vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Asset Recovery Solutions, LLC
State: CA

Complaint narrative:
I have previously contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX regarding a loan that has been discharged. I received Copy-B of a 1099-C and the alleged debt is now income. I do not owe any debt to any of these parties. Pursuant to 15 USC 1681a, a consumer report does not include information solely as to transactions or experiences ( ie. payment history, charge off status ) between the consumer and the person making the report. Furthermore, 15 USC 1681s-2 states that 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. No one can collect on a discharged debt. Income can not be reported on a consumer report. The IRS defines a charge off as income, income does not get reported on a consumer report, meaning the reporting of the account is inaccurate. All parties have been put on notice that they are furnishing inaccurate information. XXXX XXXX XXXX XXXX also violated the agreement by sharing my information with nonaffiliated third parties. I have no contract with XXXX XXXX XXXX or XXXX XXXX XXXX XXXX and do not owe them any debt. Under the Privacy Act of 1974, I have a right to privacy. Im  revoking any and all authorization I, the consumer, may have given them written, non written, verbal, and nonverbal per 15 USC 6802. XXXX XXXX XXXX shall promptly return all Federal Reserve Notes I have mistakenly sent them per XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX shall stop contacting me about an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
I have previously contacted XXXX XXXX XXXX XXXX, XXXX XXXX, Velocity Investments LLC, and XXXX XXXX XXXX XXXX regarding a loan that has been discharged. I received Copy-B of a 1099-C and the alleged debt is now income. I do not owe any debt to any of these parties. Pursuant to 15 USC 1681a, a consumer report does not include information solely as to transactions or experiences ( ie. payment history, charge off status ) between the consumer and the person making the report. Furthermore, 15 USC 1681s-2 states that 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. No one can collect on a discharged debt. Income can not be reported on a consumer report. The IRS defines a charge off as income, income does not get reported on a consumer report, meaning the reporting of the account is inaccurate. All parties have been put on notice that they are furnishing inaccurate information. XXXX XXXX XXXX XXXX also violated the agreement by sharing my information with nonaffiliated third parties. I have no contract with Velocity Investments LLC or XXXX XXXX XXXX XXXX and do not owe them any debt. Under the Privacy Act of 1974, I have a right to privacy. Im revoking any and all authorization I, the consumer, may have given them written, non written, verbal, and nonverbal per 15 USC 6802. XXXX XXXX XXXX shall promptly return all Federal Reserve Notes I have mistakenly sent them per 12 CFR 1026.11. Velocity Investments LLC and XXXX XXXX XXXX XXXX shall stop contacting me about an alleged debt.

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 2024-03-26 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: FL

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 XXXX ( 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 2024-03-26 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: FL

Complaint narrative:
XXXX, Tuesday XX/XX/2024, I reviewed my Experian credit report on line and I saw some wrong information. Therefore when I was given the online option to file a dispute and correction to my report, I was able to do so on one of the two credit entries that I identified as incorrect. The reason I was unable to correct the other disputed account is because the Experian screen did not display that account even though it is on my credit report. I tried three times unsuccessfully. This is when I was alerted that the disputed account is not an error, but a fraudulent use of my credit profile. Therefore, I called the Experian phone number to dispute credit entries. Again I ran into a frustrating experience with their automated system. Even when I entered the requested information on my phone 's keypad the response was to repeat the entry. After another forty minutes of this system malfunction including programmed refusal to be connected with a human being I decided to file a complaint. This type of unethical customer service where businesses are abusing use of their automated systems should be stopped. I also found it highly suspicious that the fraudulent account was not displayed on the Experian screen where I could enter my dispute. But it is displayed on my credit report and used to evaluate my credit score. I have attached a copy of the fraudulent account on my credit profile and I demand that Experian remove it immediately. I never opened this account and have no knowledge about it.

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 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: COLUMBIA BANKING SYSTEM, INC.
State: FL

Complaint narrative:
My checking account at Umpqua bank was closed without any formal letter or information on XX/XX/year>, the last time I went to my online banking was XX/XX/XXXX. 
Since that date I been waiting the cashier check for the balance of the closed account. 
Im not US resident to go to a branch and request the balance, Im XXXX living in XXXX, and I dont have any plan trip for this year.

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 monetary relief
Consumer complaint received 2024-03-26 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: MI

Complaint narrative:
Issue : Despite clear evidence of violations provided, TransUnion has chosen not to remove the debt, even though there have been no changes to the report. 

TransUnion Violations : 1. Failure to Provide Comprehensive Verification ( Code : TU-V1 ) : TransUnion neglected to conduct a reasonable reinvestigation within the mandated timeframe, as evidenced by insufficient documentation from Medical Merchants Credit . This contravenes FCRA Section 611 ( a ) ( 1 ) ( A ) and the corresponding Metro 2 standard, Field 76.

2. Delay in Responding ( Code : TU-V2 ) : TransUnion failed to respond within a reasonable period despite my letter dated XX/XX/2024, thus violating FCRA Section 611 ( a ) ( 1 ) ( A ) and the Metro 2 standard, Field XXXX. 

XXXX XXXX XXXX Violations : 1. Failure to Provide Comprehensive Verification ( Code : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  's documentation inadequately links the debt to me, violating FCRA Section 611 ( a ) ( 1 ) ( B ) and Metro 2 standard, Field 76. 
XXXX. Neglecting to Address Dispute ( Code : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  failed to promptly investigate and address my dispute, breaching FCRA Section 611 ( a ) ( 2 ) and the corresponding Metro 2 standard. 
XXXX. Shifting Burden of Proof to Consumer ( Code : XXXX ) XXXX XXXX XXXX XXXX  wrongly shifted the burden of proof to me, contravening FCRA Section 611 ( a ) ( 6 ) and its Metro 2 counterpart.

Please note that legally, since there were multiple FCRA violations, the assertion that this information is true and accurate must be deleted from 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was just looking over my credit report on XXXX XXXX and found some addresses that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Experian continue to report my name, my address and phone number incorrect on 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 explanation
Consumer complaint received 2024-03-26 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:
Ignores all of my hand written request never wants to furnish who they have spoken too to say they've completed investigation refused to furnished names of parties spoken too and refused to answer as to how they have violated my consumer laws completely

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 2024-03-26 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:
Ignores all of my hand written request never wants to furnish who they have spoken too to say they've completed investigation refused to furnished names of parties spoken too and refused to answer as to how they have violated my consumer laws completely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 non-monetary relief
Consumer complaint received 2024-03-26 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: TN

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 XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXccount Number : XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

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 non-monetary relief
Consumer complaint received 2024-03-26 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:
I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts are not accurate XXXX  account ' acct # XXXX XXXX XXXX XXXX acct # XXXX XXXXXXXX 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 2024-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I got XXXX  because the bank did not provide stringent security measures to prevent the transaction from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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:
An accordance with the fair credit reporting act the this account below Has violated my federally protected consumer rights to privacy and confidentially under under USC 1681 section 602 a. Account name XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 a States I have the rights to privacy 15 USC section 609 a section 2 Also states a consumer reporting agency can not furnish a account With out my written instruction. 15 USC 168c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) a A person shall not furnish any information relating to consumer reporting agency if the person know 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
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Subject : Urgent Dispute and Documentation Request for CitiCards Account No. Ending in XXXX Dear Sir/Madam, I am reaching out to urgently request the Consumer Financial Protection Bureaus intervention regarding discrepancies and unresolved issues with my CitiCards secured credit account, ending in XXXX. This account was initiated on XX/XX/XXXX, with a {$200.00} deposit aimed at credit rebuilding. 

Key Concerns : 1. Unexplained Interest and Balance Discrepancies : Post deposit, I noted accruing interest, leading to an unexpected balance that contradicted my credit rebuilding intent.

2. Credit Report Inconsistency : My XXXX report dated XX/XX/XXXX, indicates a {$310.00} debt, conflicting with my XX/XX/XXXX, statement showing $ XXXXbelow my initial deposit. 
XXXX. Account Charge-Off : Despite unclear communication, the account was closed and charged-off at {$310.00} around XX/XX/XXXX. 

Requests for CFPB Action : - Investigate and clarify the basis for the {$310.00} charge-off and report discrepancy. 
- Detail how my {$200.00} deposit was utilized against the accounts balance.

- Provide insights into the interest charges leading to the current reported balance.

This situation is critical as I am endeavoring to rectify my credit report for imminent financial activities. I have attempted to resolve these issues directly with CitiCards but have not received satisfactory responses or documentation.

Attached are relevant documents, including my credit report updates and the final account statement. I respectfully request CFPBs assistance in rectifying these discrepancies within the 30-day response period mandated by the FCRA and FCBA.

Your immediate attention to this matter will be greatly appreciated as I seek to ensure the integrity of my credit 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 2024-03-26 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: FL

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 XXXX ( 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, XXXX, and Transunion 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 non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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 XXXX ( 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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It seems that every year when I request online an annual credit report from Experian, the website states that it can not be done online. Their response is, and has been in the past, : " A condition exists that prevents Experian from being able to accept your request at this time. '' Something tells me this is baloney. XXXX and XXXX seem to be able to do it flawlessly. 

It doesn't seem that Experian is following the spirit of the law by always disallowing an online request. 

XXXX they are XXXX  you and me around.

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