vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have had an account with BMO since XXXX of this year with numerous issues of delaying access to my funds. The most recent mistreatment to me was with BMO freezing my account after I deposited 2 valid and legal checks at the tell window that I earned legally with my company. This check was for a large amount ( {$100000.00} ) but I was not told prior to depositing the check that there would be a 7 day business hold on my check. Two days later my account was also frozen without notice. BMO said they sent a letter but this is unacceptable as freezing a business account isn't something that shouldn't be taken lightly or an owner shouldn't know about immediately. They requested ownership documents linking my name to the business, which I already provided when I opened the account. They informed me they did not have these documents to refer to. I now have to call several vendors and tell them not to cash checks for payment that is due from my company. This damages my business reputation and I am being penalized while doing nothing wrong. The checks are legal and earned legally and written out to my company. I have had transactions related to this business paying vendors for over 4 months with other large transfers into and out of the account. The issuer of the check is a large publically traded company who vetted me and my company as well. My business produces and sells crude oil and these transactions are normal for this type of business and production level. They informed me this freeze may last 30 days which is completely unnecessary and shows no regard for my business or reputation. My legally earned funds are being unjustly withheld for an excessive amount of time for no good reason. Please help

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 2024-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally financial. My application was sent denied credit call ask to speak to loan department manager no response at all just denied and securities stolen all these companies practice breaking the law NO RESPECT FOR FEDERAL GUIDELINES AN LAWS please investigate as a consumer the damage is serious car broken an got grand babies to get to an from school to have a bank steal from you your taking the security and trading on the second dairy market an you steal want to steal from the consumers UCC 1602 -1607 Please help me get justice from these criminals violating federal reserve act, consumers rights act I hope you will straighten this unfair consumer transaction the inaccuracies of credit scores is a violation alone all done at same time different scores

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
In XXXX, I sent a formal dispute letter to Credit Coll regarding an account they reported on my credit report. I cited violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( a ), as I never received the required written notice of the debt within five ( 5 ) days of their initial communication. I also demanded they validate the debt and cease all collection activities, including reporting to credit bureaus, under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692c ( c ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I was scammed on Zelle. Person used Zelle to steal {$2200.00} from me from a fake XXXX for sale listing on XX/XX/year>. Once the money was sent they immediately unenrolled the Zelle account and blocked me on all forms of communication. My bank, XXXX XXXX, and Zelle itself told me there was nothing they were willing to do about it and that my money was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: IL

Complaint narrative:
Spoke with customer representative with XXXX. They refused to prove or show the results of false information on my consumer report. I ask for these things not to be shared to the public due to my well being and choice of privacy. My credit has been compromised by data breaches as well. I have a FTC report. Reference # 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 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: MoneyLion Inc.
State: IN

Complaint narrative:
We Accidenlty make a direct deposit into a moneylion app and since we've had fraud and likey scam call us and since we've been locked out of our account with little help on allow to proceed forward with getting back our money and account. I've called a number of times for them to throw me through the same auto response telegram. And further more our account was just lock now we're afraid it's deactivated and deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: CITIBANK, N.A.
State: GA

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : CBNA, THD/CBNA Made on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

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 2024-12-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX DOB : XX/XX/year> SSN : XXXX Letter to remove inaccurate reporting of CREDIT INFORMATION TO WHOM IT MAY CONCERN : I received a copy of my credit report and found the following items to be error. Here as follows are items being report as ( CHARGE OFF ) in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 This debt is considered a charge off However, this actually considered income because I should have received a 1099c in order to account for this as income. This is not charged off. Im requesting that this is removed because it is not debt. This is considered income according to the IRS canceled debt income and INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
Us 15 1681 fraud has taken place with this company and this company is not trying to take accountability on the behalf of a fraud that was taking place. Information has been compromised in their system and they do not want to take accountability for the matters at hand. I have ax over and over again regarding this matter to be rectified and resolved. I finally yet to get anything resolved at this present time and I am seeking help with this matter. I'm looking for resolution immediately on this behalf. It was stated on a rebuttal that this company is not a bank. Please identify what umbrella is chime?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I ASK THEM TO REMOVE THIS DEBT THAT IS SHOWING UP ON MY CREDIT REPORT AS A CHARGE OFF OR SOLD AND I HAVE BEEN DOING THIS FOR OVER 5 YEARS AND STILL IS NOT REMOVED. I ALSO ASKED FOR A 1099C SINCE THIS WAS A CHARGE OFF OR SOLD AND RECEIVED NOTHING AS OF TODAY.

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 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> I hired a contractor called XXXX XXXX XXXX XXXX to remove debris from in front of my XXXX houses XXXX XXXX XXXX, Florida. Our houses were affected by hurricane Helene. XXXX ( the owner ) asked for a {$300.00} deposit as a downpayment. I paid him the {$300.00} and then he never did the job. I repeatedly asked for my money back and he eventually got belligerent over text. He never refunded my money and I sent a contract termination text on XX/XX/year>. I filed a police report, however, the police could not do anything since the fraudster is not located in our city. I then filed a claim with my bank, Bank of America, and submitted documentation showing that XXXX XXXX XXXX XXXX had committed fraud. My bank denied the claim saying that because the payment was made through XXXX XXXX there was nothing they could do. They suggested I reach out to the scammer to ask for my refund.

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 2024-12-22 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX DOB : XX/XX/year> SSN : XXXX Letter to remove inaccurate reporting of CREDIT INFORMATION TO WHOM IT MAY CONCERN : I received a copy of my credit report and found the following items to be error. Here as follows are items being report as ( CHARGE OFF ) in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This debt is considered a charge off However XXXX this actually considered income because I should have received a 1099c in order to account for this as income. This is not charged off. Im requesting that this is removed because it is not debt. This is considered income according to the IRS canceled debt income and INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.

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 2024-12-22 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: MI

Complaint narrative:
I have filed a Police Report and Identity Theft Affidavit XXXX XXXX is reporting two Fraudulent accounts on my TransUnion report. These accounts are NOT mine and need to be deleted immediately it states the following : ( Note -I was BORN on XX/XX/XXXX ) delete these accounts they are NOT MINE it says they were closed XX/XX/XXXX. This violates my Consumer Rights to Accurate and Fair reporting. Delete both accounts now and update my TransUnion XXXX XXXX! XXXX XXXX {$2700.00} XXXX XXXX XXXX Account Closed Date Closed : XX/XX/XXXX {$1000.00} XXXX  XXXX XXXX Account Closed Date Closed : XX/XX/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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
A Wells Fargo Credit Monitoring Service was purchased without my permission by either an employee or a customer without my permission.

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 2024-12-22 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: NJ

Complaint narrative:
XXXX XXXX is inaccurately reporting an account on my credit report, despite the same account being removed from both XXXX and XXXX due to inaccuracies or unverifiability. XXXX has failed to properly investigate my dispute and continues to report the account on TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ). This inconsistent reporting is damaging to my creditworthiness. The account in question has already been removed by XXXX and XXXX, indicating its inaccuracy or lack of verifiability. However, it remains on TransUnion. 
XXXX has claimed the account is being reported correctly but has failed to address the discrepancies across credit bureaus. 
I have requested a reasonable investigation as required by Section 611 ( a ) of the FCRA, but XXXX has failed to resolve the inaccuracies. 
Laws Violated : FCRA Section 607 ( b ) : Credit reporting agencies must report information with maximum possible accuracy.

FCRA Section 623 ( a ) : Furnishers must ensure the accuracy of the data provided to credit bureaus.

FCRA Section 611 ( a ) : XXXX failed to conduct a reasonable investigation into my dispute. 
CFPA ( Consumer Financial Protection Act ) : XXXX 's refusal to correct inaccurate data may constitute unfair and deceptive practices.

attached you will find a copy of my most recent utility bill for proof of address, my id, my social security car, a screenshot of the account removal from XXXX, a copy of my FTC complaint and my formal letter with the complaint

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 2024-12-22 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: NJ

Complaint narrative:
XXXX XXXX is inaccurately reporting an account on my credit report, despite the same account being removed from both XXXX and XXXX due to inaccuracies or unverifiability. XXXX has failed to properly investigate my dispute and continues to report the account on TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ). This inconsistent reporting is damaging to my creditworthiness. The account in question has already been removed by XXXXXXXX XXXX XXXXXXXX, indicating its inaccuracy or lack of verifiability. However, it remains on TransUnion. 
XXXX has claimed the account is being reported correctly but has failed to address the discrepancies across credit bureaus. 
I have requested a reasonable investigation as required by Section 611 ( a ) of the FCRA, but XXXX has failed to resolve the inaccuracies. 
Laws Violated : FCRA Section 607 ( b ) : Credit reporting agencies must report information with maximum possible accuracy.

FCRA Section 623 ( a ) : Furnishers must ensure the accuracy of the data provided to credit bureaus. 
FCRA Section XXXX ( a ) : XXXX failed to conduct a reasonable investigation into my dispute. 
CFPA ( Consumer Financial Protection Act ) : XXXX 's refusal to correct inaccurate data may constitute unfair and deceptive practices. 
attached you will find a copy of my most recent utility bill for proof of address, my id, my social security car, a screenshot of the account removal from XXXX, a copy of my FTC complaint and my formal letter with the complaint

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 2024-12-22 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief