vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I mailed this company certified mail and return, XX/XX/XXXX and it is now XX/XX/XXXX still no responds in the timeframe of 15 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I attempted to contact the company 5 times to get verification of debt. They claimed they could not give it to me and I would need to contact a different company. When I started that I needed verification from them, as they were the ones to supposedly purchase my debt I was talked down to and hung up on several times. Velocity Investments is the company.

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 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was issued a cashier 's check for the sale of my boat ; the check came directly to me and was from Bank of The West. 

Upon receipt of the cashier 's check, I released my boat with all paperwork to the buyer XXXX XXXX. 

After 3 days in my account I receive notice from my bank that the cashier 's check was returned due to a stop payment. First, I was told a cashier 's check was as good as cash. Now I have no boat, no paperwork and don't have the money. I can't reach the buyer or anyone at Bank of the West.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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. 


has violated my rights. Or list of inquiries 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Re the following claim numbers : Transunion File Number : XXXX CFPB Complaint # XXXX Attorney general ( XXXX ) Account : XXXX XXXX XXXX Georgia Docket XXXX XXXX In response to my complaint, your company recently mailed me a notice from the Pennsylvania Attorney General 's office and the Consumer Federal Protection Bureau ( CFPB ) portal stating that the items are accurate and that you won't reinvestigate unless you need more relevant documents. 

The issue with this notification is that I gave your company, the Attorney General Offices, and the CFPB pertinent documentation from the United States Bankruptcy court supporting my claim, and you disregarded the information. 

After reading the FCRA law regarding the steps your company must do when a customer challenges a record in their credit file. It is stated in sections ( 4 ) and ( 5 ) that you must review and consider all pertinent information that I, the consumer, have given. 

Additionally, it stipulates that you must eliminate the item from your files if the consumer 's documentation renders sufficient. 

The sad aspect is that you are currently flagrantly " BREAKING THE LAW '' and infringing upon my rights as a federally protected consumer. This is my last attempt to work with your company to resolve this issue. 

Due to the fact that your company did not carefully review the pertinent documents I received from the US bankruptcy court and since there is evidence that your company was unable to validate my claims. You breached my rights in accordance with 15 USC 1681i ( 4 ) ( 5 ) ( i ) by neglecting to validate the public record, along with providing the clerk courts ' name that was used to validate the bankruptcy in their records. 

I demand that you remove the public record indicated below from my credit file for violating my rights under the Fair Credit Reporting Act ( FCRA ) regarding the handling of unverifiable material and failing to take into account the supporting documentation you 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, 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: 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.

The letters are stated with items and issues.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, 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: NM

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. 

The letters are stated with items and issues. 

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 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
In XX/XX/XXXX, I got a mailing from American Express inviting me to open a new credit card account, with a promotional offer of {$350.00} after spending {$3000.00}. I opened a new account ( ending in XXXX ), spent the required amount, and qualified for & received that offer. I paid all my balances on time. In XX/XX/XXXX, I called to close my account because I was going to go do volunteer work in a country in the XXXX XXXX where AmEx is not used. The customer service agent closed my account as requested. I specifically asked if there were going to be any other charges or fees incurred, and they said no. Then on XX/XX/XXXX, I receive an email from AmEx saying my XX/XX/XXXX statement is due on XX/XX/XXXX for {$280.00}! I thought someone may have stolen my card or something. I called AmEx and they said that because I closed the account less than 12 month after opening, the promotional offer was revered! Yet, no one had given me any indication of that possibility at the time of account closure. Otherwise. I would have chosen not to close the account! I asked to speak with a manager and he would not allow me to reopen my account and said " nothing can be done ''. I called AmEx several times after this, trying to explain the special circumstances of this problem, but they were not helping me resolve this, and would not even give me a discount on the fee. This feels really unfair and almost exploitative. Please help! I don't want my good credit score to be negatively impacted by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
On XXXX XX/XX/2023 I received an email from XXXX XXXX saying that TransUnion had dropped my credit score by XXXX points because of an inquiry. When I looked into who had made a credit inquiry it showed a company called " SyncB ''. I have no idea who XXXX is and I had NOT authorized ANYONE to check into my credit! 

Then I contacted TransUnion twice today and was on the telephone with the first helper for XXXX minutes before the phones didn't communicate anymore. So, I called back right away and was told by the second customer service person ( which in his case is oxymoronic ) that I needed to contact YOU to issue a report for TransUnion to even begin the dispute. 

Then after contacting YOU, I hear on the recordings that I need to contact the credit reporting agency first to have them do an inquiry ; but, TransUnion says I have to contact you people first to get a report BEFORE they will even check into things. I believe this is ridiculous in as much as I am the victim and I have to jump through more hoops to get something straightened out on my credit report instead of TransUnion simply doing their job to HELP the consumer- not pile things up for us!

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westcreek Financial
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete all inaccurate information that is hurting my file with XXXX XXXX XXXX XXXX looking over the report alot of data has been invalid and caused a lot of denials due to mislead information. please review and delete all listed items ASAP to help clean my file. 

The account : WC/KOALAFI was opened in my name on XX/XX/XXXX to an address I've never been associated with and without my approval. With a balance of {$1600.00} and this account was charged off as a bad debt on XX/XX/XXXX. 

ON XX/XX/XXXX I sent in all requested documents for this to be removed as fraud it wasn't done, and I called again today on XX/XX/XXXX and was told to send it again I sent the documentation again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, 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:
I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT- I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I received a report showing fraudulent accounts I disputed deleted on report number XXXX. I followed correct protocol and submitted my ftc report along with my disputes & disclosures. On XX/XX/2023 report number XXXX it is showing that Experian has added the fraudulent account back on my report and failed to notify me according to law FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to report incorrect and illegal information on my consumer report. I have been trying to get this information corrected and they refuse to make the corrections. I have again sent a certified letter to Experian with Exhibits highlighting the personal information and the accounts that are all reflecting incorrect reporting. They have been tarnishing my reputation and hindering me and my credit worthiness. This false reporting has been causing me undue hardship as I have not been able to successfully obtain a vehicle and affordable domicile. It is their grave responsibility by law to report correct information on a consumer 's report and also do their due diligence in verifying the information that is being reported to them from creditors before even reporting anything on a consumer 's report. Had this been done, most of these accounts would not have been reported to being with. There are multiple accounts that are have inconsistent information being reported across all 3 credit reporting agencies including personal info, account numbers, open date, closed dates, amount owed, payment history. I have attached the documents to this complaint that have been notarized and certified mailed to 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian XXXX XXXX  Important dates Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Bank Credit Cards

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 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/, I deposited a check in the sum of {$15000.00} into my business account, titled XXXX XXXX XXXX XXXX, at TD Bank , N.A . OnXX/XX/2023 the entire amount was made available to me. I transferred the funds into my brokerage account held at TD Ameritrade and made a short sell trade of XXXX securities. This trade added to a previously held position of the same security. On XX/XX/, TD Bank then placed a hold on the deposited check after making it available and after my transfer was made, thus reversing the transfer of funds. This was done with no notice at all. This reversal resulted in a Margin Call on my brokerage account due to the drop in equity. OnXX/XX/2023 the brokerage firm implemented a Margin Sell Off at a loss of {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Opened a personal account in XX/XX/2022, starting in XX/XX/2022 there was a compromised account issues. I requested a new account be created due to the issues that was still taking place. They stated a new account would be created and Fraud Department would address this matter moving forward. In XXXX  alone I had to file 70 disputes yet USAA refused to provide me a new account after I requested multiple times. I made the decision to apply for a new account and they denied this application request. Forcing me to keep an unsecure account resulting in fraud continuing to happen. They made the decision in the middle of the night to close all of my joint accounts and my spouses personal account that my name isn't attached to. Resulting in USAA to stop all the disputes I had to complete due to there failure they automatically closed them froze the accounts in a credit only mode and are withholding all of income for XXXX for 60 days. So we are now having to go to arbitration with USAA and causing us to potentially be evicted and unable to get food for our three kids. Our income is VA XXXX  and Social Security. We have also been charged with insufficient fund fees which they were not aloud to do as well. We have banked with USAA for 15 years. Only provided document closure for one account with my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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.

has violated my rights. Or list of inquiries 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