vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I have been a customer at BMO Harris Bank, XXXX XXXX XXXX XXXX XXXX, Wisconsin since XXXX. I have never encountered any problems until last year XX/XX/XXXX, when a frauder erased a check I made and mailed to XXXX XXXX XXXX for {$100.00}. The frauder erased, revised and made the check out to a XXXX XXXX for {$6700.00}. They had no problems cashing an erased check. The bank seem to have big problems replacing my money. My money was insured. I have talk to someone in customer service, someone in the fraud department and the bank managers at BMO Harris. The bank manager, XXXX XXXX, extremely hard to contact, has not been very helpful. I completed and submitted the paperwork requested of me, notorized with a picture of the carbon of the original check. The only check attached to my online banking statement was the erased check. When I did eventually talk to XXXX, she would always tell me she would call me back ; however, she called back one time out of the many times she agreed to call back. XXXX did tell me that I would receive my money in 180 days. It has been a year and I still have not received my money. I have never received any correspondence from the bank, no phone call, letter, text, nor email. 
I called BMO Harris corporate and was given an email address to inquire about the status and resolution of my claim, no response from my email. I talk to XXXX the first time I call cooperate, who was very helpful. She did tell me it usually takes 45 days to resolve these type of claims. No one was able to give me any information on my case. Its been a year and I still dont know the status. I called corporate a second time, talk to XXXX who had a hard time locating my case. She told me my case was going to take longer b/c of the amount of money that was taken from me, but she couldnt tell me how long. I told her the bank manager was still of no assistance. She gave me the name XXXX XXXX, the other bank XXXX at the same branch. He has not been helpful either. He does the same thing, tells me he will call me back and never does. I feel like someone who work for the bank erased and rewrote my check XXXX XXXX XXXX XXXX was not paid with the check. They paid XXXXXXXX XXXX XXXX from my debit card without my permission. I have been more than patient and tolerant. This situation is now affecting my XXXX. I just want my money. I pray you can be of some assistance before I have to go further. 

Sincerely,

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Many of my accounts on the 3 credit agencies have severe inaccuracies. 

Many accounts show do for many months which is inaccurate and must have the account 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 2024-09-28 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 would appreciate your support regarding this misleading account shown on my credit report. This situation has adversely impacted my reputation, and I need your assistance. Your failure to manage my credit report correctly has caused considerable harm to my reputation. It is crucial that you take steps to remove this incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$59000.00}

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 2024-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, my I phone was pickpocketed on the bus then the theft got into my chase online bank and made two transactions that were {$100.00} and {$1900.00} by XXXX. I have a police report and contacted XXXX they said Chase Bank have to handle the case. Contacted Chase with the police report requested why they denied my return of my money. They said that I authorized the XXXX payment which at the time my phone was disconnected. The phone was hacked. Got into my account in my Husband account and transferred money to another country. I contacted Chase multiple times on this, letting him know that it was not me that made the XXXX transaction chase bank did not be twice. And I sent them the police report. I have the information of the detective who handed the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is really worrying, it has kept me up many nights due to anxiety wondering how this could have happened. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized or applied to them. I have contacted Experian and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-09-28 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: GA

Complaint narrative:
Equifax is currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the XXXX XXXX of Georgia stated that they did not provide information to Equifax and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: MD

Complaint narrative:
I am filing this complaint regarding a credit reporting issue involving inaccurate and unverifiable information on my credit reports maintained by Equifax, XXXX, and XXXX. Despite my repeated attempts to dispute the validity of the account, the reporting entities have failed to provide proof of a contract or agreement that allegedly binds me to this debt.

1. Lack of Proof of Contract : I have sent multiple written notices of debt dispute to both the creditor/collection agency and the credit bureaus requesting proof of the original contract or signed agreement. However, neither the creditor nor the credit bureaus have provided any verifiable documentation to substantiate this accounts legitimacy. This failure to provide the requested information constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable.

2. Inconsistencies Across Credit Bureaus : In addition to the lack of verification, the information reported by Equifax, XXXX, and XXXX is inconsistent. The account details, including balances, dates, and statuses, vary significantly between the XXXX bureaus. This inconsistency further indicates that the information is inherently inaccurate, violating the FCRAs accuracy and completeness requirements. 

XXXX. Inadequate Investigation by Credit Bureaus : When I initially disputed this account, the credit bureaus responded by stating that the information was " verified as accurate. '' However, they failed to provide any documentation or specific explanation to substantiate their findings. This inadequate investigation does not satisfy the FCRAs standards for resolving consumer disputes. 

See Also previous Disputes : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: MD

Complaint narrative:
I am filing this complaint regarding a credit reporting issue involving inaccurate and unverifiable information on my credit reports maintained by XXXX, Experian, and XXXX. Despite my repeated attempts to dispute the validity of the account, the reporting entities have failed to provide proof of a contract or agreement that allegedly binds me to this debt.

1. Lack of Proof of Contract : I have sent multiple written notices of debt dispute to both the creditor/collection agency and the credit bureaus requesting proof of the original contract or signed agreement. However, neither the creditor nor the credit bureaus have provided any verifiable documentation to substantiate this accounts legitimacy. This failure to provide the requested information constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable.

2. Inconsistencies Across Credit Bureaus : In addition to the lack of verification, the information reported by XXXX, Experian, and XXXX is inconsistent. The account details, including balances, dates, and statuses, vary significantly between the three bureaus. This inconsistency further indicates that the information is inherently inaccurate, violating the FCRAs accuracy and completeness requirements.

3. Inadequate Investigation by Credit Bureaus : When I initially disputed this account, the credit bureaus responded by stating that the information was " verified as accurate. '' However, they failed to provide any documentation or specific explanation to substantiate their findings. This inadequate investigation does not satisfy the FCRAs standards for resolving consumer disputes. 

See Also previous Disputes : 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 explanation
Consumer complaint received 2024-09-28 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: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : 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 2024-09-28 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: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : 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 2024-09-28 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: NC

Complaint narrative:
XXXX XXXXXXXX XXXX  account dont belong to me I have ftc report also police report and even paid the balance off its still on my XXXX credit reports please remove immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I spoke to this company in 2022 and told them this debt was fraudulent they simply told me the longer it stays on reports the more I will owe regardless of who it belongs to and it will increase to $ XXXX {$300.00} each month and it has each month. This practice of a collector intentionally increasing a bill each month, which is considered illegal, is often referred to as " debt stacking '' and is generally prohibited under the Fair Debt Collection Practices Act ( FDCPA ) as it constitutes an abusive and deceptive collection tactic. '' and I demand it blocked/removed on all three credit reports but particularly XXXX. 
also, place on my record to this : Failure to respond satisfactorily could result in small claims action against your reporting agency I will be seeking damages but not limited to each violation I have noted a statutory cost of {$1000.00} per 15 U.S. Code 1692k violation :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is really concerning as applications were done in my name without my knowledge and consent, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-09-28 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: AZ

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 debt bondage, which falls under trafficking according to XXXX-Debt 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 of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$980.00} XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX {$930.00} XXXX. XXXX XX/XX/XXXX {$760.00} XXXX. XXXX XXXX XX/XX/XXXX {$580.00} XXXX. XXXX XX/XX/XXXX {$2600.00} XXXX. XXXXXXXX XXXX XXXXXXXX XX/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 2024-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I was told that its No Auto loan in my name at 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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX I wrote to the company : My information may have been impacted by the XXXX Data Breach and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2024-09-28 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: OH

Complaint narrative:
Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX I wrote to the company : My information may have been impacted by the Equifax Data Breach and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: CA

Complaint narrative:
During the Pandemic I had several lates on my XXXX XXXX XXXX XXXX. Although such lates were supposed to be overlooked by creditors XXXX XXXX failed to do so. This account has been paid in its entirety and at this point I am asking that all remaining lates be removed or either this account be removed in its entirety. I have been falsely told accounts can not be removed when in fact XXXX XXXX is not reporting this negative information to all Bureaus. 

I am asking that this account stop reporting to Experian as soon as possible. 
XXXX XXXX XXXX XXXX Closed Closed on XX/XX/year> Balance {$0.00} XXXX. {$40000.00} Experian Only Status Paid Experian Only

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