vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-23 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: MD

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I transferred {$2500.00} on the morning of XXXX from XXXX on my accounts with us bank to another account with bank of america via XXXX The transaction was completed on the XXXX XXXX side however boa flagged the transaction as suspicious activity. The money is now being held by boa while they investigate. Both accounts are mine and i have made multiple similar transactions in the past from the same account. The boa account is what i pay my bills from as the account info is stored on the multiple credit cards, vendors. I called boa and was told the funds would be held until the investigation is complete from XXXX to XXXX business days. Made several XXXX transfers for years and the reason i use it is because its instant and reliable. There is nothing suspicious about this transaction and is business as usual.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am writing to formally dispute an entry on my XXXX report that I believe is inaccurate and has been incorrectly reported by M & T Bank. 

On XX/XX/XXXX, I attempted to open a Trust Account at XXXX XXXX XXXX XXXX, only to discover that there was an outstanding balance of {$160.00} reported by M & T Bank from XXXX. I was unaware of this account or any associated charges and was surprised to learn that it was listed as an unpaid obligation on my XXXX report. 

Upon further investigation, I contacted M & T Bank, where a representative informed me that the charge had passed the statute of limitations for collection, and as such, M & T Bank would be removing it from their internal records. However, despite M & T Banks acknowledgment that they will void the charge in their system, the negative entry remains on my XXXX report. 

I am perplexed by this situation, as M & T Bank has confirmed that they will no longer pursue collection of this debt, and the amount in question is no longer collectible due to the statute of limitations. Despite this, XXXX continues to reflect this erroneous charge, which is preventing me from opening an account at XXXX XXXX XXXX XXXX. 

To resolve this matter, I respectfully request that XXXX update my report to reflect the accurate status of this charge, as confirmed by M & T Bank. I am also requesting that XXXX remove this negative entry from my report, as it was reported in error, and my conversation with M & T Bank that supports my claim. 

Please review this information and have XXXX XXXX update my report accordingly. 

I appreciate your prompt attention to this matter and look forward to its swift resolution. Should you need further clarification, I am happy to provide it. 

Thank you for your time and assistance in advance.

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 2024-11-23 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: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I noticed some instances of late payments on an account tor which I have always maintained timely payments. consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative imagines information be reported with upmost accuracy. I have never missed a payment on my XXXX  XXXX  account XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to Furnish proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2024-11-23 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: MI

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  XXXX balance {$520.00}, XXXX XXXX, XXXX balance   {$130.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$4100.00}, XXXX balance {$950.00}, XXXX XXXX XXXX balance {$270.00}, XXXX XXXX balance {$0.00}.

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 2024-11-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion received my formal dispute letter on XX/XX/year>, which requested a manual reinvestigation of specific inaccuracies on my credit report. The dispute explicitly objected to the use of automated processes, such as XXXX, and required verification directly with the original creditors. Despite my request, TransUnion failed to provide a response or resolve the disputed items within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ), with the deadline being XX/XX/year>. 

Additionally, I sent a 15-day follow-up letter and a final demand letter, both via certified mail with return receipt, reiterating my original requests. TransUnion has yet to comply, nor have they sent any certified responses to my correct address, despite having documented proof of my current address from the dispute letters and supporting documents I provided. 

Furthermore, they have repeatedly stated they would send investigation results in 7 business days, but I have not received these responses. It is possible that TransUnion is sending sensitive personal information to an incorrect address, which I have never lived at, exposing me to potential identity theft and further violations of my rights under the FCRA. 

The continued failure to respond appropriately or address the inaccuracies on my credit report has caused significant emotional distress and 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 non-monetary relief
Consumer complaint received 2024-11-23 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: TN

Complaint narrative:
Ambiguous Status Descriptions : The status description " Seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department '' is vague and does not provide clarity about whether the account has been resolved, transferred, or sold. 
XXXX also lists the status as " NotsatisfyingF20_TRADE, '' which is unclear and not in compliance with FCRA 's standards for clear and accurate reporting. 
Unclear Account Resolution : If the account has been transferred, sold, or otherwise resolved, this information must be accurately reflected across all credit bureaus. 
Credit Utilization Impact : The account lists credit utilization as " -- % '' without clear calculation. If the balance affects my credit utilization, the calculation must be accurately provided and uniform across all bureaus. 

Requested Action I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including balances, status, and remarks, across all credit bureaus. 
Provide a clear and accurate account status that reflects its resolution, whether it has been transferred, sold, or remains active. 
Remove ambiguous designations like " NotsatisfyingF20_TRADE '' and replace them with compliant and understandable descriptions. 
Clarify the credit utilization impact and ensure that it is reported accurately if this account contributes to my utilization ratio.

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 2024-11-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute letter to TransUnion addressing multiple inaccuracies on my credit report, including late payments, unauthorized hard inquiries, account inaccuracies, and unverifiable collection accounts. TransUnion received the dispute on XX/XX/year>, as confirmed by certified mail with return receipt. I explicitly requested that TransUnion verify the disputed items directly with the original creditors, exclude third-party data sources like XXXX, provide detailed documentation, and send all responses via certified mail to my correct address. 

After receiving no response, I sent a 15-day follow-up letter and a final demand letter, both via certified mail with return receipt. Despite these efforts, TransUnion failed to respond to my dispute within the 30-day legally mandated timeframe, which expired on XX/XX/year>, violating FCRA Section 611 ( a ). 

TransUnion has since claimed to have sent investigation results via mail, but I have not received anything within their stated 7-business-day timeframe. Additionally, I discovered that TransUnion has been sending correspondence to an incorrect address where I have never lived, exposing my sensitive information to the risk of identity theft. 

TransUnions mishandling of my dispute and negligence in safeguarding my personal information have caused significant emotional distress, financial harm, and further damage to my creditworthiness due to unresolved inaccuracies. Their continued noncompliance with the FCRA and disregard for my requests have exacerbated 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX is reporting inaccurate public records to the credit bureau which is not allowing me to get approved for a home loan. I dont not have XXXX XXXX  on my account that they are reporting also the XXXX courts did not give them permission to report such information there its a crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}

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 2024-11-23 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: FL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
Monterey Financial has violated the FDCPA. 
Despite our correspondence disputing a debt they were attempting to collect, they failed to validate the debt as required by law and continued their collection efforts unlawfully. We formally disputed the debt in writing and requested validation as outlined under the FDCPA. Monterey Financial did not provide any validation of the debt, yet they persisted in their collection attempts. This is a direct violation of our rights and has prevented us from resolving the matter appropriately with the original creditor. 
This debt must be returned to the original creditor so we can address our past-due balance directly with them and finalize the cancellation of our contract. Monterey Financial 's interference has complicated the process and caused unnecessary stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2024-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX Balance Owed {$7300.00} XXXX XXXX XXXX Balance Owed {$2600.00} XXXX XXXX XXXX Balance Owed {$1400.00}

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 2024-11-23 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed {$7300.00} XXXX XXXX XXXX Balance Owed {$2600.00} XXXX XXXX XXXX Balance Owed {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief