vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The response from Equifax, LLC is not acceptable to me. Equifax has claimed that they, " completed its investigation, including contacting the furnisher of the information, where applicable. ". That very well may be the case, however, I demand that Equifax, LLC provides me with the 'Method of Verification ' and verification of whom they contacted, evidence of the investigation under the Fair Credit Reporting Act ( FCRA ). I will continue to file CFPB complaints and new ones with the FTC and the State Attorney General 's Office in their state. It should be noted that this particular investigation started on XX/XX/XXXX, and is evident that the CRAs have no sense of urgency with the repetitive and unnecessary delays in correcting inaccuracies in consumers ' credit files. CFPB is equally pathetic and serves no purpose to the consumer except to help massage the creditors and furnishers giving them more than sufficient time to complete a " thorough investigation '' The accounts that DO NOT belong to me are the below XXXX XXXX XXXX  aka Self ( CLOSED ) date Opened XX/XX/XXXX, Charge off for {$120.00} TOTAL VISA/TBOM ( CLOSED ) date Opened XX/XX/XXXX, Charge off for XXXX Bal? 
XXXX XXXX XXXX ( CLOSED ) Charge off {$9900.00}, NOT MINE! 
XXXX XXXX ( CLOSED ) XXXX Available Credit {$0.00} NOT MINE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding an unresolved issue with Remitly concerning a transfer of XXXX that I initiated from XXXX on XX/XX/year>. The transfer was made via instant payment, and my bank confirmed that the funds were debited on the same day. According to XXXX, the expected delivery date for the funds to reach my destination in XXXX was XX/XX/year>. 

After noticing that the transaction was not completed by the promised date, I contacted Remitly several times. The initial transaction reference number was XXXX. During one of these calls, a XXXX representative provided me with incorrect and misleading information, claiming that sharing a six-digit code sent via SMS would expedite the transfer. Trusting that the SMS was from XXXX, I provided the code as instructed. 

Immediately after sharing the code, I noticed that the transaction reference was changed to XXXX, and the expected delivery date was postponed to XX/XX/year>. As of today, I have not received the funds, despite repeated inquiries and follow-ups with XXXX. I have been given inconsistent and conflicting information during every call Ive made to resolve this issue. 

I would like to emphasize that I have retained all relevant evidence, including call recordings and written communications with XXXX support team. I also have the bank 's debit notice and my monthly statement, confirming the initial payment. 

I respectfully request the XXXX 's assistance in investigating this matter, as I believe I have been misled and that Remitly has not taken appropriate action to resolve this issue. If necessary, I am prepared to pursue legal action to recover my funds. 

I have attached the relevant documents, including the debit notice, bank statements, and call recordings, for your review. 

Thank you for your attention to this matter. I look forward to your response and any assistance you can provide in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: BMO BANK NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I XXXX XXXX received a credit from BMO bank XX/XX/year>. The credit was for the fraud I reported on my account, prior to that I did not have any knowledge. I am perplexed by my balance being negative of {$800.00} at one time my account was XXXX and then went to {$650.00} then they proceeded to put more money in my account without my knowledge. I have called the bank rep she told me that my account shows negative {$840.00} because the bank teller made a MISTAKE!! 

I feel used, abused taken advantage of and mistreated ; because there was fraud committed on my account I had to go inside of a local branch to obtain a new bank card. I am now in a position to where the bank is telling me I owe {$840.00} plus taxes and fees will be charged off I will end up oweing an exstensive amout of money that I never agreed to in the first place and because BMO HARRIS made a mistake in regards to my account. 

Of all things to add to this nightmare the day of XX/XX/year> my account was charged XXXX from payless rent a car. A BMO bank representative gave my account information to a payless rent a car reprasentative with out my knowledge or with out my permission. This has now compromised my bank account even further then before. 

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I opened up this bank accout in hopes to pay my bills and succeed, but now it looks like I will be in debt with a XXXX dollar company that seems to prey on its consumers that try to utilize BMO bank to better their situation.

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 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors- [ ] I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through 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 non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Credit Card added {$120.00} transaction from XXXX. 
I called XXXX on XX/XX/XXXX and talked to XXXX, a supervisor, who agreed he could find no transaction for this. 
I forwarded this information to XXXX XXXX and have yet to get this resolved. 
Today, XX/XX/XXXX, I was on the phone for more than XXXX minutes trying to discover the status of the disputed charge. I got no answer after talking to XXXX people and was disconnected. 

The transaction originally appeared on a XXXX card ending in XXXX. I talked with XXXX at XXXX XXXX XXXX on XX/XX/XXXX and it was removed, and the account was closed. 

I opened the current card XXXX weeks later and the transaction reappeared. Again, I have a regular membership to XXXX that is paid and would have no need for an additional {$120.00} membership. 

I am attaching documents showing there was no transaction on XX/XX/XXXX and that I have a paid

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 2024-10-07 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: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TD BANK US HOLDING COMPANY
State: AR

Complaint narrative:
Vehicle was at shop for repair. T D Auto transported the vehicle to a repo location, no late payment. I did not volunteer to turn in the vehicle. There were no notice from the repair shop or T D Auto Finance.

T D offered to return the vehicle but refused to send a letter of release. I paid 6 payments without possession of my vehicle. The vehicle was sold when I insisted that I should not be responsible for transporting it back XXXX miles due yo the finance company 's mistake. 
The payment was current when picked up Current, when sold without notice. 
I was not given the opportunity to payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
On XX/XX/year>, I made a purchase through the XXXX platform for {$64.00}. On the expected delivery date, no package was delivered, but a discussion with the local postmaster indicated that the purchase was part of a false tracking number scam as a package with the tracking number I was given had been delivered to an address in my post code that day ( XX/XX/scrub>XXXX  ). 

On discovering this, I started a dispute with Goldman Sachs and provided them with the order confirmation and demonstrated that shortly after the order had been placed, the seller had removed their storefront from the selling platform. 

On XX/XX/year> I was notified that the charge would remain on my account, saying that they believe that the merchandise was delivered despite that being false. It is my expectation that the investigators at Goldman Sachs simply saw the tracking number and its associated delivered status without looking into which address it was delivered to. 
I reopened the dispute and submitted additional evidence but was denied again on XX/XX/scrub>XXXX 

I challenged the dispute another time and found the tracking number, and added a receipt for the purchase of a replacement product that I subsequently made through XXXX. 


Finally, on XX/XX/year> the dispute was denied a final time. By contrast, a similar purchase was made through a different credit card on the same platform that was similarly fraudulent but was resolved swiftly in my favor by that credit card company. 

The tracking number associated with this case is : XXXX The store associated with this case is XXXX, found at XXXX  ( Note that the storefront has been taken down )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, account XXXX, I paid this debt with XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, after this debt was paid, XXXX XXXX XXXX continues to sell this to other debt collectors. They gave this to XXXX  I disputed this debt with them and now I am receiving letters from I.C Systems. I have contacted XXXX XXXX XXXX  and they advise that they no longer have my account. I am requesting guidance how to avoid this ongoing issue as it has been resolved. Attached is my payment made to XXXX XXXX which also list the last for of the account number.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please investigate my disputes mailed out to the credit bureaus several months ago and still as of today, I have not received any correspondence from them or anyone else with regards to my dispute requests. I am not understanding why they never ever respond. All they send is that one " stall letter '' every single time. Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 


The accounts that I want disputed are attached and I will wait for my results.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please investigate my disputes mailed out to the credit bureaus several months ago and still as of today, I have not received any correspondence from them or anyone else with regards to my dispute requests. I am not understanding why they never ever respond. All they send is that one " stall letter '' every single time. Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 


The accounts that I want disputed are attached and I will wait for my results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I DO NOT RECOGNIZE THIS ADDRESS BELOW PLEASE REMOVE IMMEDIATELY THANK YOU. 

Remove this address from my consumer report : XXXXXXXX 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 explanation