vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2024-10-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
This is regarding a transaction disputed initiated for the transaction on XX/XX/year> in the amount of {$230.00} ( Dispute case number : XXXX ) I had sought credit card issuers customer service to request chargeback for the defective merchandise that the merchant has refused to refund. I had provided the card issuer all necessary supporting documents and information indicating that the merchant has not clearly and adequately stated their no return accepted return policy at the time of purchase. Return policy printed in the receipt post purchase is not valid and violation of state regulations concerning consumer rights. I request that the credit card issuer to reopen the chargeback and review the dispute and investigate if the merchant has complied with the state law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-09 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: FL

Complaint narrative:
Background check for XXXX canceled/ did not let me know why! While delaying my ability to work, never answer the phones! I CANT BELIEVE THIS COMPANY STILL EXISTS!!!!!! I JUST CAN NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: IL

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2024-10-09 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: IL

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2024-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XXXX XXXX, XXXX  I went to a citizens bank ATM at XXXX XXXX XXXX to withdraw {$500.00} to shop for XXXX XXXX XXXX  clothes and coats. The ATM did as if it was disbursing the money but it did not. That money was put for XXXX XXXX  clothing allowance from Department of Transitional Assistance ( DTA ). I have gone to multiple citizens banks multiple times they keep making go in circles. Even after bringing a XXXX Police Report everyone at the banks act like the Ctizens Bank ATM does not belong to them. One person at the bank gave me a number to call which is XXXX. XXXX told me they are not responsible for the cash they just do pick up and drop offs and that the bank should be able to tell me where my {$500.00} went.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: IL

Complaint narrative:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I moved out of an apartment previously lived in after lease was up due to insect problem that was never fixed. I was worried that these insects would crawl in ear. Additionally these insect were coming from somewhere unknown and the apartment management way of fixing it was to add more traps to my residence which was an inconvenience to me. Again, my current lease was up so I could move as long as I provided a note to vacate property. 

Everything was done properly and I was provided an email from property manager to send keys to apartment which I did. 

Then out of the blue I started getting threatening calls from property owner company. I provided the property owners all the email exchanges between I and property manager. Then all the calling stop from property owner. 

Next thing I know a debt collector ( Genesis or Columbia ) started calling. I have provided them all the same information. All this miscommunication need to stop now. I owe no one nothing. I did the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-09 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: NJ

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For the 4th time, I am requesting : 1. Documentation regarding my fraud investigation. Wells Fargo still did NOT provide me with any documentation regarding my investigation.

2 Documentation on the 3 merchants the Non Wells Fargo ATM charges occurred. I asked Wells Fargo for information on these merchants and they did not comply with my request. Since I have never been to these places and they don't exist on XXXX, I am requesting Wells Fargo give me information on : XXXX XXXX in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  None of these businesses are real, therefore, how could legitimate ATM charges occur? 
*On XX/XX/scrub>XXXX  a new fraudulent transaction occurred again at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been to this place. According to XXXX, it does NOT exist. I have my debit card with me and have NOT given it to anyone. Wells Fargo needs to investigate how I keep gettting money withdrawn from places that do NOT exist. Please, this is my fourth request trying to figure out why fraudulent withdrawels are happening from places that don't exist.

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 2024-10-09 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: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: GA

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX and list of Inquiries XXXX XXXX XXXX XXXX XXXX 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 2024-10-09 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm following up on my recent communication regarding accounts on my consumer report linked to identity theft. I never authorized these accounts with a written signature. I formally request the immediate blocking and removal of these fraudulent accounts from my report. 

These inaccurate entries have caused significant emotional and financial distress, misrepresenting my credit history and hindering important financial goals, including purchasing a home and providing for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I have a Venmo account they said that I was in violations of their regulations. I asked him to explain the violation. The only thing they gave me was user guidelines, so I was never told the exact reason why my account was banned but my issue is I have {$1800.00}. XXXX still left in my account in which it is a direct deposit from my XXXX  XXXX, which I tend to you know use this account to pay my bills and purchases online and all kinds of stuff. I have no problem for them closing the account, but they wont give me my money back. they said they will send an email verify. Let me know if my funds would be available for transfer in the future so Im filing a complaint because thats fine if they think I violated their rules and regulations, but Im still entitled to my money and I shouldnt have to wait 180 days for me to get my money back thats it should be illegal so Im just reaching out for anyone that can give me advice on this situation because a company keeping your funds for XXXX months to let you know whether or not you gon na get your money back I think thats illegal to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have a Care Credit Card with Synchrony Bank. On XX/XX/XXXX, I called to request a card for my husband. The customer Service agent closed my Credit Care Account without my permission and knowledge. During the call I received an email stating that my account has been closed and a new card issued due to a lost/stolen card. I asked the agent about it and he said to disregard the email and that he just issued a card for my husband. I said that there was no card lost or stolen. He said that it was just a standard email and to disregard. After the call, I was concerned about my account so I tried logging in and found I could no longer do so. I called back and spoke with a manager she told me that the customer service agent really did go ahead and close my account!!! I was unable to access my account for 2 days. Now I have a new account!! I requested all of my statements so I could make sure they werent trying to XXXX me over on the extra payments I made and everything looks like it is in order. 
On or around XX/XX/XXXX, I changed my autopay from {$100.00} to {$150.00}. I received a letter from Synchrony via email on XX/XX/XXXX stating that XXXX to recent activity they are going to change my autopayment to {$55.00}!!!! Do they have a right to do this? Please see the attached letter. I am going to call them immediately after this is submitted. I am very upset. How can the just go in and change my account like that? AND without my permission!!!!!

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 2024-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Credit Solutions, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Collection Agency for Violation of 12 CFR 1006.34 and 15 USC 1681s-2 Dear Sir/ Madam, I am writing to file a formal complaint against Complete Credit Solution for violating my consumer rights as outlined under federal laws, specifically 12 CFR 1006.34 and 15 USC 1681s-2.

The violations I have experienced are as follows : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency had failed to provide the necessary Validation information for the debt in question. Despite this, they have reported this collection to the consumer reporting agencies, which is unlawful. I have not received any notice or disclosure of this information.

2. Lack of Opportunity to Dispute the Account ( 12 CFR 1006.34 ( c ) ( 4 ) ) : I was not given reasonable to dispute the alleged debt. The collection agency has not sent me any communication that allows me to exercise my right to dispute the debt in accordance with the law.

3. Use of False, Misleading and Deceptive Means : The collection agency is using false, misleading, and deceptive means to collect this debt, which further violates my consumer rights under federal regulations. Their actions are both misrepresentative and harmful to my credit and financial reputation.

4. Violation of Authority to Furnish Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 1681s-2 ) : The collection agency is furnishing information to consumer reporting agencies without providing the necessary disclosure as required by law. This is a direct Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ), which prohibits furnishing any accounts information without following the proper procedures. Thank you for your attention to this matter. 

Please fell free to contact me if need further information. 

sincerely, 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 2024-10-09 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: FL

Complaint narrative:
This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, but this time there were errors that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the mistakes stayed. I'm really concerned about this and need the documents I've sent to be checked thoroughly so I can stop worrying about it.

Company response to consumer: Closed with explanation