vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 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: CA

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as trascation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct 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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I was reviewing my credit report after receiving notice that my scores went down in XXXX of 2019. I saw that debt had been added to my credit report. I disputed the debt with all 3 credit bureaus. They all came back and said it meets the FCR reporting act. They did not provide enough information to verify identity or that account belongs to me. I asked for original contract and verification of the debt which I have never received. They are trying to collect on a debt from from a utility company in XXXX and i live in georgia.The date of last payment on the account was in 2019. I called talquin to verify that was the case and it had fallen off my credit. Online information services renewed the debt to appear that became delinquent in XXXX of 2019 which is a misrepresentation and is illegal to do. You are not allowed to not verify a debt or send original contract and just make up dates to impact my credit. It is past the time for reporting and it needs to be removed before I take a more legal approach. I have never done business with this company and they are scamming to try and get a debt paid that is past the statute of limitations and they can not prove or verify the debt.In accordance with the Fair Credit Reporting act ONLINE INFORMATION SER Account XXXX XXXX, has violated my rights. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I am unaware of this debt from CNAC in the amount of {$9700.00} on XX/XX/XXXX. I was not given the opportunity to dispute this information prior to placing it on my credit report. If you believe I was given proper notification, please provide the certified mail receipt with my signature on it. If you aren't able to provide that please remove this from my credit report immediately. I sent a letter to CNAC via certified mail. It was delivered on XX/XX/XXXX and I received no response. You have violated my rights by not responding to my request to give me the option to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: PNC Bank N.A.
State: CO

Complaint narrative:
IN 2021, BBVA banking sold my mortgage to PNC Bank. At the time I was paying BBVA bimonthly and they would hold the first payment until the second arrived. When PNC took over, I continued to make the biweekly payments from my bill pay account. But they would send the first back as an incomplete payment before the second payment arrived resulting in late payments. I spoke with someone on the phone and he said that PNC also had that program, but I would have to pay to use it. I said that was fine but I would just mail the full payments instead of continuing the biweekly payments. Then I sent checks in and the checks were not cashed. I called to find out why the checks were not being cashed and was told they had not received them, but that it was not a problem they were going to put me in a COVID deferral program and I would receive documents on that within 30 days and not to worry about the missing checks. I received an approval letter and called weekly about the documentation. A month later I called again and was told that it was denied after all as I was now four months behind ( despite that I was told not to worry about the missing checks ) and that they were putting me in foreclosure. I told them I had the money as I had had it all along, yet multiple calls and no one would tell me the amount to pay to resolve the issue. I then received an email stating that the missing checks had been received, but they had gone to the old address and would not be cashed. Following that I received a mortgage acceleration letter. I finally found a customer service person who took pity on me and gave me the amount to take to the bank to resolve the issue before the legal department even moved forward with the foreclosure. However, they put multiple late payments onto my credit report including 120+ days. I have sent letters, spoke with their executive team and had a lawyer contact them and they refuse to resolve the issue removing the late payments from my credit saying that despite that I had been paying BBVA biweekly that they were not obligated to honor that and that I should have received a welcome letter with the change of address which I did not and my payments were automatic through my bill pay service. This is hands down the worst banking service I have ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: TX

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 U.S.C 1681. 

( XXXX XXXXXXXX XXXX  XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX  # XXXX ) ( XXXX XXXX XXXX  # XXXX ) ( XXXX XXXX XXXX XXXX  # XXXX ) ( XXXX # XXXX ) ( XXXX XXXX XXXX XXXX  # XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an 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 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 related to a 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 2024-07-18 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: CA

Complaint narrative:
XXXX took nearly three months as i submitted a complaint in XXXX and now in XXXX i got an email saying nothing was changed. its ruining my chance of getting a car, an apartment, or new lines of credit to allow me to escape poverty after lossing my job from covid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: CA

Complaint narrative:
XXXX took nearly three months as i submitted a complaint in XXXX and now in XXXX i got an email saying nothing was changed. its ruining my chance of getting a car, an apartment, or new lines of credit to allow me to escape poverty after lossing my job from covid

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 2024-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
firstnark student loans has ruined my credit- I had XXXX XXXX XXXX they repoirted me as late to the credit bueraus causing my credit to go down to XXXX i have asked a XXXX  times about loan forgiveness - was not aware these loans were private and not federal loans. They ruined my credit!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On the report it reflects that multiple inquiries were made between XX/XX/XXXX until XX/XX/XXXX which is inaccurate from car dealerships and other inquiries pertaining to credit. I have not made such inquiries and need this information to be reviewed and removed from my credit report please. I believe my information has been handled inappropriately.

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 2024-07-18 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: AppFolio, Inc.
State: VA

Complaint narrative:
The information disclosed on my consumer report is unverifiable and inaccurate. The law states that records must be removed from consumer reports if the information is unverifiable or inaccurate. I have not provided my physical signature allowing the disclosure of this information on my rental screening reports and the XXXX XXXX XXXX XXXX has confirmed that they do not release information to third party providers. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-18 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a credit card from Citi, and I activated it. After that, I went to add it to XXXX XXXX on my phone and my account was locked for fraud. I called Citi and asked to unlock it, and they said I couldn't use my phone number to verify my identity, and asked for a family member 's phone number. I provided that, and that number also didn't work. Citi then said they would send a letter and I could call them back when I get it to verify the account in a week. The card is now locked for a whole week for no reason.

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 2024-07-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Law 15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay debt that the debt collector must cease all communications

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Based on most recent response by the Comenity Capital Bank, they confirm that they opened/created a new account under my name without my consent : " On XX/XX/XXXX, we received a claim of fraud that you submitted through the credit reporting agencies. As a result, the account ending in XXXX was closed, and a new account ending in XXXX was created and the valid balance was transferred to the new account '' Yes, I did report this bank as fraudulent as that's what this bank is. So this bank now can simply open new accounts as much as they want with whatever balance they wish under my name?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On the date of I believe my XXXX XXXX  on what appears to be XX/XX/XXXX I sent my sister out with my debit card and phone to add the cash to my debit card from my XXXX  I had about XXXX dollars from my parents and relatives however I wasn't able to add that instantly so I sent my sister out to get some XXXX between 2 days put onto my cash app card however she would go on to later while I was sleeping use my phone keep in mind she's my step sister and it's XXXX  and is heavily self-centered not her own fault she would use my money on some kind of XXXX XXXX XXXX  that I'm not able to find out what it is to but XXXX dollars worth of XXXX  I wasn't aware of this because I don't use my cash app for anything other than subscriptions such as XXXX XXXX XXXX XXXX and occasionally XXXX XXXXXXXX XXXX there is no record of me buying XXXX  at any point that I remember I'm personally not interested in it and there is no way in the last 2 months that I have bought any XXXX  now cash app claims that quote on quote according to what I'm seeing that I authorize this purchase however I did not and I'm not sure what to do ... the {$700.00} was sent to somebody named XXXX XXXX and I'm not sure who that is and I've never sent money to him at all until what apparently is XX/XX/XXXX at around XXXX and I'm not sure what to do... much help would be appreciated as when it comes to XXXX  there's not much I really can do and there's no way I can prove or disprove that I gave permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I worked at U.S. Bank and opened a checking account with them. I left in XXXX of 2022. 
I contacted them on XX/XX/2022 to have the account closed and was notified that I was {$73.00} overdrawn and I needed to transfer the {$73.00} to the account to close it. I transferred the funds and was notified the account was closed. I recently tried to open an account at XXXX XXXX XXXX XXXX and was turned down due to negative reporting from XXXX. U.S. Bank reported a charge off to XXXX in the amount of {$420.00}. U.S. Bank DID NOT CLOSE MY ACCOUNT UNTIL XX/XX/XXXX of 2022, more than XXXX months after they told me it was closed. So ... during that period they allowed a charge to go through and NEVER informed me of the charge. I worked in that branch, they had monthly contests regarding opened and closed accounts, they kept it open to help with their standings. I asked them to remove the Charge Off, they refused.

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 2024-07-18 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: CA

Complaint narrative:
I was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health due to this inaccurate information 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 non-monetary relief