vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: LA

Complaint narrative:
To Whom It May Concern, I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 91681 Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity 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 2024-12-20 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: LA

Complaint narrative:
To Whom It May Concern, I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 91681 Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fr
aud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
on XXXX, I direct transferred funds from my XXXX XXXX XXXX XXXX checking account to my daughter 's XXXX debit/credit card account ( one transaction for {$250.00} and a second transaction for {$3500.00} ). This is a free available online account function for XXXX XXXX XXXX XXXX  checking account members and I have used is several times before and after. 
The process is that you send the transaction via e-mail or phone number to a person and they receive a text or e-mail that initiates the transfer process. The recipient opens the e-mail or text link and enters their own account/debit card information on their end, without the giver having that information. 
The issue this time was that my daughter accidentally transposed a couple of numbers on her debit card while entering this information into the text link. There is or is supposed to be a confirmation protocol on my end as well as the recipient 's that makes you confirm before processing. I confirmed I wanted to send the money transfer to my daughter on my end, but she was never prompted to confirm anything on her end after entering her debit card/account information. 
Ultimately, her bank ( XXXX ) had a customer who had a debit card with the transposed number so the money went through to that card without ever having to go through any confirmation or security protocol. 
XXXX XXXX XXXX XXXX said they could not stop or reverse the transaction ( since they had been closed over the holidays and I could not get anyone from the bank on the phone after realizing she never received the funds ), it was too late. 
XXXX XXXX XXXX XXXX said they also could not and would not refund any money because the money transfer was from my checking account to a credit/debit card account ( not from checking account to checking account ), and said I would have to go through XXXX or Zelle. 
XXXX XXXX XXXX XXXX  further said that I had to file an official police report. I tried, but the police said there was nothing I or they could do. 
XXXXXXXX XXXX refused to stop/reverse the transaction and said they would not even look into the matter unless some account holder came forward stating they received funds on accident. XXXX also said there was nothing they could do because it was from a checking account to a debit/credit card. 
The transfer of funds went through Zelle ( who had Poor identity verification methods ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UMB FINANCIAL CORPORATION
State: FL

Complaint narrative:
I initiated XXXX XXXX transfers via XXXX on XX/XX/XXXX to pull funds from my XXXX account. The first was for {$8500.00} and the second was for {$11000.00}. 

Typically an ACH payment takes no longer than XXXX business days. XXXX is telling me that I will not have access to the funds until XX/XX/XXXX at the earliest because they are being held by UMB Bank ( the bank they use to receive payments ). 

Over 24 days later since initiating the transaction in the morning of XX/XX/XXXX. I have executed this exact transfer multiple times in the past and it took no longer than XXXX days. 

I was transferring funds to XXXX 's cash management account with the hope of paying bills. I am now unable to pay my bills. This is fraudulent and abnormal to hold funds for this long and without making me aware before initiating the transfer. 

Since they are unable to make the funds available earlier, I have also requested UMB Bank or XXXX simply send back the funds to the originating bank. I have asked multiple times and they are both unwilling to assist. 

UMB Bank and XXXX are offering no assistance at all to either make the funds available earlier or to return the funds back where they were sent from. Please may I request your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Hello, I am writing to formally dispute an unauthorized transaction on my account, which occurred while I was XXXX overseas in XXXX. Despite my repeated requests for you to freeze my account and issue me a new card, {$2400.00} was withdrawn from my account without my authorization. 

To summarize the situation : 1. Account Details : per request 2. Unauthorized Transaction : {$2400.00} was deducted from my account on XX/XX/year>. 
XXXX. Attempts to Protect My Account : Prior to the transaction, I made multiple attempts to notify your institution about the potential compromise and requested that you freeze my card and issue a new one. Unfortunately, my requests were not acted upon in a timely manner, leaving my account vulnerable. 

Given my XXXX circumstances, I entrusted your institution to take immediate and effective action to secure my finances. The failure to do so has caused me significant financial and emotional distress. 

I request the following actions : 1. A full refund of the unauthorized transaction amount, {$2400.00}.

2. A detailed explanation of why my requests to secure my account were not promptly executed.

3. Immediate issuance of a new card and assurance of enhanced security measures to prevent future incidents. 

I have attached any relevant documents, including XXXX orders and prior communications with your bank, to assist in your investigation. 

Please consider this letter a formal dispute under the Electronic Fund Transfer Act ( EFTA ) and any other applicable consumer protection laws. I expect a response within 10 business days, as required by law and your banks policies. 

Thank you for your prompt attention to this matter. I trust that your institution will resolve this issue fairly and expediently. 

You can reach me at XXXX ( XXXX ) XXXX if additional details are needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-20 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: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

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 2024-12-20 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: GA

Complaint narrative:
Since XXXX, XXXX, I sent several written requests to have inaccurate reporting information removed from my report. To date, none of the information has been removed nor updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, Capital One prematurely reversed a chargeback based solely on the merchant 's response and without having requested or considered my response. To make matters worse, their decision relied on the merchant 's factually inaccurate and fraudulent submission. Capital One 's actions were not only a clear failure to due process, but consistently involved conflicting and deceptive instructions and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I have almost XXXX inquiries from each creditor. I have not requested any financing from either of these creditors. The creditors advised that they are not able to provide anything because there is no account with them.

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 2024-12-20 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: Global Lending Services LLC
State: LA

Complaint narrative:
I have almost two inquiries from each creditor. I have not requested any financing from either of these creditors. The creditors advised that they are not able to provide anything because there is no account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: LA

Complaint narrative:
I have almost XXXX inquiries from each creditor. I have not requested any financing from either of these creditors. The creditors advised that they are not able to provide anything because there is no account with them.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm requesting an update to my credit report to reflect only my current employer as " Child Smile, '' where I am presently employed. This inaccuracy violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates the reporting of accurate information. The incorrect employer information not only misrepresents my professional profile but may also impact my financial credibility and future opportunities. I respectfully request the immediate correction of this error to accurately reflect my employment information and ensure compliance with federal laws. Please confirm the resolution of this matter immediately.

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 2024-12-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX This was an XXXX bill that was already removed from my credit report for account not mine.

this account was obviously sold to XXXX  where they reaged it and relisted it. In direct violation of the FCRA.

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 2024-12-20 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX : XXXX ( XXXX ) XXXX : XXXX Experian XXXX XXXX XXXX, TX XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Experian. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX : XXXX ( XXXX ) XXXX : XXXX Experian XXXX XXXX XXXX, TX XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Experian. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt.

The debt is validated to ensure that the reported information is complete and accurate.

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.

Company response to consumer: Closed with explanation