vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
On XX/XX/year>, at XXXX PM, I contacted IQ Data International regarding a debt they claim I owe to a company. XXXX XXXX connected me to an agent named XXXX XXXX. During my conversation, I explained my concerns about the debt, including my understanding of Georgia law and my belief that it was improperly handled. XXXX XXXX was incredibly rude, dismissively stating that the amount was only {$130.00} and telling me to get over it. He then offered to remove the debt from my credit report XXXX time if I paid immediately. When I declined this offer, he abruptly hung up on me. I called back to obtain his name and was connected to him again. When I confirmed that he was the person I had just spoken to, he said, XXXX going to be talking to me every single time. 

Realizing my rights were potentially being violated, I had my partner, who's name is also on the collections account, called back to speak with a supervisor. During this call, I recorded the conversation for my records. XXXX XXXX initially answered and, instead of connecting him to a supervisor as requested, directly transferred him back to XXXX XXXX. When he asked XXXX for a supervisor, XXXX stated, No '', multiple times and eventually said, " You do not need to talk to anyone else and left him on hold. He stayed on hold, and eventually, was connected to a supervisor whose name we could not hear clearly. When he explained the situation and the coercive tactics being used by their employee, she did not deny his actions and stated that they would " investigate '' the matter. 

The behavior of IQ Data International and its agents appears to violate several provisions of the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX rude and dismissive remarks, including telling me to " get over it, '' constitute harassment, a violation of 806 of the FDCPA. His offer to remove the debt from my credit report in exchange for immediate payment could be construed as a deceptive practice, violating 807 of the FDCPA. Additionally, the refusal to allow me to speak to a supervisor and the repeated obstruction by routing my calls back to XXXX demonstrate unprofessional and potentially unfair practices. Finally, the coercive tactics used, including dismissing my request for escalation and pressuring me to pay without validating the debt, fail to respect my rights as a consumer. I am submitting this report to request a formal investigation into the actions of XXXX XXXX XXXX and its employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: MI

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by your agency. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

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 2024-11-20 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: MI

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by your agency. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
Dispute Explanation Regarding Account # XXXX I am writing to formally dispute the account listed above, as it is not mine and has been erroneously reported on my credit file. Additionally, this account has been reported beyond the legally permissible time frame outlined under federal credit reporting laws. 
Key Points : Account Does Not Belong to Me : I have no knowledge of, nor any association with, this auto loan account. I request immediate verification of ownership, including the original contract and documentation proving that I opened or authorized this account. Under the Fair Credit Reporting Act ( FCRA ), 609 ( a ) ( 1 ), I have the right to request all information used to verify the accuracy of the reported account. 

The account from XX/XX/year>. According to the FCRA, 605 ( a ) ( 4 ), derogatory accounts such as collections, charge-offs, or accounts listed as bad debt must not remain on a credit report for more than XXXX years from the date of first delinquency ( DOFD ). Given that the DOFD was before XX/XX/year>, this account is outside the seven-year reporting window and should have been removed from my credit report. 


This account has been repeatedly reported without proper validation. According to FCRA 611 ( a ), upon disputing an account, the credit reporting agency is required to investigate and ensure the account is accurate. If the information can not be verified as accurate, the account must be removed promptly. 


The continued reporting of this erroneous and outdated account violates the provisions of the FCRA and causes undue harm to my credit profile. If this account can not be verified and validated with clear, accurate, and documented proof, it must be deleted immediately to comply with the law.

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 2024-11-20 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: FL

Complaint narrative:
Dispute Explanation Regarding Account # XXXX I am writing to formally dispute the account listed above, as it is not mine and has been erroneously reported on my credit file. Additionally, this account has been reported beyond the legally permissible time frame outlined under federal credit reporting laws. 
Key Points : Account Does Not Belong to Me : I have no knowledge of, nor any association with, this auto loan account. I request immediate verification of ownership, including the original contract and documentation proving that I opened or authorized this account. Under the Fair Credit Reporting Act ( FCRA ), 609 ( a ) ( 1 ), I have the right to request all information used to verify the accuracy of the reported account. 

The account from XX/XX/year>. According to the FCRA, 605 ( a ) ( 4 ), derogatory accounts such as collections, charge-offs, or accounts listed as bad debt must not remain on a credit report for more than XXXX XXXX from the date of first delinquency ( DOFD ). Given that the XXXX was before XX/XX/year>, this account is outside the seven-year reporting window and should have been removed from my credit report. 


This account has been repeatedly reported without proper validation. According to FCRA 611 ( a ), upon disputing an account, the credit reporting agency is required to investigate and ensure the account is accurate. If the information can not be verified as accurate, the account must be removed promptly. 


The continued reporting of this erroneous and outdated account violates the provisions of the FCRA and causes undue harm to my credit profile. If this account can not be verified and validated with clear, accurate, and documented proof, it must be deleted immediately to comply with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have a Goldman SachsXXXX XXXX account XXXX which I'm trying to withdraw funds urgently for funding a mortgage. The app on my phone keeps rejecting the withdrawal. I have been on several calls now with both Goldman Sachs and XXXX, and they both keep passing the buck. Goldman Sachs says they have no blocks on my account so they don't know why I'm not able to withdraw funds, whereas XXXX made me update to the latest software and the problem still persists. At this point, they both say they don't have a way to resolve this, and I need my funds urgently. 

Since the account is with Goldman Sachs, they should have a way to enable this without access to the phone app as well - but they say they do not have any other way to help me move the funds. This all feels like intentional hindrance from both Goldman Sachs and XXXX XXXX to prevent accountholders from withdrawing money and should be investigated. 

Kindly help with resolving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to urgently request the removal of incorrect and misleading accounts on my credit report. These inaccuracies are not just clerical errors ; they represent significant obstacles to my financial plans and personal reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to urgently request the removal of incorrect and misleading accounts on my credit report. These inaccuracies are not just clerical errors ; they represent significant obstacles to my financial plans and personal reputation.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX signed a vehicle loan with company name ( XXXX XXXX. With an amount of XXXX down on the vehicle at purchase.Car loan was with XXXX XXXX XXXX  XXXX the dealer. All payments made on time. XX/XX/year> The dealer and XXXX XXXX stop my financing and put me on a buy here pay here contract. XXXX XXXX has no derogatory payment history with this account under my name. XXXX XXXX also stated that I would be refunded a payment of {$420.00} would reimbursed to XXXX XXXX. 

XXXX XXXX instead reimbursed the XXXX XXXX & XXXX XXXX XXXX. 
Information provided on XXXX XXXX and XXXX credit report. 
Are inaccurate reporting derogatory account. All payment history was on time payment. 
I am advising that XXXX XXXX remove inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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:
This mornings credit report check left me completely stunnedthere were accounts I dont recognize, and I dont understand how they got there. I always review my report without issues, but this time was different. Even refreshing the browser didnt fix it. Im counting on a detailed review of my documents to prevent this from ever happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed unauthorized inquiries on my credit report earlier today, which came as a complete surprise. During my regular credit check, I found discrepancies that hadn't been there before. Thinking it might be a browser glitch, I refreshed, but nothing changed. This situation is highly frustrating, and I demand immediate action to review the documents I provided so I can stop worrying about this issue.

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 2024-11-20 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$9100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$10000.00}

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

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 2024-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I contacted Ally Financial to request the payoff amount for my leased vehicle, as I intend to trade it in and need this information for transparency during the transaction. However, I was informed that this information can only be disclosed to a dealer. 

I expressed that having access to the payoff amount is essential for me as the lessee to ensure that any payoff figure presented by a dealer is accurate and not inflated. Denying me access to this information hinders my ability to make informed decisions regarding my lease and potential trade-in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: TX

Complaint narrative:
Date of wreck occurred on XX/XX/XXXX. The at fault party is insured by XXXX XXXX. The following providers were all satisfactorily paid in full by XXXX XXXX : XXXX, XXXX XXXX XXXX {$1400.00} and {$15000.00}. 
XXXX XXXX {$110.00}. XXXX {$2800.00}. 
XXXX XXXX {$560.00}. 
XXXX XXXX XXXX {$870.00}. 
XXXX XXXX {$68.00}. 
XXXX XXXX XXXX XXXX XXXX {$3200.00}. 
XXXX  of totaled vehicle {$400.00}. 
All of the above providers reached an agreement and settled. Except XXXX XXXX 
They were called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Always giving the full information needed for XXXX XXXX for their claim. XXXX XXXX was unreasonable to work with and turned over to collections.

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 2024-11-20 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: VA

Complaint narrative:
XXXX XXXX transferred/sold my original debt to XXXX XXXX XXXX a collection agency, in XXXX of XXXX. Even though XXXX XXXX  gave this debt to XXXX XXXX, they continued to report negative information on my credit report to all three credit bureaus, so this account was being reported twice from XXXX until XXXX when it was settled with XXXX XXXX. I disputed this with XXXX, TransUnion, and XXXX and all three bureaus stated it came back as a valid account, even though there is proof that XXXX Sold this debt. After I negotiated a pay to delete with XXXX XXXX, XXXX was and is still reporting this account. After XXXX sold my debt to XXXX XXXX, even though by law, they should have stopped reporting it on my credit report once it was sold. They were and still are reporting the account. This is directly affecting my reports in a negative way. I demand TransUnion, XXXX, and XXXX delete this account immediately, because reporting on a debt they legally have not owned for three years, is against the fair credit reporting act which governs accurate 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 2024-11-20 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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