vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 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, lets 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. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report 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 Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-18 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 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, lets 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, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report 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 Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
My identify was stolen between the years XXXX. I filed a police report Incident Number XXXX once I had learned about this account. 

From my understanding, this account XXXX from XXXX was opened without my consent or knowledge and was later sold to Credit Corps Solutions. When I requested for further information on the account, neither XXXX or Credit Corps Solutions were able to provide the itemized receipts that led to the account balance. I have suspicions that the total amount are accruals from interest, but I have no access to this information as it is not my account. 

The person who stole my identity had opened a number of accounts under my name in the years spanning XXXX in which I followed XXXX recommendations to ( 1 ) execute a credit lock for years and ( 2 ) enrolled in Fraud Protection. I suspect the person was a previous roommate who had access to my information and home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TX

Complaint narrative:
My personal information was stolen and illegally obtained and distributed because of the XXXX data breach. XXXX has removed XXXX XXXX XXXX from my consumer credit report and my credit report but Trans Union is still reporting XXXX XXXX XXXX as a collection on my credit report. I have reached out to Trans Union and explained this issue but they have not responded. This XXXX XXXX XXXX XXXX being reported by Trans Union on my Credit Report and XXXX Credit report is causing serious problems for me concerning the ability to obtain credit.

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 2024-01-18 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: U.S. BANCORP
State: MO

Complaint narrative:
My online account was compromised by someone illegally obtaining my online username and password and between the dates of XX/XX/23 - XX/XX/23, an unknown individual accessed my online account illegally and sent multiple amounts of money from my checking and savings accounts to their XXXX account in multiple denominations totally {$5600.00}. The bank initially gave me a provisional credit and then sent the charge backs to XXXX who denied them for unknown reasons and now US Bank is trying to charge it all back to my account with no justified reason, thus throwing my account into the negative by XXXX XXXX XXXX. I did not authorize any of the transactions, nor did I give my username and password to anyone. All of the XXXX transactions were sent to a XXXX account with only the first name XXXX showing. I have not authorized any transactions to this unknown person.

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 2024-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX XXXXXXXX acquired Bank of the West, who was the originator of the loan for my XXXX 

In XXXX, I received a letter from the BMO collections department threatening action for delinquent payments. 

On the XXXX of XXXXXXXX XXXX I spent all morning talking to various BMO representatives and explained to them that I had never missed a payment on this loan, and in fact had always deliberately overpaid each month, so in fact I was overpaid. 

I also explained to them that their app shows that I am current and my next payment was not due for another month. 

Details : XXXX, began chat with XXXX, then was transfered to XXXX, who promised that her manager XXXX, would contact me. I was placed on a long hold, and then was told XXXX was having technical issues and would have to get back to me later. ( To this date, XXXX has never contacted me, nor anyone else from BMO ) I explained to XXXX that BMO has obviously lost payments during their acquisition of Bank Of The West, and she acknowledged that yes, many customers are having this problem. 

BMO opened a payment investigation ticket # XXXX, to resolve this error. 

I then asked to be transferred to IT support to report the bug in their app that is showing that I was not delinquent, and my payment was not due for another month. 

Ar XXXX, I was connected to XXXX, then transferred to XXXX who opened support ticket # XXXX to research the bug. 

During my first phone call, I emphasized to XXXX that BMO would face consequences if they impacted my credit report, and she literally said not to worry about that, that will not happen. 

Anyway on XXXXXXXX  BMO did file a negative report with the credit unions, and I am writing to understand my options. 

Afraid that this would happen, I had deliberately paid the payments BMO reported delinquent, and will prove to the bank at the end of the loan that fact. 

Now, 2 months later, I have not had any communication from BMO regarding this issue.

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 2024-01-18 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: FL

Complaint narrative:
Wells Fargo contacted me via mail on XX/XX/XXXX, concerning a settlement payment for my checking account, which I closed in XXXX, The settlement was for their illegal actions which they were found guilty of years ago. ( Reference number XXXX ) I called the Product Remediation Department as directed and was told my check would be sent within 20 days. As of today, XX/XX/XXXX, there is no check. When I call them back to ask about the delivery of the check, I have been told that it wasn't processed due to computer errors. The next excuse was holidays. After that, I was told to wait until 30 days. When that time frame came and went it became 45 days. 

Now I'm told that they have over 2 million checks to process and nobody knows when the checks will be mailed. 

At this point I thought I was being scammed. My next move was to call the Wells Fargo customer service number. After this I was told that it is not a scam and I was allowed to file a complaint with Wells Fargo. We are now past 2 months and there are no checks coming at all. I have come to believe they never will. 

I think WF is giving lip service to the courts and doing very little, simply to appear to be working on the problem while they wait out the clock on a court order. What, if anything, can be done to get these checks out of WF? I can hear the conversations in the background when I call. I know I'm not the only person enquiring about my 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 explanation
Consumer complaint received 2024-01-18 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: NJ

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.

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 2024-01-18 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: NJ

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 XXXX FTC and my Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: PA

Complaint narrative:
I am requesting a deletion of this account from XXXX XXXX, XXXX XXXX XXXX I have been disputing these fraudulent and inaccurate account. I also attached an FTC in my past dispute, Which I am also attaching in this dispute, I am also attaching my NOTARIZED identity theft affidavit so your company can not say you havent received it. This is my final time disputing this account, after this I will be heading down to civil court in my state of Pennsylvania to file a claim against your company. Im a demanding an investigation and deletion of this account. I recently got denied for a job because of this fraudulent account that I have made your company aware of. I have also most importantly kept All of my records of my past disputes with your company.

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 2024-01-18 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: NJ

Complaint narrative:
THESE INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: NJ

Complaint narrative:
THESE INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
SUBMITTED ADDITIONAL INFORMATION//////THIS IS NOT A DUPLICATE!!!!!! I have multiple times requested the XXXX. Inquiry be removed as this inquiry was unauthorized. There is a non compliance with trans union, violation of the FCRA. ( 15 U. S. C. 1681 et seq ). As well as section 604. Inquiring date XXXX Was removed from XXXX, but is still 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 explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
They didn't provide me with the original contract so I would you someone help remove these false informations out of credit report account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Garrison Investment Group
State: FL

Complaint narrative:
foundation finance company is reporting to XXXX XXXX that i have transact business with them at my address at which never happen and i need them to remove this information from my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
I was led to believe that I would receive loan forgiveness after 10 years of payments and 10years of XXXX XXXX. I worked in XXXX XXXX for more than 25 years before I retired at age XXXX. I received only 7 years of work credit. I'm now told I don't qualify for forgiveness because I have to be actively employed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
Resolution of customer issues through the standard phone support channel is hindered by the fact that the vast majority of their representatives operate from foreign countries. The phone connections to these representatives are consistently plagued by noise, jitter, dropouts and instability. This creates a significant barrier to effective communication. Sometimes the phone connections drop during the calls, which requires the customer to have to restart the entire process. 

Furthermore, the foreign-based representatives often struggle to comprehend US English, compounding the difficulty in resolving issues over the phone. Even after multiple attempts to seek assistance through phone calls, problems persist, compelling customers to escalate their grievances by submitting complaints to the CFPB. 

It should not be necessary for customers to have to routinely go through the lengthy and tedious process of ( 1 ) submitting a claim ; ( 2 ) calling customer support to have corrections made ( that are often still not actually made ) ; ( 3 ) submitting a complaint to the CFPB ; ( 4 ) have an Optum Bank rep in the USA respond to the CFPB complaint by requiring the customer to fill out a paper form that duplicates their online submission ; ( 5 ) submit the paper form and supporting documents by email, fax or regular mail.

Company response to consumer: Closed with explanation