vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: CA

Complaint narrative:
ATTN CFPB- I am not asking you to send this information to TransUnion. I am requesting the CFPB take action on my request since TU continuously fails to take proper action.

Previous attempts have been made to obtain proof of verification for these items on my credit report. Each time TransUnion has come back with merely a " verified '' or " updated '' without providing any proof of what they received showing that i am personally liable for these accounts ( docs with my signature ) nor did they provide info such as the name of the person at each of these entities who verified the info, which is my right to request.

At this point, TU is in violation of the FCRA by failing to provide documentation showing a fair and complete investigation. Just because they add a note of " verified '' or " updated '' does not provide ANY proof that I am liable for these accounts, nor that they are mine.

As required by the FCRA Section 611 ( a ) ( 6 ), A statement of dispute must be included in my credit file regarding these items.

TU is in clear violation of FCRA law, and I demand that these items be deleted off of my credit report. After months of asking for proof, they have provided NONE and these accounts are not legally verified and are being reported erroneously, violating my rights as a consumer. 
XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX ( this account reporting twice, same account number - how is the VERIFIED? ) XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also XXXX despite XXXX XXXX under the FCRA, I have recently reviewed my credit report and found that the requested statement of dispute has not been included on XXXX XXXX  # XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This failure to comply with the FCRA 's provisions is unacceptable and constitutes a violation of my rights as a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I noticed that the money deposited in the bank to cover Bank Fees while I await requested legal documentation from the Bank has been strangely debited to XXXX - '' XXXX ''. My account has been drained to zero with no legal explanation, documentation, written or electronic communication sent by Bank of America which is a violation of FDIC guidelines. The bank has stated they have taken this action based on a Legal Order I have never seen - Legal Order, XXXX XXXX. Bank of America has refused to provide any evidence of the supposed legal order they used to zero out my accounts. This is an illegal non-descriptive debit that is a violation of the law and bank regulatory standards for account management. Please have Bank of America return the funds, follow FDIC and Department of Treasury guidelines for account management. Please have Bank of America provide evidence of the Legal Order they used to remove all funds from my accounts including the name of the Judge and Jurisdiction. I have been attacked by XXXX XXXX Nationalists working at Bank of America.This matter is also being reported to the US Department of Justice.

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 2024-02-16 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX, XXXX, I looked at my report. I sent a letter to XXXX, XXXX, and XXXX as well as all of these corporations asking them to reinvestigate these accounts : XXXX XXXX XXXX WELLS FARGO AND XXXX I HAVE EVERY SINGLE CERTIFIED MAIL NUMBER WHICH MAKES IT Federal to lie XX/XX/2024 they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

None of them really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.42 USC 408 asking for anyone 's SOCIAL security number on any loan is double dipping and fraud according to the law. Also 15 USC 1666b there is no such thing as late payments so while they are speaking of laws they clearly have no clue about all they needed to do was actually go take a look at a few XXXX laws dictionaries to figure out they are in violation of XXXX but they have clearly been getting away with fraud so long they think it okay everyone isn't mentally enslaved.

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 2024-02-16 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: KEYCORP
State: NY

Complaint narrative:
XXXX, XXXX, I looked at my report. I sent a letter to XXXX, XXXX, and XXXX as well as all of these corporations asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX KEYBANK I HAVE EVERY SINGLE CERTIFIED MAIL NUMBER WHICH MAKES IT Federal to lie XX/XX/2024 they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

None of them really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.42 USC 408 asking for anyone 's SOCIAL security number on any loan is double dipping and fraud according to the law. Also 15 USC 1666b there is no such thing as late payments so while they are speaking of laws they clearly have no clue about all they needed to do was actually go take a look at a few XXXX laws dictionaries to figure out they are in violation of XXXX but they have clearly been getting away with fraud so long they think it okay everyone isn't mentally enslaved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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:
I have found numerous accounts on my credit report that I did not authorize ; pursuant USC Title 15 1681, these accounts need to be removed immediately. I am writing to request immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Equifax Information Services LLC. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
I have found numerous accounts on my credit report that I did not authorize ; pursuant USC Title 15 1681, these accounts need to be removed immediately. I am writing to request immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, Experian Information Solutions Inc., XXXX XXXX XXXX XXXX. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm.

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 2024-02-16 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: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COAST PROFESSIONAL, INC.
State: SC

Complaint narrative:
I attended XXXX XXXX XXXX back in mid year of 2023 in there data science program. However, within a week of attending the I found class and program to not be what I expected. I withdrew from XXXX with a XXXX account balance. Throughout the entire process of with my academic and financial advisor confirmed I have XXXX balance. I transferred to the XXXXXXXX XXXX  with no issues. It should also be noted that that XXXX is under XXXX school system. Bottom line I withdrew from XXXX with XXXX account and transferred to XXXX for their XXXX XXXX XXXX Again I withdrew and transferred with my academe and financial advisor stating I have a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: IL

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 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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely 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 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 2024-02-16 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: TX

Complaint narrative:
XX/XX/year> a letter was sent to Experian discussing a few collection that i needed to dispute and they have received my letter per my records and have yet to respond and acknowledge my request i also sent all necessary documents to identify myself.

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 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Opened a new checking account with Chase Bank. Initial check deposit of {$5200.00} on XXXX ( work paycheck ) put on pending hold due to fraud alert. Called on XX/XX/ and was told Chase needed to verify my employment on their and that hold would be removed on XX/XX/. Did not receive any communication from Chase other than a letter reiterating the hold almost a week later. No messaging at all on their online portal saying as to why funds were on hold and what I needed to do. 

As of XX/XX/, funds still frozen and additional direct deposit of {$7000.00} sent on XX/XX/ to this account rejected, effectively freezing these fund too. 

Called on XXXX  and was told my account will be frozen and money placed in limbo starting XX/XX/ because their phone systems won't allow them to call my employer to verify the check, leaving me with no alternative to access this money. 

Went into a branch and said there was nothing they could do. 

Called again on XXXX  and the rep was able to confirm with my employer, but it would be an additional 3-5 business days to access any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: MI

Complaint narrative:
On XXXX my husband and I closed our Axos checking account and withdrew all of the funds. The closure of the account was confirmed on XX/XX/XXXX. On XX/XX/XXXX or XX/XX/XXXX Axos bank initiated a {$2500.00} transfer from my external account to be deposited into the ( now closed ) checking account. I received an email XX/XX/XXXX that Axos bank received the funds from my external account ( which I had no idea this transaction was even happening because we closed the account before the transaction should have taken place ). I sent a message to Axos through their app on XXXX stating that the transfer should not have happened and how will I receive the funds back? I did not get a response in 24 hours so on XX/XX/XXXX I called Axos bank and spoke to a representative who stated that the account is definitely closed and that the funds will be rejected and routed back to the bank it came from electronically. Since that time I had been checking my other account to see when the funds would arrive. Now it is XX/XX/XXXX and I still do not have the funds so I called Axos bank again. I spoke to a different representative who informed me that I was sent a message in the Axos banking app XX/XX/XXXX stating that they would mail the funds to the address on the account as a cashier 's check and that they have already mailed the check ( without tracking information and without confirmation from me ). I had been trying to log into my Axos account and have been unable to for over a week. I was then informed by the representative that my account has actually been deactivated since XX/XX/XXXX and so there is no way I would have been able to log in after that time. So there is no way I would have been able to see the message that was apparently sent to me on XX/XX/XXXX stating they were mailing a check. 

So in summary Axos bank initiated a transfer from my external account to their bank, to a closed checking account. Then told me they would send the funds back electronically. Then they did not send the funds electronically and instead decided on their own to send a cashier 's check by mail without confirmation from me and without verifying the address on the CLOSED account. And it is the wrong address. I do not live or have any connection any longer to the address that they sent the check to. They " notified '' me that this was occurring by sending me a text message on their app on XX/XX/XXXX that they should have known I would never be able to see because they deactivated my account on XX/XX/XXXX making it impossible for me to log in. And then in order to rectify the situation they asked me to sign a disclaimer form ( which is attached ) that states that I lost the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
Notice of Violations under FDCRA and FCRA Dear XXXX XXXX XXXX XXXX, I am writing to bring to your attention significant concerns regarding your practices, which appear to be in violation of the Fair Debt Collection Practices Act ( FDCRA ) and the Fair Credit Reporting Act ( FCRA ). The specific violations are supported by the following statutory references : 1. FDCRA Violations : 15 U.S.C 1692, Communications in connection with debt collection. 12 CFR 1006.30 ( a ) and ( b ), Other prohibited practices. 2. FCRA Violations : 15 U.S.C 1681 ( a ), Accuracy and fairness of credit reporting. 12 CFR 1006.6, Communications in connection with debt collection. Contacted XX/XX/ at XXXX EST and XX/XX/ at XXXX 12 CFR 1006.30 ( a ), Required actions prior to furnishing information. 12 CFR 1006.30 ( b ), Prohibition on the sale, transfer, or placement for collection of certain debts. 12 CFR 1006.26, Collection of time-barred debts. 12 CFR 1006.34, Notice for validation of debts. The Congress, in its findings under 15 U.S.C 1681 ( a ), emphasizes the importance of fair and accurate credit reporting for the efficiency of the banking system. It is crucial that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy, as stated in the legislative findings. The specific practices that raise concerns include, but are not limited to : Furnishing Information Without Prior Communication ( 12 CFR 1006.30 ( a ) ) : It has come to our attention that [ Debt Collector ] furnished information to consumer reporting agencies without engaging in prior communication with the affected consumers, as outlined in 12 CFR 1006.30 ( a ). Improper Debt Placement ( 12 CFR 1006.30 ( b ) ) : There is evidence suggesting that [ Debt Collector ] has engaged in the sale, transfer, or placement for collection of debts that have been paid, settled, or discharged in bankruptcy, violating 12 CFR 1006.30 ( b ). Time-Barred Debt Collection ( 12 CFR 1006.26 ) : [ Debt Collector ] has been observed attempting to collect time-barred debts and issuing threats of legal actions against consumers for such debts, which contradicts 12 CFR 1006.26. Inadequate Validation Notice Practices ( 12 CFR 1006.34 ) : Our investigation indicates that [ Debt Collector ] has not adhered to proper validation notice practices, as required by 12 CFR 1006.34, thereby jeopardizing consumer rights. I urge XXXX XXXX XXXX XXXX to review and rectify these practices immediately to ensure compliance with the FDCRA and FCRA. Failure to do so may result in further action. I request removal of alleged debt.

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 2024-02-16 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: CA

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Account Inquiries XXXX XX/XX/2024

Company response to consumer: Closed with non-monetary relief