vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have recently written into all 3 bureaus asking that my personal and demographic information be updated correctly. This was requested in writing via certified mail and XXXX, EQUIFAX and XXXX has not made any effort update any of what I requested with supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The [ cra ] is reporting my name incorrectly. The name the credit reporting agency is reporting is the XXXX XXXX XXXX name which is registered with the XXXX XXXX XXXX, However I XXXX, XXXX XXXX XXXX the owner of that Trust account. 

Please correct your records to reflect my correct name I am a natural man [ XXXX, XXXX XXXX ] owner, and Interest holder. Attached i have provided document proof of my claim. 
I do not posess a " last name '' or " first name '' -- It is disrespectful to my ancestors to refer to them as as Last! 
Please do not ever disrespect my family, and update your records. 

15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/202, I sent a letter to Equifax regarding inaccurate and unknown things on my credit report. It's been more than 30 days and I still have not received a response. I feel as if I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my report. it's been over 60 days so those items should be deleted promptly. I demand that these items be deleted immediately, or I will file for litigation due to stress you have caused. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have repeatly asked EQUIFAX to please send me validation of said acct ; XXXX XXXX - I do not have nor have I ever had any business w/XXXX XXXX- Additionally, I have requested they provide the name, address, and telephone number of each person contacted regarding this alleged acct. along with a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I have requested that any automated response or e-Oscar verification is unacceptable. 
I have asked for a reinvestigation AND their Method of Verification several times. I am/have made a final goodwill attempt to have EQUIFAX clear up this matter. 

The listed item is entirely inaccurate and incomplete and represents a very serious error in EQUIFAX reporting. I have advised them that I will be reporting them to the Consumer Financial Protection Bureau and the Attorney Generals office. 

They continue to be NON-COMPLAINAINT according to the FCRA sections 603, 604, 609, 611, and 623, BY SENDING MY THE SAME AUTOMATED RESPONSE : The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *CLIENT NAME. 

WHERE IS THE ORIGINAL SOURCE OF INFORMATION THAT WAS PROVIDED TO THEM? 

My Next and only recourse is to file a Civil Penalty Claim for their willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/202, I sent a letter to XXXX regarding inaccurate and unknown things on my credit report. It's been more than 30 days and I still have not received a response. I feel as if I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my report. it's been over 60 days so those items should be deleted promptly. I demand that these items be deleted immediately, or I will file for litigation due to stress you have caused. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/202, I sent a letter to XXXX regarding inaccurate and unknown things on my credit report. It's been more than 30 days and I still have not received a response. I feel as if I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my report. it's been over 60 days so those items should be deleted promptly. I demand that these items be deleted immediately, or I will file for litigation due to stress you have caused. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, as XXXX XXXX XXXX XXXX XXXX in the amount of {$680.00}, XXXX XXXX in the amounts of {$390.00}, {$400.00}, and {$770.00}, and XXXX XXXX XXXX in the amount of # XXXX. 
has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

! 5 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. 

Under Engelhardt v. Gravens " I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists, ''

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 2022-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a {$500.00} Vanilla Visa gift card from a grocery store on XX/XX/XXXX, within 24 hours, a fraudulent charge of {$440.00} was charged on the gift card. It was used in a store in another city. I called the company ( Incomm Financial Services ) on XX/XX/XXXX and got a case number : XXXX. After I submitted all the required form to XXXX I was told to wait 45-90 days. 

The only communication I received for my case so far is below on XX/XX/XXXX after I inquired about a case update on XX/XX/XXXX " Please be advised that disputes are worked in the order they are received. You should expect complete resolution within 90 days from received date ( XX/XX/XXXX ), however, most are resolved before then ''. 

They do not see to care about the inconvenience they caused to consumers. I do not believe the card packaging was tampered with when I bought it. This looks most likely as an insider job due to their failure to protect their backend system. 

It has been 2.5 months and I do not have any update on my case which is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Deutsche Bank
State: DC

Complaint narrative:
omplaint regarding pension check mistakenly deposited in XX/XX/XXXX and still not returned to XXXX, the Check issuer despite showing as reversed on my XXXX XXXX account in late XXXX. I have been without over {$3000.00}. of my pension funds, which should have been rolled over to a XXXX account, since XX/XX/XXXX. Three financial institutions are involved : XXXX XXXX ; Deutsch Bank ; XXXX XXXX This is follow-up on four prior complaints for an issue that remains unresolved since XX/XX/XXXX. 
In XXXX I mistakenly submitted a pension check issued by XXXX XXXX to deposit to my XXXX XXXX account. XXXX XXXX  should not have accepted the check as it was made out to XXXX XXXX XXXX XXXX XXXX. 
Within days of realizing my error, I repeatedly called XXXX XXXX to reverse the deposit. It took a month of phone calls, but the funds show as reversed from my XXXX checking account in late XXXX. 
The funds have never shown up in the XXXX account from which the check was issued. 
Over the last months I have repeatedly called XXXX XXXX, asked for escalation, called XXXX, Called XXXX XXXX with XXXX and escalated the problem, including filing four prior complaints with CFPB. 
Each time, XXXX insists the funds were sent to XXXX, and each time I check with XXXX, they have no record of the funds coming back to the XXXX account. 
In the last correspondence dated XX/XX/XXXX from XXXX XXXX they gave tracking details on the funds but maintained for the first time that they have sent the funds to Deutsch Bank, who they claim act as transfer agent for XXXX. 
I have called Deutsch Bank repeatedly and been told that they will not deal with me as I am not a customer of Deutsch Bank even though I have information on the transfer details provided to me by XXXX XXXX In their last response to me -- copy attached. 
XXXX XXXX matter closed as they see a check being cleared to XXXX XXXX and no funds being returned. 
Thus, I have been without over {$3000.00}. of my pension funds, which should have been rolled over to a XXXX account, since XXXX. 
I have wasted hours in phone calls, emails, and complaints, and still the funds are not only not in my XXXX account, but they are also no longer in my checking account. Each financial institution tells me to contact one of the other ones to resolve the issue. 
At this point, I request that knowledgeable representatives from each of the three institutions involved join a conference call with me and a representative of CFPB in order to resolve the matter. 
I also believe I should be reimbursed for the time involved in resolving this matter, which dates to XXXX. 

Prior complaints : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
In accordance with the Fair Credit Act XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top 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.

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 2022-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
On XX/XX/2022 Ally received by certified mail a XXXX $ money order from me with stipulations ( Exhibit A XXXX ) that were in accordance with what Ally has written on the back of the statement ( Exhibit B ) which indicates they know about the UCC codes and expect people to use them, i didnt expect it to work but i gave it try. after Ally received the payment they put a freeze on my account stating they were having problems processing it ( Exhibit C ) up until that point my account was in good standing then Ally returned the payment ( Exhibit D ) so i logged into my account to pay my bill on XX/XX/2022 and saw that there was still a block on the account so i couldnt make a payment i then gave Ally a call on XX/XX/XXXX & XXXX 2022 ( Exhibit E 1-2 ) to find out why i couldnt make a payment. Both times i was told after a XXXX convo that there was a stop payment on the account and that it would be off in XXXX hrs. so on XX/XX/2022 i sent Ally a certified and notarized notice of intent ( Exhibit F 1-3 ) letting them know i am filing a complaint with the FTC ( which sent me to CFPB ) and the XXXX  as well as the U.S. Attorney Generals Office so they can be investigated for this shady business practice because it didnt take XXXX to put a stop payment on my account but its taken more than XXXX to try to get it off so i can make a payment. As of today XX/XX/2022 the account is still on hold ( Exhibit G XXXX ) Ally is purposefully an with malicious intent keeping my account status like it is to force me into default on the loan so that they can ruin my credit an repossess the car this is a illegal business tactic being used by a predatory lending company. This blatant violation of MGL 93a section 2 is causing me unwanted pain and suffering. At this point a repossession attempt by Ally would be illegal because of the illegal business tactics that are being used

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 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, 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:
Equifax is reporting inaccurate information on my behalf. I sent 2 inquiry deletion letter to Equifax due to unauthorized inquiries I noticed on my credit report. I do not understand why Equfiax believe or had the right to do this. I do not think Equifax had a permissible purpose to placed unauthorized inquiries on my Credit report. However every time i sent disputing letter or called to one of the rep XXXX to dispute those inquiries. He stated it will deleted. I am demande my credit to be 100 % accurate and complete. I do not want or misleading information on my reports. Equifax is still violating CRA under section 1681i for negligentwanton investigation.

Reckless/willful 1681e ( b ) failure to keep and follow reasonable procedures to assure maximum possible accuracy. 

Equifax has sent me a letter with a different name addressed sent to me with exactly the inquiries I asked to dispute. However those inquiries possible verified. Please explain to me how can you reporting that those unauthorized inquiries are verified if you send me a letter with the same inquiries with a different name. 

I demand the CRA to delete those inquiries IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX They had also responded back XXXX  that the collection from XXXX  XXXX is not listed, but however this is still reporting. 
PLEASE stop report FALSE information. And delete these and adjust my credit score accordingly. If you wish do not so, I will be forced to do legal action against the credit bureaus. 
I will upload the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have continue to contact the three credit bureaus Trans Union XXXX and XXXX about a bankruptcy reporting on my credit report that should not be reporting on my credit report because it is reporting information that I did not give permission. It has since been removed from the files of XXXX and it should be removed from all of my files from the three credit bureaus but it continues to report that it is verified and continues to report an accurate report while hurting my credit at the same time.

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 2022-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I purchased a {$500.00} XXXX XXXX gift card from pharmacy store. 
XX/XX/XXXX, a fraudulent charge of {$500.00} was put on the card. so the card has {$0.00} balance within XXXX hours of card purchase date. ( Info obtained from Incomm support a day later ) XX/XX/XXXX, Informed Incomm Financial Service and was told the card was " drained '' on XX/XX/XXXX. case number : XXXX. 

The packaging was perfect when I bought the gift card, it was not tampered with. so it is most likely an insider job who can act so quickly to " drain '' the card. 

It is XX/XX/XXXX today, It is almost 2 months since I informed vendor of fraudulent charge and the only communication I received was a boilerplate acknowledgement on XX/XX/XXXX after I emailed the requested form as seen below. 

" Greetings, Please use this email as confirmation that your dispute packet has been received and forwarded to the Dispute Resolution team. Please be advised that disputes are worked in the order they are received. You can expect complete resolution within 45-90 days. Once the dispute is resolved, the outcome will be communicated to you via email. '' As a consumer, I am not sure how many fraudulent cases you deal with on daily basis. However, I would at least want to know whether anybody is working on my case, things like " we forwarded our dispute to the vendor and it takes them up to 30 days to respond '', or " dispute sent to vendor on such date, a follow up inquiry was sent again, etc ''. The inconvenience is not caused by consumer, but some kind of security breach in your backend system. The least you could do is NOT ignoring customer for 8 weeks without a single email, but a case update even though there is no progress. 

For CFPB staff : I used to have a choice between XXXX XXXX and Incomm Financial Services. Nowadays, it seems Incomm dominate all the stores around me that left me with no choice. XXXX normally resolve fraudulent case in 30 days which also makes me wonder how come other company can work out a solution with merchant in 30 days yet Incomm requires 90 days for case resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have continue to contact the three credit bureaus XXXX XXXX Equifax and XXXX about a bankruptcy reporting on my credit report that should not be reporting on my credit report because it is reporting information that I did not give permission. It has since been removed from the files of XXXX and it should be removed from all of my files from the three credit bureaus but it continues to report that it is verified and continues to report an accurate report while hurting my credit at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have continue to contact the three credit bureaus XXXX XXXX XXXX and Experian about a bankruptcy reporting on my credit report that should not be reporting on my credit report because it is reporting information that I did not give permission. It has since been removed from the files of XXXX and it should be removed from all of my files from the three credit bureaus but it continues to report that it is verified and continues to report an accurate report while hurting my credit at the same time.

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