vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 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: PA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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:
In XX/XX/2015 somebody used my social security number to set up a credit account using the name XXXX  XXXX. I want to get this fraudulent account taken off my credit reports and to have all collection attempts seized and dismissed.

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 2023-09-11 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 XXXX charges from merchant XXXX XXXX  was made on my at the time bank of the west account which is now BMO bank. i had placed XXXX order online with the merchant which was shipped out to me in XXXX shipments so they had split the charge to XXXX since it was shipped in XXXX parts. charged {$2500.00} {$2100.00} {$350.00} the items were shipped back to merchant using XXXX tracking XXXX. Weighed XXXX lbs signed for by XXXX delivered on XX/XX/2023. you have XXXX  days to return anything with the merchant. merchant for a week said they will refund me and gave me the run around i never got the refund so i contacted my bank to file a dispute. i filed my dispute was told i would have a temporary credit in XXXX  days while they work on it. i never got that temporary credit and on top of that bank of the west now bmo bank ignored me for over a month i had to chase them down. after ignoring several emails by a supervisor XXXX and my so called fraud department agent XXXX i got sick and tiered and decided to write to there corporate and file a claim with you guys. i have still been chasing them down and have had no luck getting any answers from them. XXXX weeks ago i got XXXX answer from XXXX who re opened the case because they are claiming merchant said it has been returned/exchanged in. store but there is no proof of who or whom, did this what card a return or exchange was done on and i do not understand was it a exchange or return. they have been lying to me and since i did not fall for the lie they claimed to have re opened the claim which i highly doubt. i have no proof of that return exchange or who ever did it if it was done or how that could have even happened if my package clearly shows delivered and it transit at those times and merchant signed for it also. i am beyond angry and upset with bank of the west now bmo bank for treating me this way. i have my proof of return which is my tracking i should be getting my funds back to me instead of helping me they are ignoring me and not doing anything at all. it has been the worst experience and they are the worst bank who lies and treats their customers like XXXX. they have a full fraud liability and i as a customer am saying the merchant is doing fraud they received my merchandise and are not refunding me and my bank who is suppose to protect me who has my trust with my money is doing nothing and on top of that ignoring me at all costs. never bank with them i am so glad i did not take my XXXX business accounts to them because they way they get you to be a customer is all lies. the claim numbers with the bank is XXXX. 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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The post office unable to deliver my mail to these wrong and inaccurate addresses and creditors are denying me credit due to these incorrect names and addresses. Furthermore I do not want to be acceptable to identity theft.

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 2023-09-11 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: PA

Complaint narrative:
The post office unable to deliver my mail to these wrong and inaccurate addresses and creditors are denying me credit due to these incorrect names and addresses. Furthermore I do not want to be acceptable to identity theft.

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 2023-09-11 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:
XXXX XXXX  # XXXX Date Opened : XX/XX/2022 Balance : {$2100.00} These above accounts were opened fraudulently I submitted a complaint with the FTC I'm attaching any documents to support my claim, and I'm asking these above items be DELETED from my credit file, Thanks, 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 2023-09-11 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: PA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-09-11 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: OH

Complaint narrative:
I filed a complaint about this company with the CFPB about incorrect reporting practices for stating I was late on my payment on XXXX and XXXX. I am now being retaliated against. On this day XX/XX/XXXX this agency changed my payment status from XXXX  from current to late. This was not on my previous credit report as late I was current on my payment for this month and now since I filed several reports about this company they are continuously finding ways to defame my character through my credit report. There is no reason why 10months later a payment should go from current to late under any circumstances. They are continuously retaliating against me for making a report and standing up for the law and whats right. The refuse to make my XXXX payment current instead they marked it as closed. Then they turn around and went back ten months and made a payment that was on my payment history as Current and reported it as late I will Attach these documents proving they changed a payment that was current too late which affected my credit score. As a consumer I should not be retaliated against for making a report with the CFPB. If after this report nothing else should change on my credit report from this company as if and account is Closed with no balance they should not still Be reporting. Nothing else should be reported except from them changing my XXXX payment back to current as it was from the past 10months. They are using this as a form of pay back and retaliation for being reported and if this continues I will file a lawsuit law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: EQUIFAX, INC.
State: FL

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 2023-09-11 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:
In XX/XX/2015 somebody used my social security number to set up a credit account using the name XXXX  XXXX. I want to get this fraudulent account taken off my credit reports and to have all collection attempts seized and dismissed.

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 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2023 - {$20000.00} and it was rejected XX/XX/2023 - {$31000.00} and it was rejected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: FL

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 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 2023-09-11 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: CA

Complaint narrative:
In XX/XX/2015 somebody used my social security number to set up a credit account using the name XXXX  XXXX. I want to get this fraudulent account taken off my credit reports and to have all collection attempts seized and dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: MS

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In XX/XX/2023 I called Portfolio Recovery Associates and requested they verify a debt that is currently in collections. I asked that they send me information that shows I owe the debt but did not receive anything from them. I did a follow up with them in XX/XX/2023 but was informed that they had nothing they could send me to verify the debt. Before I could ask them to stop the collection on the debt until they send me verifying information the rep hung up in my face. Ive tried numerous times to get information regarding this debt and the validity of it but its been to no avail. I also contacted all 3 credit reporting agencies to dispute the debt, XXXX removed the information from my credit report but XXXX and XXXX have yet to do so. They even have reporting errors on file such as date opened and date last active that they have failed to update since XXXX of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
Used Zelle through my bank 's online banking system XXXX XXXX XXXX  ) to make a payment of {$45.00} for a concert ticket from my checking account. Seller continued to try to obtain additional money, and it became apparent that it was a scam and he did not actually have a ticket. Contacted my bank because the transaction is still pending to report the fraud and have the transaction cancelled. Customer service ( for Zelle, but contacted through my bank 's customer service number ) stated that I could not dispute the transaction until the money transfer took place, which could take up to 7 days. I stated that the transaction was fraud and that we needed to take action before the transfer was made, but the company refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please my reputation is destroyed because of this

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 2023-09-11 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:
, there is information that is on my consumer report that is a result of IDENTITY THEFT. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately. 
PLEASE AND 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 non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have 2 credit cards with Bank of America, and I put both of them on AutoPay. But, Autopay didn't work, so I got charged a late fee on both. Also note that : 1 ) Bank of America recently rearranged the menu items in the payment center in a more confusing way ; 2 ) Certain buttons do not show up in XXXX at all, while they do show up in XXXX ; XXXX ) Autopay has long had problems, substantiated all over the internet, e.g. XXXX XXXX XXXX 4 ) I know that I've put the cards on Autopay, or at least I've tried, but the Bank of America XXXX said I never did- that is upsetting.

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 2023-09-11 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: EQUIFAX, INC.
State: FL

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 2023-09-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Forster and garbus keep contacting me regarding a debt that I do not owe on. That paper was purchased after the original loan company was dissolved for illegal practice. Now they are threatening to garnish my wages.

Company response to consumer: Closed with explanation