vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
I am a XXXX XXXX XXXX man, dual XXXX who has banked with XXXX XXXX XXXX XXXX XXXX now Bank of Montreal XXXX XXXX ) for years, with no problems. In order of dates, here 's the problem ; XXXX XXXX, 2024 : I left XXXX XXXX and stopped at XXXX XXXX to exchange currency. I made sure to update all of my contact info directly with staff there. Some of it is still coming up wrong and has to be corrected online, >XXXX. XXXX : On a call to XXXX staff about a transaction, they couldn't verify my I.D . though I have voice and fingerprint i.d . on my phone. They turned me over to someone in customer service who grilled me for 10 minutes, while asking me complicated bank date and amount timed questions which I had to look up in my records... then hung up on me. 
XXXX : Denied payment of {$90.00}. XXXX from my debit card to XXXX XXXX making it outstanding/overdue. Also delayed other payments causing much time and problems. 
>XXXX. XXXX : BMO delayed an online in branch credit card payment from my checking account, then charged me late fees and transfer fees of about {$35.00}. US trying to pay them! 
>XXXX. XXXX : I found out from my XXXX XXXX  that BMO XXXX has put out false and negative credit report info about me, and trying to ruin my credit. I will have to spend more time and effort to correct this now! All for what? I did nothing but try to do normal banking!!

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 2024-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover called me to collect on my brothers credit card debt again today at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-09-24 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number:XXXX, Consumer Date of Birth : XX/XX/XXXX, Contest of Complaint : This CFPBComplaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-2 ) that you, the experian credit reporting agency, block information appearing on myconsumer credit report that is the result of identity theft and fraud with in 4 businessdays of youreceiving this complaint. This fraudulent, inaccurate, and false informationconsists ofa personal credit card account opened at XXXX XXXX on XX/XX/XXXX undertheaccount number ( XXXX ) an auto loan opened at XXXX XXXX on XXXX the account number ( XXXX ). Personal Credit card opened onXXXX on XX/XX/XXXX under the account number ( XXXX ) XXXXPersonalCredit Card opened at XXXXXXXX XXXX on XX/XX/XXXX under the accountnumber ( XXXX ), Personal Credit Card opened XXXXXXXX XXXX on XXXX the account number of ( XXXX ), Personal Credit Card openedatXXXX Card on XX/XX/XXXX under the account number ( XXXX ), Collectionaccount opened at XXXX XXXX  XXXX on XX/XX/XXXX under the accountnumber ( XXXX ), a collection account opened at XXXX XXXX XXXX on XXXX XXXX the account number ( XXXX ), a personal loan opened at XXXX XXXX  XXXX under the account number ( XXXX ), a collection XXXXXXXX XXXXopened on XX/XX/XXXX under the account number ( XXXX ). These accountshave resulted in several fraudulent hard inquiries and fraudulent collectionsappearing on my consumer FICO credit report. I've attached a list of the hardinquiries in question as well as a copy of a consumer FICO credit report maintainedby you which shows the aforementioned accounts, collections and hardinquiriesappearing on my consumer credit report maintained by you were notopened, madeor initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. i have attached a copy of FTCidentity theftCriminal Complaint # XXXX as proof from the US federal TradeCommission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-24 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: MA

Complaint narrative:
I have disputed the validity of reported late payments multiple time requesting that I be sent actual physical proof such as a bank statement proving that I have been indeed late making payment. To date no actual physical proof has been provided. The credit bureaus will continuously " update '' the information on my credit report and have not removed the negative remarks stating that my accounts have been late at least once. They absolutely refuse to send the proof they are required to send if in fact they are doing an actual investigation which is a clear violation of my FCRA rights; According to FCRA rules 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] - ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 602 [ 15 U.S.C. 1666 ] - a creditor may not treat a payment as late for an open ended credit account for any purpose. I have submitted disputes on the following dates ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. As you see I have more than done my due diligence in communicating the credit bureaus TransUnion, XXXX, and XXXX on this matter and they absolutely refuse to delete the negative remarks on the accounts that they are reporting I allegedly paid late.

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 2024-09-24 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-09-24 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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX 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 informationisinaccurate.

Please remove these Inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2024-09-24 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: OH

Complaint narrative:
XXXX XXXX XXXX is reporting no improper information on my credit report. When attempting to contact them, they stated I need to contact someone else. 

They are reporting an improper charge off, with a past due balance which is a violation of the FCRA.

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 2024-09-24 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: IN

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-25 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: FL

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

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 2024-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: PA

Complaint narrative:
We signed a 5-year contract with XXXX in XXXX. XXXX sold their company to XXXX and the service got increasingly worse. We switched companies early in XXXX. We contacted XXXX to let them know. I asked for a refund for the remaining year. XXXX XXXX responded back to me via email that there would be a small balance due on the contract that they would disregard but could not give a refund. Months later I started getting emails and phone calls for the balance. I responded showing XXXX  email, but got no response. I contacted the XXXX They got no response. Then a collection agency started emailing me at an email address that all managers have access to showing my name ( even though Im just the office manager ) and the debt, and I gave them the same proof- XXXX email. They said they would get back to me after they spoke with their client. They never got back to me and they continue sending emails still asking for the balance due, which includes my name and balance to an email address used by all managers. I have repeatedly asked them to stop since the company said they would disregard the balance, but they continue. They are also threatening to contact credit bureaus. I am not the owner of the business! The business does not owe this debt and neither do I.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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 am writing to address an issue with my account, where an old address and incorrect names are being reported. I no longer reside at the listed address, and the names associated with my account do not belong to me.The credit reporting agencies are violating my rights and failing to comply with FCRA laws by inaccurately reporting incorrect names and addresses on my credit report. 
Here are the following errors I found as per the FCRA : XXXX XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX XXXX This is not the correct spelling of my name. 




XXXX XXXX This is not the correct spelling of my name. 






XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This is my mom 's address and I do not live here nor is this address deliverable to me by the US Postal Service per the FCRA. Immediately delete this address because your company has illegally mixed or merged someone else 's address and other personal information in my credit report. 


XXXX XXXX XXXX XXXX XXXX, NJ XXXX This is my father 's address and I do not live here nor is this address deliverable to me by the US Postal Service per the FCRA. Immediately delete this address because your company has illegally mixed or merged someone else 's address and other personal information in my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This is my sister 's address and I do not live here nor is this address deliverable to me by the US Postal Service per the FCRA. Immediately delete this address because your company has illegally mixed or merged someone else 's address and other personal information in my credit report. 


You are still reporting an old address that I no longer reside at. I attracted my Social Security card, a recent utility bill, and an updated copy of my drivers license as proof of my current address. I kindly request that you update my account with this accurate information to ensure my credit report reflects where I actually live XXXX XXXX XXXX XXXX, NY XXXX and my name XXXX XXXX XXXX is not the correct spelling of my name.

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 2024-09-24 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:
Ive been dealing with the identity theft from my ex gilrfiend for a while now, she opened accounts under my name without my consent. I need to have these items removed

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 2024-09-24 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: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-25 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
Account reporting under collections. I do not recall and feel they are attempt to collect a debt that is not mine. I have asked for proof that the debt is mine, and was advised that they have a contract with me in regards the debt they were attempting to collect, but would not provide me with any type of proof this is in fact mines. 

I would like the company to provide with all information on this as I truly feel the this is fraud and needs to be removed from my credit report. Company has failed to response to my request and would like some help on getting them to validate the debt for me.

Company response to consumer: Closed with explanation