vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
Dear MBA LAW, I am writing to express my serious concerns regarding Account # XXXX  your unauthorized access to my personal information, which is a clear breach of my privacy rights. This unauthorized access has been used in an attempt to coerce me into paying a debt I am not obligated to pay. 

Under the Texas Business and Commerce Code 521.053 and the Identity Theft Enforcement and Protection Act, businesses are required to report any data breach of system security that affects Texans to the Office of the Texas Attorney General. Furthermore, it is unlawful for any person to obtain, possess, transfer, or use personal identifying information of another person without the other persons consent. 

In addition, under federal law, specifically 26 U.S. Code 7213 and 15 U.S. Code Chapter 94, it is unlawful for any person to willfully disclose to any person, except as authorized in this title, any return or return information. Any violation of this is a felony punishable upon conviction by a fine in any amount not exceeding {$5000.00}, or imprisonment of not more than 5 years, or both, together with the costs of prosecution. 

In my case, you have accessed my personal information without my consent, which could constitute identity fraud. You have also added an account to my credit report that I did not authorize. Even in the event of permissible purpose, the consent of the consumer is still required, which I do not give. Therefore, I demand that you remove yourselves from my credit report immediately to correct this breach of privacy. 

Furthermore, you have contacted me without requesting consent to do so. I do not wish to do business with you and I am not obliged to. Any further attempts to contact me without my explicit consent will be considered harassment and will be reported to the appropriate authorities. 

I trust that you will take immediate action to rectify this situation and ensure that such breaches of privacy do not occur in the future. Failure to do so will result in legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: DE

Complaint narrative:
I received a Vanilla VISA gift card for XXXX for {$500.00}. It was purchased on XX/XX/XXXX from XXXX at XXXX XXXX XXXX, XXXX  DE XXXX. When I went to open it to use it today ( XX/XX/XXXX ), the card itself had some sort of XXXX  on the XXXX XXXX  not allowing me to swipe the card. I went to give the cashier the XXXX card number, and the XXXX set of digits was erased. I called the number on the back of the card to get a replacement card but the representative said the card had {$0.00}. The rep also mentioned the card had been used on XX/XX/XXXX on a XXXX purchase that was not made by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: TX

Complaint narrative:
I was looking at my report and notice that were some things that was not correct. I sent a letter to Experian on XX/XX/2024 here is my tracking number XXXX. It has been more than 30 days since the credit bureaus have not responded. That is a violation 15 USC 1681i ( a ) ( 1 ) ( A ). 

According to 15USC 1681e ( b ) it states this ( b ) accuracy of report. 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. 

So then I ask them to provide a description of the investigation according to 15 USC 1681 i ( 7 ) ; ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide a description referred to as paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer regarding the description But they did not do that as well. 

According to 15 USC 1681s-2 it states that A. ) Reporting information with actual knowledge of errors. 

A person shall not furnish any information relating to a consumer. Any reporting information agency must have reasonable cause. 

B ) Reporting information after a notice and confirmation of errors. 
If the person has been notified by the consumers, that specific information is inaccurate. 

This is unfair and if they are doing this to me can you imagine who else they are doing this to? Can you fix

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 2024-01-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in 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 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/2023 my credit card was suddenly restricted. I reached out to inquire why and was told they sent a letter in XXXX to request proof of social security. I informed them I never received such letter and it does not reflect in my statement / documents tab in the app. They proceeded to email me the documents and I followed through with submitting the requested information ( ID, paystub, and social security card ) I was told by multiple agents that my documents were received and visible to confirm my social and will be reviewed by a team you can not communicate with within 7-10 business day. Several months has passed and its now XXXX and my account was closed with no Indication why. Throughout that time line I was reaching out every week for updates and keep being told theyre reviewing and not to worry as my documents were visible. After my account was closed I reached out again and was told that because they couldnt see all four corners of my id and social that it was not valid - this was not indicated as a requirement on the letter or by the agents I spoke to. I was advised to keep sending documents through their email portal and have not received any updates or response on if my account will be reopened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continues to report address and names that do NOT belong to me. Experian is a data furnisher which means they are paid to report information and are securitizing these reports to raise money for capital. Since this is an account I have equitable interest in this account and what is being reported. Experian is reporting this inaccurate information for profit even after providing evidence of my identity to prove it is inaccurate and should be immediately removed! My only name is XXXX XXXX remove any other name you do not have my consent to report anything other than XXXX XXXX. My address is XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX delete any other address it is not mine.

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 2024-01-21 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: TX

Complaint narrative:
I was looking at my report and notice that were some things that was not correct. I sent a letter to Transunion on XX/XX/year> here is my tracking number XXXX. It has been more than 30 days since the credit bureaus have not responded. That is a violation 15 USC 1681i ( a ) ( 1 ) ( A ).

According to 15USC 1681e ( b ) it states this ( b ) accuracy of report. 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.

So then I ask them to provide a description of the investigation according to 15 USC 1681 i ( 7 ) ; ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide a description referred to as paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer regarding the description But they did not do that as well.

According to 15 USC 1681s-2 it states that A. ) Reporting information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer. Any reporting information agency must have reasonable cause.

B ) Reporting information after a notice and confirmation of errors.

If the person has been notified by the consumers, that specific information is inaccurate.

This is unfair and if they are doing this to me can you imagine who else they are doing this to? Can you fix

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 2024-01-21 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: WA

Complaint narrative:
My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please Help me delete these illegal accounts from my Equifax credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Heres a letter Ive used in the past : Subject : Complaint against XXXX Dear Consumer Financial Protection Bureau, I am writing this formal complaint against XXXX in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that XXXX has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that XXXX may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

3. Lack of Documented Proof : Despite my attempts to contest the reported information, XXXX has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements. 
I request that the Consumer Financial Protection Bureau take appropriate action to address my concerns and ensure that XXXX rectifies their reporting practices promptly. Specifically, I demand the following : - Immediate removal of any unproven or inadequately reported negative claims from their records and future reporting until they demonstrate provable adherence to reporting standards and regulatory mandates. 

- A comprehensive review of XXXX reporting practices to ensure that they comply with federally defined timeliness, accuracy, and completeness standards. 

I trust that the Consumer Financial Protection Bureau will handle this matter promptly and diligently, safeguarding my rights as a consumer. I appreciate your attention to this complaint and look forward to a positive resolution that restores the accuracy and integrity of my credit history. 

Thank you for your assistance in addressing this important concern

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Heres a letter Ive used in the past : Subject : Complaint against XXXX Dear Consumer Financial Protection Bureau, I am writing this formal complaint against XXXX in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : XXXX. Failure to Ensure Accurate Reporting : I firmly believe that XXXX has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

XXXX. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Trains-union may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

XXXX. Lack of Documented Proof : Despite my attempts to contest the reported information, XXXX has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements. 
I request that the Consumer Financial Protection Bureau take appropriate action to address my concerns and ensure that XXXX rectifies their reporting practices promptly. Specifically, I demand the following : - Immediate removal of any unproven or inadequately reported negative claims from their records and future reporting until they demonstrate provable adherence to reporting standards and regulatory mandates. 

- A comprehensive review of XXXX reporting practices to ensure that they comply with federally defined timeliness, accuracy, and completeness standards. 

I trust that the Consumer Financial Protection Bureau will handle this matter promptly and diligently, safeguarding my rights as a consumer. I appreciate your attention to this complaint and look forward to a positive resolution that restores the accuracy and integrity of my credit history. 

Thank you for your assistance in addressing this important concern

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 2024-01-21 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: GA

Complaint narrative:
XXXX XXXX and EXPERIAN are reporting a account by the name of XXXX XXXX XXXX per the FCRA and CFR as a federally protected consumer I am opting out of the utilization being reported for this account as a federally protected consumer I am opting out of any and all authorization I the consumer may have given these corporations to report the utilization for this account whether it be written unwritten verbal and non verbal per 2 CFR 910.364 - Reporting on utilization of subject inventions states unless otherwise instructed utilization can be reported to my consumer report I am now herby instructing XXXX EXPERIAN XXXX and XXXX XXXXXXXX XXXX  that I do not consent for utilization to be reported for this account related to XXXX XXXX XXXX on my consumer report 2 CFR 910.364 - Reporting on utilization of subject inventions also states the information supplied in a utilization report is privileged and confidential and that only the Government is allowed to be disclosed all the information included in a utilization report this includes all transaction history between I the consumer and XXXX XXXX XXXX. EXPERIAN XXXX and XXXX are not the Government they are credit agencies the utilization being reported is a violation of 2 CFR 910.364 - Reporting on utilization of subject inventions due to the fact XXXX XXXX XXXX disclosed the utilization report to non government agencies. This account is also being reported as charged off on my consumer report a charge off is considered a certificate of indebtedness which means it is income income is non public information and that non public information being reported on my report is a violation of my privacy rights under the privacy act of 1974. The account is also being reported inaccurately XXXX shows the date the account was last active as XX/XX/XXXX while EXPERIAN shows XX/XX/XXXX and XXXX shows XX/XX/XXXX this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality. The reporting of this account is unfair and inequitable to I a federally protected consumer.

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 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/2023 a check was fraudulently drawn on my account for {$5200.00}. On XX/XX/2023, that money was returned to my account. 

On XX/XX/2023 {$920.00} was fraudulently taken from my account ( which only had {$330.00} in it to begin with ... ) this time, BMO-US did not return the funds, instead, freezing my account and telling me I had to go into the local branch office to discuss further. I went to BMO 's Branch office in XXXX, FL. The representative helping me, XXXX XXXX, proceeding to close my account and open a new account that my funds could be sent to once this was resolved. She ended up completing the wrong paperwork, which was then notarized by the XXXX XXXX, XXXX XXXX XXXX who, apparently, was just as clueless on how to handle my situation. 

In the meantime ( XXXX month later in XXXX ), I travelled across country to New Mexico when it was revealed to me that the paperwork I submitted was incorrect and that I would need to seek out a local BMO branch. I then went to BMO in XXXX XXXX, NM, where the Branch Manager completed the appropriate paperwork, but then sent the paperwork along to XXXX XXXX at BMO-XXXX XXXX so that she could complete a section ( 4 ) on the " Affidavit of Forged or Altered Checks '' called " Additional Information Required. '' I've asked her repeatedly for a copy of this document for my records and she avoids getting back to me. I have a complete list of emails and phones calls that I've made to the branch and BMO-Customer Service and I'm getting no help at all.

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 2024-01-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in 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 2024-01-21 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: IL

Complaint narrative:
I Ask them to verify and send over information regarding their verification. They just sent that the information was verified which I know it was not. It was an automated system that just sent out that they verified this false information.

I have proof from the original creditor with all the original information and none of it matches whats on my credit report. I disputed the accounts stating that these accounts were incorrect and I gave them the option to either update this account on my credit file or remove them per the FCRA.

They chose to verify incorrect information that does not match the original creditor information. I then informed them if you can not verify this information properly you must remove it. You can not just have an automated system shooting out that this information is verified and must stay on your report if you did not do a proper investigation.

This is harming my credit score beyond comprehension and it is stopping me from getting fare rates for housing and transportation. I am a regular consumer and just would like companies to follow 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 non-monetary relief