vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
I have these fraudulent inquiries affecting my score to which I never had any associated nor was ever aware of. I have disputed these fraudulent inquires before but was ignored.

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 2024-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: ME

Complaint narrative:
I attempted to get financed for XXXX  XXXX  but was denied. I thought I had a pretty fair credit score so I checked my credit reports to see what was up and I noticed on XXXX that It showed a account in collections for the amount of {$1200.00} from First Financial Resources. I then checked XXXX and it showed nothing in collections. Since it didn't properly reflect on both of my reports, I then wrote up a debt validation letter. In that letter I asked for documentation that they were the legal owner of the alleged debt or if they had been assigned the debt and were authorized to collect it, verification of amount owed, Verification that the statute of limitations on this debt has not expired, The original alleged debt document/agreement with my signature, and a couple other basic requests. I also notified them that they had 15 days from delivery to issue a response with my requested documentation/validation. I notified them that " Please note that until the requested information is provided, I will not acknowledge this debt as valid, and you are prohibited from reporting it to any credit reporting agencies. 
Additionally, please cease all communication with me or any third parties regarding this debt until you have provided the requested validation '' The letter was notarized and sent certified mail on XX/XX/24. This letter was addressed in care of XXXX XXXX the CEO of First Financial Resources. It was signed for by an agent on XX/XX/24. The day the letter was received First Financial Resources attempted to call my phone, I answered but no one responded so I attempted to call back and heard who it was through a initial automated voice message and immediately hung up because I requested all correspondence regarding this matter sent to the address provided. Other than the initial attempt to call me, there has been no further attempt to communicate with me or contact me. It is now XX/XX/24 and the collections account still is being reflected on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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:
I have these fraudulent inquiries affecting my score to which I never had any associated nor was ever aware of. I have disputed these fraudulent inquires before but was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

1

5 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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-04-23 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: FL

Complaint narrative:
Please delete this account immediately because it contains inaccuracy in its information According to the ( FCRA ) 15 U.S.C. 1681, it is vital to report with accuracy and fairness. On my consumer report, Equifax is reporting a current balance {$7000.00} this month and last month was {$6700.00} and monthly payment of {$140.00} how is it that {$140.00} increase different on every monthly payment basis and I'm confuse that XXXX have no documentation of this account shouldnt all consumer agency have the same reporting information? 

I have not been presented with evidence in accordance with the doctrine of estoppel by silence, as established in the case of Engelhardt v. Gravens ( mo ) 281 SW 715,719. Consequently, I am presuming the absence of any documentation supporting the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MI

Complaint narrative:
Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to XXXX per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefor, I demand validation and verification of the alleged debt. 
Unauthorized Accounts include the following : 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 2024-04-23 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: MI

Complaint narrative:
Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefor, I demand validation and verification of the alleged debt. 
Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Recently I pulled my credit report and found two ( 2 ) items on there to be inaccurate.According to fair credit Reporting Act, section 611 ( 5 ) ( A ) and Under 15 U.S code 1666B, Any billing errors, inaccurate information, and incorrect information must be completely deleted of which can not be verified by FCRA. 
The names of the Accounts as follows : XXXX XXXX and XXXX XXXX. XXXX said I was 30days late, of which is inaccurate information, i didnt get any bill from them telling me I owing such and such .Tt also my understanding that the FCRA15 U.S.C 16811 , say that every single one, even each any or all of the unproven, Non - compliance, untrue, Errors, incorrect aspect of any alleged derogatory account, must be completely deleted, or otherwise, NOT proven, untimely, incorrect not my responsibility.and I sk them to furnish me documents and proof that the alleged late payment, and they didnt do any investigation.and I told if unable to provide me, they should update my account to never late .there was no 14 days notice of late payment latters sent to out to me buy both companies on the accounts.

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 2024-04-23 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: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Bankruptcy was placed on credit file was advised by the court that they didnt report anything to credit bureau .

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/year> i sent transunion a letter looking for explanation in regards to a dispute for collection that was not recognized on my end and the company has ignored my request 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 2024-04-23 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: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-23 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: CA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Account Name : XXXX XXXX XXXX, Account Number : XXXX. 

By definition, a Charge-Off is Gross or Ordinary Income. So if it's categorized as Income, Gross or Ordinary Income, how is that Income being reported on the Consumer Report when the IRS says it's Income and you're supposed to file it with your taxes, whether or not you got the 1099c. 

That changes the Status of the debt. It's not debt anymore. It's Income. You don't file taxes on debt, you file taxes on Income. Earned, Gross or Ordinary Income. 

This is Income. Why are you reporting an inaccurate account? It can't be income and debt at the same time. How is this corporation going to report this as debt and it's not. 

So, now, you are furnishing inaccurate information. So what Charge-Off are we talking about? 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: NY

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I opened my checking account account and a few days later received my direct deposit and chose at that time to open a savings account through their app. Everything went through fine and the savings account was opened. Ok XX/XX/year> both my checking and savings account were security blocked by the fraud department without any transactions except my adding {$50.00} from my checking to savings. I called and spoke to support and was referred to go into a branch and verify my identity. I did so that day and also pulled money out of my checking account. Around XXXX my checking account was unblocked. I havent tried to move any funds since. However, on XX/XX/year> I went to transfer money into my savings and set up an automatic transfer and found my savings account was still blocked. I called and spoke to a representative and again they told me the block was to verify my identity. I also went through the chat support in the app so I could document all communication. They told me the department that was responsible was the fraud department and gave me their number but also said there was no reason listed for the block. However I must go to a branch and verify my identity again. The same block had been lifted from my checking but not my savings and that there was nothing anyone could do except in the branch. I explained I had already completed this task less than a week ago for this issue and it just hadnt been resolved. I was told there was nothing that could be done except go into the branch. I called the phone number given and asked if there was anything the fraud department could do and again was told the branch had to call them and verify my identity to remove the block. That I couldnt do anything myself. This is starting to feel like its a personal inconvenience towards me due to my orientation and stature.

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 2024-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
We opened a High Yield Savings account in XXXX with BMO XXXX. We deposited {$30000.00} into the account. We then paid student loan payment and had an automatic deposit from a paycheck go into the account. Right after, we received a notification that the account was restricted. I attempted to call multiple times and was told there was no issue with the account. 

Fast forward to the end of XXXX, our employer reported that the {$1000.00} that was to be auto-deposited into the HYSA from wages was returned to the employer due to account freeze/restriction. 

Every time we call, theres a new hoop to jump through. We have submitted every item that has been asked of us. But still the account remains frozen. 

When I call, I often get accidentally disconnected starting the process to speak to a person all over again. Or I will encounter their voicemail. 

Today, before XXXX, I was told that they had all the info they needed and the account would be unfrozen within a few hours. It is now XXXX hours later and still the account remains frozen, our money inaccessible. Their customer service line says theyre only open until XXXX. 

We need help getting the money back. At this point, all I want to do is close the account.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had purchased a XXXX XXXX XXXX XXXX for XXXX $ from Best buy online using the best buy credit card with Citi bank on XX/XX/year> and it says it was delivered on XX/XX/year> but I didn't receive my package I tried contacting Best Buy multiple times and they keep running me around to other people to get my refund. They had me go to XXXX. I opened a case and they closed it and told me to deal with the merchant. I go back to Best Buy and they still tell me they wont be refunding me so I made a dispute on my credit card with Citi bank and they closed it just after best buy provided there side of the tracking number and are running me around to and trying to instantly charge me again for something I didn't receive. Telling me I have to write a letter to them to maybe get it reopened.

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