vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
I would like my money returned because I was scammed. BMO bank employee XXXX XXXX did not make a check security check. If the beneficiary 's bank account number was legit or not. The recipient 's turned out to be a SCAMMER. I believe that BMO was sloppy. 

I was born in XXXX XXXX. All my life! I live and work in the XXXX. XXXX XXXX XXXX  I have been a banking customer at BMO Harris Bank since 1990. I stand out because I am XXXX Heavy XXXX accent plus Due to a XXXX I have a XXXX XXXX I know everything. I travel internationally. Verbal communication at times challenging. With this obvious but minor XXXX a bank employee should take an even more caution. More attention to the money transfer info. 


Scammers recipients as shown on the XXXX XXXX  wire transfer information XXXX XXXX {$18000.00}, - Beneficiary information Bank identifier XXXX XXXX/routing number ) XXXX Bank City/state XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Beneficiary 's address/city/state/zip/country XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX UNITED STATES and XXXX XXXX XXXX  {$12000.00}, - Beneficiary information Bank XXXX XXXX XXXX/routing number ) XXXX Bank city/state XXXX XXXX, NY Beneficiary 's name ( Name on account ) XXXX XXXX XXXX XXXX XXXX Beneficiary 's address/city/state/zip/country XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX UNITED STATES Wire transfers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( 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.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: Professional Recovery Management
State: GA

Complaint narrative:
I am demanding the deletion of the account XXXX XXXX XXXX XXXXXXXX. Not only is the collection agency reporting this account illegally by not verifying the account, per FCRA and FDCPA regulations, the alleged balance is less than {$500.00} and should not be on my consumer report. Congress passed the No Surprises Act to help protect Americans from certain unexpected XXXX  bills, including surprise XXXX  bills for XXXX  services from out-of-network providers. XXXX XXXX under {$500.00} are to be removed per the change that went into effect XXXX XXXX. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA and FDCPA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
The items listed below are only a few discrepancies The mortgage company didnt apply full payments the payments were not applied according to transaction history ( where did the money go to if not applied ) I was not given a Right To Cure Default Notice before the foreclosure according to Massachusetts Law one must be given Deed dated XX/XX/XXXX the bank has is not legal A deed to the property was signed over on XX/XX/XXXX I have been a victim of Predatory lending A Federal Truth In Lending dated XX/XX/XXXX was signed for XXXX the bank claims loan was XXXX difference of XXXX As of XX/XX/XXXX the bank claims there is XXXX owed on loan where did my payments go to, I have already paid over XXXX in interest according to the tax forms I have received Items listed under Disbursements To Others on Settlement Statements dated XX/XX/XXXX and XXXX XXXX the lender list amounts they paid to creditors the amounts lender claims to had paid were amounts more then was actually owed to creditors I was charged for homeowners insurance for several years which should not of happened because I had obtain and paid for my homeowners insurance which my insurance carrier sent policies to make the mortgage company aware Several times throughout the years the bank claims they paid taxes which were already paid by myself

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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:
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.

has violated my rights. Or a list of inquiries : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Consumer Reporting Agency, I am writing to request that you update my personal information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the privacy rights of consumers. 

I hereby request that all personal identifiable information be deleted from my credit report, except for the information regarding XXXX XXXX. Specifically, I request that the following information be deleted : All addresses, except for my current address : XXXX XXXX XXXX, XXXX, IL XXXX, as I can not receive mail or any correspondence at any other address. 
All phone numbers, except for my current phone number XXXX XXXX XXXX. 
My social security number and date of birth ( XXXX ), for privacy reasons. 
Additionally, please delete all information in the employer section. 
My only remaining contact details should be my name ( XXXX XXXX ), address ( as mentioned above ), date of birth ( XXXX ), and my email ( XXXX ). 

As a federally protected consumer, I have a right to privacy and expect that my rights under the Fair Credit Reporting Act be respected. Failure to grant my request would be in direct violation of 15 USC 1681 and its subsections. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have been disputing this charge for an unauthorized transaction {$1200.00} that I never ordered or authorized. Ive been going back and fourth with Goldman Sachs ( Apple Card ) since XXXX. XXXX the merchant was no help to the problem. I submitted a police report for items not received by me and ordered on my ACC fraudulently. They still have yet to resolve my case. They were unable to provide proof of signature upon delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

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

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

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

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

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

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: VA

Complaint narrative:
experian claims i filed a dispute YESTERDAY XX/XX/2023 which I did not & was delayed by Experian for a week or so which is illegal to process in such a fashion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am deeply frustrated and concerned about the ongoing issues I'm facing with National Credit System. Despite my repeated efforts, including sending multiple letters and a validation letter, they have continuously failed to respond. Yet, they persist in reporting to XXXX, XXXX, and XXXX, which I believe is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 regarding the Validation of Debts.

Furthermore, the amount they are attempting to collect is higher than what is allegedly owed, adding to the gravity of the situation. In a recorded phone conversation with National Credit System, they claimed to have been hired by the original creditor. However, when I requested information about this creditor, which they are legally obligated to provide, they stated they didn't have it. This lack of transparency is not only deceptive but also unfair, falling squarely under the Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ). 

Their statement that even if the original creditor accepts payment and I settle the debt with them, they would not remove the entry from my credit report is another point of contention. This stance is not just unfair and deceptive ; it's outright abusive and goes against the principles of honesty and transparency that should govern their operations. The entire situation is causing me significant distress and is a major concern that needs to be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I Wrote Capital One bringing to there attention a series of actions by Capital One Auto Finance that I believe contravene several key statutory provisions, resulting in a severe impact on my ability to provide housing for my family and fulfill familial responsibilities. Specifically, these actions involve the involuntary repossession of my vehicle, the dissemination of false and deceptive information on my credit report, and violations of 15 USC 6805, 15 USC 1681, and 16 CFR 313.7.

Capital One 's purported violation of 15 USC 6805 and 15 USC 1681 is evident in the inaccurate, false, and misleading information reported on my credit report. This not only undermines the integrity of my credit profile but also constitutes a breach of statutory obligations. 

Furthermore, the reporting of the incident as a charge off is of great concern, as charge offs are considered certificates of indebtedness, triggering 1099-C ( cancellation of debt ). According to established principles, such cancellations result in income, and income can not be reported to a credit bureau. This adds a layer of complexity to the matter and further emphasizes the need for immediate resolution. 
In addition to the aforementioned violations, it appears that Capital One may have contravened 16 CFR 313.7 by engaging in practices that hinder my ability to provide a home for my family.

Moreover, the invocation of my Right to Opt Out, in accordance with the Fair Credit Reporting Act, has not yielded any response or discernible results, raising concerns about compliance with Federal Trade Commission guidelines, which mandate the dissemination of information only with explicit consumer consent. 

Notably, the Privacy Act of 1974 ( 5 U.S. Code 552a ) appears to have been violated in the process, necessitating urgent attention to rectify these matters. 

I request an expeditious and comprehensive investigation into these allegations, with a detailed response outlining the corrective actions taken. Additionally, I seek clarification on the resolution of my Right to Opt Out request. 

Immediate attention to these matters is crucial, and I anticipate a swift resolution to mitigate any further legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I had a Federal Perkins Loan while attending XXXXXXXX XXXX XXXX 

I became XXXX with life-ending conditions. I submitted a Total and Permanent Discharge to XXXX which was approved on XX/XX/2023. 

XXXX sent notification to XXXXXXXX XXXX XXXX for they and XXXX XXXX XXXX were handling the XXXX XXXX XXXX. 

XXXX and XXXX received notice from XXXX on XX/XX/2023 notifying them that a TPD discharge of federal loans had been approved and to 1. Discharge the Debt on their end or 2. Return the loan to XXXX and they would discharge it themselves. 

Because of various complications, this item has been appearing/disappearing from my credit reports for 6 months, and every time it reports my credit score plummets. Sometimes it shows the account open, sometimes closed, other times with many, many negative/derogatory marks, sometimes in deferment ( which it isnt ), its discharged. 


As of today, XX/XX/XXXX, I was notified by the CRA that I had a series of seriously delinquent late payments on my report. 

I have 5x120 day lates, multiple 30, 60, 90 day lates as well. 

Ive tried taking care of this matter but it seems futile. 

My health is extremely poor, and I have life-ending XXXX including an XXXX which will at some point end my life suddenly. 

Im not asking for sympathy, but perhaps some empathy. My credit reports and scores are the first thing Ive been waking up to everyday, and its the worst feeling ever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I had a Federal Perkins Loan while attending XXXXXXXX XXXX XXXX 

I became XXXX with life-ending conditions. I submitted a Total and Permanent Discharge to XXXX which was approved on XX/XX/2023. 

XXXX sent notification to XXXXXXXX XXXX XXXX, for they and XXXX XXXX XXXX were handling the Federal Perkins Loan. 

XXXX and XXXX received notice from XXXX on XX/XX/2023 notifying them that a TPD discharge of federal loans had been approved and to 1. Discharge the Debt on their end or 2. Return the loan to XXXX and they would discharge it themselves. 

Because of various complications, this item has been appearing/disappearing from my credit reports for 6 months, and every time it reports my credit score plummets. Sometimes it shows the account open, sometimes closed, other times with many, many negative/derogatory marks, sometimes in deferment ( which it isnt ), its discharged. 


As of today, XX/XX/XXXX, I was notified by the CRA that I had a series of seriously delinquent late payments on my report.

I have 5x120 day lates, multiple 30, 60, 90 day lates as well.

Ive tried taking care of this matter but it seems futile. 

My health is extremely poor, and I have XXXX XXXXXXXX including an aneurysm which will at some point end my life suddenly.

Im not asking for sympathy, but perhaps some empathy. My credit reports and scores are the first thing Ive been waking up to everyday, and its the worst feeling ever.

Company response to consumer: Closed with non-monetary relief