vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was making a cash deposit of {$600.00} in {$100.00} bills on Saturday XX/XX/XXXX at the BMO atm at the XXXX, CA branch # XXXX. In the middle of transaction it said there was an error and was not accepting deposits. It then returned my card and I assumed my money as well but it never did. I figured it at least would credit my account but it didnt do that either. That is when I called customer service number and filed a claim. # XXXX. It was a Saturday and since it was closed I was told I was told I wouldnt hear anything back until Monday. I then figured it would be easier to just go into the branch on Monday when they opened. I did so and was told the branch itself doesnt monitor the atm that an outside third party does and it does so on wednesdays. Since Wednesday was a holiday, XXXX, they wouldnt service it until Thursday. No one can contact this third party XXXX, nor has anyone contacted me regarding this issue and why my deposit still hasnt been credited to my account. I was left with {$26.00} in my account over the XXXX week and still to this day on the XXXX. I dont understand why the third party XXXX who services the atms wouldnt realize that the atm was over {$600.00} when they were there on the Thursday the XXXX to service the atm and give it to the bank so they can credit it to the account. I have heard nothing from the bank on Friday once the third party serviced the atm. 
While I was filing a claim with the bank that Saturday, I was sitting in the car watching person after person using the atm making successful transaction except for the one gentleman who tried to make a cash deposit and it was declined. It tells me there was an issue with deposit side of the atm since one other person was able to make withdrawal. I also explained this to the bank and every person I spoke to on the phone since. No one is helping me find out the issue to be resolved. 
Can someone please help me get this resolved.

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 2024-12-28 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: IN

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE To whom it may concern Im writing to formally dispute the alleged debt referenced by your office and to notify you of violations within the fdcpa related to your collection activities. This notice also serves as a pre arbitration notice referencing the arbitration clause contained in the original agreement with the alleged original creditor. 
Experian the credit bureau has engaged in practices violating several provisions under the fdcpa Experian will not removed the said accounts upon me notifying them along with an ftc report sent to them by the consumer financial protection bureau Experian, XXXXXXXX XXXX XXXX has caused undo distress The inconsistencys violates the accuracy requirements of 15 usc sec 1681e ( b ) which obligates credit reporting agencies to maintain accurate XXXX up to date records In pursuant to 15 USC 1692.K It is $ XXXX violation in pursuant to the fdcpa failure to validate the debt you have not provided proper validation of the debt as required by the fdcpa in pursuant to 15USC 1692G false or misleading representation in pursuant to 15USC 1692E your actions have included false claims about the nature and the status of the alleged debt should this matter proceed to arbitration the cost wil be substantial based on the consumer arbitration fee schedule from XXXX the breakdown of the cost to your firm will incur includes but not limited to the filing fee which can be anywhere from XXXX to XXXXXXXX XXXX filing fee masss arbitrator can range from XXXX to XXXX per case case management fee XXXX for a single arbitrator or XXXX for XXXX arbitrators arbitrator compensation XXXX for a XXXX documentation only arbitration or XXXX in a persons hearing the hearing fee XXXX in addition to room rental fees if required these expenses combined with a potential additional legal fees will amount to tens of thousands of dollars far exceeding the alleged debt values furthermore if arbitration is initiated all cost as outlined by the XXXX website will fall upon your firm

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : Complaint Regarding Denial of Credit Report Access by XXXX and Equifax Dear CFPB, I am writing to formally file a complaint regarding the inability to obtain my credit report from both XXXX and Equifax, despite my repeated and legitimate attempts to access this critical information.

Background On several occasions, including XX/XX/2024, XX/XX/2024, and lastly XX/XX/2024, I attempted to request my free credit report as provided under the Fair Credit Reporting Act ( FCRA ). Unfortunately, both XXXX and Equifax denied my requests without providing a clear explanation or guidance on how to resolve the issue. 

Steps Taken I have taken the following actions in an effort to resolve this matter : XXXX. Verified all personal information provided ( name, Social Security number, current address, etc. ) was accurate. 


XXXX. Attempted to contact XXXX at ( XXXX ) XXXX and Equifax at ( XXXX ) XXXX to address the issue. 


XXXX. Attempted to provide proof of identity through [ online/mail/phone ] methods as requested by both bureaus. 


XXXX. Repeatedly submitted my request via [ online/mail/phone ] channels on XX/XX/2024, XX/XX/2024, and lastly XX/XX/2024. I also so tried going to XXXX and Equifax home page website and and both XXXX and Equifax denied me of my federal right to request and see my consumer report Despite these efforts, I have been denied access to my credit report without a valid explanation or resolution. 

Impact This denial has significantly impacted my ability to monitor my credit standing and take necessary actions to manage my financial health. As a consumer, I am entitled to one free credit report per year from each bureau, as well as additional reports under certain circumstances, as stated in the FCRA.

Requested Resolution I respectfully request that the CFPB investigate this matter and ensure that XXXX and Equifax provide me with access to my credit report. Additionally, I ask that the CFPB review the processes these bureaus use to handle consumer requests to ensure compliance with federal laws. 

Supporting Documents I have attached the following documents for your reference : XXXX. Copies of my correspondence with XXXX and Equifax. 


XXXX. Proof of identity government-issued social security card XXXX. Any additional evidence of my attempts to obtain my credit report. 



Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or XXXX if you require any additional information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Its XXXX accounts showing on XXXX XXXX and XXXX! I demand deletion today

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2024-12-28 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: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: LEXISNEXIS
State: MD

Complaint narrative:
On XX/XX/year> I received a letter from Lexis Nexis providing a link and pin to access my consumer file. The link/pin combination does not work and it says the pin is invalid. I tried different variations ( using O instead of XXXX in the web link, for example ), and also tried to access from XXXX different internet browsers. The link simply does not work. The Lexis Nexis website has several phone numbers to call for help, and the letter provided XXXX as well. While all of them offer a " live representative '' in reality none of them allow for a human and all of them end up directing you to input information to receive the letter that I already got, there is no way to seek help. I sent in a web form and only received a copy/paste form telling me to try to use a different browser to access my information. The closest I got to seeking help was a recorded human voice offering me a free XXXX XXXX button on their help line. I want a working link and access to my consumer file, which they are supposed to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
I paid a lot of money for credit repair and was never assisted or helped with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$830.00} Chargeoff - XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

XXXX XXXX XXXX XXXX ( XXXX ) has reviewed the complaint filed by XXXX XXXX. Based on the content of the complaint, XXXX is unable to locate record of communication from the consumer. XXXX is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act ( FCRA ). XXXX provides services to financial institutions and other businesses that have a permissible purpose under the FCRA. XXXX services primarily assist its clients in assessing the risk of opening new accounts. When providing this service, XXXX abides by the requirements of the FCRA and any applicable state statutes. XXXX neither approves nor declines accounts for its clients. Account opening decisions are determined by an institution and its individual policies. XXXX is not a collection agency and does not attempt to collect, negotiate or accept payment on behalf of its clients. XXXX clients, which consist mainly of financial institutions, regularly contribute information on closed checking and savings accounts, referred to as Reported Information. Reported information pertains to accounts reported for mishandling, closed for cause, and/or suspected fraud activity. XXXX current practice is to retain reported information on file for a period of XXXX years unless the source of the information requests its removal or XXXX becomes obligated to remove it under applicable law. The disputed items listed on the identity theft reports are not included in the consumer 's file at XXXX. If XXXX XXXX would like to obtain a current consumer disclosure report, a request may be submitted through the secure consumer portal at XXXX, by voice messaging at XXXX, or by mail to XXXX XXXX XXXX XXXX, Attn : Consumer Relations, XXXX XXXX XXXX, XXXX, MN XXXX. If XXXX XXXX disputes the accuracy or completeness of any information contained in their XXXX XXXX file, a dispute may be submitted through the secure consumer portal at XXXX, by mail to XXXX XXXX XXXX XXXX, Attn : Consumer Relations, XXXX XXXX XXXX, XXXX, MN XXXX, or by calling XXXX and selecting disputes or the caller may select other options to be transferred to a representative. 

The fraud accounts are as follow XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
My information was sold to the collection companies and I did not give any permission for it to be sold. The amount is {$2000.00} I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: IN

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE To whom it may concern Im writing to formally dispute the alleged debt referenced by your office and to notify you of violations within the fdcpa related to your collection activities. This notice also serves as a pre arbitration notice referencing the arbitration clause contained in the original agreement with the alleged original creditor. 
XXXX the credit bureau has engaged in practices violating several provisions under the fdcpa XXXX will not removed the said accounts upon me notifying them along with an ftc report sent to them by the consumer financial protection bureau XXXX, XXXX, & Equifax has caused undo distress The inconsistencys violates the accuracy requirements of 15 usc sec 1681e ( b ) which obligates credit reporting agencies to maintain accurate & up to date records In pursuant to 15 USC 1692.K It is XXXX XXXXXXXX violation in pursuant to the fdcpa failure to validate the debt you have not provided proper validation of the debt as required by the fdcpa in pursuant to 15USC 1692G false or misleading representation in pursuant to 15USC 1692E your actions have included false claims about the nature and the status of the alleged debt should this matter proceed to arbitration the cost wil be substantial based on the consumer arbitration fee schedule from XXXX the breakdown of the cost to your firm will incur includes but not limited to the filing fee which can be anywhere from XXXX to XXXX XXXX filing fee masss arbitrator can range from XXXX to XXXX per case case management fee XXXX for a single arbitrator or XXXX for 3 arbitrators arbitrator compensation XXXX for a desk/ documentation only arbitration or XXXX in a persons hearing the hearing fee XXXX in addition to room rental fees if required these expenses combined with a potential additional legal fees will amount to tens of thousands of dollars far exceeding the alleged debt values furthermore if arbitration is initiated all cost as outlined by the XXXX website will fall upon your firm

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: IN

Complaint narrative:
XXXX XXXX XXXX account does not belong to me and needs to be removed immediately because it's fraudulent and 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 non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX contact TransUnion XXXX XXXX  and informed them all my loans from XXXX XXXX and Dept. of Education was discharged and should be removed off my credit report TransUnion removed partial they only removed my XXXX XXXX closed accounts and never removed my Dept. of Ed. Closed accounts and I also tried to dispute direct with TransUnion and they refused to remove them even though they was notified from Dept. of Education & XXXX also XXXX credit bureaus still have XXXX XXXX and Dept. of Education listed on my credit report as well all theee bureaus was notified by Department of education in XX/XX/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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX contact XXXX XX/XX/year>2024 and informed them all my loans from XXXX XXXX and Dept. of Education was discharged and should be removed off my credit report XXXX removed partial they only removed my XXXX XXXX closed accounts and never removed my Dept. of Ed. Closed accounts and I also tried to dispute direct with XXXX and they refused to remove them even though they was notified from Dept. of Education & XXXX also XXXX credit bureaus still have XXXX XXXX and Dept. of Education listed on my credit report as well all theee bureaus was notified by Department of education in XX/XX/year> 2024

Company response to consumer: Closed with explanation