in question was charged off, indicating that the debt was considered written off. According to IRS regulations, any charge off is treated as canceled or forgiven debt, which in turn, is considered as income. This action raises XXXX significant violations under the guidelines of all three Credit Reporting Agencies ( CRAs ) : firstly, income is not to be reported on any consumer report, and secondly, a charge off indicates canceled or forgiven debt, which should not be reported if there is no outstanding balance. 

Furthermore, your response indicated that this charged-off account was sold, which further compounds the violations of my consumer rights. If the debt is indeed canceled, as indicated by its charged-off status, how is it permissible to be sold to another entity? This raises serious questions regarding the legality and ethicality of the actions taken by XXXX XXXX XXXX 

As these violations are federally regulated, I demand that this charged-off account be immediately deleted from my consumer report. This will be my final demand before pursuing legal action against XXXX XXXX and XXXX XXXX CRAs for their complicity in violating federal law, specifically 15 USC 1681e XXXX b ), which mandates maximum possible accuracy in consumer reports. Had this requirement been met, it would have been evident that income is not to be reported on consumer reports, as stated on all three CRAs ' websites and guidelines. 

I urge XXXX XXXX to rectify this matter promptly and in accordance with the law. Failure to comply will result in legal action to ensure that my consumer rights are upheld and that justice is served. 

I expect a timely response acknowledging receipt of this letter and confirming your commitment to resolving this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding a collection account labeled APPLE CARD/GS BANK USA account number XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: NY

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Money Network repeatedly blocks my card for suspicious activity and there is never any. I get declined call in verify the transaction and they remove it. Today XX/XX/year> they did it again. I received a large payment because XXXX owed me XXXX. Clearly I need to pay my rent. There are daily withdrawal limits so I withdrew what I could and transferred some to my bank to access it. No problem right? WRONG a few hours later i attempt to charge XXXX XXXX and get the decline and a suspicious activity email. I call them they just say it was suspicious activity and asked if I tried to transfer money. I said did it this morning it went thru fine. Its my same bank Ive transferred to before. The. She says she cant do anything except close my account and send me a check which will take 15 days AND they reversed the transfer. Now Im really upset and in a bind. Then they says XXXX has to send a new card. Its a huge inconvenience and very stupid because its my money and my transfer they was nothing suspicious and they didnt attempt to verify anything!! Then I called them right back because i received a alert from a credit to the account after they closed it. I tell them what will happen with the credit I just received they said they can issue another freaking check or transfer it to my new card when I get it. Well can you transfer it to my bank NO. But they can transfer it to the new card in a month when I receive it??? That is unfair and extremely stressful. I looked at reviews and found hundreds on XXXX of people having the same random closure and many havent received their checks or new cards. Nobody wants a check in the mail as it is.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern

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 2024-05-23 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

Additionally, This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ).

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 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2024 I deposited a check in the amount of {$610000.00} at Chase branch in XXXX, TX the check was cleared the same day as I was told by their employee XXXX who called XXXX at XXXX XXXX  and verified that the check was good and paid to Chase and the bank lied to me saying we need some time to collect the check while they had the fund in their position as I was told by XXXX saying we have the money and we will left the hold within XXXX hours on XX/XX/2024, but when he turned it to what he calls the back room where the XXXX  reside they denied to lift the hold and claimed that the hold will be lifted on the XX/XX/2024. 
Please investigate this matter which caused financial hardship to me due to the XXXX  ways of chase Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I purchased a XXXX vehicle with a car loan financed from Wellsfargo Bank. I never received compensation for the additional fees that were charge to the consumer as founded in a XXXX XXXX law suit.

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 2024-05-23 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: KY

Complaint narrative:
I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
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 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: AR

Complaint narrative:
My XXXX XXXX account was placed on a restriction without notifying me of any reason why after being able to access and use it for months without any issues before this incident. Now after calling and constantly trying to get the situation resolved it seems as if they just plan to deny me access of my funds without having been notified of the restriction that was placed on my account or any reason as to why it had been placed the account to begin with. After numerous attempts of trying to contact XXXX XXXX/SoFi and speaking with numerous representatives they haven't given me any reason why a restriction was placed on the account but they are constantly asking me an XXXX XXXX XXXX man to try and follow some steps in order to verify my identity which I have tried and their system can never seen to work correctly and verify me. When I opened the account I didn't have a single issue with identity verification in fact they also asked a few questions only I can answer in order to verify my identity and everything seemed to go along pretty smoothly for a while until XXXX day they just decided to restrict the usage of my account to me without notification or explanation as to why this had been done. Being an elder and trying to use this new technology to the best of my ability has really began to take a toll on me because you have to understand that things aren't as easy for me as they once had been and I have grown agitated and irritated because this issue has persisted for far too long and I have done everything in my power to resolve this problem but it seems to me that they are not concerned with fixing this issue and would rather hold my money XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Just happened XXXX  and the XXXX of XXXX I was using venmo which is a finance company that a lot of people use because I can't get bank accounts I've been unable to get a bank account because I can't prove my residence because I just rent a room in a house.. The XXXX XXXX has done more harm than good. I was using the XXXX application on venmo I paid for {$100.00} worth of XXXX and I forgot to turn my card off and they took another {$200.00} and XXXX off of my card without me knowing about it.. did you try to turn my card off immediately right afterwards but I forgot. This seems to be a problem with XXXX than anybody that's buying Bitcoin.. I often use my card in stores and paying for things in restaurants but I never have the problem it's only when I buy XXXX it seems like the scammers are actually monitoring people accounts that are buying XXXX  and trying to steal from accounts that are not secure. 
Right now at this present time in the past 3 months I've lost {$550.00} from XXXX XXXX weeks ago I lost {$200.00} from XXXX, this XXXX XXXX  about XXXX Something needs to be done about the security of these payment processing companies they're not really securing your money at all It seems to me as though someone or the scammers are monitoring these payment things to XXXX  because they know they can't be traced. I know that there's a software that you can use to really monitor these things that are happening to these people that are using finance companies. 
I'm losing too much money with this I'm on a fixed income and this is some of the ways that I can pay bills through XXXX  it helps me a great deal I don't have a way to get checks.. 
Venmo can't supply security for their XXXX  platform on their their accounts they shouldn't be offering XXXX  and they should be told that people are not secure when they're buying XXXX... 
The the process to buy XXXX is pretty easy and very secure usually with a bank When finance companies should be offering the same security for paying bills and they're not.. they all should be using at least XXXX encryption on all accounts.. when people don't have the ability to get bank accounts because of just things silly things like residents it causes a bunch of problems the XXXX XXXX has been a real problem for me and I know it's been a real problem for other people.. because I don't have a lease and I usually live in roaming houses I can't really prove my residence I have to do other things that prove my residence.. these finance companies are XXXX XXXX  need to start using the same security that Banks use and using XXXX encryption... 
I need help with this cuz I am XXXX XXXX XXXX I'm on the fixed income I need some secure way to pay bills without constantly looking for money orders.. 
Something's got to be done with these XXXX XXXX  they've got to start using encryption or more secure ways to for people to use their platforms..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. 
Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. Cap One - XXXX.

Company response to consumer: Closed with explanation