vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting this CFPB complaint to you to follow up the previous CFPB Complaint I submitted requesting the immediate deletion of the fraudulent accounts and information you report on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I sent a dispute letter on XX/XX/XXXX, with complete attachments of my personal identifying documents as well as the ID THEFT Report I received from the FTC. Please remove the following items off from my Credit File as soon as possible : XXXXXXXX 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 Please comply with the Federal law and investigate the disputed items and remove them as soon as possible. If you found no legal basis to continue reporting the disputed items, immediately deleted these items from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My XXXX year old father banks with BMO Harris. I recently became the activated power of attorney for his finances. I need to manage his accounts in order to pay bills related to his home while he is in a XXXX XXXX XXXX I live XXXX miles away from his local bank branch. 

His personal branch banker was very helpful in getting me added to his accounts as a signer and POA. She was responsive, friendly, and set me up with an online banking profile to manage his affairs. 

Since then, BMO 's online banking team has made it impossible to manage his affairs. First, his accounts were not added to his profile. Then, the platform would not permit multi-factor authentication even though my correct contact information was on file. Then, the platform removed my telephone number from the profile without my consent and locked me from the account. THEN, I spent hours over the course of an entire week unable to contact a customer service representative to unlock the account. The " contact us '' options on the BMO website all route to the telephone number that has gone unanswered. 

I am prepared to move all his assets away from BMO Harris after this experience, because I do not trust their ability to let me manage it- but because I can't get in or reach a representative, it feels like the bank is holding his assets hostage.

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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank closed my account without my permission after a rude employee did it due to me saying I would report her in XXXX spring. I have made payments until XX/XX/XXXX of XXXX when I selected to pay the balance in full on the closed account. I was under the impression that due to the account already being closed and I paid in full there was nothing else to be done. Almost 3 months later in XX/XX/XXXX I receive a call saying I owe. I thought it was spam until I asked how much they stated I owed {$32.00} I asked for what and they said the account was still open and I owed {$2.00} from interest that has now turned to {$32.00} after a 30 late fee on a supposed closed account thats been reporting as closed prior to this. The rep offered {$10.00} off and I asked for manager. I was never notified about this due to them closing my account. The manager said she couldnt do anything and she repeated that 3 times. Then I let her know that the rep offered {$10.00} off so I know that she is able if she is his superior. She refused and said she cant because my account is closed. I asked for the debt to be sent to collections if thats the case and I dont want any further late fees assessed. 3weeks later they have added another late fee of {$30.00} total of {$62.00}. This is a 3000 % mark up on {$2.00}. How is interest even accrued on a closed account makes not sense. The way my account was closed lost me out on numerous points that could have been redeemed as cash. I never opened this account with comenity bank this account was originally thru XXXX then my XXXX card switched banks to this company that doesnt even have an app. Terrible experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
I have an account with Gemini XXXX and I sold my XXXX currency back in XX/XX/ and it was suppose to be available in cash so I can withdraw it. Its not allowing me to withdraw my money from the account. I want my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Incorrect address is reporting. Tried to remove and dispute it but it is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Incorrect address is reporting. Tried to remove and dispute it but it is still there.

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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries below. 

XXXXXXXX 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 MORTGAGE XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within XXXX  days of the completion of your re-investigation.

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 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I came to the Bank of America ATM and tried depositing {$370.00} and it accepted {$170.00} and gave me back some money so I reentered the rest of my money and the screen said it could not process my request and to enter the additional money I put it and I typed the extra {$200.00} that I deposited and the screen said transaction canceled so it did not give me any money back nor did it complete my cash deposit to my checking account.

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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I've sent several letters to the credit bureaus and financial company in reference to removing late payments from my credit report because it is unlawful. I have tried to send Good Will letters as well due to my medical emergencies and illnesses but they did not attempt to resolve it and assist me even though I have currently caught up on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If XXXX and TransUnion feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The XXXX XXXX XXXX has continually reported inaccurate credit information in my credit file even though they are NOT a credit reporting agency. I was informed by a XXXX XXXX representative that they retrieved my credit information from the XXXX and TransUnion credit files, and then in return report the information in my credit file with their company. Im assuming that this is still a violation of the Fair Credit Reporting Act ( FCRA ). My credit file with XXXX XXXX still contains negative or derogatory credit information that is very damaging to my credit file, and they should not be allowed to furnish any of my credit information.

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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries below. 

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 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.

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 2023-01-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
FREEDOM MORTGAGE is attempting to foreclose on my home in XXXX XXXX XXXX XXXX CASE NO. XXXX ( SEE ATTACHED DOCUMENTS FOR REFERENCE ) this action and case and foreclosure is an act of fraud and a crime under title 18 USC as FREEDOM MORTGAGE ACCOUNT # XXXX has been discharged in bankruptcy court case no. XXXX, therefore FREEDOM MORTGAGE IS commiting fraud and in violation of a federal court order

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 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank of XXXX NC took my grandfather 's inheritence meant for me as per his will and disbursed it to my father when he fraduently opened an account with my birth certificate forged to look like I was 18 when I was a minor. They admitted this and said although this is their fault they don't feel responsible for replacing the funds. This has been an issue for going on 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, 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:
Transunion illegitimately assumed the role of reporting information about me. I've reach out to Transunion ; in attempts to resolve their careless and XXXX actions ; amicably and out of court more times than I've kept record of ; via telephone and XXXX XXXX MAIL tracking numbers : XXXX, XXXX, XXXX ). Despite me proving proof of their negligence, my commands and demands to redress this matter ; Transunion purposefully continued to commit fraud. Transunion unlawfully, without my consent, without providing any type of adequate notice, or without any type of authorization from me deliberately, knowingly, illegally, and willfully used my credit card ( SSN ) to furnish allege incorrect information about me. Transunion committed XXXX  identity theft against me Their actions put me at risk further of identity theft. Transunion also willing directly violated the XXXX XXXX XXXX, XXXX XXXX, The Consumer Credit Protection Act, The Truth in Lending Act, The Fair Credit Reporting Act and The Fair Debt Collection Practices Act, The Consumer Financial Protection Act, The Fair Credit Billing Act, The Dodd-Frank Act, and The Uniform Commercial Code. Due to Transunion lawlessness I've XXXX XXXX financial injury and grave XXXX XXXXl. I've been denied extensions of my own credit in excess of well over {$XXXX} ( XXXX XXXX XXXX Dollars ).

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 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened this claim XXXX, the bank never requested more information about this transactions and the problem, also never requested a letter explaining the situation or even my signature. 
The purchase was made on store face to face but as many stores they dont have the product on the same site, so in this case they will send it to my address. 
The merchant never provided the goods, so I opened this claim with my bank, Chase. But they denied the claim saying the transactions was made face to face so the goods must be taken on that time. 
attached goes the receipt showing they will send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Service Company, INC
State: TX

Complaint narrative:
CREDIT SERVICE IGNORED MY Affidavit of XXXX, Notice & Demand, & CEASE AND DESIST DEMANDS. THEY DID NOT RESPOND WITHIN XXXX XXXX DAYS PURSUANT FEDERAL LAW. XXXX SERVICE illegitimately assumed the role of reporting information about me. I've reach out to XXXX Service; in attempts to resolve their XXXX and XXXX actions ; amicably and out of court more times than I've kept record of ; via telephone and XXXX CERTIFIED MAIL tracking number : ( XXXX ). FIRST AND FOREMOST IVE NEVER DONE ANY TRANSACTIONS WITH CREDIT SERVICE SO ANY ALLEGATIONS ARE A DIRECT VIOLATION OF MY RIGHTS PURSUANT TO FEDERAL LAW. CREDIT SERVICE HAS NO EVIDENCE OF ANY ALLEGED INDEBTEDNESS. ITS IMPOSSIBLE! SECONDLY IF THEY DO HAVE ANY ALLEGED AGREEMENT ITS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS CREDIT SERVICE ARE ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS CREDIT SERVICE KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AXXXX IDENTITY THEFT. XXXX XXXX REPORTING FALSE ALLEGATIONS TO XXXX PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE EXPERIENCED DENIALS, UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THERE INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.

Company response to consumer: Closed with explanation