vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had opened Online Savings account with BMO Bank about 2 years ago. 
Before one year or so someone was trying to enter my account so I immediately drew attention of Bank and they Froze my account. I didn't know it was frozen. 
Before 10 days I had big expenses related to Hurricane and thought better to get my money from Savings.

There was message when I tried to transfer money to call BMO bank then transfer will be possible. 
Following day I called and my call eneded without any resolution as they constantly moved my call from one dept to another and eventually call was cut.

This repeated since about 8-9 days. 
Today they stopped my online access so can not see anything. 
I request you to help me get my full money back as I do not trust such stupid bank. 
I had same account with XXXX where the person who picked phone himself relieved account from froze status and they already sent me money.

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 2024-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
USAA has accessed a {$25.00} fee on a payment it would not allow me to cancel as an automatic payment in their system. I attempted to cancel an automatic payment several days before processing and the system would not allow cancellation I made a payment manually for {$500.00} which was posted immediately to my account on XX/XX/year>

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 2024-10-23 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: IL

Complaint narrative:
I am requesting your support with this incorrect account on my credit report, which has been hurting my reputation as a customer. I need your help to remove these accounts because they have been reported incorrectly and negatively.

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 2024-10-23 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
There was an unauthorized charge on my American Express gift card. 

purchase date : XX/XX/year> Amount : {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I have not had any of my employment added to my credit report since XXXX. There is an alias Ive never used and several addresses Ive never resided at.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-10-23 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: IL

Complaint narrative:
On XX/XX/year> I requested the company to delete the incorrect and inaccurate items on my credit report and the company denied my request The items below need to be deleted because they are inaccurate on my credit report according to the fair credit reporting act XXXX. XXXX ( Account Number : XXXX ) ** The balance is inaccurately reported as {$0.00}, even though the account remains charged off. Additionally, the high balance listed differs from other reports. 
XXXX. XXXX  XXXX ( Account Number : XXXX ) ** There are discrepancies in the balance owed and payment history when compared to other credit bureaus. The account was supposedly resolved, yet it is marked as charged off. 
XXXX. XXXX ( Account Number : XXXX ) ** There is a discrepancy between the last verified date and the reported balance owed, which conflicts with the closed status. 
XXXX. XXXX ( Account Number : XXXX ) ** The account shows a {$0.00} balance, despite being charged off, with no reflection of the debt being transferred. 
XXXX. XXXX XXXX ( Account Number : XXXX ) ** The account is noted as disputed but resolved, yet this status is not updated. 
XXXX. XXXX ( Account Number : XXXX ) ** The account reflects ongoing repossessions without clear resolution, despite being listed as closed.

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 2024-10-23 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX {$920.00} XXXX. XXXX credit acceptance {$20000.00} XXXX. XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  {$1200.00} XXXX. XXXX XXXX {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or 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 FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission 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 non-monetary relief
Consumer complaint received 2024-10-23 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX {$920.00} XXXX. XXXXXXXX XXXX XXXX {$20000.00} XXXX. XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or 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 FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
This company started contacting me i. XXXX  by email claiming I owe them a debt of {$880.00}. I have no knowledge of. I have disputes this account multiple times and it keeps reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX, I dont not have a contract with LVNV FUNDING LLC XXXX 
I recently received a copy of my credit report and found that they are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$650.00}. I requested verification and I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity bank charged off my account and sold it to XXXX XXXX XXXX  sometime in XXXX. I paid this account in full to the collection agency XXXX  XX/XX/XXXX. XXXX deleted it from my report as agreed. 3 YEARS LATER Comenity bank is still reporting this charge off to all XXXX credit bureaus illegally and will not remove it. I just spoke with a supervisor named XXXX XX/XX/XXXX XXXX XXXX who confirmed the account was charged off and sold. It should not still be reporting as they SOLD it and I paid the collection agency. I was also told they refuse to send me any documentation stating that it was sold to a collection agency. Ive disputed this several times through the years and Comenity keeps responding that the info is accurate. I dont dispute the account status of charged off. However once they sold it to the collection agency, Comenity Bank shouldve have removed their reporting from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
After reviewing my credit report, I am troubled to find a late payment notation, even though I have never made a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
After reviewing my credit report, I am troubled to find a late payment notation, even though I have never made a late payment.

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 2024-10-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Concora processed a payment of {$600.00} without my authorization, I called to find out why they processed the payment they told me that I called them to make a payment which not true. I spoke with a supervisor I explained the issue she told that she was going to check the call details to check from what number the call came from she told me she would call me today XX/XX/year> at XXXX I never received a call back today. I logged into my account and it says that I don't have access to the information. I consider this fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate in my credit report and under 15 US Code 1651e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my rights protected consumer rights to privacy and confidentially under 15 USC1681. 
XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. I have paid this account as agreed, in 2022 I had to file the overage on my taxes which penalized me and yet this is still reported on my credit report as a negative account. 
XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. Same for this account as listed above. I paid it and I had to file it on my 2022 taxes. 
XXXX, Acct # XXXX, has violated my rights. Same for this account as listed above. I had to file it on my taxed on 2XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. Same for this account. I paid it and had to file it on my taxes in XXXX XXXXXXXX XXXX, Acct # XXXX, has violated my rights. I have went to court XXXX times with this company and they were a no show three times, the court dismissed the case. The currently keep switching attorneys and is harassing me. 
It is against my rights to have to file credit cards as income on my taxes. XXXX XXXX, XXXX XXXX and XXXX sent me information to place on my taxes and I had to pay taxes that year as they counted this as income. That is ILLEGAL.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate in my credit report and under 15 US Code 1651e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my rights protected consumer rights to privacy and confidentially under 15 USC1681. 
XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. I have paid this account as agreed, in 2022 I had to file the overage on my taxes which penalized me and yet this is still reported on my credit report as a negative account. 
XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. Same for this account as listed above. I paid it and I had to file it on my 2022 taxes. 
XXXX, Acct # XXXX, has violated my rights. Same for this account as listed above. I had to file it on my taxed on 2022 XXXX XXXX, Acct # XXXX, has violated my rights. Same for this account. I paid it and had to file it on my taxes in 2022 XXXX XXXX, Acct # XXXX, has violated my rights. I have went to court three times with this company and they were a no show three times, the court dismissed the case. The currently keep switching attorneys and is harassing me. 
It is against my rights to have to file credit cards as income on my taxes. XXXX XXXX, XXXX XXXX and XXXX  sent me information to place on my taxes and I had to pay taxes that year as they counted this as income. That is ILLEGAL.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate in my credit report and under 15 US Code 1651e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my rights protected consumer rights to privacy and confidentially under 15 USC1681. 
XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. I have paid this account as agreed, in XXXX I had to file the overage on my taxes which penalized me and yet this is still reported on my credit report as a negative account. 
XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. Same for this account as listed above. I paid it and I had to file it on my XXXX  taxes. 
XXXX, Acct # XXXX, has violated my rights. Same for this account as listed above. I had to file it on my taxed on XXXX XXXX XXXX, Acct # XXXX, has violated my rights. Same for this account. I paid it and had to file it on my taxes in XXXX XXXXXXXX XXXX, Acct # XXXX, has violated my rights. I have went to court three times with this company and they were a no show three times, the court dismissed the case. The currently keep switching attorneys and is harassing me. 
It is against my rights to have to file credit cards as income on my taxes. XXXX XXXX, XXXX XXXX and XXXX sent me information to place on my taxes and I had to pay taxes that year as they counted this as income. That is ILLEGAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: MD

Complaint narrative:
I woke up to find unauthorized inquiries on my credit report, and I have no idea why they're there. I checked my report like I usually do, but this time, there were issues that came out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the inquiries didn't disappear. I'm incredibly frustrated and demand that the documents I've sent be reviewed immediately so I don't have to deal with this stress any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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