vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened a XXXX XXXX  account with XXXX Bank XXXX XX/XX/XXXX. The account was funded via an ACH transfer from another bank. A year later, on XX/XX/XXXX, the XXXX matured. I sought to close the account and have the funds transferred to my checking account at XXXX XXXX XXXXXXXX. 
I then learned that while BMO accepts ACH transfers to fund accounts, at closing the only option the bank offers is to send a check, using snail mail. Unless, I chose to transfer the money to another BMO product. 

With no other options- and since I needed the funds- on XX/XX/XXXX, I requested that the check be sent to me. I did not receive the check until XX/XX/XXXX - 8 days after my request to have the account closed and the funds remitted. 

To make matters worse, I learned that it would take another 7 days for the check to clear and the funds transferred from XXXX Bank. 

Clearly XXXX has the ability and capability to process ACH transfers. They're engaged in an unfair and deceptive practice through which they hold customers ' monies for an extended period- in this case 15 days - without paying any interest. 
I asked the bank to reimburse me the interest owed during the time they held the funds, and XXXX refused. 

BMO seems to be operating like XXXX California. You can 'check in ' via ACH, but you can not check out ... at least not for an extended period during which the bank unfairly benefits from the time value of their withdrawing customers ' money. 

This is inequitable, unfair and deceptive and the practice should be stopped. 

Thank you, in advance, for addressing 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 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Netspend Corporation
State: FL

Complaint narrative:
To whom this may concern, I, XXXX XXXX, on this XXXX day of XX/XX/2024, I am requesting all information for each deposit I have made for my account with NetSpend. 

Please provide me with the information. 

Thank you. With prejudice All Rights Reserved UCC 1-308

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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Identity Theft, I did not sign for anything. Please Investigate the matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: Chime Financial Inc
State: PA

Complaint narrative:
Somehow someone got into my chime account from my email, I received an email XX/XX/2024 around XXXX stating I received an email from chime stating that I received an link to get into my account, I never received a link to my phone number or email. After that I received 2 other emails stating I was logged on to a new device, after that last email is when all money was taking from my account! I didnt notice until around a hr later around XXXX I received an email stating that my funds had dropped below the amount I have set for! This person sent from my banking accounting to their XXXX account the remaining balance in my account. I contacted my mobile bank which is chime and they told me to wait for the charge to clear and then start with the dispute process. I reported the scam account to XXXX I also blocked the recipient and tried to send for a refund! Chime AND XXXX both denied my dispute. 3 unauthorized transactions occurred which totaled to {$980.00} be taken out my checking account. Chime states they only see 2, I sent in multiple times evidence and attempted to reach out multiple times and still denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act as they are currently reporting both Transactions and Experiences which is EXCLUDED on consumer reports. Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). They are reporting XXXX late payments and a balance of {$390.00}. I have also sent a notice to the consumer reporting agencies about this erroneous information to which they have not complied to the procedures and requirements of the Fair Credit Reporting Act.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act as they are currently reporting both Transactions and Experiences which is EXCLUDED on consumer reports. Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). They are reporting XXXX late payments and a balance of {$390.00}. I have also sent a notice to the consumer reporting agencies about this erroneous information to which they have not complied to the procedures and requirements of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: NJ

Complaint narrative:
XXXX XXXX XXXX  is in violation of the Fair Credit Reporting Act as they are currently reporting both Transactions and Experiences which is EXCLUDED on consumer reports. Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). They are reporting XXXX late payments and a balance of {$390.00}. I have also sent a notice to the consumer reporting agencies about this erroneous information to which they have not complied to the procedures and requirements of the Fair Credit Reporting Act.

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 2024-03-13 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-03-13 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: SC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
XXXX XXXX XXXX illegally sold me a vehicle they didn't not own after finding this out i tried returning this vehicle to them but they refused send me back and forth between them and the finance company.

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 2024-03-13 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: NY

Complaint narrative:
I opened a complaint on XX/XX/XXXX against them COMPLAINT ID XXXX and they finally responded today, on XX/XX/year> It took Experian over 4 months to respond to my dispute letters and they didn't honor any of my requests. This is in direct violation of the FCRA. 

I demand the complete removal of the items I disputed ASAP or I will take legal action. 

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-13 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-13 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: OH

Complaint narrative:
Please see attached docuasments. Do not close this complaint stating it is not me. I am a natural person and a consusfamer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2024-03-13 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: FL

Complaint narrative:
I have about XXXX different student loans that is currently with XXXX/Dept of ED ( at least that is how it is reported on my credit report as of XX/XX/XXXX ). All XXXX of the loans reflect a late payment in XXXX of XXXX of 90 days past due. My problem with this inaccurate information is that my credit report is reporting that the XXXX and XXXX of XXXX payments are in good standing/on time. 

How can XXXX of XXXX be 90 days past due without XX/XX/XXXX being 30 days past due and XX/XX/XXXX being 60 days past due? 

I have raised this issue with XXXX and all XXXX of the credit bureaus and no one can seem to provide me with a reasonable explanation. I believe the problem comes from the prior loan servicer inaccurate data. 

Since loan payments are paid monthly and this one loan payment is reflecting as 90 days late, but I have XXXX loans listed on my report, this inaccurate error is impacting my report 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 2024-03-13 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: FL

Complaint narrative:
I have about XXXX different student loans that is currently with XXXX/Dept of ED ( at least that is how it is reported on my credit report as of XX/XX/XXXX ). All XXXX of the loans reflect a late payment in XXXX of XXXX of 90 days past due. My problem with this inaccurate information is that my credit report is reporting that the XXXX and XXXX of XXXX payments are in good standing/on time. 

How can XXXX of XXXX be 90 days past due without XX/XX/XXXX being 30 days past due and XX/XX/XXXX being 60 days past due? 

I have raised this issue with XXXX and all XXXX of the credit bureaus and no one can seem to provide me with a reasonable explanation. I believe the problem comes from the prior loan servicer inaccurate data. 

Since loan payments are paid monthly and this one loan payment is reflecting as 90 days late, but I have XXXX loans listed on my report, this inaccurate error is impacting my report XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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 have about XXXX different student loans that is currently with XXXX/Dept of ED ( at least that is how it is reported on my credit report as of XX/XX/XXXX ). All XXXX of the loans reflect a late payment in XXXX of XXXX of 90 days past due. My problem with this inaccurate information is that my credit report is reporting that the XXXX and XXXX of XXXX payments are in good standing/on time. 

How can XXXX of XXXX be 90 days past due without XX/XX/XXXX being 30 days past due and XX/XX/XXXX being 60 days past due? 

I have raised this issue with XXXX and all XXXX of the credit bureaus and no one can seem to provide me with a reasonable explanation. I believe the problem comes from the prior loan servicer inaccurate data. 

Since loan payments are paid monthly and this one loan payment is reflecting as 90 days late, but I have XXXX loans listed on my report, this inaccurate error is impacting my report 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 2024-03-13 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: NJ

Complaint narrative:
My personal data was compromised yet again on the recent XXXX XXXX data breach. Today XX/XX/XXXX I received a credit alert that my credit report was accessed by XXXX XXXX XXXX. I did not authorize this access, the alert was for XXXX, XXXX and Transunion. I am requesting that this inquiry be removed 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 2024-03-13 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: NJ

Complaint narrative:
My personal data was compromised yet again on the recent XXXX XXXX data breach. Today XX/XX/XXXX I received a credit alert that my credit report was accessed by XXXX XXXX XXXX. I did not authorize this access, the alert was for Experian, XXXX and XXXX. I am requesting that this inquiry be removed 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 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received notification regarding this ATM withdrawals in the amount of XXXX I contacted them right away as this was on a Saturday and the transaction were still showing pending. I was told to contact. them once they shown that they are no longer pending. I contacted them and right away I provided information and screenshots. They have denied my dispute. They have not provided me with any information on why they have denied me. They keep telling me that they will send me over documentation the reason why they have denied me, but they have not. They only send over a form of what we discussed over the phone, which I am well aware of what the conversation was about. There is also another transaction of ATM withdrawals that happened to be out of state. When I spoke with Chime, they they advised me to travel out of state and file police report with them regarding my money

Company response to consumer: Closed with explanation