vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> the credit company 's claimed that the information for a bankruptcy was verified. In your response you said the account was verified by XXXX XXXX, I disputed the accuracy of this information and they could not verify the account! You have violated my consumer rights. 
You stated that the account was verified, how did you come to possess this information? 
I am very sure I did not give you any permission ; no permissible purpose. 

15 USC 1681b ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses.

Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

18 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose.

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report.

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to.

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 2024-08-10 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: AL

Complaint narrative:
I

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-08-10 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: VA

Complaint narrative:
I noticed some things on my credit report that I didn't authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I am writing to formally dispute the information reported by your company to the credit reporting agencies regarding an alleged late payment on my account, referenced under Account Number [ Your Account Number ]. Specifically, I dispute the claim that a payment was made late on [ Date of Alleged Late Payment ]. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that creditors must maintain accurate records and provide sufficient evidence when reporting information to credit agencies, particularly in cases of disputed information. In light of this precedent, I request that you provide me with the following : Copies of all internal records and documents that demonstrate the payment in question was, in fact, received late. 
Detailed payment history of my account, including the dates and times when payments were posted to my account. 
Evidence of notification sent to me regarding the alleged late payment. 
Please provide this information within the timeframe prescribed by law. If your investigation concludes that the payment was not late or if you are unable to provide sufficient evidence, I request that you immediately correct the inaccurate information on my credit report and notify all credit reporting agencies to which you have reported this information. 

Failure to comply with this request may result in further action, as inaccurate reporting can have significant consequences on my creditworthiness and overall financial standing. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this dispute. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bmo keeps on blocking my XXXX, it has become very frustrating to operate my XXXX. 

Yesterday I sent a {$1500.00} of XXXX payment to myself, and I havent received The XXXX payment, I was supposed to receive it immediately, I was I will be going to receive it on Monday, XX/XX/year>. 

XXXX was made to receive the payment immediately, not after three days. 

And today when I went on XXXX of Bmo to send {$300.00} to myself on my other account, it placed me on hold I already verified myself on the automated system when I called Bmo, still, they asked my full name and wanted to send me a passcode on my phone number, which they were not able to send, then they started asking me The amounts of credits and debits I have received in my account, out of frustration I hanged up the phone.

I have reported this matter before against Bmo, Bmo need to change its ways of verifying the customer and stop harassment of the customers.

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 2024-08-10 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: U.S. BANCORP
State: CA

Complaint narrative:
I booked XXXX nights in XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, the purchase was made on XX/XX/XXXX via XXXX and was immediately cancelled. However, XXXX refused to refund any single XXXX and I started a dispute case in my US bank credit card. Credit card initially gave back my money but keep saying they were still investigating the case and eventually said the case was closed. But the dispute actually failed and I by chance saw it charged back to me of the entire {$480.00}. I'm disappointed with both XXXX and US bank credit card and will stop using either of them once this is resolved.

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 2024-08-10 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: Thaxton Investment Corporation
State: GA

Complaint narrative:
I contacted heights finance and told them I was a victim of identity theft they disregarded this. I submitted police report which was filed way before this loan was opened they still disregarded I sent them ftc report they still disregarded. I even offered to pay XXXX to remove this from my report they still refused. This company needs to be held accountable for disregarding the FCRA and consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, section 602 ( a ) emphasizes the importance of consumer reporting agencies acting responsibly with fairness, impartiality, and a respect for consumer privacy. XXXX, XXXX, and Experian are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is protected. This right is reinforced by 15 USC 6801, which mandates that financial institutions respect the privacy of their customers and protect the confidentiality of their nonpublic personal information. As per 15 USC 1681, section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report with the written consent of the consumer. I have not given XXXX, Experian, XXXX, or any financial institution my written consent to share my information. Therefore, any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. According to 15 USC 6802 ( b ) ( c ), financial institutions must inform consumers of their right to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. I was not informed of this right by the information furnishers to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may include adverse information in a consumer report that is older than seven years, except for records of convictions of crimes. The adverse account being reported by XXXX and Experian is without my permission and is against the law. Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) states that a person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. Also, 15 USC 1681e requires consumer reporting agencies to maintain procedures to prevent violations of section 1681c and to ensure that reports are furnished only for permissible purposes. XXXX, XXXX, and Experian are failing to maintain these procedures. Lastly, under 12 CFR 1016.7, a consumer has the right to opt out at any time. I am exercising my right to opt out of the reporting services of XXXX, XXXX, and Experian.

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 2024-08-10 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: MS

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report ACCOUNT NAME : ACCT # XXXX BANK XXXX Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items XXXX not appear on my credit report if they can't be verified by any evidence or proof.

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 2024-08-10 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: HI

Complaint narrative:
I am writing to formally dispute the information reported by your company to the credit reporting agencies regarding an alleged late payment on my account, referenced under Account Number [ Your Account Number ]. Specifically, I dispute the claim that a payment was made late on [ Date of Alleged Late Payment ]. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, the court held that creditors must maintain accurate records and provide sufficient evidence when reporting information to credit agencies, particularly in cases of disputed information. In light of this precedent, I request that you provide me with the following : Copies of all internal records and documents that demonstrate the payment in question was, in fact, received late.

Detailed payment history of my account, including the dates and times when payments were posted to my account.

Evidence of notification sent to me regarding the alleged late payment.

Please provide this information within the timeframe prescribed by law. If your investigation concludes that the payment was not late or if you are unable to provide sufficient evidence, I request that you immediately correct the inaccurate information on my credit report and notify all credit reporting agencies to which you have reported this information.

Failure to comply with this request may result in further action, as inaccurate reporting can have significant consequences on my creditworthiness and overall financial standing.

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this dispute.

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 2024-08-10 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: HI

Complaint narrative:
I am writing to formally dispute the information reported by your company to the credit reporting agencies regarding an alleged late payment on my account, referenced under Account Number [ Your Account Number ]. Specifically, I dispute the claim that a payment was made late on [ Date of Alleged Late Payment ]. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that creditors must maintain accurate records and provide sufficient evidence when reporting information to credit agencies, particularly in cases of disputed information. In light of this precedent, I request that you provide me with the following : Copies of all internal records and documents that demonstrate the payment in question was, in fact, received late.

Detailed payment history of my account, including the dates and times when payments were posted to my account.

Evidence of notification sent to me regarding the alleged late payment.

Please provide this information within the timeframe prescribed by law. If your investigation concludes that the payment was not late or if you are unable to provide sufficient evidence, I request that you immediately correct the inaccurate information on my credit report and notify all credit reporting agencies to which you have reported this information.

Failure to comply with this request may result in further action, as inaccurate reporting can have significant consequences on my creditworthiness and overall financial standing.

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this dispute. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: TX

Complaint narrative:
Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Amount : {$18000.00} I previously submitted a dispute to [ Equifax ] regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: TX

Complaint narrative:
Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Amount : {$9900.00} XXXX previously submitted a dispute to Transunion regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Transunion failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Transunion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, 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 2024-08-10 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: CT

Complaint narrative:
XX/XX/XXXX i sent in a dispute asking XXXX and Equifax to delete collection account from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX A debt validation was done by XXXX and the account could not be verified so therefore XXXX deleted the Collection account. Since then i have sent multiple disputes to XXXX and Equifax for this collection to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was reviewing the credit report and noticed that you had placed a bankruptcy on it

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 2024-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was reviewing my credit report and noticed that I had some inquiries and accounts that i didnt authorize

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