vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Certificate of Deposit account number - XXXX Account closed ( XX/XX/2024 ) within allowable period of maturity. 
Follow-up with customer care - XXXX ( XXXX ) reference number XXXX It's been over 30 days, and no check has been received. This is the second instance of BMO not processing the fund request related to CD accounts.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Capital XXXX is purposely inaccurately reporting to consumer reporting agencies and bureaus after I requested validation of debt for account for {$440.00}. XXXX XXXX is reporting the following information : Date of last activity, Date reported, Date Account Opened, Last Payment. I have disputed this with the credit bureaus and XXXX XXXX has validated the debt with the credit bureaus and purposely neglected providing me with proper validation informatio.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Capital XXXX is purposely inaccurately reporting to consumer reporting agencies and bureaus after I requested validation of debt for account for {$440.00}. XXXX XXXX is reporting the following information : Date of last activity, Date reported, Date Account Opened, Last Payment. I have disputed this with the credit bureaus and XXXX XXXX has validated the debt with the credit bureaus and purposely neglected providing me with proper validation informatio.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX is purposely inaccurately reporting to consumer reporting agencies and bureaus after I requested validation of debt for account for {$440.00}. XXXX XXXX is reporting the following information : Date of last activity, Date reported, Date Account Opened, Last Payment. I have disputed this with the credit bureaus and Capital one has validated the debt with the credit bureaus and purposely neglected providing me with proper validation informatio.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 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

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX 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
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
Carrington Mortgage services returned my XX/XX/2024 payment twice. They would not accept secured payments from my bank. The last return was on the XXXX of XXXX which left insufficient time to get my payment processed before incurring a 30 day late. They would not waive the 30 day late reporting to the credit bureaus even though it was Carrington Mortgage services error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-02-29 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: NC

Complaint narrative:
I have not open an inquiries like these and strongly suspect they are just fraudulent inquiries.

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 2024-02-29 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: NJ

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

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 2024-02-29 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:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
On XX/XX/year>, I had an issue with XXXX XXXX  XXXX because they closed my account without reason and hold me money for 3 months. 

Last year I tried to open an account in a few banks an all of them declined my application. When I checked ChexSystem I noticed that XXXX  XXXX XXXX reported Account closed. Reason : suspected fraud activity and any amounts owed have been paid You can check in my last complaint that they closed my account after their ATM broke when I was making a deposit, they hold my money for months. Every time I called XXXX  XXXX XXXX they treated me like trash when I was calling to know about my money. 

I did not owe them anything. I made a dispute on ChexSystem they just changed it to " suspected fraud activity with no monetary loss ''. I demand the proof that they have to report that information. I need that false information delete from my report. 
I made a lot of complaints against XXXX  XXXX XXXX and if you can not help me with this, I will go to court. 

XXXX  XXXX XXXX affected my finances for almost 3 months, and they keep affecting me reporting false information. On top of that ChexSystem is allowing them to do that because I disputed the information, sent them proof of what happened and they did not help me.

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 2024-02-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Ive disputed this item and it is not mine.. and they are harassing me TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX DE 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
with the XXXX credit bureaus on my credit report on inaccurate information. I have sent XXXX dispute and verification of debt letters to the credit bureaus of the unverified debt. specific accounts such as XXXX, XXXX, XXXX, and other debt collections have not verified that I owe the debt. The XXXX bureaus have not provided me with the documentation that qualifies as verified debt. I have asked for the contracts or purchase agreement information from the debt collectors. Because I have never voluntarily agreed with any of these companies. I have also sent letters to the credit bureaus to remove all inaccurate personal information from my credit report. Including old addresses, telephone numbers, employers, and any other personal records about my personal information. It has not been done at all. I pulled and printed my current credit report as of this date today XX/XX/year>. I've demanded in multiple letters to update the information because the information is incorrect. I have asked for proof under the law proof of the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX XXXX, XXXX. Because no proof of the alleged debt was being provided. My credit report is completely inaccurate and out of date. And they are not updating the correct information. XXXX XXXX ADDRESSES, PERSONAL INFORMATION SUCH AS EMPLOYMENT, AND INQUIRIES OF MY CREDIT REPORT WITHOUT MY PERMISSION THAT AFFECT MY CREDIT REPORT HAS NOT BEEN REMOVED.

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 2024-02-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Harris & Harris, Ltd.
State: DC

Complaint narrative:
I talked with a rep from a company known as Harris and Harris claiming I got parking tickets violations. I never owned a car at all or have a car note.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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 have not open an inquiries like these and strongly suspect they are just fraudulent inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: WI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to address a matter of significant concern regarding the debt collection activities undertaken by XXXX XXXX XXXX XXXX XXXX in connection with the alleged debt associated with my credit report. It has come to my attention that there may be a serious lapse in compliance with the laws of the state of Wisconsin regarding debt collection licensing. 
Upon recent examination of the relevant state regulations, I have reason to believe that XXXX XXXX XXXX XXXX XXXX XXXX not possess the required licensing to conduct debt collection activities within the jurisdiction of Wisconsin. This letter serves as a formal request for the Consumer Financial Protection Bureau to enforce a cease and desist of all collection activities immediately from XXXX XXXX XXXX XXXX XXXX. 
It is imperative to bring to your attention that XXXX XXXX XXXX XXXX XXXX engaging in debt collection activities without the proper licensing is a direct violation of the Wisconsin state law. 
Your immediate attention to this matter is crucial, and I appreciate your cooperation in ensuring that all actions undertaken by XXXX XXXX XXXX XXXX XXXX align with the legal requirements of the state of Wisconsin. Thank you for your prompt attention to this matter. 
Sincerely, 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to lodge a formal complaint against TransUnion for its failure to provide me with a copy of my Rental/Tenant Screening Score and Consumer Report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I contacted TransUnion 's SmartMove service to request a copy of my " ResidentScore. '' I was informed that I was not entitled to access this report unless I submitted a housing application. I explained that I am currently applying for housing and wanted to ensure I am fully informed of the information potential landlords are receiving about me. This is crucial for me to address any potential inaccuracies and ensure that I am not unfairly denied housing or subjected to higher security deposits based on this information. 

Following their instructions, I called TransUnion directly at XXXX, where I was redirected to another number, XXXX, to request my tenant screening report and score. Once again, I was told I could not access my report unless I had already submitted a housing application for screening. 

This runaround and ultimate denial of access to my own consumer information is frustrating and appears to be in direct violation of consumer protection laws that guarantee me the right to access the information that credit reporting agencies have on me. The Fair Credit Reporting Act entitles consumers to obtain a copy of their credit report annually, as well as under certain other circumstances, to ensure transparency and accuracy of the information that can significantly impact their lives. 

The inability to access this information prevents me from taking proactive steps to understand and, if necessary, dispute any incorrect information that could adversely affect my chances of securing housing. It is imperative for consumers to be empowered with the same information that potential landlords have access to, to ensure fair treatment and to prevent potential discrimination. 

I am requesting the CFPB 's assistance in investigating this matter and compelling TransUnion to provide me with a copy of my Rental/Tenant Screening Score and Consumer Report, as is my right. Also, I'd like to ask that the CFPB take any additional actions deemed necessary to ensure that TransUnion complies with all applicable consumer protection laws to prevent similar situations from occurring to other consumers. 

Thank you for your attention to this matter.

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 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it May Concern : On XX/XX/2024, at approximately XXXX XXXX, I received a call from a number associated with Bank of America, prompting me to answer, as I had experienced a card hack over the past weekend and assumed it was related to that. The caller, claiming to be a Bank of America representative, informed me of potential fraud on my account through XXXX. Inquiring about the nature of the fraud, I was told that someone was attempting to initiate transfers of {$2000.00} and {$1800.00}. 
Expressing disbelief, I sought clarification on how such transactions could occur. The Bank of America representative suggested transferring me to XXXX for further assistance. Simultaneously, I decided to call back the original number from Bank of America and was placed on hold. During this time, I was provided with two cancel codes to halt the unauthorized transfers of {$2000.00} and {$1800.00}. Following their guidance, I entered the codes into my XXXX account. 
Unfortunately, the input of these codes resulted in the unintended removal of funds. Confused and concerned, I questioned the Bank of America representative about the deduction, to which they assured me it would be rectified and then promptly ended the call.

I have made two formal requests to Bank of America for the reimbursement of {$990.00}, which was withdrawn from my account without my authorization. 
Bank of America has indicated that they will not reimburse the funds, citing the inability to retrieve them from XXXX. This course of action is not in accordance with Regulation E 's Error Resolution. I kindly request assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter appropriately. 

Sincerely, 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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Chemical Bank closed my money market account in XX/XX/2018 and no monies were ever sent to me or escheated to the XXXX XXXX XXXX. The account, a money market account would have rolled up by merger to either Huntington Bank or XXXX XXXX several years later- both organizations claim they do not have the money - but XXXX XXXX did provide me funds from the CD that was rolled up and said that the money market would have gone to Huntington Bank XXXX My account which was in trust from my parents who passed away in XXXX had trust ID that the folks from Huntington and XXXX claim that could have been confused with a personal social security number within the bank. It may have been distributed to this person ( unrelated and known by me ) by mistake. Since the trust id and ssn of the other person had the same number ( same digits though a hyphen would have been after the first two digits of the trust id ).

Company response to consumer: Closed with explanation