vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My company closed our accounts with Bank of the West on XXXX. 
A business line of credit. 
One year later, BMO acquired Bank of the West on XXXX. 
BMO opened a new business line of credit and a business credit card without our company 's initiation or approval. 
When questioned, they misled me. They claimed they didn't know how these accounts were opened so my identity must have been stolen. 
There are no other instances fraud so I believe BMO is not being honest.

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 2024-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
M & T Bank, reported me 30 days past due .I believe they have a duty as a lender to contact customer when theres a problem with payments .I was never contacted .They said they had no numbers to contact me, then they say we only had a work number? then they say didnt have consent to call only other numbers .All 3 of my numbers are clearly on crredit app ... .home, cell and work .I have had same numbers for over 18 years, no changes .Then they say only had consent to call work? What that would be last numbe ranyone would want them to call.I beleive they didnt call so they could pile up late charges .Bad PRACTICES!! I would like a record of when I gave consent to call work and gave no consent to call home or cell .If they cant provide that, I want negative rating removed from my credit. This what they say the reason was for never contacting me in almost 9 months there was a issue with my account .Makes no sense, remove negative rating.

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 2024-05-10 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that did not belong to me. I contacted the creditor and the credit agencies, XXXX, Experian, and XXXX. I explained them that I was not the one to open these account. I sent a letter regarding the account # XXXX, which was a claim by your collection agency XXXX XXXX XXXX, stating that I was in a derogatory condition, such as owing {$410.00} and that XXXX charged this account off on XX/XX/XXXX. I filed a formal Fraudulent Account Statement notice to dispute the charge. I was made aware of identity theft when went to filed my XXXX, XXXX, and XXXX taxes, only to find out that I was a victim of identity theft and fraud. I locked all my accounts and saw items on my credit report that were not my items. The XXXX account is one of the few accounts that was issued without my authorization. I have been subject to identity theft which is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I have also included a copy of my government driver 's license and a utility bill as mentioned in your instructions. Thank you for your time and energy to resolve this matter.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The issue : When getting Equifax credit report from a XXXX  party, it shows : XXXX ) Incorrect previous address XXXX ) Missing multiple credit card accounts Equifax Credit report from my.equifax.com website is different than the one provided by XXXX  parties. 

When it happens : When requesting XXXX XXXX report from third parties Equifax is showing missing multiple credit accounts and incorrect previous address. 

Third parties used : XXXX, XXXX XXXX bureau report, XXXX, XXXX. 

All the XXXX  parties shows incorrect Equifax credit history, while XXXX and XXXX shows my credit report without any issue. 

Notes : Confirmed with XXXX  parties that they do not change any information, and the information is provided directly from its source which in this case is Equifax. 

Several months ago Equifax merged my information from my ITIN to my SSN, and ever since the merge I have been experiencing this issues with XXXX  parties showing incorrect Equifax credit report. ( missing accounts and incorrect previous address ) I believe there is an extra report, or incorrect information that is creating this issue when pulling Equifax credit report from a XXXX  party. 

I have called Equifax consumer affairs department and explain the issue I am facing, but they are unable to open a ticket or fix the issue, and claim that this is a XXXX  party issue, again I confirm with third parties that the information they provide comes directly from its source ( EQUIFAX ). 

I will be attaching copy of the report from different sources. Please note even though there are multiple credit cards, I am still missing some and I have confirmed this. 


XXXX shows : XXXX open accounts XXXX  parties shows : XXXX active accounts + incorrect previous address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: GA

Complaint narrative:
XXXX XXXX  in XXXX starting XX/XX/XXXX I was on my house/townhome journey. I started my XXXX application with a lender and with a 2-week grace period I shopped around with other lenders. I was told that I had a 23-week time frame to shop around with lenders so it wouldn't affect my credit or credit score. But i didn't know that they would all show up on my credit report as hard inquiries. I was told they weren't supposed to show, only the 1st lender I shopped with and as long as the others were within the small timeframe window that they're not supposed to show up as hard inquiries nor hurt my credit score and they have. So, all the hard iquiries in XXXX of XXXX should be removed immediately from all XXXX credit bureaus. I don't know what XXXX is, I never applied through this company. I did apply for the XXXX XXXX XXXX so I understand why that hard inquiry is there. 



XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( BANK ) 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 2024-05-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX in XXXX starting XX/XX/XXXX I was on my house/townhome journey. I started my 1st application with a lender and with a 2-week grace period I shopped around with other lenders. I was told that I had a 23-week time frame to shop around with lenders so it wouldn't affect my credit or credit score. But i didn't know that they would all show up on my credit report as hard inquiries. I was told they weren't supposed to show, only the 1st lender I shopped with and as long as the others were within the small timeframe window that they're not supposed to show up as hard inquiries nor hurt my credit score and they have. So, all the hard iquiries in XXXX of XXXX should be removed immediately from all XXXX credit bureaus. I don't know what XXXX is, I never applied through this company. I did apply for the XXXX XXXXXXXX XXXX so I understand why that hard inquiry is there. 



XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( BANK ) 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 2024-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: PA

Complaint narrative:
Multiple attempts were made to contact the debt collection agency in regards to a debt showing in my credit report that does not belong to me. The representative today confirm the debt belongs to XXXX XXXX XXXX and the company is using my social security. I contacted the person reporting this debt and she was able to confirm this debt does not belong to me and effort were made multiple times to remove my name and social security number from that debt. I just contacted the debt collector again today and refused to acknowledge the debt and when requested to remove my social security, they started threatening me, indicating that they will be pursuing legal action and that they will be contacting the police. This was a tactic to state that the debt belongs to me. I have an email from the manager who is reporting the debt, in the email the manager is confirming this debt does not belong to me. The debt collector is refusing to contact the debt reporter to confirm that this debt does not belong to me. This agency should be banned from doing business again

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my 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 explanation
Consumer complaint received 2024-05-09 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: GA

Complaint narrative:
There are accounts showing on my credit file that does not belong to me 100 %. I have sent letters to the credit agencies requesting that this erroneous information and inaccurate accounts be removed from my credit reports. I am in the process of trying to purchase a home and this incorrect information is hold me back. Please help get the following information removed from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- looks like apartments Incorrect Address Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Incorrect Employers : XXXX and XXXX The credit agencies must be putting another person with my same name information on 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 explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc
State: CO

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX in XXXX Washington on XX/XX/XXXX stating I owed a subrogation claim in the amount of XXXX. I sent a certified letter disputing the claim, requesting a break down of the alleged charges, and proof that the XXXX insurance company paid that much out to their client. This is a subrogation claim. My daughter was in an accident XX/XX/XXXX, she was XXXX XXXX XXXX XXXX. She filed a police report, there were no injuries. I received a claim from XXXX XXXX XXXX XXXX XXXX in the amount of XXXX. I indorsed coupon payable to bearer, and sent a letter of claim of interest, rights and titles with instructions to place the amount of credit into the account for set off and closure. I never heard anything back from them. This is the main reason for dispute. Other than the fact that my daughter was given this car a year prior to the accident, and she was involved in the accident, she also lost the certificate of title. On XX/XX/XXXX, I received a a XXXX  day notice from National Services Bureau Inc. stating they were going to suspend my driver 's license for non payment, and cancel the plates on the car. The car was totalled. I called them on XX/XX/XXXX, or XXXX th. A man answered the phone, said they were suspending the driver 's license. I told him I am owed due process, he said I was not, and subrogation doesn't work like a regular debt, I either pay them, or lose my driver 's license. I informed him he was being recorded. He said no consent was given and hung up on me. I called back, and spoke with a woman. I told her I know they received my certified letter on XX/XX/XXXX because I have the returned receipt, and I need a breakdown of the charges, and proof the insurance company paid it out, I also included the original bill from XXXX XXXX XXXX in my first response to them. She said she would mail it out, but they haven't yet. XXXX days ago, I received a 'final notice ' from this National Services Bureau Inc. telling me to pay the amount of XXXX. Still have no evidence of a debt in that amount. Every letter they have sent me is dated XXXX and XXXX weeks prior to the date they are actually placed in the mail received to my post office box as well. Therefore, the XXXX day notice was invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Credit Report Inquiries without authorization

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 2024-05-09 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: TN

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal 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 explanation
Consumer complaint received 2024-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-09 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: LEXISNEXIS
State: PA

Complaint narrative:
Immediate Deletion of Unauthorized Information from Credit Reporting Agencies I demand that LexisNexis Consumer Center immediately cease and desist from providing any further information about me to credit reporting agencies without my explicit written consent. Additionally, I request that all unauthorized information already provided to these agencies be promptly deleted from their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Company not following policy time or proper investigation I been waiting since XXXX  for a update see attached 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 non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Company not following policy time or proper investigation I been waiting since XXXX for a update see attached 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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Due to various concerns regarding a lack of fair and accurate credit reporting.Th information being reported has caused damages. I have experienced difficulties seeking new credit. 
The below listed accounts was CHARGED OFF. These accounts has since been updating as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates In payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 

XXXX XXXX XXXX XXXX ( CREDIT CARD ) CHARGED OFF DATE : XX/XX/XXXX XXXX XXXX XXXX  ( CREDIT CARD ) CHARGED OFF DATE : XX/XX/XXXX XXXX XXXX ( AUTO LOAN ) CHARGED OFF DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( AUTO LOAN ) CHARGED OFF DATE : XX/XX/XXXX According to 15 U.S.C. code 1681s-2 the person should not be reporting inaccuracy to my consumer report when I, the individual have reasonable cause that the information is inaccurate.

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report immediately. 



Ive also found inaccuracies in the listed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

As stated above According to 15 U.S.C. code 1681s-2 the person should not be reporting inaccuracy to my consumer report when I, the individual have reasonable cause that the information is inaccurate.

Furthermore, I'm aware that the Secretary of State records all business transactions under the Uniform Commercial Code ( UCC ). I have attached a certificate of financing statement form from XXXX XXXX XXXX XXXX. Search criteria shows no results found for me to pay any financial. As the concerned consumer there shouldn't be debt that does not belong to me reporting on my consumer 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 explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX my husband and I found out a lien was placed on our joint bank account. On XX/XX/XXXX we found out it was from Bank of America for a Signature Visa which we have never had. Apparently the credit card was opened in XXXX using my social and my address and it was closed in XXXX. The attorneys who filed garnishment could not find my name on file. Neither could Bank of America. I asked to claim fraud or identity theft and was told to contact the Credit Bureau... .the Credit Bureau said that they cant file a dispute on something that doesnt exist ... .nothing regarding this credit card has ever shown up on my credit report. I go to court tomorrow for a garnishment exemption hearing but then what? Does the Virginia statute of limitations come into play?

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