vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 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: MD

Complaint narrative:
To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i. 
In response to my dispute regarding the account XXXX XXXX ACCOUNT # XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate. 
According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( XXXX ) 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. 
The reporting of these account ( XXXX ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated. 
I hereby request the immediate deletion of this account from my consumer reports. 
Enclosed, please find a copy of my identification and a recent utility bill for verification purposes. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I have requested this account to be removed from credit report as a victim of Identity theft as this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: CA

Complaint narrative:
IVE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I REQUESTED FOR THEM TO PROVIDE ME WITH THE DOCUMENTS USED TO TAKE OUT THIS CONTRACT/AGREEMENT IN MY NAME. THE DOCUMENTS USED TO VERIFY MY IDENTITY. I DID NOT GET THOSE DOCUMENTS WHICH IS MY RIGHT WHEN REQUESTING FOR A DEBT COLLECTOR TO VALIDATE DEBT. EVERYTIME THIS AGENCY CALLS, THEY HARRASS AND RESPOND TELLING ME YOU KNOW YOU OWE THE DEBT. INSTEAD OF PROVIDING ME THE DOCUMENTS REQUIRED WHEN REQUESTED UNDER THE LAW. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. IVE REQUESTED FOR TRANSUNION AND XXXX TO COMPLETE AN INVESTIGATION AND VALIDATE THE DEBT. THEY HAVE YET TO DO SO, I ASKED THEM TO MAIL ME ALL DOCUMENTS USED TO VERIFY THIS DEBT AND PROVIDE ALL DOCUMENTS USED TO VERIFY THIS DEBT FROM THEIR INVESTIGATION. THEY HAVE REFUSED TO DO SO AND HAVE YET TO VALIDATE THIS DEBT. THEY ONLY TOOK THE DEBT COLLECTOR AT THEIR WORD. THESE TWO CREDIT REPORTING AGENCIES DO NOT REVIEW ALL FACTS AND DO NOT COMPLETE THOROUGH INVESTIGATIONS. THEY ALSO DO NOT PROVIDE THE RESULTS TO THE CONSUMERS IF THEY DID NOT FOLLOWING THE LAW. I AM FINALIZING A REPORT REQUESTED BY THE CALIFORNIA DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION WHILE THEY INVESTIGATE THE TACTICS OF THIS DEBT COLLECTOR AND THE CREDIT BUREAUS. THE AGENCY HAS TOLD ME INVESTIGATORS WILL BEGAN INVESTIGATING IF THERE IS NO FAVORABLE DECISION FROM THIS REPORT. IF THEY LOOK AT MY ADDRESS ON MY ATTACHED XXXX XXXX IT IS NOT THE ADDRESS WHERE THE ACCOUNT WAS OPENED

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 2024-02-25 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
IVE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I REQUESTED FOR THEM TO PROVIDE ME WITH THE DOCUMENTS USED TO TAKE OUT THIS CONTRACT/AGREEMENT IN MY NAME. THE DOCUMENTS USED TO VERIFY MY IDENTITY. I DID NOT GET THOSE DOCUMENTS WHICH IS MY RIGHT WHEN REQUESTING FOR A DEBT COLLECTOR TO VALIDATE DEBT. EVERYTIME THIS AGENCY CALLS, THEY HARRASS AND RESPOND TELLING ME YOU KNOW YOU OWE THE DEBT. INSTEAD OF PROVIDING ME THE DOCUMENTS REQUIRED WHEN REQUESTED UNDER THE LAW. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. IVE REQUESTED FOR XXXX AND XXXX TO COMPLETE AN INVESTIGATION AND VALIDATE THE DEBT. THEY HAVE YET TO DO SO, I ASKED THEM TO MAIL ME ALL DOCUMENTS USED TO VERIFY THIS DEBT AND PROVIDE ALL DOCUMENTS USED TO VERIFY THIS DEBT FROM THEIR INVESTIGATION. THEY HAVE REFUSED TO DO SO AND HAVE YET TO VALIDATE THIS DEBT. THEY ONLY TOOK THE DEBT COLLECTOR AT THEIR WORD. THESE TWO CREDIT REPORTING AGENCIES DO NOT REVIEW ALL FACTS AND DO NOT COMPLETE THOROUGH INVESTIGATIONS. THEY ALSO DO NOT PROVIDE THE RESULTS TO THE CONSUMERS IF THEY DID NOT FOLLOWING THE LAW. I AM FINALIZING A REPORT REQUESTED BY THE CALIFORNIA DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION WHILE THEY INVESTIGATE THE TACTICS OF THIS DEBT COLLECTOR AND THE CREDIT BUREAUS. THE AGENCY HAS TOLD ME INVESTIGATORS WILL BEGAN INVESTIGATING IF THERE IS NO FAVORABLE DECISION FROM THIS REPORT. IF THEY LOOK AT MY ADDRESS ON MY ATTACHED XXXX XXXX IT IS NOT THE ADDRESS WHERE THE ACCOUNT WAS OPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I opened two accounts at BMO Harris, one personal and one business ( for my rental property ). 

Simple Business Checking Account # XXXX opened on XX/XX/XXXX Relationship Checking Account ending in XXXX opened on, I think, XX/XX/XXXX I then deposited money into each of these accounts. 

The personal account received a {$25.00} opening deposit from XXXX XXXX  on XX/XX/XXXX, and then on XX/XX/XXXX I redeemed an I-bond worth {$11000.00} from Treasury Direct into this account. I believe the current balance should be {$11000.00}. 

The business account received a transfer for {$11000.00} from XXXX XXXX  on XX/XX/XXXX. I then used it to make some credit card payments, so I believe the current balance should be {$10000.00}. 

Sometime in XXXX I noticed that I was not able to log into my BMO account anymore. On calling them, I was told that my accounts had been frozen and I would hear from their fraud department " soon '' so that I could verify myself and regain access to them. That never happened. Eventually, in XXXX I called back and asked again for an update on these accounts, and this time I was told that the accounts had been closed as of early XXXX. 

I asked how I would be receiving my funds back, and I was told that I needed to contract the banks from which I transferred funds into these BMO accounts and request that they issue a " recall '' on the transfers. That sounded strange, but I did reach out to XXXX XXXX ( XXXX  XXXX  ) and Treasury Direct. Both told me that they had no ability to issue a recall for transfers that had already been accepted by the recipient bank over two months previously. I then reached out to BMO again to explain what I had been told by these institutions, and they told me they had no further information for me. 

I'm hoping that the CFPB can help me retrieve these funds that BMO seems to be holding, and which I seem to have no ability to reclaim otherwise. 

Thank you very much.

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 monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Starting back in XXXX noticed incorrect reporting on my credit report. I since have repeatedly disputed erroneous collection accounts with XXXX and Equifax about an XXXX XXXX XXXX and Charter Communication debt I do not have any knowledge about. 
I called XXXX XXXX XXXX first and was told that no information on the account was found nor my name or social, so I asked why was it reported to the credit reporting agency and on my credit report, but then they turned around and said well maybe it was due to not returning equipment. Well, I explained that I never had the account in question. They said that there was nothing they could do because they did not have that account. I also had the same experience with Charter. I did find it strange but since I couldn't get proof that the accounts existed I got frustrated and left it alone. 
Fast-forward to XXXX I found out that Equifax had a data breach and I believed this was the reason for the erroneous collection accounts. I disputed the accounts through my XXXX XXXX account and nothing happened. 
Still to this day, I am suffering financially, and emotionally from these incorrect accounts mainly because they keep posting as new open dates on my credit report. I am still trying to understand my rights and which dispute letters are most effective. I am suffering from homelessness at the moment and could use my rights to obtain fair credit but I am not able to get anywhere with these companies. I did file an identity theft report though I can not prove how my information is being used other than the erroneous accounts that originally popped up in XXXX. 
These reporting agencies are getting paid for keeping us in debt and there is no way they should allow a debt collector to report information without proof but make it hard for the consumer to dispute it and remove it. I am suffering from this currently. I am homeless with a job and do not qualify because it looks as if the debt is new and not over XXXX XXXX XXXX. I did lose some documents in storage due to homelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
in accordance with the Fair Credit Reporting Act This creditor has violated my rights under USC 1681 section 6 o 2 states have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft for the past 1 years while in XXXXXXXX XXXX my family that was providing the care stole my birth certificate license social security number and has been open account and getting medical attention with my name I have disputed this record many times and it was only removed once and the creditor place it back on my credit report its a fraud account its not me I have never had any medical done to have to use this company and its affecting my opportunity of buying a home I need it removed immediately I have file a police complaint and sent to all 3 credit company this is the company COMENTITYCAPITALBANKXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
In accordance with the fair Credit areporting act Transworld System INCXXXX Account # XXXX has voilated my rights. This company is unknow to me and i was not contacted at anytime to disagree with the charges. 

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 ststes a consumer reportung agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: CA

Complaint narrative:
Neither credit reporting entities properly investigated the late payments on my 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 non-monetary relief
Consumer complaint received 2024-02-25 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: CA

Complaint narrative:
Neither credit reporting entities properly investigated the late payments on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to express my frustration with the multiple attempts to contact me regarding missed payments and the suspicion that Bank of America may be setting traps to earn interest. I have encountered numerous instances where I have been unable to make payments on time due to various reasons, and despite my efforts to rectify the situation, the repeated contacts have been excessive and inconvenient. I am concerned that this may be a deliberate strategy to generate additional interest revenue for the bank.

I would appreciate it if you could investigate this matter promptly and provide me with a satisfactory explanation. Additionally, I request that you review your contact procedures to ensure they are fair and reasonable for customers facing financial difficulties.

Thank you for your attention to this matter. 

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 monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AK

Complaint narrative:
I am writing today about the issues I have experienced with Vanilla Gift Visa cards. My XXXX children each received a {$100.00} vanilla gift card for XXXX from their Great Grandmother in the mail. When we went to activate these cards there was an error with their online system. So I called them and spoke with customer service on XX/XX/XXXX. At which time they told me that the XXXX cards had been locked and so they would send me XXXX replacements for these locked cards. I received these replacement cards in late XXXX, but when they arrived they all had stamped on them {$0.00} as the balance. I tried to activate them anyways thinking that might have just been a printing error, it was not. So I took the day off on XX/XX/XXXX so I could call customer service to get this error fixed, and I spent hours on the phone that day being transferred around and to no avail. They told me they needed pictures of each card front and back but refused to provide the email address of where exactly to send this request ( which seemed absurd anyways because they know what card numbers they mailed to me as replacements ). Even so, I was trying to work with them and do what was needed to resolve the problem, but I was transferred to another department that lied to me by telling me they transferred my call to a completely different company called XXXX and could not help me nor could they transfer me back. It wasnt until I pointed out that thats not how phone systems work they cant transfer me to a whole different company with an extension and I also pointed out that they all had the same exact hold music. Only XXXX song played over and over and when I pointed that fact out she decided she could in fact transfer me back to the XXXX side. Every request for help was met with lies and misinformation they are trying to attempt to get me to drop the whole situation and forget about the fact that my grandmother spent her fixed income on these gift cards for her great grandchildren for a XXXX present. This issue was never resolved due to the last person I spoke with informed me that they would be needing documentation ( pictures of cards THEY sent me as replacements ) to be emailed but when I asked for the XXXX  time what email to send that to he pretended the connection was bad and hung up on me. Im tired and frustrated with this company. I have wasted my time and they have stolen money from an elderly lady. I need help resolving this issue because the way their customer service works is they try to wear you down until you just cant put any more energy into trying to resolve the problem and give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report and identified fraudulent accounts that are negatively impacting my creditworthiness. Kindly remove these accounts promptly, as they hinder my ability to obtain credit. Regarding the collection with no name or contact information, Im taking immediate steps to secure my financial standing and request the removal of this account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I went to the Experian website and there is no clear way to remove the incorrect information on their website. The names and address that are incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2024-02-25 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: NY

Complaint narrative:
15 U.S. Code 1681b permissible purposes of consumer reports

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 2024-02-25 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: NY

Complaint narrative:
15 U.S. Code 1681b permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
The reason you have received this complaint today is in reference to the company called XXXX XXXX XXXX which may be a pay day loan company based on an XXXX XXXX XXXX  and the information listed within my credit report is cited XXXX XXXX company cited based on behalf of another meaning that the company may not have had authority to access my credit report. I know for a fact that I do not have any information in reference to this an I need this off my credit report on the XXXX XXXX. I also have contacted XXXX XXXX and it seems as if they use an XXXX XXXX  XXXX  call center everyone sounds the same and none of them seem to listen, or just plain do not understand XXXX  and this needs to stop., I need the citation to XXXX XXXX, and the company that they work behind to make the inquiry XXXX XXXX to be removed from my XXXX XXXX Report. 

XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND, XXXX The address us wrong on the report and is over XXXX XXXX XXXX, and the phone number is wrong so I don't know what this is all about plius I understand there is a class action lawsuit, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , GA XXXX It's a business and no phone number - seems legit ( NOT ). How did XXXX verify this if there is no phones number? Please remove from the 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