vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: VA

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
in XXXX of XXXX  during a difficult time with lost. I went into my account online to make the payment I was very new to online payments at that time. Some sites you have to scroll down to submit payments and others you do not. I did not scroll down to hit the submit button for the payment to go through. And I missed the payment for that month but technical support departments of these companies can go into there sites and see that a person went into their account and XXXX XXXX  did tell me they saw where I had went online in a mannerable time and saw that I just did not scroll down and hit the submit button, but they refuse to excuse the 30 day late. I did not receive a text email nor a phone call. from XXXX XXXX XXXX XXXX regarding the missed payment nor a past due reminder. I was never late before that the company did not look at the pattern of my payments. They put the 30 day late on my credit report and I have requested many times that they remove the 30 day late from my credit report, but, they refused to remove it each time I requested it. 

It been 6 years now. and XXXX XXXX  said they will never take it off

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 2024-12-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
in XXXX of XXXX  during a difficult time with lost. I went into my account online to make the payment I was very new to online payments at that time. Some sites you have to scroll down to submit payments and others you do not. I did not scroll down to hit the submit button for the payment to go through. And I missed the payment for that month but technical support departments of these companies can go into there sites and see that a person went into their account and XXXX XXXX  did tell me they saw where I had went online in a mannerable time and saw that I just did not scroll down and hit the submit button, but they refuse to excuse the 30 day late. I did not receive a text email nor a phone call. from XXXXXXXX XXXX XXXX XXXXXXXX regarding the missed payment nor a past due reminder. I was never late before that the company did not look at the pattern of my payments. They put the 30 day late on my credit report and I have requested many times that they remove the 30 day late from my credit report, but, they refused to remove it each time I requested it. 

It been 6 years now. and XXXX XXXX  said they will never take it off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: IL

Complaint narrative:
in XXXX of XXXX  during a difficult time with lost. I went into my account online to make the payment I was very new to online payments at that time. Some sites you have to scroll down to submit payments and others you do not. I did not scroll down to hit the submit button for the payment to go through. And I missed the payment for that month but technical support departments of these companies can go into there sites and see that a person went into their account and XXXX XXXX did tell me they saw where I had went online in a mannerable time and saw that I just did not scroll down and hit the submit button, but they refuse to excuse the 30 day late. I did not receive a text email nor a phone call. from XXXX XXXX XXXXXXXX XXXX regarding the missed payment nor a past due reminder. I was never late before that the company did not look at the pattern of my payments. They put the 30 day late on my credit report and I have requested many times that they remove the 30 day late from my credit report, but, they refused to remove it each time I requested it. 

It been 6 years now. and XXXX XXXX  said they will never take it off

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 2024-12-07 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: FL

Complaint narrative:
I denied on several occasions in the last 30days to rent an apartment. Upon requesting from the leasigdesk a consumer report it was brought to my knowledge thats Equifax is once again reporting someone elses delinquencies on my credit report. I also noticed in the last month when I tried to check my credit report for all three credit bureau Im unable to check it for Equifax and XXXX because it says the credit bureau are reporting different information. Every 2-3 months Equifax continues to mix my credit file. This has been non stop for a year and since they cant seem to stop then they need to pay me for damages this has caused. The creditors the report from state that I dont even have accounts with them but Equifax continues to report several inaccurate and delinquent accounts that adversely affects my credit. I have been denied renting apartments, a mortgage, a car and job. I have sent Equifax multiple disputed and once I think the issues is resolved they mix my credit file up once again. As its visible to see in the attachments my credit score is significantly lower on Equifax and XXXX vs XXXX. On the leasingdesk consume report it stated that the negative accounts were never disputed but indeed they were several of times. The account would be removed then return. I have provided Equifax with documentation regarding debt validation none of the creditors have any information. I have no accounts with any of the creditors listed on that consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX {$62000.00} We accidentally sent a wire to a wrong old lender and explained the situation, we had bank of america place a recall on the wire transfer and the recipient sent the funds back on XX/XX/XXXX. Since then Bank of America is holding the funds and not letting us know why they are not releasing our funds at their end. They confirmed they have the money. They just dont give us a reason why theyre not releasing it. We have been calling Bank of America every day twice a day to get an update but we keep getting switched to different departments and nobody knows what theyre doing.

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 2024-12-07 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: AL

Complaint narrative:
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  Reach out to each one of these companies and ask them numerous of times to remove these account off my credit because i have no knowledge of them but they refuse. I'm guessing all these was done online somehow i'm not sure, but i need these gone off my credit asap. I then tried to dispute but nothing. I'm getting really frustrated with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: MO

Complaint narrative:
To whom it may concern, Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( s ) under the FCRA 611 ( a ) ( 7 ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting. I received back a denial of process and an assertion that the records of the inquiry ( ies ) reported were in fact UNAVAILABLE, or so they claimed! No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( s ), if not it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory Metro 2 format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter! You have NO MORE THAN 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. Account : 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 2024-12-07 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: MO

Complaint narrative:
To whom it may concern, Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( s ) under the FCRA 611 ( a ) ( 7 ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting. I received back a denial of process and an assertion that the records of the inquiry ( ies ) reported were in fact UNAVAILABLE, or so they claimed! No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( s ), if not it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory Metro 2 format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter! You have NO MORE THAN 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. Account : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: MO

Complaint narrative:
To whom it may concern, Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( s ) under the FCRA 611 ( a ) ( 7 ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting. I received back a denial of process and an assertion that the records of the inquiry ( ies ) reported were in fact UNAVAILABLE, or so they claimed! No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( s ), if not it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory Metro 2 format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter! You have NO MORE THAN 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. Account : 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 2024-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally file a complaint against BMO Mortgage regarding their handling of my home loan application. Despite my application being described by their bankers as " strong, '' BMO delayed the loan closing and funding, leading to unwarranted charges of {$600.00} per day for five days, totaling {$3000.00}. 

I was in full communication with BMO throughout the process and promptly provided all required documentation in a single submission. However, the delays were caused by their underwriters ' inefficiencies and errors, including mixing my XXXX  and XXXX  business filings. This lack of diligence and attention to detail was unacceptable. 

The delays appeared deliberate and financially exploitative. Furthermore, the lack of urgency and apathy displayed by BMO caused me significant emotional distress. I had to dedicate excessive time and effort to push this process forward, only to face mounting frustration at their mishandling of my case. 

As a resolution, I am requesting the following : The return of the {$3000.00} in unjustified charges. 
Compensation for the emotional stress caused by BMO 's negligence. 
Reimbursement for my time and effort in addressing and pursuing this matter, including filing this complaint. 
I urge your office to investigate these unethical practices and take appropriate punitive action against BMO Mortgage. Customers should not have to endure financial exploitation or such a disregard for professionalism during critical transactions. 

Thank you for your attention to this matter. Please let me know if additional details or documentation are required. 

Sincerely,

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 2024-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX. XXXXXXXX XXXX XXXX ( Reporting Multiple accounts ) XXXX. XXXX XXXXXXXX ( Fraudulent account/ Identity theft ) XXXX. XXXX ( Reporting inaccurate information about the account and Violating IRS guidelines for written off, Charge off, and discharged debt. ) 4. XXXX XXXX ( Reporting late payments when I was never late on the account/ Fraudulent charges were charged on the card/ this account is reporting false information ) XXXXXXXX XXXX XXXX XXXX XXXX ( Reporting inaccurate and unverifiable information damaging my reporting and Utilization. ) Stop reporting this account immediately I want it removed and deleted. 
6. XXXX XXXX XXXX credit card. ( VIOLATION FOR REPORTING THIS ACCOUNT/ THIS ACCOUNT WAS DISMISSED IN COURT AND WAS AHERED TO BE DELETED FROM REPORT. THIS COMPNAY HAD VIOLATED MY RIGHTS IN LITIGATION. REMOVE AND DELETE THIS ACCOUNT IMMEDIATELY. ) 7, Some collection accounts have violated several violations of my FC delete and remove immediately RA and FDCPA rights. I do not owe such debt These collection is not accurate or verifiable under 15 USC 1692g, 15 USC 1692e, 15 USC 1681n, 15 USC 1681o

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 2024-12-07 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX  Account Number : XXXX Reason for Dispute : The repossession status is inaccurate as the vehicle was redeemed. The late payments reported in XXXX and XXXX are also inaccurate. The late payments reported in XX/XX/XXXX to XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 90 days late ) are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
Claim number XXXX, XX/XX/XXXX at approximately XXXX XXXX  I sent {$11.00} from chime to XXXX XXXX I never received the money that I sent to myself I called and disputed the transaction on the 2nd and it was denied a few days later. I have opened the same claim multiple times and have been denied my refund for the monies I didnt received. According to Chime you can send money to any platform and it will be received to the individual but that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Central Portfolio Control did not contact me. The debt appeared on my credit report. 
I called the collector. 

The first call was unproductive. The agent stated that she could provide no documentation. After this call the settlement amount disappeared from the company website. On the 2nd call I was transferred several times. 

The 3rd agent ( XXXX ) took my debit card info. She stated it could take 2 days to process the payment. She provided a settlement letter. Phone records show no other calls to Central Portfolio.

My credit report now shows what the difference would have been without the settlement. Central Portfolio has refuted my XXXX dispute. This account has been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The credit bureaus Equifax, XXXX, and XXXX are reporting bankruptcies on my credit report, attributing the information to the US Bankruptcy Court. I have attached a letter from the US Bankruptcy Court verifying that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. Equifax, XXXX and XXXX is falsely reporting this information on my credit report and has not yet removed it. The United States Bankruptcy Court does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records. The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
For the past 2 years my equifax credit report has been reflecting an old score and hasnt updated in 2 years. When I sign in all the information is gone and the error message is XXXX. 
Fast forward a year, I am trying to purchase a home as a first time homebuyer and my lenders can not pull my credit from equifax either. Ive sent them my drivers license and birth certificate twice so they can update my credit file and verify me ( next day air with tracking ) and it still hasnt been updated. Im about to be denied a loan for purchasing a home I need by XXXX because of equifaxs incompetence. 

This is unacceptable due to the fact that we dont contract with equifax for this, they automatically pull this information and in return ruin lives. The only way to get this resolved is via the mail and po box they provide. Ive sent the information several times and equifax refuses to accept that there is anything wrong with my credit file. If I cant see my own credit file and neither can the lenders, there is indeed a problem. Please help

Company response to consumer: Closed with explanation