vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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: TN

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 602A. States I have the right to privacy. 

15 U.S.C.1681 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681c. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items on information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

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 2024-02-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-14 00:00:00
Product: Debt collection — Payday loan 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: KS

Complaint narrative:
BMO Bank is trying to say that we owe a debt to BMO and we have never heard of them. They have referenced an account that was closed with Bank of the West and I have asked them how they obtained our information? Again they reference Bank of the West. 
BMO has reported damaging false information to the credit bureaus, which has caused us humiliation, time and money. BMO has to date not provided any documents signed by us giving consent to use our personal information or to share that information with anyone. Unless they provide signed consent and contracts, which they have not done, they need to cease and desist! BMO left a letter on the front porch, at our place of domicile, this was found by our son as we were out of town. This personal information could have been found by anyone, exposing us to further fraud, time, money and humiliation. So, I sent a Notice of dispute. 
BMO had to provide debt validation when we sent a Notice of Dispute letter certified mail to the XXXX XXXX XXXX XXXX XXXXBMO Bank at XXXX XXXX XXXX XXXX, Wisconsin on XX/XX/year>. BMO did not contact me, they just reported negative information on my report. Our letter included a Stamp on the back of the Notice at the bottom, so if they say it was not received then we will include the XXXX claim and postal fraud. I called BMO Bank on XX/XX/year> and they could not find that account number anywhere in their system and I was told by their agent to file an identity theft report, so I did with XXXX on XX/XX/year>.

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 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/XXXX : requested balance transfer of {$3000.00} from Discover to XXXX XXXX. 

To this day, the balance has been on my Discover card has not been removed despite the balance transferring to XXXX XXXX. XXXX XXXX has confirmed multiple times that the money was sent to discover to the correct card number. Discover still has no record of the balance transfer. I have opened multiple cases with XXXX XXXX but now I believe it is Discover that is at fault. Discover cant locate the money sent to them and Im paying interest on BOTH credit cards. 

Email from XXXX XXXX XX/XX/XXXX : Our research was able to confirm the information provided to you was correct and the balance transfer was completed on XX/XX/XXXX, for {$3000.00} with the trace number XXXX, confirmation number XXXX. This Balance Transfer was completed by us, we are unable to act for the receiving financial institution. Please contact Discover if you have any additional questions or concerns with the receipt of the Balance Transfer and any interest assessed to your Discover account. 


XX/XX/XXXX : I spoke with a representative from XXXX XXXX today. They confirmed yet again that the money was wire transferred to Discover on XX/XX/XXXX, processed on XX/XX/XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX act

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 2024-02-14 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX  act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I recently reviewed my credit report and noticed inaccurate information still reporting on my credit report. I sent several letters to the credit bureau regarding the inaccurate information. They have yet to delete the items from my credit report. 
They are reporting open account but the account is closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: CA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX  XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number : XXXX XXXX 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 2024-02-14 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: CA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX  XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XX/XX/XXXXXXXX - Account Number:XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
Mortgage was transferred from XXXX Mortgage dba XXXX XXXX to Select Portfolio Servicing, XXXX ( SPS ) on XX/XX/XXXX. I contacted SPS on XX/XX/XXXX to alert them the escrow was incorrect and the hazard insurance was not on there. SPS requested I send them a letter stating I wanted the escrow to include the annual hazard insurance and the taxes, as XXXX XXXX had been taking out. So, I complied to their request. They received the letter and responded on XXXX XXXX XXXXXX/XX/XXXX, well past XXXX days, apologizing for their mistake and they would rectify it. My homeowners insurance is due to expire on XX/XX/XXXX at midnight. I have called several times, I have a log of date/time/person spoke to, from XX/XX/XXXX to today XX/XX/XXXX. I still don't have any idea if they are going to pay the mortgage insurance. I can not get a resolution. I called again today, spent over an hour and fifteen minutes, spoke to five different people, asked if this could be escalated since it is time sensitive, spoke to a supervisor who said she is going to send an email to someone in the escrow department, which does not accept calls from mortgagee 's. All I get from this mortgage company is " they are working on it '' but, no resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful noncompliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Before I got detained on XXXX XXXX XXXX and held without bail at the XXXX XXXX detention center I was paying transUnion around {$30.00} a month for a lot of services which included identities that I contacted the creditors in early XXXX XXXX  and reported to the credit card companies that my wallet and tablet has came up missing and somebody was using my credit cards and debit cards while I was in incarcerated I have plenty of documentation and have submitted this over and over again I submitted this to the creditors. I disputed repeatedly on XXXX and I disputed and XXXX dispute where XXXX XXXX  had to remove their false information off of my credit report from where I was a victim of identity test and Im assuming because I proved I was in the XXXX XXXX detention center when charges were ran up and I was being charged with it being I paid for a service from TransUnion. XXXX getting ready to cancel my service because I get locked out and cant even see my credit report or dispute anything and the ones I have disputed about XXXX months ago, I never got any type of reply back not in the mail or anything, and every time I try to log into my TransUnion account it locks me out for security purposes, either way, TransUnion does not live up to what they charge if you cover identity theft, and unauthorized use of someones credit, but still report the false information on your credit report, then that slandering my credit and stopping me from being able to buy vehicle or rent an apartment a lot of things I already contacted the XXXX and the financial Maryland attorney general and if the issue is not resolved I will be following a lawsuit today since Ive been home I started to pay TransUnion another {$30.00} a month to monitor and for identity theft just in case it was to happen again and continue to be locked out of my account so Im asking for a refund and what TransUnion to honor the refund because they definitely didnt honor protecting my identity which they were paid up at the time I got detained in XX/XX/2022 and even got paid for XXXX while I was in the XXXX XXXX detention center 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 2024-02-14 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: CA

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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
The following accounts listed above and in this paragraph : In accordance with Fair Credit Reporting Act, Original creditor : All. Accounts with different balances. # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed.

Please let it be known the other credit bureaus have removed these items due to inaccuracies and failure to provide evidence.

All late payments are illegal. 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed.

Please be advised I have filed a complaint with the CFPB regarding these inaccuracies complaint # 1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.

Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 

Attatched below is a copy of my credit letter and all the accounts that are reporting inaccurate a i demand these accounts be updated as XXXX Paid as agreed or inaccuracies deleted,.

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