vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> LVNV XXXX XXXX XXXX XXXX, SC XXXX Re : Request for Substantiation of Account # XXXX Dear Sir or Madam : Your firm has incorrectly listed an account in reference to a debt your firm alleged that I owe. [ In the amounts of {$880.00} ]. 

I would like more information about this alleged debt. 

XXXX. The signed contract or application that created the debt, or, if neither exists, a copy of a document given to the alleged debtor while the account was active, demonstrating that the debt was in fact incurred by the debtor. If the debt was incurred under a revolving credit account, this could include the most recent monthly statement showing a purchase, payment, or balance transfer ; and XXXX. The account statement at charge-off, or equivalent document, that the original creditor issued to the consumer ; and XXXX. A statement describing the debts complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale and transfer ; and XXXX. Records showing the amount and date of any prior debt settlement agreement in connection with the debt agreed to after the effective date of these regulations. 


The regulation further requires that you provide substantiation to me within 60 days of your receipt of this request for substantiation, and that in view of my request for substantiation, you must cease collection until substantiation has been provided, delete this debt and report to all XXXX Credit Bureaus. 

Please send substantiation of the debt to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under XXXX5 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ID Analytics, Inc.
State: IN

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding unauthorized activities involving my personal information and credit profile. I declare under penalty of perjury, pursuant to the laws of the United States, that the following statement is true and accurate to the best of my knowledge. 
I am aware of my rights under both federal and state law to file this dispute, and I understand the serious consequences associated with any intentional misrepresentations or omissions of material facts, as outlined in 18 U.S.C. 1001 and 18 U.S.C. 1621. 
The discrepancies highlighted within my credit report, as outlined in the accompanying documentation, do not correspond to any transactions initiated or authorized by myself. I allege that an unknown individual or entity has unlawfully utilized my personal identifying information to secure goods, services, or financial resources, resulting in the unauthorized creation of accounts.This matter deeply concerns me, and I seek your urgent assistance in investigating this issue. I trust in the Federal Trade Commission 's commitment to addressing such fraudulent activities and safeguarding the rights of individuals under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
In reference to ACCT XXXX with Ally Bank/Financial . I mailed a request for debt validation by certified mail via the United States Postal Service. I received notification on XXXX XXXX the certified mailing was received and signed for at the headquarters of Ally Bank/Financial . I will enclose copies of the debt validation letter, signed card along with official delivery record from the US Post Office for your review. 
As of XX/XX/XXXX. 2024 I still havent received a written response from them.In addition to this non-compliance of the Fair Debt Practices Act 15 USC 1692g ; they have added another negative item on my credit report on XX/XX/XXXX & XX/XX/XXXX. 2024. I politely asked once the letter was received ( XX/XX/XXXX ) that they take no negative action on my report until they responded to me.

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 2024-05-02 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-05-02 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts and address listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681e ( b ), s ( 2 ), i ( 5 ), 1. XXXX XXXX, Account # XXXX XXXX, has violated my rights. 
2. XXXX XXXX XXXX XXXX, Account : # XXXX XXXX has violated my rights. 
3. XXXX XXXX XXXX XXXX Account : # XXXX XXXX  has violated my rights. 
4. XXXX XXXX XXXX XXXX, Account : # XXXX XXXX & XXXX XXXX has violated my rights. 
5. XXXX XXXX XXXX, Account : # XXXX XXXX & XXXX XXXX, has violated my rights. 
6. XXXX, Account : # XXXX XXXX has violated my rights. 
7. XXXX, Account : # XXXX XXXX has violated my rights. 
8. XXXX XXXX XXXX, Account : # XXXX XXXX XXXX XXXX has violated my rights. 
9. XXXX XXXX XXXX Account : # XXXX XXXX, has violated my rights. 
10. XXXX XXXX, XXXX XXXX, has violated my rights. 
11. XXXX, Account : # XXXX XXXX, has violated my rights. 
12. XXXX XXXX XXXX, Account : # XXXX XXXX has violated my rights. 
12. XXXX XXXX, Account : XXXX XXXX, has violated my rights. 
13. XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In addition to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

I looked at my XXXX credit report on XX/XX/2024, 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CORELOGIC INC
State: IN

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding unauthorized activities involving my personal information and credit profile. I declare under penalty of perjury, pursuant to the laws of the United States, that the following statement is true and accurate to the best of my knowledge. 
I am aware of my rights under both federal and state law to file this dispute, and I understand the serious consequences associated with any intentional misrepresentations or omissions of material facts, as outlined in 18 U.S.C. 1001 and 18 U.S.C. 1621. 
The discrepancies highlighted within my credit report, as outlined in the accompanying documentation, do not correspond to any transactions initiated or authorized by myself. I allege that an unknown individual or entity has unlawfully utilized my personal identifying information to secure goods, services, or financial resources, resulting in the unauthorized creation of accounts.This matter deeply concerns me, and I seek your urgent assistance in investigating this issue. I trust in the Federal Trade Commission 's commitment to addressing such fraudulent activities and safeguarding the rights of individuals under 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 explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XXXX of 2023, my account was frozen an i could not sign in or have any access to account. When i called the bank they told me i had to send a notarized letter so they can comunicate with me. Since i was outside country i wasnt able to provided this information. On XXXX of this year when i returned to the country i called the bank again but they were able to verify my identify by sending a text to my phone. It was the bank was able to communicate with me and they explained that my account was closed because i didnt sent the notarized letter as requested. They then explained that the account was put on hold because of suspecious activity. When i asked about the funds that were in the account they explained that it was sent to unclaimed property. When i asked what in what state for unclaimed property they explained they didnt know. I continued to call several weeks later until someone from the bank XXXX department was able to reseach further on my account and agreed to reopen a new account for me and have the funds that was in the other closed account put into the new account. On XXXX the new account was opened and i was told to wait for the funds to be returned. Today is XX/XX/XXXX and the funds has still not been put in the new account like they explained. I have been calling weekly only to be told to just wait. XXXX is able to give me qny other solution and i have been waiting for 3 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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:
Tho account was not charged off I paid it In full I would like it removed off of all XXXX credit bureaus they are all reporting differently

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Tho account was not charged off I paid it In full I would like it removed off of all XXXX credit bureaus they are all reporting differently

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 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
So my tenants were approved for rentals assistance in 2022 by Georgian rental assistance program DCA. As at that time my fianc was with and I gave her bank account info with wellsfargo to DCA to make the payment. The first of {$1200.00} came in for a month because they were two tenants who was approved, others werent. Late on they deposited all outstanding payment for both tenants which was amounting to about {$43000.00} into the checking account on XX/XX/year>. They put the account on hold after three days and when we contacted them they said they wanted to verify the source of payment and they said theyve sent DCA information and they needed DCA to answer them before they release the payment. On contacting DCA they said they didnt get any request from the bank and they fund is with wellsfargo. Wellsfargo later closed the account promising to send my fianc a check for the money in her account but never did and DCA said there was no return of payment because thats what I asked them to do if they couldnt release the payment. Ive lost my ability to walk. Currently disabled thats why I needed my fianc to help me. Till now, Wellsfargo has refused to release or return the payment. The last time I called myself, they said theyll release the payment once my fianc visits the bank or called, when she did, they still didnt release nor return the payment. Sometime when I called, an agent told me its with Georgia unclaimed funds which I dont know why or what that means. 

Ill attach the screenshot of the payment profile with DCA and when my fianc got the money into her account but wasnt returned to DCA even after it was removed from her account Please help me I need this money

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 2024-05-02 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: AZ

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged {$20.00} copay for a XXXX XXXX XXXX visit on XX/XX/2024. However, the doctor did not provide any service to me. I have filed complaint with XXXX but it won't issue me a refund. I contacted Bank of America and filed a dispute. The bank asked me for all sort of documents such as invoice/receipt which I do not have. Instead of requesting the documents with XXXX, they denied my claim outright. They didn't even attempt to contact the merchant on my behalf to resolve the claim. 

I made complaint to Bank of America executive team and social media XXXX website but no one is willing to help. I have been a loyal customer with this bank for over 30 years. I do not deserve to be unfairly treated. This credit card company does not provide any consumer protection to the cardholder.

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 2024-05-02 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: AZ

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