vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
Ongoing FCRA Violations and Credit Reporting Discrepancies on my credit reports with XXXX, TransUnion, and XXXX, specifically related to the charge-off account with the account number XXXX, originally held with XXXX XXXX XXXX . 

Despite multiple disputes and XXXX XXXX 's confirmation that the account is not currently reporting, it persists on my credit reports. XXXX XXXX 's response on XX/XX/XXXX, clearly stated that " the credit bureaus are not displaying this account on your credit report. '' However, subsequent disputes with the three major credit reporting agencies ( CRA ) have yielded inaccurate verifications. 

This situation is further exacerbated by the XXXX representative 's statement on XX/XX/XXXX, asserting that XXXX XXXX needs to confirm that the account is no longer reporting to them not me. I find this perplexing, given that I have provided XXXX with my dispute letter to XXXX XXXX and the corresponding response, yet the account still reports as verified. 

Furthermore, the discrepancy in reporting among XXXX, XXXX, and TransUnion raises serious concerns about the accuracy and consistency of the information they rely on. If XXXX XXXX asserts that the account is not reporting, why do all three CRAs independently verify its presence? 

I want to bring to your attention three critical issues that require immediate resolution : 1. **Expiration of Reporting Period** : The XXXX XXXX charge-off account has exceeded the permissible seven-year reporting period under the FCRA. It should have been removed from my credit reports upon reaching this time limit. 

2. **Verification of Reporting** : Pursuant to the FCRA, I request verification of the accuracy of this charge-off account. Please provide the necessary documentation to substantiate its legitimacy. 

3. **Sold to XXXX XXXX** : This account was sold to XXXX XXXX , making it a violation of the FCRA to continue reporting it under XXXX XXXX XXXXs name.

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 2024-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ongoing FCRA Violations and Credit Reporting Discrepancies on my credit reports with XXXX, XXXX, and XXXX, specifically related to the charge-off account with the account number XXXX, originally held with Capital One Bank . 

Despite multiple disputes and Capital One 's confirmation that the account is not currently reporting, it persists on my credit reports. Capital One 's response on XX/XX/XXXX, clearly stated that " the credit bureaus are not displaying this account on your credit report. '' However, subsequent disputes with the three major credit reporting agencies ( CRA ) have yielded inaccurate verifications. 

This situation is further exacerbated by the XXXX representative 's statement on XX/XX/XXXX, asserting that Capital One needs to confirm that the account is no longer reporting to them not me. I find this perplexing, given that I have provided XXXX with my dispute letter to Capital One and the corresponding response, yet the account still reports as verified. 

Furthermore, the discrepancy in reporting among XXXX, XXXX, and XXXX raises serious concerns about the accuracy and consistency of the information they rely on. If Capital One asserts that the account is not reporting, why do all three CRAs independently verify its presence? 

I want to bring to your attention three critical issues that require immediate resolution : 1. **Expiration of Reporting Period** : The Capital One charge-off account has exceeded the permissible seven-year reporting period under the FCRA. It should have been removed from my credit reports upon reaching this time limit. 

2. **Verification of Reporting** : Pursuant to the FCRA, I request verification of the accuracy of this charge-off account. Please provide the necessary documentation to substantiate its legitimacy. 

3. **Sold to XXXX XXXX** : This account was sold to XXXX XXXX , making it a violation of the FCRA to continue reporting it under Capital One 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: AR

Complaint narrative:
This active debt is enrolled with XXXX XXXX XXXX  and I have been in the program for over a year and paid over {$3000.00} to this debt management company as they have this enrolled and this third-party company has a representative name XXXX now harassing me and making repeated phone calls For this debt that is already being managed and represented by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
1- fbcs inc XXXX XXXX XXXX XXXX Suit XXXX, XXXX XXXX XXXX XXXX XXXX ) sent my letters to connect {$10000.00} 2- fbcs calls me twice per week phone # XXXX XXXX time XXXX XXXX and XXXX time XXXXXXXX XXXX XXXX I want to stop calls and send letters because I am XXXX XXXX XXXX and have no income, receive money from Social Security only

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under 15 usc 1681i ( 7 ) EXPERIAN should have provided me with the results of their investigation. Instead they claim accounts were verified without providing me with a description of their investigation. This is a direct violation of my consumer rights.

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 2024-01-05 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: WI

Complaint narrative:
After reviewing my credit report I noticed inquires on my report which I did not do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete immediately

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
After reviewing my credit report I noticed inquires on my report which I did not do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete immediately

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 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Under the Federal Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy, on 15 USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
During the pandemic I XXXX XXXX XXXX and I made an arrangement with Bank of America, one month I was not able to pay and I called them to let them know about it, their representative told me that it was ok if i could not pay that month and that I could pay next month the same amount I always was paying ( they did not tell me that they accumulate the payments ) I never received information about this neither via email or mail and I knew about this matter after applying for a home loan and they told me about these late payments. 
Two weeks ago I called Bank of America to see if they could help me with this matter since it is affecting my credit and I told them that I didn't know that my payments were late ( They had known this situation since XXXX  ). They sent me a letter on XX/XX/XXXXXXXX  to let me know that they could not help with this.

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 2024-01-05 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: NY

Complaint narrative:
Ongoing FCRA Violations and Credit Reporting Discrepancies on my credit reports with Experian, XXXX, and XXXX, specifically related to the charge-off account with the account number XXXX, originally held with XXXX XXXX XXXX . 

Despite multiple disputes and XXXX XXXXXXXX XXXX confirmation that the account is not currently reporting, it persists on my credit reports. XXXX XXXXXXXX XXXX response on XX/XX/XXXX, clearly stated that " the credit bureaus are not displaying this account on your credit report. '' However, subsequent disputes with the three major credit reporting agencies ( CRA ) have yielded inaccurate verifications. 

This situation is further exacerbated by the Experian representative 's statement on XX/XX/XXXX, asserting that XXXX XXXX needs to confirm that the account is no longer reporting to them not me. I find this perplexing, given that I have provided Experian with my dispute letter to XXXX XXXX and the corresponding response, yet the account still reports as verified. 

Furthermore, the discrepancy in reporting among Experian, XXXX, and XXXX raises serious concerns about the accuracy and consistency of the information they rely on. If XXXX XXXX asserts that the account is not reporting, why do all three CRAs independently verify its presence? 

I want to bring to your attention three critical issues that require immediate resolution : 1. **Expiration of Reporting Period** : The XXXX XXXX charge-off account has exceeded the permissible seven-year reporting period under the FCRA. It should have been removed from my credit reports upon reaching this time limit. 

2. **Verification of Reporting** : Pursuant to the FCRA, I request verification of the accuracy of this charge-off account. Please provide the necessary documentation to substantiate its legitimacy. 

3. **Sold to XXXX XXXX** : This account was sold to XXXX XXXX , making it a violation of the FCRA to continue reporting it under XXXX XXXX XXXX name.

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 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: DC

Complaint narrative:
The company, Robinhood, did not inform me that I would be charged a {$100.00} fee to transfer/close my brokerage account. They charged me after the fact. The information is only posted on their FAQs, which was not highlighted to me. If I had known, I would have found a different way to close my account without a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
I have inaccurate inquiries and information reported on my Credit Report and I have not received any goods or services from any of these transaction. This goes against my rights as a federally protected consumer per the Privacy Act of 1974, 15 USC 1681, UCCC 1974,15 USC 6802, and 12 CFR 1026. I am entitled to the damages sustained by the consumer reporting agencies of {$1000.00} according to 15 USC 1681n Civil Liabilities. 

Enclosed are the following consumer reporting agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed I have attached an FTC report, Affidavit of Signature, passport, current lease for identity verification, and XXXX Personal & Confidential page.

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 2024-01-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have inaccurate inquiries and information reported on my Credit Report and I have not received any goods or services from any of these transaction. This goes against my rights as a federally protected consumer per the Privacy Act of 1974, 15 USC 1681, UCCC 1974,15 USC 6802, and 12 CFR 1026. I am entitled to the damages sustained by the consumer reporting agencies of {$1000.00} according to 15 USC 1681n Civil Liabilities. 

Enclosed are the following consumer reporting agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed I have attached an FTC report, Affidavit of Signature, passport, current lease for identity verification, and XXXX Personal & Confidential page.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I paid debt {$77.00} on XX/XX/2023 for my dr visit balance that went to carter young debt collection agency. Here I am today and being harassed by phone calls. Please stop calling me. THE DEBT WAS PAID IN FULL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: GA

Complaint narrative:
They try to charge extra fees turned and repossed with me knowing after paying and engine was no good

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: NC

Complaint narrative:
Hello, I have sent money ( amount of XXXX USD + Processing fee of XXXX USD ) for my family 's medical assistance in XXXX on XX/XX/2023 from XXXX XXXX located on XXXX XXXX XXXX, XXXX, NC XXXX via Ria Money Transfer service using my debit card. The transaction was cancelled and was not delivered to my family. on XX/XX/2023 I directly called Ria Money transfer telephone number and asked them to re-attempt the cancelled transaction over the phone, which they did and I was assured the money will be delivered next day. The money was not delivered this time either and the transaction was cancelled for the second time. I was told by Ria agents that I will get a refund of the original amount within 7 - 10 business days on my debit card. The last transaction attempt was made on XX/XX/2023 and I have not received my refund even after waiting 10 days. I have called Ria money transfer Settlement department and lodged a complaint ( Case Number XXXX ) and they assured me I will get my money back with in two days which I did not. I have confirmed from my bank that there is no pending deposit from this particular agent. No matter how many times I call this agency, I am being lied to on a daily basis. This is a hard earned money That I trusted this agency to deliver and was robbed on a broad day light. I am reaching out to your bureau to intervene and help me get my money back. 
Best Regards!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: PA

Complaint narrative:
Just got off the phone with XXXX XXXX  and XXXX XXXX, I was never notified that XXXX XXXX has bought my debt from XXXX XXXX  and now my charged off account is in collections, I have the right to privacy and the right to accurate and proper credit reporting on my consumer report I have sent a letter to the company rescinding all agreements I have ever made allowing them to share any of my personal information with anyone and especially never gave them the ok to share my personal information such as name, address, social security with XXXX, TRANSUNION, XXXX, nor anyone else, by law they need to notify me in writing stating they will be sharing my private, personal information with anyone! They have never notified me of the above in writing, also the amount owed to XXXX XXXX  is incorrect and inaccurate information and I have the right to proper reporting! In which it is inaccurate reporting and needs to be deleted and removed immediately! It goes against the fair credit reporting act, XXXX XXXX  is showing that I have a charge off with them, although I no longer have a charge off with XXXX XXXX they have had sold my debt to XXXX XXXX collection in which I was never ever notified in writing of such change and that they are in possession of my account, non the less the information on my credit report is 100 % inaccurate and false! The account is now in collections with XXXX XXXX it is illegal to report a charge off when it is has become a collection account! Please have XXXX XXXX  immediately delete this off my credit report! Have the entire account deleted due to false and inaccurate reporting!!!! the total that I had owed is {$880.00}! I have the right to an accurate proper credit report! It is inaccurate and incorrect in which it goes against the FCRA, bank book keeping must be 100 % accurate at all times down to the penny! Have this account deleted immediately!

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