vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
on XX/XX/24 I received statements in the mail for XXXX checking accounts that where opened fraudulently in my name at BMO Bank. I called XX/XX/24 and was able to get account closed with customer service representative at BMO Bank named XXXX. I then proceeded to contact the Federal Trade Commission, put an alert/hold on my credit, contact the credit bureaus and follow any instructions given by the Federal Trade Commission XXXX on XX/XX/24 I received emails from BMO Bank for both checking accounts that I had closed on XX/XX/24 stating that there was a statement to be viewed and to log into my account. I called BMO customer service because I don't have an account to view the statements and I wanted to confirm the accounts had been closed and that no money had been laundered. as of the statements I received on XX/XX/24 there was no money in either account. The customer service representative said he could not disclose any info to me, would no email me or mail me the statements, and stated that he could not view the accounts and I had to call the Federal Trade Commission to get report my identity being stollen. advised I had done that I just needed to confirm the checking accounts where closed and wanted to view the statements. He still refused to help me and kept telling me the Federal Trade Comission could view the statements and I had to call them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
This will be my XXXX time now filing this complaint with Amsher Collections XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX and for whatever reason this account has been back reported to my XXXX XXXX. I have XXXX complaints filed XXXX XX/XX/XXXX and XXXX XX/XX/XXXX which again this was removed so why or who is allowing these companies to keep causing grief and stress to us as consumers. Again per the last XXXX complaints this is account has caused me to not to be able to provide housing for me and my minor children. if this was removed why is this now back reporting to my bureaus. I need this removed asap per the last complaints so now the company again going to say this will be removed in 90 days when why was this placed back on my bureaus. I just got denied housing because of this and that's how I found out this was back on my bureau. Thanks In Advance with getting this matter taken care of and removed and for this to not be placed back on my bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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:
XXXX Account number-XXXX open with a past due balance. I received a copy of my credit report. To my surprice, you are reporting this account incorrectly. This account is reporting not only as OPEN, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I recently pulled my credit report and found some inaccurate accounts that are reporting. I have made a list of the inaccurate accounts that I would like removed. I am in the process of XXXX XXXX XXXX for my family and this is hindering me from doing so. Please review all of my documents and remove all the accounts that are listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
In XXXX of XXXX Freedom mortgage went into my loan without my knowledge and unprovoked added a note to my file stating disaster relief and then changed my payments that were listed correctly as on time from XX/XX/XXXX through XX/XX/XXXX to no information available and my credit score plummeted. Freedom mortgage then went in unprovoked and removed the disaster note but did not fix there reporting error and re report my XXXX through XX/XX/XXXX back to on time payments so my credit could be corrected and go back up. I have had ( 5 ) phone calls over the past XXXX months with them where each time they escalated the call to management and have confirmed my payments were on time and should be correctly reported as on time and in good standing. Each time I wait several weeks for this to be fixed and it has not been changed then its back to square one with a new representative and new manager who has no clue as to why it happened and i get every excuse in the book. There was NO storm, my payments for those months were ON TIME. My disputes through XXXX XXXX and XXXX said the issue was resolved but freedom still has not reported it correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX closed or charged off the account shortly after the issues with the car were reported back in XXXX they only began reporting missed payments and the account as open again after the XXXX money started going out in XXXX  in an effort to extort their previous customers, have been reporting missed payments month after month to keep people from being able to rebuild their credit and life after they experience a financial hardship. The debt is not collectable as the statue of limitations for the contract have run up. The original terms of the loan were 48 months so they should only be able to report the missing 48 months and from there the account should have been closed on the credit reports and listed as charged off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: GA

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: GA

Complaint narrative:
I previously had a {$25000.00} credit limit for a cash rewards credit card with XXXX XXXX XXXX XXXX. I unfortunately fell on hard times and XXXX XXXX  ended up closing the card and charging it off. 

I made a lump sum payment of {$500.00} and set up a payment plan in XXXX XXXX for $ XXXX to satisfy the charged off debt. 

I'm cleaning my credit up so in the midst of looking at my credit report from XXXX, Equifax and XXXX I noticed that XXXX XXXX reported the same exact account TWICE on my Equifax and XXXX report. 

One shows a balance of {$24000.00} last reported on XX/XX/XXXX and the other shows a balance of {$24000.00} last reported on XX/XX/XXXX. 

Both of these are technically inaccurate as I paid them a {$500.00} payment in XXXX XXXX, but the balance reported in XXXX XXXX is {$24000.00} instead of the accurate balance which is {$24000.00}. 

I did not have XXXX different accounts with the same credit limit. I only had XXXX cash rewards account with them so it should not appear on my Equifax and XXXX report twice. That is inaccurate information and it's having an adverse effect on my credit report by showing I owe more debt than I actually do. 

I've tried calling their collections department to see if they can fix it, I've messaged XXXX XXXX XXXX XXXX via their internal messaging system as well as disputing it through XXXX with no results. I'm not able to dispute it through Equifax yet or else I would. 

I'm asking that XXXX XXXX XXXX XXXX please remove the duplicate reported accounts on my credit report and fix the actual reporting inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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 not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I can no longer defend myself against XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ fax ] XXXX In court or prevent the foreclosure of my home, XXXX XXXX XXXX, XXXX, MA, XXXX. 

Index XXXX. 

I was not given the opportunity to present my case in front of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX  As XXXX XXXX XXXXXXXX, XXXX Made misstatements about my downpayment on the home under oath and failed to advise the court of their clients violation of automatic orders and contempt, when he stopped paying his mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
I am reporting a dispute about FCO : Fair Collections & Outsourcing of New England , Inc . 

My understanding is that you have a lawsuit against this company and I hope you can help me. They have failed to report my statement of dispute to the credit bureas and have failed to provide me with any answers on the phone or in writing. 

This company has given me the runaround on the telephone since XX/XX/year> when I first received their notice of a claim from XXXX  years ago. They have not answered my questions, and have stated numerous times over the telephone that if I do not pay the amount they will report me to the credit bureau on XX/XX/year>. 

I have told them, both numerous times in writing and on the telephone, XXXX times since receiving their notice of debt in XXXX, that I am disputing this claim due to constructive eviction. Every time I called asking them to investigate on their end, they simply told me to pay or I will be reported. I have a credit score of XXXX and this is very upsetting to me that they will not investigate my claim or provide any answers to me other than to pay. It is as if they are reading off a script and not hearing my voice or my questions. 

I feel I am not being protected and they are not investigating my dispute with simple disregard. They have not reported to the credit bureaus that I have disputed I have XXXX obligation to this debt. They have not followed up on my written or telephone correspondence. 

Kindly advise me. 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 explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
They continue to call me and threaten to take legal action. They call 3 times daily all throughout the week. I understand a debt is due. Im experiencing a financial hardship and they continue to call multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: NJ

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: TX

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: CA

Complaint narrative:
I am writing to disagree with the previous results of the investigation I dispute the account listed below, which remains on my credit report despite your prior investigation. I request an immediate reinvestigation, as the inaccuracies are seriously impacting my credit score. 

Account Name : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, I request the names and business addresses of each individual involved in verifying this account. This information will allow me to follow up appropriately.

Additionally, please provide me with an updated copy of my credit report once the reinvestigation is complete.

Thank you for your attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/2023 ) Im now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt action.

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