vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 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: NY

Complaint narrative:
Subject : Dispute of Fraudulent Account - XXXX XXXX, Account Number XXXX ** Dear TransUnion Dispute Department , This letter is to formally dispute the fraudulent account appearing on my TransUnion credit report, attributed to XXXX  XXXX , account number XXXX. I assert that I did not openn this account, nor have I authorized anyone to do so on my behalf. This account is fraudulent and is negatively impacting my credit score. 

I have previiously attempted to resolve this matter directly with XXXX XXXX, but they have failed to acknowledge my dispute or cease reporting this inaccurate information to your agency. I have also filed an Identity Theft Report with the Federal Trade Commission ( FTC ) on XX/XX/year>XXXX  and have included a copy of the reprtr with this letter. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that TransUnion conduct a thorough investigation into this matter and permanently delete this fraudulent account from my credit report. 

Attached are copies of the following documents as evidence supporting my claim : Copy of my FTC Identity Theft Report Correspondence with XXXX XXXX I expect a response to this dispute within 30 days, as rquired by the FCRA. Please provide written confirmation that the fraudulent account has been deleted from my TransUnion credit report. 

Sincerely, 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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: SC

Complaint narrative:
Who handles this? Im tryna get a car, and yall put this dispute comment on my account. Now Im stuck, and I need yall to remove it now. Why yall always doin this to people? This situation is wild.

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 2024-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Business Bureau
State: IL

Complaint narrative:
This company is trying to collect a debt I do not owe to them they also have damaged my credit which is illegal I did not claim I owed this debt nor have I ever had business with this company and under the fair credit act anything I did not consent to being reported to my credit my be deleted immediately and is also illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and it you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 109 1. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v.

Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Delete these items immediately XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
I transferred {$87000.00} from my XXXX XXXX XXXX XXXX to WISE on XX/XX/year>. I got a notification that they needed a source of income, which resulted from the sale of my home, so they requested the final settlement statement, which I provided. They said that they were reviewing the information, and two days later, they asked for the bank account where the money was residing, which I provided. Then, I waited, and they asked for a personal bank account statement for the last three months, the latest three months statement of earnings from the freelancing platform, the latest personal tax return document submitted to the official authority showing declared income earned, and service agreement contract with my clients signed within the prior 12 months. As I retired this year due to XXXX  issues, I could not provide all of this information, which seemed excessive, so I called them to refund the money. However, the agent had to apologize for every single question I was asked, and he did not know the answers to the refund process. Right now, the WISE transaction is canceled, but despite my better attempts to provide the necessary information to get a refund, the money seems to be in limbo, and I don't have a way to provide additional information for the refund. It strange that given that this transfer came from our wire from credit union, they don't have the details to reverse the wire and send me back my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-06 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: CA

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 explanation
Consumer complaint received 2024-10-06 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: 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.

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 2024-10-06 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: 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.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : Report # XXXX To whom it may concern : I, XXXX XXXX XXXX XXXX XXXX am a natural person, and I am physically submitting this dispute. This dispute is NOT being submitted by a third party. I am writing to dispute several inaccurate items that have been posted on my most recent consumer credit report provided to me by Experian. These items are damaging to the integrity of my consumer report and must be corrected in order to show a true and accurate representation of my credit history. The following items are listed below : Personal Identification Information My legal name is XXXX XXXX XXXX, XXXX ( Name ID # : XXXX ) as it is reported on my state drivers license. Remove the following names from my credit report, as they do not accurately represent me. I demand removal of all names listed below in my consumer report in accordance with 15 USC 1681i that do NOT present my name as it should be legally represented XXXX XXXX Name ID # : XXXX ; XXXX XXXX XXXX Name ID # : XXXX ; XXXX XXXX XXXX Name ID # : XXXX ; XXXX XXXX XXXX Name ID # : XXXX Inquiries I DID NOT AUTHORIZE THESE INQUIRIES. Please remove the following inquiries from my consumer credit report in accordance with 15 USC 1681i : DATES XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; Thank you for your cooperation concerning the aforementioned being disputed. Please send me an updated copy of my consumer credit report upon completion of your review. Thank You. 

Respectfully, 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 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We banked with Wells Fargo for many years, and one day, for no reason they closed all of our accounts, including our children 's bank accounts. We are ordinary hard working professionals and we think that this is a case of discrimination against our family. We requested that they re-consider this decision twice, but they did not do that and they did not provide us with any explanation, siting that they don't have to, based on some legal fine line language on the agreement, which we signed. There has been no reason for them to close our accounts, other than discrimination. We know that they have done this with others with similar situation. These account closures have interrupted our lives and it has brought about a tremendous burden and lost of time and it has brought humiliation to our entire 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 2024-10-06 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:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: NY

Complaint narrative:
I am writing to report a violation of the Fair Credit Reporting Act ( FCRA ) concerning the repeated inaccurate reporting of charge-offs and collections on my credit report. Despite my efforts to resolve this issue, I have encountered persistent inaccuracies that have negatively impacted my credit score and overall financial health. 

Key Issues : Repeated Charge-Offs and Collections : I have noticed that the following accounts have been repeatedly reported as charge-offs and collections each month, which is misleading and damaging to my credit profile XXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX : Account XXXX XXXX XXXX  XXXX  ( XXXX XXXX XXXX : Account # XXXX XXXX & XXXX XXXX XXXX Account XXXX XXXX Failure to Provide a 1099-C : Despite the accounts being classified as charge-offs, I have not received a Form 1099-C for any of these accounts. According to 26 U.S.C. 6050P, creditors are required to issue a 1099-C when a debt of {$600.00} or more is canceled. The lack of this form raises concerns about the legitimacy of these charge-offs and reflects a failure on the part of the reporting creditors. 

Inadequate Response to Disputes : I have contacted the credit bureaus multiple times to dispute these inaccuracies, but my requests have gone unanswered or inadequately addressed. This lack of response violates my rights under the FCRA, specifically 15 U.S.C. 1681i, which requires credit bureaus to conduct a reasonable investigation upon receiving a dispute. 

Impact : These inaccuracies are causing significant harm to my credit score and making it difficult for me to obtain new credit. I am concerned that this situation will continue to affect my financial future if not addressed promptly. 

Desired Outcome : I am seeking the removal of the inaccurate charge-offs and collections from my credit report and require the issuance of the 1099-C forms for the accounts listed above.

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 2024-10-06 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: NJ

Complaint narrative:
The List of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

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

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/year> BMO Mortgage Services received from XXXX XXXX XXXX a package containing documents requesting an Indorsed by the " Maker '' and " Drawer '' copy of the " Mortgage '', " Promissory Note '' or " Negotiable Instrument '' from BMO. BMO did send a copy of the " Note '' but it was only Indorsed by the " Maker '' and Title Company and Notary Public. UCC 3-103Indorsed " Maker '' and " Drawer '' Indorsement. I also enclosed a Notarized Allonge requesting a change of Indorsement within the " Negotiable Instrument '' from a " Blank '' Indorsement to a " Special '' Indorsement per UCC 3-205 ( a ) ( b ) ( c ) and IN Code XXXX ( a ) ( b ) ( c ) making the " Instrument '' payable to XXXX : XXXX XXXX XXXX XXXXXXXX : Beneficiary. BMO has sent a letter accepting the change of Indorsement but principle balance is still due and that the " Loan is still valid '' Denying my " Beneficial '' rights as the " Now Beneficiary '' to the " Trust '' per UCC 3-307 Notice of Breach of Fiduciary Duties. BMO has also failed to provide Remittance Transfer Coupon either Electronically or by delivered notification when requested.

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 2024-10-06 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I contacted LVNV FUNDING LLC ON XX/XX/year> requesting a debt validation letter and they in return sent me a letter showing how much is owed and who holds the account in their office. Someone named XXXX XXXX did not acknowledge the debt validation letter or send out the information. 

Under the FDCPA debt validation letters are governed by the FDCPA, specifically 15 U.S.C. 1692g, This section of the FDCPA outlines the debt validation process, which requires debt collectors to provide verification of the debt when requested by the consumer. Here 's how it works : Right to Dispute : Under 15 U.S.C. 1692g, when a consumer receives an initial communication from a debt collector, they have 30 days to dispute the debt or request validation.

Debt Validation Letter : Once the consumer disputes the debt in writing, the debt collector must provide a debt validation letter that includes details about the debt, such as : The amount of the debt. 
The name of the original creditor. 
Verification that the debt belongs to the consumer.

Suspension of Collection : During this period, collection activities must cease until the debt is validated.

Company response to consumer: Closed with explanation