vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 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: TX

Complaint narrative:
XX/XX/XXXX I submitted a complaint to the CFPB in regards to an account listed as XXXX XXXX XXXX XXXX upon completion of this investigation XX/XX/XXXX it was determined that this account would be removed permanently due to Identity Theft. XX/XX/XXXX I submitted a dispute to TRANSUNION to remove the SAME account listed as XXXX XX/XX/XXXX the dispute had been completed and reflected as NOT CHANGED. This negligence accurately shows me that a complete comprehensive investigation had not been conducted on my behalf! 

The failure to further and fully investigate the matter is outrageous! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. 
A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations.

Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : *FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX XXXX Fine of {$1000.00}. 

*Defamation, financial injury- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. 

* Defamation, willful injury - FCRA Section 623 XXXX XXXX TRANSUNION XXXX ; XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX, XX/XX/XXXX Filed ( XXXX XXXX. XXXX ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.

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 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im begging you please remove this to the 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 explanation
Consumer complaint received 2023-12-22 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: TN

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been trying to close my Bank of America account. I have been reducing my balance and I found recently that they were charging me {$25.00} a month for the account ( without notifying me ) so I transferred the balance to my new bank and kept a XXXX dollar balance. I have found that they are still charging me the {$25.00} and my account is now in overdraft. 

The reason I reduced the balance to XXXX  was because Bank of America was making it impossible for me to close the account completely. I went online to get an appointment with the branch. The app said that no appointments were available at the branch I use or other branches near me. I went into the branch physically and the teller told me that there were no bankers in the branch anymore and she could not help me close the account. 

I went on the app and tried to call Bank of America. I was told that they could not take calls. I tried to chat online but the wait times were very long and I kept getting booted off. 

Please help me close the account. Thanks.

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 2023-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: OH

Complaint narrative:
I received a call this morning, spoke to an agent and advised of the situation and what I needed to validate this debt, we hung up and 42 seconds later, she called me again to collect the debt without the information that I requested. 

I have requested this information from them since they started calling me over 2 years ago and they refuse to provide it stating I need to send them pictures and a receipt for cleaning services I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
My bank account with BMO was falsely closed and didnt provide reasoning as to why my account was closed. Instead of issuing me a check for the remainder balance in my account BMO sent my funds to unclaimed property without reasoning or asking me to provide documentation for my balance. I received a IRS business tax return which was deposited to my last bank which was XXXX XXXX  and I decided to end my banking relationship with them and come to BMO. By doing so I cashed my check from XXXX with BMO and BMO randomly closed my account after verifying the check and letting the funds clear. After falsely closing my account and sending my funds to unclaimed property without asking for proof of documentation. This has to be illegal, I spoke to XXXX different BMO executive agents each all told me different things without explaining why my money was being sent to unclaimed property. The first executive agent told me my account was closed and a check was being mailed, the second agent rudely told me there is nothing he can do and my money is just gone, and the third agent stated I need a hold harmless letter/claim from XXXX XXXX so that can BMO can release my funds back to XXXX XXXX XXXX XXXX XXXX doesnt even know what a hold harmless letter is, BMO didnt even ask for additional documentation before sending my funds to unclaimed property.

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 2023-12-22 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: NJ

Complaint narrative:
I have some inquiries on my transunion credit report. 




XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
client is reporting a chage as collection paid with XXXX balance when the balance was paid for before it went to collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: NC

Complaint narrative:
I am the consumer, XXXX XXXX. Capital One has failed to procure MY written permission for Capital One to report anything on my credit. Capital One and the credit reporting agencies are in violation of the FCRA. I have notified the credit reporting agencies with failed attempts to resolve the issue.

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 2023-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am the consumer, XXXX XXXX. Capital One has failed to procure MY written permission for Capital One to report anything on my credit. Capital One and the credit reporting agencies are in violation of the FCRA. I have notified the credit reporting agencies with failed attempts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies
State: OH

Complaint narrative:
Prestige Finance ( PF ) reported to all XXXX credit bureaus that my payments from XX/XX/XXXX to XX/XX/XXXX were paid on time. I surrendered ( XXXX ) the car in XX/XX/XXXX. PF then reported a missed payment of {$290.00} to the credit bureaus. PF sent me an email that says my payments from XX/XX/XXXX to XX/XX/XXXX was late and they were charging me $ XXXX {$33.00} late fee for each payment. I have disputed this 3 times with XXXX and sent screenshots of the email and my credit report. I also asked for PF to be taken off of my credit report for reporting inaccurate information. Nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2023 at XXXX received call and voicemail from " XXXX '' a male with a foreign accent, representing Commenity Bank regarding a current credit card debt caused by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: AL

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I have a mortgage where I pay the insurance and taxes separately. Freedom Mortgage has charged me separately for insurance that I don't need and is charging me late fees. When I contacted them, they indicated they needed insurance verification to wave their policy and late fees. I've provided the documentation, both by uploading the verification and by sending directly to an associate in their insurance department. The insurance department indicated the issue would be cleared over night. It's now several days later and the issue isn't resolved. When I call, they no longer can give me a reason on why the issue isn't taken care of. I'm still being charged for insurance and late fees for an insurance policy I don't need. I've escalated the issue to XXXX XXXX ( id # XXXX ). XXXX XXXX is now telling me I owe a mortgage payment for XXXX as well that I've already paid ... and I can see in there website that I paid it an It's cleared my bank account. I don't know what else to do, so I'm filling this complaint.

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 2023-12-22 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: NJ

Complaint narrative:
I have some inquiries on my Experian credit report Inquiries I have XXXX Total Fruad Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-22 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: VA

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 2023-12-22 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: CA

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the XXXX file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: FL

Complaint narrative:
On XX/XX/2023, I found inaccurate reporting on my consumer/ credit report pursuant to 15 USC 1681, Fair Credit Reporting Act. I also saw violations of 16 CFR 313 Privacy of Consumer Financial Information. As well as a violations pursuant 15 USC 6801 Protection of Nonpublic Personal Information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-12-22 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: IA

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-12-22 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 sent a letter off on XX/XX/2023 to all three credit bureaus. 

Here are my Tracking Numbers : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX I requested to remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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:
I sent a letter off on XX/XX/2023 to all three credit bureaus. 

Here are my Tracking Numbers : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I requested to remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 DeaXXXX XXXX XXXX XXXX XXXX XXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates XXXX XXXX  Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation