vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: TX

Complaint narrative:
My Total card account ending in XXXX, was charged a {$41.00} late fee and interest adjustment on XXXX. I was not late on my payment because I paid {$80.00} on XXXX. This company is always trying to added bogus charges to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
" " XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$200.00} '' ''. 
" '' XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} '' '' " '' XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX  XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$190.00} '' '' I was contacted by a BMO banker from the XXXX XXXX  office who advised that BMO mistakenly debited my account on ( XXXX ) different transactions totaling {$5800.00}. She advised that BMO had bought another bank with duplicate account numbers. That is my BMO account number, and the other bank client with the same account number. The banking client with my account number never updated their new account number with the IRS, XXXX  XXXX, and XXXX XXXX XXXX ; thus, the money was taken from my account. BMO credited back ( XXXX ) of the debits totaling {$4800.00} on XX/XX/XXXX but has yet to credit the ( 3 ) remaining debits totaling {$970.00} as of XX/XX/XXXX. I again spoke to ( 2 ) BMO representatives from their resolution team today, but they had no information on the ( 3 ) remaining items below. To add context to locations, XXXX, XXXX, is ( XXXX ) miles from where I live. I have not been able to confirm whether or not the other bank client has updated their banking information with XXXX XXXX XXXX in their tax software, so now I have to change my bank account. Which BMO bank should have done from day one! 

BELOW ARE THE ( 3 ) TRANSACTION BMO HAS NOT YET CREDITED XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX SALE {$190.00} ( the tax preparer for the other bank client in XXXXXXXX XXXX XXXX XXXX XXXX 

" '' XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pay {$580.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

" '' XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXv pay {$200.00} ( 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 explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kramer & Frank, P.C.
State: IL

Complaint narrative:
I RECEIVED A LETTER IN THE MAIL AROUND XXXX THE XXXX OF XXXX AND THE LETTER INDICATED I OWED A BILL FROM XXXX AND TO SEE PAGE THREE FOR THE COURT DATE. 

THERE WAS NO RECORD OF PAGE THREE AND IT WAS NOT ATTACHED SO I THOUGHT IT WAS JUST A ATTEMPT TO COLLECT A BILL AND NOT A REAL OR LEGITIMATE PIECE OF MAIL. 

THEN ON XXXX I RECEIVED A LETTER FROM XXXXXXXX XXXX TO FREEZE MY SAVINGS ACCT SO NOW MY ACCOUNT IS NOW RESTRICTED UNTIL FURTHER NOTICE. 

I APPARENTLY HAD A BILL IN THE PAST THAT IM NOT AWARE OF BACK IN XXXX AND KRAMER AND FRANK PC IS TRYING TO COLLECT ON IT. IF THEIR WAS EVER A BILL AT THAT TIME THE STATUTE OF LIMITATIONS WOULD BE UP ON IT RIGHT NOW. 

I HAVE BEEN ON XXXX EVER SINCE XXXX AND I AM CURRENTLY XXXX  FROM END STAGE XXXX FAILURE AND PLAN TO FIGHT THIS. IVE ALSO ATTEMPTED TO CALL KRAMER AND FRANK SEVERAL TIMES AND I GET NO ANSWER. 

I BELIEVE THEIR AN UNETHICAL COMPANY AND THEY ARE INTENTIONALLY LEAVING PAPER WORK OUT SUCH AS COURT DATES TO TRAP PEOPLE LIKE MY SELF. 


KRAMER AND FRANK PC XXXX I SUPPOSEDLY OWE XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
This is not my debt. I did not sign any paperwork agreeing to this debt. There is a co-signer listed on the debt that is now deceased. In XX/XX/XXXX I received a court summons and called the company to find about the debt and requested more information. I was unable to even find out what the debt was for. They told me, via recorded phone call, they would stop all collections immediately. A week later they had a judgement against me. It was only after this date that they sent paperwork. This violates debt collection law. Additionally, this debt, that was not mine to begin with, originated in XXXX in Kansas. I live in Michigan. This is past the 6 year statue of limitations either way. I also have documentation from the lender that shows a balance of XXXX as of XX/XX/XXXX so their own documentation establishes that this debt has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been getting letters from stores requesting me to verify information from new card accounts I have never applied for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: TX

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

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 15 U.S.C 1681 section 602 A. States 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I was on a cruise that stopped in the XXXX XXXX. I did not use or take my debit card off of the ship, except on XX/XX/XXXX in XXXX, XXXX. We had an excursion planned at XXXX XXXX XXXX XXXX XXXX, which required transportation via taxi. I withdrew cash on the ship, but it was only in denominations of {$50.00}, so when we arrived in the XXXX XXXX, I saw an ATM hoping to get smaller denominations for the taxi driver. When I put my card in and entered my pin, it also only offered denominations of {$50.00}, so I canceled the transaction and tried to remove my card. It would not come out, so we tried to pull and wiggle it around. A woman from the shop right next to the ATM came out and appeared to push something on the back of the ATM and my card was released. 
We then took the taxi to XXXX XXXX for most of the day. I did not make any purchases with my debit card while there. I purchased a picture for {$30.00} with cash. We took a taxi back and also paid cash. 
When we returned to the port, I purchased a stuffed animal for ~ {$15.00} in cash, a dress for {$50.00} ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) using my debit card, and a woven bracelet for {$10.00} in cash. 
We then boarded the ship and returned to the XXXX on XX/XX/XXXX. 
The fraudulent charge is for a vendor named XXXX. A quick XXXX search shows this is a kids sports complex in XXXX XXXX, which is a XXXX XXXX XXXX from XXXX. 
When I initially made this fraudulent claim, I was unsure of what could have possible been charged to my card for this much. I thought that I possibly used my card and they charged me more than agreed. After discussing with the other people with me that day, we were able to piece together what was purchased and with what method of payment. I also looked up the vendor and realized there is no way I would have made this purchase, even under false pretenses. I do not understand how USAA could not come to the same conclusion. 
I am not in a position to lose almost {$1900.00}. This cruise was a gift for our entire family from my dad- I would not have been able to afford to go on it otherwise. When I called to find out why my claim was denied, there was no real answer. I am kindly requesting the research that was done that concluded this charge was valid. I would also like to open back up the dispute for further investigation. 
Update- it has been 4 days and I have not received the documentation and the provisional claim is set to withdraw from my account in 2 days.

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 2024-08-12 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: IL

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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:
Dear [ Agency 's Name or Representative ], Subject : Dispute Regarding Fraudulent Accounts and FCRA Compliance I am writing to formally dispute the inclusion of several accounts on my credit report, which I believe to be fraudulent. Despite my previous attempts to resolve this matter, the accounts listed below have not been appropriately addressed, in violation of the Fair Credit Reporting Act ( FCRA ) : - XXXX XXXX XXXXXXXX - XXXX According to the FCRA, credit reporting agencies are required to verify accounts by obtaining a valid signature and multiple forms of identification. To date, these accounts have failed to present the necessary documentation to substantiate their legitimacy. 

As a consumer, I have the right to expect that the information on my credit report is accurate and verifiable. The automatic validation of these accounts without proper verification is a clear violation of FCRA guidelines. 

I kindly request that you thoroughly investigate these accounts and remove them from my credit report if they can not be verified according to the standards set forth by the FCRA. Please provide me with a written confirmation of the actions taken regarding this matter. 

Thank you for your prompt attention to this issue. I look forward to your swift resolution. 

Sincerely, 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 2024-08-12 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 2024-08-12 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have attempted 5 times to request a copy of Dispute Investigation Results from TransUnion. 

- Over chat in XX/XX/XXXX to get a copy of this letter- was told they only send over mail. Nothing ever showed up. 
- Again in XX/XX/XXXX, over phone call - I was told the copy of the letter would be mailed. A week later, a copy of my credit report showed up, NOT the results letter I requested. I needed this for a mortgage application. 
- Again in XX/XX/XXXX, over chat - I was about to move and I requested that it be sent to a new address. My credit profile was updated with this new address, but nothing ever was mailed to me. 
- Again in XX/XX/XXXX, chat- I had already moved but I ended up needing to stay at a different address than anticipated due to an airbnb host cancelling and requested a copy of the letter to my husband 's workplace. A week and a half later, another copy of my credit report showed up, but NOT the letter I requested. 
- XX/XX/XXXX, I made a phone call - the TransUnion rep stated that the company already sent me a letter in XX/XX/XXXX with the results. I attempted to clarify that I needed a copy of the same letter that was already sent, and the rep got extremely agitated and rude towards me and said that they don't do that. I requested to escalate the request. 3 days later, I got a phone call from another rep who attempted to fulfill my request but then placed me on hold for 20+ minutes after I failed to verify with unclear verification questions. I hung up. 

Overall, their failure to provide me a copy of this letter caused 3+ weeks of delay in mortgage underwriting, and remains an issue, as I have no way to prove that TransUnion previously deleted an 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 non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M REQUESTING FOR THE ORIGINAL COPY OF THE AGREEMENT & TERMS & CONDITION. FAILURE TO COMPLY WILL FORFEIT YOUR CLAIMS AND WILL REQUIRE YOU TO DELETE ALL THE LIST OF ITEMS ABOVE. YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANSACTIONS FROM BEING REPORTED TO MY CONSUMER REPORT WITHIN 4 BUSINESS DAYS FROM THE DATE OF RECEIPT OF THIS NOTICE.

THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M REQUESTING FOR THE ORIGINAL COPY OF THE AGREEMENT & TERMS & CONDITION. FAILURE TO COMPLY WILL FORFEIT YOUR CLAIMS AND WILL REQUIRE YOU TO DELETE ALL THE LIST OF ITEMS ABOVE. YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANSACTIONS FROM BEING REPORTED TO MY CONSUMER REPORT WITHIN 4 BUSINESS DAYS FROM THE DATE OF RECEIPT OF THIS NOTICE. 
THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  ) : ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) a court order. d ) employment. I recently pulled a copy of my credit report and noticed inquires that I did not authorize and do not fit A, B, C, or D above. I also sent an FTC report 30 days ago. Remove the following inquiries : XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX EXPERIAN, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX EXPERIAN, XXXX XXXX XX/XX/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