vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I signed up for a new account with BMO Harris Bank XXXX XXXX XXXX XXXX It took almost 3 hours to verity me over the phone. I had to send many documents and answer many questions over the phone. The next day my representative asked me for my account numbers for me to transfer my funds to them. Then they sent me many documents to sign over a portal. However, when I tried to sign up on the online portal I have run into many problems. First, their online portal refused to send me a code after Friday. Then on XX/XX/ a representative gave me a temp password to sign up online. The system did not allow me to finish the process. So, I waited until Monday XX/XX/ to call back. I was on the phone for several hours trying to sign in. It allowed me to sign in only by clicking on forgot password. After being on the phone the repXXXX told me she would call me back today XXXX XXXX XXXX So, I called and spoke with several reps. The first one was very Rude. The second one XXXX was very nice. The online banking has locked me out a would not verify me. However, it would send me texts messages and emails saying that a unauthorized device was trying to sign in my account. Then it was saying all day that it did not even recognize my information. When I tried back a rep in the escalation dept was EXTREMELY MEAN AND RUDE TO ME!!!, l just got off the phone with XXXX who just mostly defended her co-workers attitude towards me. This bank took my money and allowed me to open up account 's and then refused to allow me access to my accounts with my money in them. Then they disconnected the calls and then wrote in my account that I hung up and I was not verified! That is a lie! They did this purposely I feel to get my accounts open to their advantage and then refused to verify ... Although they are saying that I hung up! I have been trying to access my accounts to see if my money is okay. Imagine someone saying they need your money to open your account... Then taking your money and then refusing to let you get to your money. This has been a awful experience dealing with them! I am requesting all phone records be pulled from XX/XX/XXXX, XXXX, XXXX, XXXX. Then she said that I called 20 times today ... Which is another LIE! The accessed my account to make it look like I called 20 plus times. They should have never let me open a account then demand my money if they did not believe I am who I say that I am!

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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Electronic payments no longer being processed from XXXX XXXX to shop your way XXXX, unable to make eltronic payment over the phone after providing bank routing number and bank account number, told payments are not received when they were, payments sitting in processing for days while unapplied to account, mislead by customer service, Was told if I wanted to speak to an American representative I had to hang up and continue to call back back until I reach one. Then was able to be transferred to an American representative when I said my next phone call was to the consumer financial protection Bureau. Payment mailed on XX/XX/XXXX was told not received on XX/XX/XXXX I placed a stop payment on XX/XX/XXXX and issued a new check. They then posted the original payment to my account dated XX/XX/XXXX proceeded by posting a reversal due to the stop payment. I mailed a third check on XX/XX/XXXX, this time sending it certified mail. As of XX/XX/XXXX neither the 2nd or 3rd payment had been applied to my account. I called them again and was told my 2nd and 3rd payment had not been received. Then when I told them I mail the 3rd payment certified mail an I knew it was received then then told me my 2nd payment was in processing as of XX/XX/XXXX. As of today no payments have been applied to my account. I was charged interest and a late fee which they agreed to reverse.

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 2023-12-12 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: SC

Complaint narrative:
Experian has 3 credit cards companies on my consumer report without my written consent and the transactions between consumer and persons making the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violating 15 USC 1681 ( a ) ( d ) ( 2 ) ( 1 ) exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the report. Violating 15 USC 1681 b ( 2 ) - permissible purpose of consumer reports ; in accordance with the written instructions of the consumer to whom it relates. Also because of these violations I was denied a home loan and 2 other credit cards because they pulled my Experian 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 2023-12-12 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: MA

Complaint narrative:
Hello to who it may concern ; Hi well i was looking at my credit report and i find out incorrect information of me and the only information you should have on my credit report should be the following only. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any other information thats not accurate to what i just told you in this letter i want it removed as soon as possible and i mean it as soon as possible 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 2023-12-12 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: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
This company pulled a hard inquiry on my XXXX, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This company has none of these documents or written instructions from me authorizing them to pull my report. I did not authorize this inquiry. The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: DriveTime
State: SC

Complaint narrative:
This company pulled a hard inquiry on my XXXX, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This company has none of these documents or written instructions from me authorizing them to pull my report. I did not authorize this inquiry. The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry

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 2023-12-12 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Charge-off is considered a certificate of indebtness so it's now income and income can not be reporting to my report as you can see with my XXXX account XXXX is reporting as a charge off. According to 15 USC 1681b permissible purpose of consumer reports I didn't give these agencies written consent to add any inquires to my consumer report I did not give this authorization that is a violation of the Fair Credit Reporting Act. So all inquires need to be remove. Any it's illegal to report transaction. 15 USC 1681s-2 ( A ) ( 1 ) states " 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. As you can see each account has inaccurate information and each account need to be deleted from my credit report. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of the title. XXXX, XXXX, and TransUnion are not maintaining reasonable procedures.

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 2023-12-12 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Charge-off is considered a certificate of indebtness so it's now income and income can not be reporting to my report as you can see with my XXXX account XXXX is reporting as a charge off. According to 15 USC 1681b permissible purpose of consumer reports I didn't give these agencies written consent to add any inquires to my consumer report I did not give this authorization that is a violation of the Fair Credit Reporting Act. So all inquires need to be remove. Any it's illegal to report transaction. 15 USC 1681s-2 ( A ) ( 1 ) states " 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. As you can see each account has inaccurate information and each account need to be deleted from my credit report. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of the title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I stopped doing business with XXXX in XXXX. The company refused to cancel my subscription. I contacted Capital one Walmart mastercard. The company said that they would put a block on the merchant so that they can not submit charges again. Since that call, I also request new card with new number to the issue. After that call on about XX/XX/XXXX, I have report by email from Capital one that there were daily charges attempt by XXXX, but were declined because there is insufficient credit card. 
I have a payment coming up, and there will be enough credit for this charge to go through. 
I call capitalone on XX/XX/, and spoke to XXXX, who told me that the merchant was not blocked because they ( Capital One ) is investigating. 
They said that if they allowed the charge to go through, they can launch a dispute with the merchant afterwards. 
This is almost ridiculous. I believe if I am responsible to pay the card, then if I direct them not to pay any merchant out of my account, they should implement that, and if the merchant does not like this, it should be between the merchant and myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Unifin Inc.
State: IL

Complaint narrative:
I was called XX/XX/ at XXXX CT from ( XXXX ) XXXX by a women who said she was calling as the State 's Attorney and asked me to verify my social. I asked her to repeat where she was calling from and she said that I needed to verify the information she was asking and that she would not be providing me with any information until then. I asked her again where she was calling from and did so 2 more times before I asked if she said she said she was calling from the State 's Attorney. She told me if I would not respond she was hanging up and she did. I attempted to call the number back at XXXX CT and was placed in a queue, but the line disconnected. 

I want to emphasize that I clearly heard her say she was calling from the State 's Attorney and I thought it was weird because she did not end it in " Office '', which is why I wanted her to repeat it. This is a clear misrepresentation of who she is and I only found this company by looking up their number on XXXX. It's illegal and fraudulent to falsify calling from a governmental agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: Rozlin Financial Group, Inc.
State: NV

Complaint narrative:
I was a victim of bag snatching around XX/XX/XXXX all my personal indentification my sss all my cards and my cellphone are inside my purse Good Samaritan called a police and the cops came he do all the reports after that I received all the person used my cards and my identity to call applying credit cards using my name thats so stressful. I thought everything is fine coz I freeze my credit score so that they cant used it but just now XX/XX/XXXX I received a letter from RFGI debt collection they said I owed {$3600.00} from a retail lease from XXXX XXXX XXXX  which I dont know and i didnt do the transaction. I called RFGI to tell them that someone used my identity to buy or lease from 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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed the address being incorrect, I called the credit bureau to dispute. They said they could not remove it because they were attached to other accounts incorrectly. I called the accounts to have updated. Still no change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: IL

Complaint narrative:
I noticed the address being incorrect, I called the credit bureau to dispute. They said they could not remove it because they were attached to other accounts incorrectly. I called the accounts to have updated. Still no change.

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 2023-12-12 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: KS

Complaint narrative:
I went to the car dealership, and I wanted to apply for a car, and they shopped my credit around without my consent. I told them I would go through my personal bank, and they proceeded to go forward without my permission. This has affected me extremely as my scores have dropped and i have been getting denied for lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: KS

Complaint narrative:
I went to the car dealership, and I wanted to apply for a car, and they shopped my credit around without my consent. I told them I would go through my personal bank, and they proceeded to go forward without my permission. This has affected me extremely as my scores have dropped and i have been getting denied for lines of credit.

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 2023-12-13 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: Nelnet, Inc.
State: NY

Complaint narrative:
I trust this message finds you well. I am writing in response to your letter concerning my federal student loan account with Nelnet Loan Servicing. I appreciate your attention to my concerns and the ongoing investigation into the reported identity theft. 
Upon careful consideration, I want to emphasize my main concerns regarding Nelnet 's reporting on my credit. These concerns are paramount to me and necessitate urgent resolution : Lack of Consent for Contractual Agreement : I have not received any evidence or clarification regarding my initial consent for Nelnet to conduct business with me. It is fundamental, under applicable laws, to demonstrate proper authorization, including a wet ink signature, for any contractual agreement. I request that Nelnet promptly provides documentation proving my consent for them to contract with me. In the absence of such proof, I insist on the removal of Nelnet from my credit report. 

Inaccurate Reporting as per FCRA : The inaccurate reporting related to my federal student loan account is adversely affecting my credit standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I formally request the immediate correction or deletion of any inaccurate information on my credit report attributable to Nelnet. 

-account number ending in XXXX alone has 3 different Dates opened being reported inaccurately on each credit bureau . in fact, all of your accounts are reporting inaccurate dates opened which has been harming my credit profile and this is the 3rd time I'm reaching out to you now. 

Given the lack of evidence of initial consent and the impact of inaccurate reporting on my credit standing, these matters are of utmost importance to me. I appreciate your diligence in investigating the fraud claim, but I must reiterate the critical nature of resolving these specific concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-12-12 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: PA

Complaint narrative:
I hope this letter finds you well. I am writing to follow up on my dispute regarding hard inquiries on my credit report, which were conducted without my explicit consent. Following a comprehensive review of my credit file, I uncovered several unauthorized inquiries into my credit history, resulting in hard inquiry entries on my Equifax credit report, as detailed below : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation