vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: VA

Complaint narrative:
On XXXX XXXX I received my credit report from you. It included the following incorrect information : XXXX XXXX XXXX XXXX 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. 

Delete account immediately, unless you want to be held {$1000.00} per violation A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I reviewed my credit report and found fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NC, XXXX XXXX XXXX XX/XX/XXXX To whom it may concern : Subject : Demand for Compliance with the Fair Credit Reporting Act ( FCRA ) I am writing to formally address a matter regarding my EQUIFAX credit file and the inquiries that have been made by your organization as listed above : 1. **Inquiry Details - e.g It has come to my attention that these inquiries may not have adhered to the provisions set forth under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( n ), 1681 ( b ), 1681 ( o ), and 1681s-2. As you are aware, these sections outline the responsibilities of consumer reporting agencies and the obligations of entities that request consumer reports.

Under 15 U.S.C. 1681 ( n ), I have the right to seek damages for willful noncompliance with the FCRA. Additionally, 15 U.S.C. 1681 ( b ) requires that consumer reporting agencies ensure the accuracy and integrity of the information they report. Furthermore, 15 U.S.C. 1681 ( o ) provides for damages in cases of negligent noncompliance.

I request that you provide the following information : 1. The purpose of each inquiry made on my credit report.

2. The specific consent or authorization you obtained prior to making these inquiries.

3. Any documentation related to your compliance with the FCRA regarding my credit file.

Please respond to this letter within 15 days from the date of receipt, as required by the FCRA. Failure to comply with this request may result in further action to protect my rights under federal law. 

Thank you for your immediate attention to this matter. 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 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 XXXXXX/XX/XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: FL

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I checked my consumer report and noticed items to be inaccurate on my report.

15 U.S. Code 1681e - Compliance procedure ( b ) ACCURACY OF REPORT 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.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Taken directly from out of the IRS 2021 publication. 

The IRS clearly defined a charge off as gross or ordinary income.

INCOME DOES NOT GET REPORTED ON THE COMSUMER REPORT.

Which in fact makes your reporting of this account inaccurate.

By, definition the IRS Cleary says a cancelled or charge off is income. Reporting this account as a debt is inaccurate. 
Which in fact your reporting of this account inaccurate! 
The IRS clearly says a cancelled debt or charge off is income. 
The reporting of this account as a debt is inaccurate. 
The above paragraph was taken directly from out of the IRS 2021 publication. 
Delete this inaccuracy from my consumer report 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 2024-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
I transferred {$5400.00} to XXXX on XX/XX/2024. The transaction was cancelled by Moneygram and they informed me they would refund the money plus the transfer fee of XXXX. Unfortunately they have not refunded. I have been calling them for the past 5 months and every time, they tell me something different. 
On XX/XX/XXXX Moneygram e mailed me saying We wanted to let you know that we have receive your complaint regarding your refund for your reference # XXXX. Can you please share with us your bank details, so we can issue the refund via wire. 
Please mention your case number XXXX in all future correspondence with us. 
I sent them my bank details but nothing happened. I kept calling to no success. Then on XX/XX/XXXX they emailed me saying We would like to inform you that we have completed our investigation regarding your comments. Our records show that your transaction has been refunded back to you. In order to meet our compliance requirements, MoneyGram actively reviews transactions and, from time to time, may put restrictions in place. 
I have asked them to show me where the refund was sent to if ever but they will not comply or reply. My bank has no record of any refund. Its been ongoing for about 5 months now and I need my money back. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened an Account the Beginning of XXXX to deposit my tax refund check. I thought I wasnt going to be able to ipen an account on having a prior account years ago that I mightve owed maybe XXXX dollars. They did not see any record of that, I deposited my check and the funds were cleared the next day. A couple days later I try to check my balance and my mobile app stated I wasnt able to login in due to some fraud. I called and spoke to a rep who then stated that my account was pending closure XX/XX/year>2024 and the rest of the funda would be mailed to me. It has been well over a week and I called to see if I could get a date when the check was mailed out. A rep then told me they are holding the funds because they want a paystub from the XXXX XXXX XXXX which I never receieved when I deposited the check in the first place. ANOTHER rep then said theg wouldnt except my tax transcript from this year and they needed to speak with someone DIRECTLY from the XXXX XXXX XXXX which is impossible. I just wanted the rest of my money from my account. That was a LEGIT TAX REFUND CHECK that I had already had to verify my identity XXXX  just to have it mailes and not deposited. I ould like this resolved asap. I have bills I have to pay and chase bank is making it hard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This account XXXX Account number XXXX is not showing on my Experian and XXXX credit reports due to a reporting error made on the creditor or credit bureau side this account had fell off those 2 bureaus and it should be reporting on them as " Closed and Paid and Full ''

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 2024-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I verbalized the dispute over the phone on the XXXX of XX/XX/XXXX and sent notice of the dispute to Genesis, XXXX, as well as the district on XXXX, XX/XX/XXXX. 

Regardless of the dispute, Genesis ( 2 months later without acknowledging the dispute ), still reported negative information on my credit report in an attempt to still try to collect. Genesis also failed to tell/notify any of the credit reporting companies who they reported my debt to, that I disputed the debt. 

I requested proof/receipt as well as an itemized list of discrepancies. 

My son moved out of the apartment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A moveout inspection was submitted the XXXX of XXXX no acknowledgement, but noted on the final statement. On XX/XX/XXXX ( a year later and after residents had already leased and moved out of the residence ) we received an inaccurate/false statement of damages sent by the apartment complex. False statement, because there were no receipts and the statement had pictures of my son and his roommates pointing to damages when they moved in. 

I contacted the apartment that day to point out the issues because it was mentioned that it may have been a mistake and the bill/statement was meant for the tenants who moved in afterwards ( which still made no sense ), as this was over the 60 day time frame Arizona law requires.

The damages from the pictures attached to the statement, were left from the previous tenant and the complex was never professionally cleaned. We have receipts from the XXXX XXXX of all the cleaning supplies we had to purchase. 

There were multiple rooms, but not my son 's room. Also, every roommate recieved the same charges to the same room, despite renting different rooms. 

I requested ( 3 different times ) an itemized receipt for the damages noted.

1. the conditions were pre-existing to our tenancy.

2. The claims are untrue or invalid, for a variety of applicable reasons.

3. The charges, although based on actual damages, are excessive, 4. The claims are unclear because they are vague, not itemized.

5. The damages reflect normal wear and tear.

To make matters worse, Genesis sent a misrepresented and false statement/validation note last week ( outside of the 5 days after first contact ). The statement received in the mail last week, excludes the " comments '' which depicts pictures of XXXX XXXX pointing to discrepancies when he moved into the apartment, showing direct proof that Genesis knowingly and maliciously altered the statement to make it seem as if these fabricated charges were true. As a debt collector Genesis knowingly used false, deceptive, and misleading representation or means to collect or attempt to collect a debt by falsifying the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: FL

Complaint narrative:
I am sending my identity theft report for fraudulent accounts still being reported on my credit. I have already notified Transunion that these are from 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 2024-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
Bank of America ( BOA ) is reporting non payment on my mortgage loan. I had a significant decrease in my credit score and learned that BOA is reporting Late and Non payment. After speaking with the following departments at BOA : customer service, tax, loss & prevention, escrow and escalation, it was identified that BOA created an escrow account for my loan and was making tax payments to the municipality through a third party called XXXX XXXX. 

My loan originated with Countrywide Mortgage in XXXX prior to BOA purchasing that portfolio. 

My bank records show that BOA has withdrawn my mortgage payments plus additional funds for extra principal payments, each month and on time, through ACH transfers. I requested that BOA immediately delete their escrow account since I hold escrow in another account at a separate institution. I asked for a transcript of our call and was denied. I requested a case number for this issue to be escalated and was told to call back on Tuesday, XX/XX/XXXX. 
I have submitted the following documentation to support my claim of predatory banking practices. : 1. Receipt of tax payment 2. Tax card 3. Bank statements showing monthly mortgage payments.

4. Bank statements showing personal escrow account.

5. Mortgage note was signed with Countrywide prior to BOA purchasing that portfolio.

6. Phone log with date and time stamp to BOA.

I requested immediate correction of my mortgage note showing on time payments and immediate correction of my XXXX score with ALL reporting bureaus. I was told that BOA will not delete an escrow account that they have created

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 monetary relief
Consumer complaint received 2024-08-26 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: VA

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 2024-08-26 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: NC

Complaint narrative:
I sent a request to validate or remove the listed accounts back on XX/XX/year> and no one has responded to me. I have reached out to them several times, but no one has responded to me. I am attaching the letter I sent them back on XX/XX/year>. I am requesting the listed accounts be removed from credit report immediately. 


XXXX. XXXX XXXXXXXX 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 2024-08-26 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: NC

Complaint narrative:
I sent a request to validate or remove the listed accounts back on XX/XX/year> and no one has responded to me. I have reached out to them several times, but no one has responded to me. I am attaching the letter I sent them back on XX/XX/year>. I am requesting the listed accounts be removed from credit report immediately. 


XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-08-26 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: MD

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :

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 2024-08-26 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: MD

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :

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 2024-08-26 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: IL

Complaint narrative:
I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.

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