vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO bank made a derogatory report to credit bureaus. 

1. After making an online payment for a BMO credit card on XX/XX/XXXX, I received a confirmation number. 
2. On XX/XX/XXXX I made another scheduled payment and received a confirmation number. 
3. On XX/XX/XXXX I received a letter from BMO that was written on XXXX of XXXX, stating my account is late and payment is due in 2 days! 
4. Calling BMO customer service/collection department, I was advised the XXXX payment was not received. 

XXXX representative also said that " ..she can see payment attempt was made with XXXX XXXX. but due to the fact they were changing from Bank of The West to BMO, there were a technical issues on their end and the payment did not get properly credited to the account '' She said that if I make the payment again, while on the call, the account will be all sorted out. 
Asking about derogatory report to credit bureaus, she replied there are none. 

5. Though the error is clearly BMO 's, they took liberty on XXXX of XXXX, having been paid twice yet only processed one payment for XXXX, to file a derogatory report on XX/XX/XXXX. 

In 33 years of having credit history in the USA, I have not had a single late payment. 

Summary : XX/XX/XXXX BMO issued confirmation of payment # XXXX [ this is they were having technical problems processing due to change from Bank of The West ] XX/XX/XXXX BMO issued confirmation of payment # XXXX XX/XX/XXXX BMO issued confirmation of payment # XXXX [ replacement for XXXX XXXX, made with customer service ] BMO should issue an immediate retraction of derogatory report to all bureaus and send me a copy of the action taken. 

Thank 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 monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
South West Credit syste Original creditor XXXX XXXX XXXXXXXX : {$360.00} Account XXXX XXXX XXXXXXXX Date open : XX/XX/ I wrote a letter to my credit companies XXXX, XXXX, and XXXX to dispute the false debts. No response was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX contacted me with an adverse alert on my credit report. I receive free daily checks due to XXXX breach of my email address & social security number. A debt collection in the amount of {$260.00} from Sunrise Credit services was posted on my credit report at all three credit agencies. I phoned XXXX who advised me to phone Sunrise. On XX/XX/XXXX I phoned Sunrise, spoke to " XXXX '' and asked what specifically the collection was for? I was told it was from XXXX XXXX XXXX mobile. I told them I have NO ACCOUNT with XXXX XXXX XXXX  and do not live in Kentucky, the fraudulent address Sunrise added to my credit history. I was told I had to dispute it in writing and so I requested the forms. I was told they would be mailed to me within 5-7 days. It is now XX/XX/XXXX ; I have nothing from Sunrise. I filed a dispute with XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX removed the false debt collection & false address from my credit history. XXXX has not. So I have filed an Identity Theft Report with the Federal Trade Commission FTC Report # XXXX on XX/XX/XXXX disputing the Sunrise Credit services collection for XXXX XXXX XXXX XXXX fraudulent charges placed on my credit history report. I am XXXX XXXX XXXX, and have NEVER HAD A LATE PAYMENT, and no collections. All my bills are on autopayment, to prevent any late payments. I receive daily phone calls pestering me to obtain credit cards, even though I have placed a identity theft permanent freeze on my credit report history. I believe all this to be directly responsible to Sunrise Credit services fraudulent posting on my credit history. Why was I not contacted by XXXX XXXX XXXX XXXX  with a bill for the fraudulent account so this could have been discovered long ago? Why did Sunrise Credit Services not contact me regarding a collection notice before this ended up on my credit report. I receive daily emails from the three credit bureau agencies, regarding this, which I find stressful. I did nothing wrong, yet I am being harassed, lectured about paying for bills and services I contracted with ( with I did not! ), and told they do not believe the FTC identity theft report I filed was accurate, because I did not send them a copy of my drivers license and bank account information. This is very frustrating. If it doesn't get solved soon, I will need to hire an attorney to sue Sunrise Credit services and XXXX for the stress caused me.

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 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
My student loan servicer is Mohela. I made payments through the covid forebearance and requested a refund of those payments on XX/XX/23. I have received no communication from them. I sent them a message after initial request to make sure they were going to refund all payments- as I had paid some loans of and the loans were no longer listed with Mohela . I still have not received refund or heard anything from them in XXXX months. I submitted message complaint with Mohela 1-2 weeks ago and still have not heard back about status of my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
XX/XX/2021 precisely, I got alert from American Express credit card that I made purchased of American Express gift card of about {$34000.00}. Immediately, I called American Express to cancel the transaction that I wasn't the one making that transaction of huge amount. Thereafter, they credited part of the money and balanced {$14000.00}. I have called them several time to credit the balanced, but they are adamant to do so. The said amount is hurting my credit. Please, I want this amount credited to my card and remove from my credit report. 
I am looking forward to hearing from you soonest. 

Sincerely XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: January Technologies, Inc
State: NV

Complaint narrative:
In XXXX XXXX XXXX, I entered into a debt settlement arrangement for multiple debts via XXXX XXXX. Majority of my accounts are now settled and have been paid in full. Two accounts remain that I am paying via a direct debit from my account every two weeks, which is added to an account with XXXX, and from XXXX, they send payments to the two creditors that I have settlement agreements with. 

Both of these companies are reporting to my credit as being in collection and delinquent. However, they have been in a settlement and repayment status for over a year. Most recently, the larger of the two appeared on my credit report and caused an alert to come up at my job. I have tried disputing the information via my credit report, and I have also sent letters to the companies requesting that they cease reporting this information as it is inaccurate. It is quite frustrating to be doing everything I am supposed to be doing, holding up my end and making my payments to make these things right, only to be harmed and put under question in my career due to false information being reported. How can these companies claim I am not up to date, when I have a company submitting payments to them regularly? Even when I uploaded the proof that they are in active settlements to XXXX, the results remained the same. What is the point of me having been in this program for three years now, getting charged all this money every month, to be treated as if I have simply ignored the debts and be punished as if I blew them off when that is the farthest thing from the truth? I sincerely hope you can help me get this resolved. I am more than willing to escalate my complaints to the state Attorney General 's office as well if that can help me. I have attached a copy of my XXXX XXXX XXXX  summary which I have highlighted the two accounts in question, one with XXXX XXXX XXXX, the other with January Technologies, which shows the original balances, the settlement agreements with fees and what I currently owe as of a week ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: TX

Complaint narrative:
XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX GA XXXX Re : File Number : To Whom It May Concern, Consider this letter a formal instruction and unequivocal authorization to immediately remove and delete the inquiry made by XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from both the consumer report and file associated with the SSN and File Number referenced above. I expect full compliance with this demand, as it is well within my rights under 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( o ) ( 2 ) ( D ).

Failure to comply with this directive within 5 business days from the date of receipt of this notice will be viewed as a deliberate violation of my rights, and I will not hesitate to pursue all legal avenues available to rectify the situation and seek appropriate remedies.

To emphasize the urgency of this matter, I demand your immediate attention and action. Remove the aforementioned inquiry without delay and ensure its complete eradication from all pertinent records.

Attached for your reference and verification are the following supporting documents : 1. FTC IDENTITY THEFT REPORT I expect a written confirmation of the inquiry 's removal within a reasonable timeframe, affirming that my consumer report and associated file have been thoroughly purged of this derogatory information.

Take this demand seriously, as any further delay or noncompliance will be met with swift and decisive action. 
Regards, 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
Consumer complaint received 2023-11-01 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: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
I found out that I had something reporting on ChexSystems when I tried to open a new Checking Account. I filed disputes with ChexSystems and XXXX. I reached out to ChexSystems on XX/XX/2023 and XX/XX/2023. They have kept it on there and have not sent me any documents.

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 2023-11-01 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: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
I have been away from home and came back On XXXX and discovered several unauthorized transactions posted to my debit card, with no goods or services attached and no way to contact the companies in question that billed me. I had left my phone at home as there was no way to use it where I was going and left most of my cards as well. I contacted chase to file a fraudulent transaction report and the result is attached. Upon contacting them and asking why my claim was denied they said the activity was consistent with past activity but they wouldn't supply any specific information on the matter as to what that actually meant. I have been doing some research on these companies billing me and identified that they are used for internet gaming and gambling, casino payment processors. I believe one scenario that may have occured is that one of my minor children or family members who were visiting got ahold of my phone and debit card and made the charges ( no one will fess up ). Or someone accessed my digital wallet and was able to make the charges. At any rate I am out nearly XXXX dollars and Chase refuses to look into it due to " past activity ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I received a copy of my credit history report from ( XXXX ). That Report contained incorrect information reported, someone stole my credit card use identify theft, call FEB Destiny remove charge, or verify.This negative mark is damaging to my credit. Please contract XXXX, XXXX and XXXX XXXX XXXX immediately to remove this information from my credit file.The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 
I will assume that I have not received your reply because you have been unable to verify.The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 
I will assume that I have not received your reply because you have been unable to verify or remove debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To whom it may concern, I have contacted the credit reporting agencies and them know the inquires that are listed on my report in the document i have included below are not suppose to be listed on my consumer report. I am highly concerned and frustrated that it is listed. I have not gave anyone permission or consent to report them.

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 2023-11-01 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: MA

Complaint narrative:
Reported XXXX inquiries not made by me 2 capital one XXXX XXXX They are not tied to any cards of mine I tried to dispute on all three bureaus Also was part of a breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: TX

Complaint narrative:
You're breaching on my rights! In this document, I've enumerated my issues with your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company 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 2023-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: CA

Complaint narrative:
TEK Collect is trying to collect for XXXX XXXX XXXX XXXX a past due amount of {$1200.00} that was opened fraudulently using my SSN. I do not live in that county nor did I open that account. I have filed a police report in 2021 for the same individual and have taken precautions in freezing my credit and adding a fraud alert to my SSN. Not sure how this individual was able to open this account and when I disputed it with XXXX my claim was denied. 

Contact number for TEK Collect phone : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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:
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 non-monetary relief
Consumer complaint received 2023-11-01 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation