vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Pursuant to 15 U.S. Code 1692g - Validation of debts ; and FCRA laws ; TransUnion must provide how they verified this debt belongs to me in the following manner : XXXX ) How did you verify these accounts? 
XXXX ) Provide an original contract for each account with my wet signature. 
XXXX ) Provide documentation showing that I am contractually obligated to pay these debts. 
XXXX ) Provide proof that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the legal right to collect these debts. 
XXXX ) Provide any agreements or contracts I purposedly signed with 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 2024-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The two companies of the collection are LVNV Funding LLC and XXXX XXXX XXXX. I explained that the debt didn't belong to me and that I may be a potential victim of an identity crisis. I am still being harassed, called repeatedly, and forced to give them information that I don't feel comfortable doing/do n't have. I asked them to stop repeatedly via phone calls and they still call from different numbers and inappropriate times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I saw that I had received a derogatory mark on my XXXX and XXXX credit reports for a debt sent to collections owned by Wakefield & Associates. 

The status is : " Collection account. {$640.00} past due as of XX/XX/XXXX. '' I also see " Status Updated : XX/XX/XXXX '' on my report. The report from XX/XX/XXXX was the first time I heard anything regarding this debt collection or anything of Wakefield & Associates. My credit card company is the XXXX who notified me, bringing my attention to a new account on my credit report ; I have still never been contacted by Wakefield & Associates or the original lender themselves. 

I have disputes with XXXX and XXXX for this reporting, but XXXX has " validated '' my debt with Wakefield & Associates, without providing any supporting documentation or evidence ( XXXX dispute is still in process ). XXXX has no record of this collection. 

I have never received communications from Wakefield & Associates, via phone, email, or letter. I did not receive a debt validation letter or a notice that I owed money prior to them appearing on my credit report. I have never heard of either Wakefield & Associates or the original creditor, XXXX XXXX XXXX XXXX XXXX, which appears to be based in a state I have never been to. 

I have been at my current address since XX/XX/XXXX, and have access to mail sent to my last residence as well ; I have not received any notices pertaining to this debt. 

Regardless of whether or not this debt is mine, Wakefield & Associates did not satisfy their statutory requirement to give notice and perform due diligence in attempting to contact me and either receive payment or allow me an opportunity to dispute the debt. They have caused undue hardship in the form of a hard derogatory mark to my credit score without giving me an opportunity to rectify the situation, either through payment ( if the debt is valid ) or dispute ( if it is invalid ). 

Additionally : If this debt is mine : XXXX XXXX XXXX XXXX XXXX also did not communicate with me before sending me to collections. 

If this debt is NOT mine : I do not believe XXXX properly validated the debt, as they did not have any information or proof for me confirming the debt is in fact mine, and they have extended the process of this unnecessarily. I do not yet know the results of the XXXX dispute but expect similar results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Waiting for my XXXX payout. I have been a Venmo weekly user for 6 years. I can not get verified to buy/sell/transfer crypto because it just bugs out to an error every time it tells me I need to identify some verification. I have talked to 7 customer account members. Nothing. Already published one complaint and got contacted just to tell me they are working on it. Its been since XXXX that I have reached out to Venmo for the first time. 7 interactions and nothing has been done. Millions of users per month. They can fix my error. And I demand it be fixed now. Missing out on about XXXX dollars in the present crypto value that havent been able to receive my money everyone needs to press up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: PA

Complaint narrative:
A debt recently showed up on my credit report and lowered my score. The is for XXXX In the amount of {$550.00}. The debt collection company is XXXX XXXX XXXX. This debt was not previously on my credit report and all of a sudden showed up about a month or XXXX ago stating this card was opened 2023. I dont have any record of opening this credit card. I disputed it through XXXX XXXX and Transunion found it to be a valid account. I called TransUnion tooday to dispute it again and to let them know that I dont recall ever opening this account in 2023 and they basically told me to kick dirt. I dont have any records of receiving this card or any billing about this card Or about the debt itself. This literally showed up on my credit report out of the blue and I have no idea what is going on here. I would like this debt removed from my credit report. If it is not, then I need some type of proof as to when this card was opened, how it was opened, for example, over the phone or on the web, and all transaction history for this card.

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 2024-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
GENESIS CRDT Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. Either remove this account from my credit or I will be force to sue for non-compliance and identity theft by charging and attempting to collect a debt I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 
Account Name : XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank refuses to give me complete and total unstricted access to my funds. I can not utilize XXXX to transfer to another financial institution, external account transfers, ATM withdrawal, or purchase utilizing my available funds. I call the bank and spoke to several employee in customer service and security team and the only response is that it is a security evaluation. I fully identify and validated who I am and they still refuse to release my money to me. I am going to have XXXX XXXX XXXX + hours away to go to a physical location to be able to close this account. Their customer service is all in XXXX and XXXX and no customer service based in XXXX. Customer service refuses to release lock on my account and grant me access to my money.

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 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Netspend Corporation
State: NY

Complaint narrative:
( 1 ) Id like to know why the company blocked my card Thursday XX/XX/XXXX and whether this really was to verify suspicious activity or to play for time while they decided what the available balance should be and frustrate purchases denying access to my funds. Its noted that the company took approx 6 days to restore access to their online banking portal then claimed their concern was an attempted XXXX purchase. Whats suspicious about a sandwich purchase? 

( 2 ) Has the company been exchanging and/or receiving information about me including accounts and requests from XXXX XXXX , an unaffiliated company and why do they not respect consumer privacy? 

( 3 ) The company marks debits as pending while they make those funds immediately inaccessible to the consumer so the transaction are processed for the purpose of reducing the available balance. However, when they deem credits to the account as pending they treat these incoming funds as inaccessible and not posted for several days again, reducing the available funds in the account. Therefore their treatment of the term pending is misleading, inaccurate and seems intended to deny me access to funds in the account at every opportunity. 

( 4 ) Per my first complaint via the XXXX to the company, their representative XXXX in the Corporate Office has never answered the phone. She indicated again XX/XX/XXXX that she would call today XX/XX/XXXX but I waited for the entire day and she neither called nor answered the phone at the number provided when I tried to reach her. The company therefore shows no genuine interest in making this right, addressing the issues or compensating me for inconvenience, breach of privacy and misleading information.

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 2024-03-15 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: VT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-15 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: VT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-15 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:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-15 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-15 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: GA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-03-15 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: PA

Complaint narrative:
According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts contain inaccuracies in their reporting.

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 2024-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX comenity bank i pay this but is in my credit the dept is payoff already

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-15 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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