vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX, I initiated a wire transfer from my account with Digital Federal Credit Union ( XXXX ) to my daughter 's IRA account before the XXXX XXXX XXXX deadline for same-day processing. The time of the transaction was XXXX XXXX XXXX. Despite multiple verbal confirmations from XXXX that the transfer would be processed the same day, it was not completed until XX/XX/XXXX. This delay caused the IRA contribution to miss the tax deadline, rendering the contribution ineligible for tax year XXXX benefits. 

Despite numerous calls to XXXX requesting a written statement explaining the delay was due to their error, all attempts were dismissed. XXXX only provided a log of the date and time without acknowledging their fault in writing. We needed a formal acknowledgment that the delay was XXXX 's responsibility to assist with an IRA administrator 's exception request but did not receive 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 non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This debt was owned by a previous debt collection company known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX and now XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This debt has been sold and traded between these companies without my permission. I was sent a letter claiming a debt of a different amount from the following company claiming owed by the same original debtor with the same account number. I requested further documentation such as a full account summary and the original contract with a wet ink signature, this has not been provided. This debt is being reported as some {$63.00} and paid, I HAVE NEVER PROVIDED ANY PAYMENT INFORMATION TO THIS COMPANY. This has been disputed. XXXX Report Number XXXX My information was sold to And purchased by PRO COLLECT XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. PRO COLLECT was in violation of my consumer rights so reported this debt as paid and then sold it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX placing them in violation of 15 U.S.C 1692g, 15 U.S.C 1692e misrepresenting the amount owed, possessing my sensitive information without my consent, and have not been able to produce a license number to confirm they are legally able to collect such debt. Upon sending them a letter to validate the debt by requesting the original contract with my signature and the full account history they have not been able to provide 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 2024-05-15 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: TX

Complaint narrative:
There are fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As of XX/XX/XXXX, XXXX XXXX, account number XXXX is showing up on my credit report. The last payment was reported XX/XX/XXXX. The account is too old to still be reported.

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 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
I am a XXXX yr old XXXX XXXX a company called Spring Oaks Capital LLC. Has been harassing me with unsolicited phone calls throughout my day on a daily basis. They showed up on my credit report negatively impacting my credit and my life. This started on XX/XX/2024 that I could remember. I do not recognize this company at all, and I do not recall doing any such business with them. They claimed I owe them {$3000.00}. I reached out to them for more information and met with no successful respond from them. Please assist me with this urgent matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: PA

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

15 U.S.C 1681 section 602 A.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: PA

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

15 U.S.C 1681 section 602 A

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I requested a debt validation letter form RENTDEBT AUTOMATED COLLECTIONS as a result of a dispute investigation that was performed and resulted in the result being verified as accurate. I called again on XX/XX/XXXX and requested a debt validation letter again and it was never received. I called in on XX/XX/XXXX to request the debt validation letter and the company stated that it was sent out via mail on XX/XX/XXXX but because XXXX XXXX name was input incorrectly it prevented me from receiving the document. After reading the FCRA 15 USC 1681 ( a ), I now realize that credit reporting must be fair and accurate. Sub Section XXXX, states that consumers have the right to privacy. My privacy has been grossly violated and this company is party to libel, slander, and defamation of my character. They are reflecting a balance of {$19000.00} and has reported that information to other companies including tenant screening companies, consumer reporting agencies as well as major consumer credit reporting bureaus such as XXXX XXXX and XXXX. This has heavily impacted the pursuit of happiness and is not fair or equitable to me in any way and the deletion of this debt is eligible under the FCRA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: LEXISNEXIS
State: PA

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

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

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

15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: IL

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint because this is the third time I have reported my identity theft, and no action has been taken. The credit bureau has not responded to my disputes, nor have the companies involved. I feel my rights as a consumer are being violated. I am the victim here and can not get the proper help or response from the credit reporting agencies. If no action is taken soon, I will pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
Innovative Recovery continues to harass me by sending the same letter frequently. They should have verified and confirmed the validity of the debt. The original creditor, XXXX XXXX, went out of business years ago. The amount they are asking for is incorrect.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CarMax, Inc.
State: GA

Complaint narrative:
Noticed that although this account was included in XXXX XXXX XXXX. It is still reporting as a charge off and I am receiving updates although I filed for XXXX in XX/XX/XXXX. XXXX XXXX in XXXX of XXXX but yet Carmax is still reporting on my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: IN

Complaint narrative:
More than XXXX issue. The information on my credit was merged with someone elses because our social security numbers differ by XXXX digit. I got his bad credit on my credit and it affected myself and family greatly. Had to call and report items for over a year and it was finally removed all of the items but my credit is bad still due to this even after a year or XXXX. 

The other issue is I have disputed a lot of other items on my credit as well and they are not removed. Along with negative items that were not removed and stayed on for longer than allowed. Which affected me in getting another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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:
I am writing to highlight the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section XXXX ( a ). This section underscores the crucial role of consumer reporting agencies ( CRAs ) within our financial system and emphasizes the need to treat consumers fairly, impartially, and with respect for their privacy rights. 
Given that both XXXX and XXXX function as consumer reporting agencies, it is essential that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure the confidentiality of my private information and to prevent unauthorized sharing. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy. 
Furthermore, according to 15 U.S. Code 1681, Section XXXX ( a ) ( XXXX ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Unfortunately, this requirement has not been adequately met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( XXXX ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( XXXX ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. It appears that XXXX and XXXX are falling short in meeting these standards. 
I HAVE PROVIDED NO WRITTEN CONSENT REASONABLE PROCEDURES WERE NOT MAINTAINED PROPER AUTHORIZATION WAS NOT GIVEN MY PRIVACY WAS VIOLATED Thank you for your attention to this matter

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 2024-05-15 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:
My wife and I reviewed our credit reports and noticed we have XXXX XXXX listed on our reports. We have sent letters to the bureaus requesting info on who reported them to the bureaus. We specifically asked for METHOD OF VALIDATION. According to the FCRA, each bureau has XXXX business days to respond to a request for method of validation for a bankruptcy. We have TWICE requested this information within XXXX months from the bureaus, and none of them have responded with this information. The bureaus have not demonstrated that they have properly validated the XXXX information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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:
My wife and I reviewed our credit reports and noticed we have XXXX XXXX listed on our reports. We have sent letters to the bureaus requesting info on who reported them to the bureaus. We specifically asked for METHOD OF VALIDATION. According to the FCRA, each bureau has XXXX business days to respond to a request for method of validation for a XXXX We have TWICE requested this information within XXXX months from the bureaus, and none of them have responded with this information. The bureaus have not demonstrated that they have properly validated the XXXX  information reported.

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 2024-05-15 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: IN

Complaint narrative:
My wife and I reviewed our credit reports and noticed we have XXXX bankruptcies listed on our reports. We have sent letters to the bureaus requesting info on who reported them to the bureaus. We specifically asked for METHOD OF VALIDATION. According to the FCRA, each bureau has 15 business days to respond to a request for method of validation for a bankruptcy. We have TWICE requested this information within 2 months from the bureaus, and none of them have responded with this information. The bureaus have not demonstrated that they have properly validated the bankruptcy information reported.

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 2024-05-15 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: WA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-15 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account number 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 also states a consumer reporting agency can not furnish a account without my written instructions. 

Reporting multiple amounts as well.

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