vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I received a call last Wednesday XXXX XXXX XXXX XXXX XXXX. Understandably as it was the middle of the work day, I was unable to pick up the call. 

Once again, I was locked out of my account. I was previously locked out on XX/XX/2024 and had to lodge a complaint on multiple platforms ( including aa CFPB complaint ) to regain access. 

I have since called Marcus twice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and they have yet again been unable to verify my identity, this time citing that my mobile number is not tied to my identity. This is ridiculous and virtually impossible since when my account was locked previously, they were eventually able to verify my identity with a pin sent to my mobile. 

Would be grateful for assistance. 

It is extremely distressing that I have gotten locked out in a span of two weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 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: CA

Complaint narrative:
I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts that are being challenged 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  NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.

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 2024-03-18 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:
Two accounts shows as closed and charged off yet XXXX transunion and XXXX still has this listed on my credit from XXXX and XXXX XXXX XXXX. Publication 4681 explains the federal tax treatment of : Canceled debts.

Foreclosures.

Repossessions.

Abandonments.

If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. Income is not authorized to be placed on any person credit. 

Also I have an unknown creditor reported on my credit report as well from XXXX XXXX XXXX This creditor has violated my rights under 15USC 1681 Section 6o2 states I have the rights to privacy.15USC 1681 it also states a consumer report agency can't furnish an account without my written instruction. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS. I do not owe 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 2024-03-18 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:
Two accounts shows as closed and charged off yet XXXX XXXX XXXX Equifax still has this listed on my credit from XXXX and XXXX XXXX XXXX. Publication 4681 explains the federal tax treatment of : Canceled debts. 
Foreclosures. 
Repossessions. 
Abandonments. 

If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. Income is not authorized to be placed on any person credit.

Also I have an unknown creditor reported on my credit report as well from XXXX XXXX XXXX. This creditor has violated my rights under 15USC 1681 Section 6o2 states I have the rights to privacy.15USC 1681 it also states a consumer report agency can't furnish an account without my written instruction. 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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Orion Capital Solutions LLC
State: TX

Complaint narrative:
On XX/XX/year>, Orion Capital Solutions called me at work and left a VM with the front receptionist after they had just called my cellphone and left a VM wanting to verify I.D . and location. I have not received anything in writing regarding any type of debt and do not even know who this company is representing. I looked them up and they are third party collection. I called them back and told them they do not have permission to call my place of work and my employer is prohibiting calls from debt collectors. They still wanted me to verify personal details and I refused.

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 2024-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
USAA Bank XXXX Department in XXXX XXXX Texas Refuses To Send A Criminal Written Disclosure In The Dispute Of USAA Member Checking Account in XXXX that Was Confirmed as An Illegal Agreement by USAA Bank and XXXX XXXX  by XXXX Contact in XXXX and Is A Horrific Financial Fraud Criminal Act that Requires An Immediate Written Disclosure to Claimant XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: VA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : 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, and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: CA

Complaint narrative:
" I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXX Listed below are the Collections that are being challenged 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 2024-03-18 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: CA

Complaint narrative:
I didn't sanction these inquiries and firmly believe they're deceitful. I urge you to carry out a comprehensive investigation and promptly erase them from my credit file. I've furnished supporting documents for your scrutiny.

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 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX, I noticed XXXX transactions totaling {$920.00} that was taken out of my account from an ATM machine at a XXXX. On XX/XX/XXXX, I used my card at the same location and withdrew {$40.00}. I reported the fraud hours after it happened. After XXXX business days, the bank, Netspend, denied my claim. I requested a detailed explanation and they sent me a document saying that there was " no evidence or pattern indicating fraud '' after another XXXX business days. I then requested an actual explanation of their investigation and they sent me a document that said " the transactions fit the pattern of how I used my card because I withdrew {$40.00} on XX/XX/XXXX and the last time before that I used my card there was XX/XX/XXXX where I withdrew {$40.00} ''. This is laughable. How does me withdrawing {$40.00} twice in 9 months constitute a pattern of me using my card there? And withdrawing the XXXX amount you can for XXXX day? So, obviously what happened was on XX/XX/XXXX, there must have been some type of device that got my card details and then they made a copy of my card and used it to withdraw the {$920.00} in back to back ( XXXX transactions ). 

It's crazy to me that they would consider my last XXXX transactions there, which were XXXX  months apart, a " pattern '' when I withdrew {$40.00} twice. Then all of a sudden do XXXX back to back transactions for the daily maximum withdrawal limit. I have video proof that I was at my place of employment when the XXXX transactions in question happened.

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 2024-03-18 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: GA

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-03-18 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: GA

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: LA

Complaint narrative:
The company Hunter Warfield, with account number XXXX, is blatantly violating multiple consumer protection laws designed to safeguard individuals like myself against the intentional disregard of basic consumer rights. 

Firstly, according to 15 U.S. Code 1681b regarding Permissible Purposes of Consumer Reports, I never provided written consent for any reporting on my consumer reports. This absence of consent constitutes fraud.

Secondly, under 15 U.S. Code 1692j, which addresses the Furnishing of Deceptive Forms, I am not participating in the collection of the alleged debt. I demand an immediate cessation of all activities related to this matter.

Thirdly, under 15 U.S. Code 1602 ( p ), pertaining to the Unauthorized Use of Personal Information, it is essential to note that even without receiving a tax form 1099-C, cancelled debt must be reported as gross income as per IRS guidelines . Therefore, labeling a charge-off as income, as done in the reporting of this account, is inaccurately handled.

My own investigation and research into legal cases have revealed numerous instances where consumers faced similar issues. Courts consistently ruled that credit reporting agencies can not merely echo information provided by creditors or collection agencies. They are mandated to conduct independent, reasonable investigations to verify the legitimacy of debts and the credibility of involved parties. 

Sending out generic forms via the e-Oscar system, devoid of any specific details pertaining to my dispute, falls short of the requirement for reasonable investigation. Furthermore, in accordance with 15 USC 1681, everything on my consumer report must be 100 % accurate. However, there are several inaccuracies regarding the reporting of this erroneous account, including discrepancies in the date last active, date opened, and dispute status. 

In light of these violations, I demand immediate corrective action and a cessation of any further erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
per 15 u.s.c 1681b please remove these inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Dear [ Consumer Finance Protection Bureau ], I am writing to bring to your attention a concerning situation involving Firstmark Services, a predatory lender that has been uncooperative in reaching a settlement agreement despite my efforts to resolve the matter. 

The personal loan with Firstmark Services was initiated on XXXX with an initial principal amount of {$15000.00}, with an interest rate that accrues at a rate of {$11.00} per day. Despite my attempts to engage in dialogue and negotiate a settlement, the lender has failed to provide necessary information and has been unresponsive to my inquiries. 

I first contacted Firstmark Services on XXXX and subsequently on XXXX, requesting additional information and seeking a resolution to pay off the loan. However, I have not received any meaningful response or cooperation from their end. 

This lack of communication and cooperation has put me in a challenging financial situation, as the accumulating interest is making it increasingly difficult to manage the debt responsibly. I believe this behavior is indicative of predatory lending practices and warrants investigation and intervention. 

I kindly request that your office look into this matter and take appropriate action to ensure fair and transparent resolution practices are followed by Firstmark Services. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: IL

Complaint narrative:
I am writing to express my frustration regarding the lack of action taken after reporting my identity theft for the third time. Despite my efforts, neither the credit bureau nor the involved companies have responded to my disputes. This situation makes me feel like my consumer rights are being disregarded. As the victim, I am unable to obtain the necessary assistance or response from the credit reporting oversight companies. If no action is taken promptly, I will be forced to take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my frustration regarding the lack of action taken after reporting my identity theft for the third time. Despite my efforts, neither the credit bureau nor the involved companies have responded to my disputes. This situation makes me feel like my consumer rights are being disregarded. As the victim, I am unable to obtain the necessary assistance or response from the credit reporting oversight companies. If no action is taken promptly, I will be forced to take legal action.

Company response to consumer: Closed with non-monetary relief