vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: NM

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 2024-02-29 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: NC

Complaint narrative:
When I signed the Privacy Act form, the XXXX loans on my credit report are in violation of the XXXX Privacy Act. The XXXX XXXX Rights and Privacy Act ( XXXX ) is a XXXX law enacted in XXXX that protects the privacy of XXXX XXXX records. XXXX applies to any public or private XXXX, XXXX, or XXXX XXXX. 20 USC 1232g ( b ). The XXXX loans should not be reported on my credit reports by Equifax, XXXX, or XXXX. They should be removed asap as this has hindered me from getting countless approvals for credit cards. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each XXXX institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a XXXX institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX institution and the XXXX XXXX agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A XXXX institution may not disclose nonpublic personal information to a nonaffiliated XXXX  party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX  of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX XXXX XXXX which antedates the report by more than XXXX years. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Trying to move money out of Bank of Montreal and they will not allow me to wire money without filling out some form and waiting TWO WEEKS for them to process the form. They refuse to let me close the account and have the funds wired to another institution as well. My only choice is to take a cashier 's check which will also take one to two weeks to process or drive over 100 miles to a branch. Absolutely ridiculous!!!

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 2024-02-29 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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:
I have a bankruptcy reporting. I contacted the XXXX Bankruptcy court and they sent a letter that they do not send bankruptcy reports to Credit Bureaus. I requested the hard copy. Once received I forwarded the letter to XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: CA

Complaint narrative:
Information which has not yet been verified to be 100 % accurate as required by the FCRA is continuing to be reported on my credit report. I have tried numerous times to get this off my report and always am ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: PA

Complaint narrative:
I have a bankruptcy reporting. I contacted the XXXX Bankruptcy court and they sent a letter that they do not send bankruptcy reports to Credit Bureaus. I requested the hard copy. Once received I forwarded the letter to Experian and 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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Never received written notification of XXXX from the agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: UT

Complaint narrative:
I had filed a complaint against Trans Union on XX/XX/2024 identification number XXXX trans responded that they would get back to me in 60 days. This is not acceptable and I Do Not Consent.

The relevant law is the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which deals with procedure in case of disputed accuracy. Here is the relevant excerpt : " Section 611 ( a ) ( 1 ) ( A ) If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In other words, if I dispute an item in my credit report, the credit reporting agency must investigate the dispute and either update the status of the disputed item or delete it from your file within 30 days of receiving your dispute notice. 

If Trans Union fails to comply with the Fair Credit Reporting Act ( FCRA ) and does not respond to my dispute within the 30-day timeframe as required by law, I am entitled to certain damages and penalties. Here are some of the potential fines and penalties that Trans Union may face for non-compliance with the FCRA : 1. Statutory Damages : Under the FCRA, if a credit reporting agency willfully fails to comply with the requirements of the Act, the consumer may be entitled to recover statutory damages ranging from {$100.00} to {$1000.00} per violation.

2. Actual Damages : I may also be entitled to recover any actual damages I suffered as a result of Trans Union 's failure to respond to your dispute in a timely manner. 

3. Punitive Damages : In cases of willful non-compliance or egregious conduct, a court may award punitive damages to punish Trans Union and deter similar conduct in the future. 

4. Attorney 's Fees and Costs : If I have to take legal action against Trans Union for non-compliance with the FCRA, you may also be entitled to recover your attorney 's fees and court costs.

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 2024-02-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Home Mortgage is still sending a statement, attempting to collect, after sending a 1099c ( cancellation of debt/forgiveness )

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 2024-02-29 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: MD

Complaint narrative:
These accounts have recently shown up on my credit record, and I have some doubts regarding the veracity and correctness of your inquiry. I thought the item was not being reported lawfully last month, therefore I sought an investigation. You have decided to stop investigating my credit reports, according to the letter I got a few days ago. This decision was based on your belief that I may have employed a third-party credit repair business. This is clearly in violation of the FCRA, and I also think it's a delay tactic to buy yourself 30 more days to fulfill my first request.

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 2024-02-29 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: TN

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made an additional payment of XXXX to my loan and want to know how many payments are left on my loan for my XXXX planning. Bank XXXX doesn't provide XXXX schedule so I call their customer service. Customer service didn't answer my question or provide with an alternative for me to calculate remaining months or last payment date or a way for me to find out what would be the final date/month for this loan. I have no way to verify if my additional payment had any impact on the loan. I have no way to find if bank will continue to charge me for original XXXX months or less.

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 2024-02-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Momnt Technologies, Inc.
State: TX

Complaint narrative:
Took out a loan on XX/XX/XXXX with XXXX XXXX XXXX XXXX in XXXX TX. The loan for {$7000.00} Was for treatments for XXXX. The total amount is due by XX/XX/XXXX. Payable to Momnt loans located at XXXX XXXX XXXX XXXX XXXX  GA XXXX. The loan itself was issued by XXXX XXXX. The primary company for XXXX XXXX XXXX XXXX is XXXX XXXX XXXX. 
After getting the first treatment of 12 promised I realized there isn't any medical staff at the clinic that's was located at XXXX XXXX XXXX XXXX Tx XXXX. However I went a few times for treatment then got suspicious of operations of XXXX XXXX XXXX. 
Then one day they just closed the clinic with no notice.On top of that the treatments were worthless. 
However now Momnt loans wants me to pay The {$7000.00} debt by XX/XX/XXXX, or I will then owe {$9200.00}, after that date. 
I'm not paying for this fraudulent company that did not deliver on anything they promised. 
Momnt loans is the services for XXXX XXXX  and both should be investigated for fraudulent practices. I can discuss further. XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment XXXX. I have consistently adhered to making XXXX payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-29 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: TX

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-29 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: TX

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened an Estate or Business Account in XXXX after my Mother passed away. I was assured by XXXX XXXX XXXX XXXX that I would be receiving interest in my deposits as required by statute. However, unbeknownst to me shortly after opening account my account reverted to everyday checking which I am told offers no interest. This is contrary to my instructions to banker as well as what I was told. You had no authority or consent to change my account without my notice/consent.

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 2024-02-29 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: TX

Complaint narrative:
The CRA is violating my rights by allowing a debt collector to report and account that was fraudulent and previously removed as a result. The original furnisher was XXXX XXXX. Now XXXX is trying to collect and report and is violating 15 USC 1692G The CRA. is violating 15 USC 1681EB, 16 USC 1681S-2A1A ,15 USC 1681C-1 AND 15 USC 1681C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
The CRA is violating my rights by allowing a debt collector to report and account that was fraudulent and previously removed as a result. The original furnisher was XXXX XXXX. Now XXXX is trying to collect and report and is violating 15 USC 1692G The CRA. is violating 15 USC 1681EB, 16 USC 1681S-2A1A ,15 USC 1681C-1 AND 15 USC 1681C-2

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 2024-02-29 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
my rights are being violated as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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:
I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
On XX/XX/year>, I wrote to you, demanding an investigation into items that I considered were fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: GA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-02-29 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: TX

Complaint narrative:
Paid this account in full and it's mentioned that once payment is complete and paid in full that it would be removed from all credit bureaus. I will have a screenshot of where it says this on the https : XXXX, screenshot of my bank account where I paid it to collection agency XXXX XXXX, and the original document stating how much I owe with all my information. Please as I am in the process of purchasing a home and this is hurting the process. 

XXXX : XXXX / XXXX / {$820.00}

Company response to consumer: Closed with non-monetary relief