vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: WA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: WA

Complaint narrative:
XX/XX/XXXX Sent via USPS Certified # XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : I am writing in regard to your response to my initial request for my Full Consumer File Disclosure. My request was very specific and I provided the exact sections of the FCRA which require you to provide it to me ( see copy of my original letter attached ). Your response was insufficient in that you did not provide the Full Consumer File Disclosure as requested and you sent me a credit report, see attached. I will once again state that I am requesting my Full Consumer File Disclosure pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) to include all other such information listed specifically in my initial letter. No response by you other than providing the Full Consumer File Disclosure as required by the FCRA will be acceptable.

My initial letter was my first request for a Full Consumer File Disclosure within the past 12 months and there is no provision in the FCRA which allows you to charge me for it. I expect your full compliance with the law and for me to receive my Full Consumer File Disclosure in a timely manner as required by the FCRA. Your failure to do so will result in me initiating legal action to force compliance under the law. Your timely response is appreciated, not later than 15 days from delivery of this notice. Act accordingly.

Once again, as was provided with my initial request, I am enclosing a copy of my drivers license, Social Security card and utility bill for identification purposes. You are instructed to mask the first five digits of my Social Security Number in all writings you return to me. Please note, I am NOT requesting a credit report. 

Thank you in advance for promptly satisfying this request. Thank You. 

Sincerely, XXXX XXXX Attached : Copies of my Social Security Card, Drivers License, and utility bill and initial request are attached. 

I AM ALSO A VICTIM OF IDENTITY THEFT CAUSED BY THE XXXX XXXX DATA BREACH, SO IT IS IMPARATIVE I RECEIVE MY FULL FILE DISCLOSURE.

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 2024-01-08 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: IN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. 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 non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion put a fraud alert on my credit report. I think I was able to remove it this past XXXX  XXXX  XX/XX/24. This has already caused be a problem opening up a saving account with another company. I tried to call them this morning XX/XX/24 to check if in fact it had been removed and was immediately transferred to someone in XXXX. The agent immediately wanted my SSN. I immediately asked her to transfer me to an agent in the XXXX because I am not going to give my SSN to someone who in not even a XXXX XXXX. 
I am sure I did not put the fraud alert on my credit report and I want details about who did and why.

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 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
The letter that I have attached should cover everything you need. 

The short of it, is that I was subject of a pig butchering scam and Crypto.com did not do their part to prevent or mend this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: MA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I do not recognize these credit inquiries. I have asked the credit bureaus to delete these inquiries but the bureaus did not do as I asked. I am providing an Identity theft report and I am asking that you remove these inquiries. These inquiries are inaccurate and are not mine. I demand that these inquiries be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I do not recognize these credit inquiries. I have asked the credit bureaus to delete these inquiries but the bureaus did not do as I asked. I am providing an Identity theft report and I am asking that you remove these inquiries. These inquiries are inaccurate and are not mine. I demand that these inquiries be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TN

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I ordered XXXX XXXX on XX/XX/XXXXXXXX  at XXXX XXXX for delivery. I live in an apartment complex where people take things that are left outside so I left very clear delivery instructions to call me when they arrive and that I will meet them for my order. I got an email saying my order was delivered but I never got a call saying anyone arrived so I went around to look for my food and there was nothing at the doors so I quickly tried to contact the number that was given with delivery but I was getting sent to voicemail. I reached out to XXXX XXXX to resolve it and they told me they would have to escalate it to the general manager and I would hear back in a few days. They never reached back out so I contacted my bank to dispute the transaction but they say they resolved their investigation and dont see fraud. Im not really sure what to do because I spent {$110.00} to not receive any type of merchandis or compensation for it like a refund or a re delivery.

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 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
From XX/XX/XXXX I had a Target Redcard interest rate of 22.90 % for Charges and 25.90 % for Cash Advances. On XX/XX/XXXX Statement it showed 28.15 % for charges and 31.15 % for Cash Advances. As a settlement, I politely asked for 3 months waiver of interest from XXXX XXXX, they gave only one month. Stated I could have one month as a courtesy. Called several times, same response. No additional waivers. 

Never received a letter for APR change nor was it mentioned on the statements which followed. No consumers attention at any time. The interest changed every 3mos during this time period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-08 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: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX XXXX XXXX  {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$150.00} XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry

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 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2024-01-08 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: NJ

Complaint narrative:
ining information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-08 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, XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: NV

Complaint narrative:
I submitted a non fraud dispute with this company XX/XX/XXXX regarding an item ordered on XXXX that wasnt received when expected due to the tracking also disappearing through the app. 
I provided additional documentation on the email provided and was told there would be correspondence. Once the product came on XX/XX/XXXX and put it in the mail to sender I requested a refund through the XXXX app ( still no correspondence or update on my banks side ) but the request was then approved for refund through XXXX app but on my side I still see no correspondence or update on my dispute from my bank so I decide to call into XXXX around XX/XX/XXXX. I was told by XXXX that the refund was in processing and would take XXXX weeks. Upon waiting so long I called XXXX today on the XXXX and was told that due to my dispute with my bank, my bank would have to provide the refund not them. So I called into the bank and they told me it would take 45-90 calendar days for an update on my dispute and thats all the information I was given. The agent was very nasty and kept pushing back at the fact that I was requesting more information as its been almost a month and Im only getting updates from XXXX. I asked for escalation and after being put on a XXXX minute hold I was transferred to a supervisor XXXX and I asked her for an update on my dispute, does it qualify for provisional credit as it has been almost a month and I havent had any correspondence from them and I also told her what XXXX said about them having to issue the refund on their side since the dispute was still in action. She stated because it doesnt break reg e my dispute doesnt qualify for provisional credit at this time. I quoted back to her what reg e was in this situation and she then stated that she just received an update on my claim on the XXXX but couldnt tell me what that information was and then proceeded to tell me she could withdraw my claim so I may get a refund and shed email me a document showing the cancelation and etc. I have not received anything from them in correspondence still almost a month in and feel they have broken reg e by not XXXX due diligence in the dispute process. Now Im not sure if I will receive my money for a product I dont have and mailed back after receiving over a week after the listed arrival date and Im frustrated because my bank is not doing anything to support me or advise me in the situation ; I am being misguided and lied too.i wish no one to have to deal with this kind of situation because you bank with your bank for support and security, if your bank cant provide either what are you supposed to do on this situation?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: SC

Complaint narrative:
I am writing to dispute hard inquiries that have appeared on my credit report. After reviewing my credit report, I have identified these inquiries that I know are inaccurate and should be removed : Experian XXXX XXXX All Banks XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2024-01-08 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: NE

Complaint narrative:
I have XXXX credit cards with Bank of America that I made payment arrangements wuth on XX/XX/XXXX One card was {$66.00} payment and the other was {$140.00}. I opted not to do autopay on these cards. The scheduled due date for payments was set for the XXXX of each month. I called on XX/XX/XXXX and made my payments early. One paymeny of {$400.00} and other {$140.00} by debit. On XX/XX/XXXX there was an unauthorized autopayment of {$140.00} and {$66.00} from my XXXX XXXX XXXX XXXX XXXX ( XXXX ) checking account. I had the representative shut off the unauthorized autopay. I called B of A on XX/XX/XXXX and spoke with a representative that processed a refund of {$140.00} and {$66.00} back to my XXXX account. I spoke to another representative about refunding the NSF fees caused by the unauthorized autopayments. The rep stated that once the refunds are applied to my checking account that my bank will refund the {$66.00} in total NSF fees to my account. When I spoke with the XXXX bank manager, he stated that the refund of the NSF fees is the responsibility of the financial institution that committed the error. I am requesting a refund for the total of {$66.00} to be applied back to my XXXX checking account

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