vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked. 
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  A Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2024-04-29 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: MI

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Primus Law PC
State: UT

Complaint narrative:
My past due medical bills were sent from the collection agency to a law office. They sent me a letter saying I owed an amount. I called them to talk about it. XXXX stated she wasnt going to go over it with me over the phone and would send me the bills I requested. On the XXXX of XXXX they sent me a summons for court. I called them on that day and the lady said in her notes she went over my account with me which is a lie because she said she couldnt and would send them to me in the mail. I called again today the XXXX to set something up to try and get it paid and the guy I talked to said the First Lady never requested the bills to be sent to me the first time I called on XX/XX/XXXX. So their employee never followed up so I could verify my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ever since I started banking with BMO Bank last year, they have always put a hold on my deposits without ever notifying me, I only find out about the holds when I call in, and they never give a reasonable reason for the holds, and the deposits always clear with no problems after their XXXX business days hold or XXXX weeks hold not including weekends. Most recent incident was today XX/XX/24 I deposited at a branch and the BMO app messaged me saying the check was credit to my available balance, then I proceeded to pay my sub XXXX and received a error message and email telling me to call in to BMO to remove error and restriction. As I call in and explained the associate kept cutting me of and putting me on hold, then she says I don't understand what the situation is, then I say she's the ones that doesn't understand because she keeps cutting me off. I asked her why is it I called in to remove error and restriction on XXXX because of BMO email but she is telling me my deposit just got put on hold until XX/XX/24 and why was there a message in the BMO app saying I was credited and my available balance is XXXX something, she say she doesn't have an answer and will transfer me to a supervisor but never did and XXXX ded annoyed because I would not except her unreasonable answer for the hold and notices recieved via BMO mobile app. Mind you this deposit is from dame issuer and they have many of the same issuer in deposit history that cleared without a problem. She got annoyed that I didn't understand the situation and I told her she would understand my situation and if she stopped cutting me off everytime I tried to explain and I asked them to look at the record of how many times I called amd messaged about this issues and why it keeps happening, she kept going on about stuff that I did not ask then hung up on me when I say I hope BMO reviews this call recording to better train staff on not cutting clients off and fully understanding the clients problems to better solve. No transfer to supervisor no clear answers, and hung up.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As outlined in Section 621 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute notice. This includes entering a notice of dispute on my credit report. To date, I have not received any communication regarding the investigation of this dispute, nor has a notice of dispute been placed on my credit report for the account XXXX XXXXXXXX. Given your failure to comply with FCRA regulations by not investigating the disputed information and entering a notice of dispute, I demand the immediate removal of the accounts outlined in the dispute letter sent XX/XX/2024 ( attached ). Furthermore, the disputed account was never verified. XXXX is reporting XXXX late payments while Transunion states that no payment history is available. XXXX has removed this account. The account numbers on XXXX and Transunion do not match. If I do not receive confirmation of the account 's removal, I will be forced to pursue further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and considering legal options. I have attached a copy of my credit report clearly showing the absence of a dispute notice for the accounts and the dispute letter, which is dated, and time stamped.

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 2024-04-29 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: EQUIFAX, INC.
State: AR

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am following up regarding the unauthorized hard inquiries listed below on my credit report, as previously raised in my complaints :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: MD

Complaint narrative:
There are XXXX student loan debts on my credit report that are in good standing and transunion has been changing the debt payment amounts arbitrarily which is negatively affecting my credit score. They are making claims that I've made payments on the debt, then will submit another statement increasing the debt amount when no such payments or increases have occurred with the debt. This is only occurring on my credit report with Transunion.

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 2024-04-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/year> I purchased a vanilla gift card from my local XXXX and activated it with {$450.00}. In less than 30 minutes, I opened the card and there were numbers missing from the middle of the 16-digit card. I immediately called vanilla and was told, unfortunately, I had to wait 3 to 5 business days to receive a replacement card. I was very upset in that they only took 2 minutes to take my money, sold me a bogus card, and them tells me I have to wait 3 to 5 days to get a replacement. I went back to XXXX and was told they were unable to assist me. I contacted Vanilla customer service again and asked to speak to a manager, which none was available, and was told I needed to put in a case and wait 7 to 10 days to receive a replacement card, even longer than the original wait period. They claimed I was given the wrong information from the original customer service agents. I placed what I thought was a claim, was told to hold on to the card and receipt and I waited. 

On XX/XX/year>, I contacted them to get an ETA on when I would be receiving my card and was told I was missing documents and needed to provide photos of the receipt and card. I asked them, why was I not informed the first five times I initially contacted them and placed a claim about this issue. Again, " I am sorry, there was a miscommunication and now you have to wait an additional 3 to 5 business days after you submit the documents ''. I was also told that I would receive an automated email after the email with the supporting documents were provided and I did not receive it. I called them back and was told to wait an additional 24 hours to receive confirmation. 

At this point I think Incomm is gruesomely taking advantage of vulnerable consumers and causing great harm. Consumers purchase these cards to pay bills, provide for family members and charities to help those in need. It is a shame that they appear to not be facing any consequences for their actions. Consumer alerts deterring the purchase of Vanilla gift cards should be the least of actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent inquiries on my report that I do not recognize form the following companies : XXXX XXXX XXXX, Date Inquiries ( XX/XX/202XXXX XXXX XXXX XXXX, Date Inquiries ( XX/XX/2023 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
This information is for a case already opened for a issue I am occurring and can't add more to that case. 

Between from when the fraud on my Wells Fargo checking account occurred and to XX/XX/year> ; there has been more fraud/identity theft presumed. One of my personal credit cards were used fraudently all across from XXXX to even XXXX on purchases that were not authorized by me. Additionally, someone attempted taking a loan out in my name, address and social security number. Luckily nothing came to the loan, only the credit card. I called both parties of the credit card and loan company and they both helped me resolve the issue. I am sick and over all of this and have contacted my local FBI department in XXXXXXXX XXXX. They and the loan company both agree that this is a matter of identity theft. I have froze all my credit cards and all of the credit bureaus until this matter is solved and/or the FBI has solved/fixed the issue. This has been nothing but a headache and gut wrenching. I am to the point of almost struggling due to all of this. 

XXXX XXXX : XXXX I am writing to file a formal complaint regarding the handling of a fraudulent withdrawal from my account. I recently discovered that {$98000.00} was fraudulently withdrawn from my account through wire transfers. While I appreciate the return of {$25000.00}, I find it unacceptable that only a fraction of the stolen amount was reimbursed. I want to emphasize that I took every possible precaution to protect my account. I did not open any suspicious emails, respond to any messages, or answer any phone calls that could have compromised my security. Despite my efforts, my account was still compromised. A Wells Fargo investigator did mention something about " sim phishing '' The fact that only {$25000.00} was returned to me implies that I am somehow at fault for this fraudulent activity, which is simply not the case. I urge you to reconsider your decision and provide a reimbursement for the full amount stolen. I expect a prompt and satisfactory resolution to this matter. Failure to do so will leave me no choice but to escalate this complaint further. 

Sincerely, 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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax Information Services LLC Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Documentation and Review of Credit Report Dispute Resolution To Whom It May Concern, I am writing to formally challenge the conclusions reached in your recent investigation regarding the account ending in XXXX, as reported by XXXX XXXX XXXX XXXX XXXX. Your response dated XX/XX/2024, states that adjustments have been made to my credit file. However, it fails to provide a comprehensive disclosure of the investigative process, including crucial documentation that verifies the legitimacy of the data furnished and its compliance with applicable laws and standards. 

Demand for Evidence and Compliance Verification : Documentation of Authority and Accuracy : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( a ) ( 6 ) ( B ) ( iii ), I request detailed documentation that supports the results of your investigation. This should include : A copy of the original contract or agreement with XXXX XXXX XXXX XXXX XXXX. 
Correspondence or transaction records that validate the reported data. 
Verification of Calculation and Reporting Standards : In light of XXXX XXXX XXXX XXXX ( XXXX ) guidelines, particularly those related to the reporting of credit losses under XXXX XXXX, provide evidence of the methodology used in determining the " Charge Off Amount '' and its alignment with Generally Accepted Accounting Principles ( GAAP ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regulations : Given the amendments under the Bank Secrecy Act ( BSA ) and its XXXX frameworks, please furnish details showing your compliance with these regulations during the data furnishing and investigation processes, particularly concerning the verification of my identity and the prevention of fraudulent reporting. 

Resolution and Compliance Demand : I think your response 's discrepancies in the reporting and the lack of transparency are concerning. They suggest potential non-compliance with the FCRA and other relevant statutes, which may lead to legal ramifications affecting both our parties. Failure to adequately address these concerns might compel me to take further legal action, including but not limited to seeking statutory damages under FCRA 1681n and 1681o for willful and negligent noncompliance. 

I expect a response within 30 days of this letter, detailing the actions you have taken to rectify these issues and including all requested documents. Please treat this matter with the urgency and diligence it requires. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX without prejudice, all natural inalienable rights reserved. 


cc : Consumer Financial Protection Bureau New York Department of Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SOP Pioneer Partners LP
State: LA

Complaint narrative:
I applied for the Louisiana Servicemember Civil Relief Act interest change for XXXX XXXX military members. This is not the same as the Federal SCRA because the LA SCRA includes loans that started after the time I was on XXXX XXXX orders. The company denied me under the Federal statutes, stating that because I started the loan after my start of XXXX XXXX service. I emailed them letting them know that I was not filing under the Federal law, but under the Louisiana law. They never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to 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 non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I discovered that National Credit Systems is reporting an incorrect debt of {$6500.00} on my credit report. This debt was opened in NATIONAL CREDIT SYST and has been listed as open with an outstanding balance. The original creditor is listed as XXXX XXXX XXXX XXXX However, this debt was actually paid in full on XX/XX/XXXX. 

The inaccurate information being reported by National Credit Systems is in violation of the law, as the debt has been settled and should no longer be listed as open on my credit report. Despite numerous attempts to dispute this information, it has not been corrected. 

I request that National Credit Systems immediately removes this inaccurate debt from my credit report and takes the necessary steps to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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