vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
ACCOUNT OPENED WITHOUT MY CONSENT OR KNOWLEDGE ALREADY TRIED TO DISPUTE UNDER CFPB Complaint Complaint ID : XXXX & XXXX PER CONSUMER PROTECTION LAWS THIS ACCOUNT NEEDS TO BE CLOSED AND REMOVED FROM ALL CREDIT AGENCIES. 

I HAVE FILED FTC Report Number : XXXX AND PER THIS REPORT THESE ACCOUNTS NEED TO BE CLOSED ASAP REFLEX AND VERVE

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 2024-05-13 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: Comerica
State: MA

Complaint narrative:
On XX/XX/XXXX, XXXX debited my Direct Express account for my son 's XXXX money without my authorization. Further added to the complaint was that at the time of the debits, the card was in a locked status. I called Direct Express immediately and reported these transactions as unauthorized. Direct Express then blocked the card and charged {$4.00} for a replacement card to be sent. 
Direct Express said that I would receive paperwork and temporary credits for the unauthorized transactions. I was provided with a reference number and an email address. Almost 2 weeks later, I had not received any paperwork from Direct Express so on XXXX I wrote them an email expressing my concerns and further expressing that these transactions were unauthorized. On XXXX, I also contacted them via telephone and was told that they had received the email and it was lucky because the deadline for the paperwork was XX/XX/XXXX. I was told that I would have to wait up to 45 days for any temporary credit and up to 90 days for any solution. 
On XX/XX/XXXX, Direct Express reversed the disputed transactions, which helped me a lot as this is for my severely XXXX child and provides life substaining equipment and nutrition. 
Upon checking on XX/XX/XXXX, Direct Express had redebited the money, rendering me overdrawn with them. I have been on hold with them for over an hour to attempt to get answers. 
Direct Express failed to protect government funds initially by allowing these transactions to go through when the card was locked. They then failed to provide the necessary paperwork and seem to have concluded an investigation without any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: UT

Complaint narrative:
On XX/XX/2024, did {$1500.00} on money orders ( XXXX checks ). Made them out to my husband. Same day he tried to cash them but they wouldnt go through. Went back the next day and same problem. We were told wed have to request a refund, so we did. Costing us {$30.00} ( {$15.00} per check ) to refund. Got new checks in the mail, still unable to cash them. Called the number to figure out the status on the check. A stopped payment was issued on the check the day after the date on the new checks. They sent a second round of new ones, we had the same problem. And again with a third round of checks. Its been over XXXX months. Every time we call they say everything is fine on their end but we still are unable to cash the checks. Twice now Ive spoken to a supervisor and was told theyd issue our money into a money transfer and another department is denying it and just wanting to send more checks. We need this money now to pay bills and Western union obviously doesnt want to give us our money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I mailed out a ftc report regarding XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Which explained the identity theft and account take overs to equifax XXXX and XXXX XXXXXXXX states that the information i mailed came from a 3rd party when it was I that mailed the documents with the written request to block those accounts. Equifax states they never received the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I mailed out a ftc report regarding XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Which explained the identity theft and account take overs to XXXX XXXX and experian. XXXX states that the information i mailed came from a 3rd party when it was I that mailed the documents with the written request to block those accounts. XXXX states they never received the 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 explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear XXXX, Experian, and XXXX, Its vital that we work together to underscore the importance of adhering to rules outlined under 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). These regulations clearly establish when a consumer reporting agency can furnish a report in connection to credit or insurance transactions that are not initiated by the consumer. 

The law states that reports related to such transactions can only be provided under specific circumstances : ( A ) The consumer explicitly authorizes the agency to provide the report. This authorization must reflect the consumer 's informed consent, underscoring the need for transparent communications. 

or ( B ) If the transaction comprises an unambiguous offer of credit or insurance, even without the initiation of the consumer. 

Further, it's critical to note that, with the only exception provided under section 1681g ( a ) ( 5 ), a reporting agency should never furnish a record of inquiries related to non-consumer initiated credit or insurance transactions. 

By holding firm to these legislated conditions, we ensure that consumers ' rights to privacy and control over their personal information are respected, and trust in our financial system is maintained. It's an essential responsibility, and together, we can ensure that these regulations are upheld for the benefit of all consumers. 

Thank you for your attention to this important matter. Please remove these inquiries below asap. Attached is an ID and statement for verification of myself. 

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

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-05-13 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: FL

Complaint narrative:
I was reviewing my consumer report and noticed some accounts that does not belong to me.

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 2024-05-13 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: FL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-13 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: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
Fifth-Third Bank ( XXXX XXXX XXXX OH XXXX XXXX ) report as I took an auto loan of XXXX but I never took a loan from this Bank. First I reached out XXXX and latter reached out the bank on XX/XX/year> and asked the bank this might be identity theft and they said they will investigate. I have been waiting for a month and the bank never get back to me. I tried to call them multiple times and they deny to give me any information. Rather they report to XXXX the information was accurate. I never took a loan from this bank and they never send me a letter or contacted me. All my loan are paid on time but due this bank report a loan that I didn't take my credit score goes from XXXX to XXXX. I would like to file complain on this bank because they report a loan that I didn't take and unwilling to help fix the problem. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
ACCOUNT OPENED WITHOUT MY CONSENT OR KNOWLEDGE ALREADY TRIED TO DISPUTE UNDER CFPB Complaint Complaint ID : XXXXXXXX XXXX XXXXXXXX PER CONSUMER PROTECTION LAWS THIS ACCOUNT NEEDS TO BE CLOSED AND REMOVED FROM ALL CREDIT AGENCIES. I HAVE FILED FTC Report Number : XXXX AND PER THIS REPORT THESE ACCOUNTS NEED TO BE CLOSED ASAP REFLEX AND VERVE

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 2024-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We have been struggling to pay our mortgage on our primary home because of the following issues : - Interest rate jumped by 5 % without adequate notice - Loss of incomes of both borrowers due to loss of employment of husband and loss of business income of wife - death in the family causing unplanned heavy expenditure The loan # is : XXXX Complaints : 1 ) We have worked with BMO loss mitigation for several months. Their process is very very laborious and set to intimidate an average borrower. They made us submit over 200 documents and many times revisions of the same documents. An average borrower would have quit easily giving way the home to BMO. 

2 ) BMO has adversely impacted the credit beginning of every month despite us being in approved forbearance plan and then working towards new trial plan. Please see attached several appeals to correct credit. Most recent one is in XX/XX/2024. 

3 ) BMO offered us a trial payment plan - but the payment amount offered us no relief. The monthly payments include escrow amounts that we have never paid before. We appealed the payment plan ( which is attached ) but was denied the appeal. 

4 ) BMO sent us expired documents to sign on XX/XX/2024- which were supposed to be returned by XX/XX/XXXX! Those are attached. 

5 ) We have dealt with following individuals from BMO : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called us and advised us NOT to email everyone and that trial plan was effective XX/XX/XXXX but BMO has STILL NOT SENT UPDATED documents. 

6 ) XXXX XXXX advised us NOT to send email to her even though she first contacted us from BMO loss mitigation in XX/XX/2024. It is very confusing who to contact in BMO and sounds like a one-way street. 

7 ) Our equity in the home is higher than BMO based on market values, but BMO has been XXXX bent on ruining our peace of mind in a difficult situation. 

Overall, BMO loss mitigation is VERY UNHELPFUL- it is intent on damaging our credit and not at all helpful in resolving the hardship even in the face of job and income loss and death in the family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm writing to request that my consumer report for XXXX and this month and my consumer file be sent to myemailaddress XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: I.C. System, Inc.
State: MS

Complaint narrative:
Improper use of credit

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 2024-05-13 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In XXXX, I noticed several fraudulent inaccuracies on my account. I then filed an identity theft report and sent all the supporting information to the company. The inaccurate, fraudulent information is hurting my ability to obtain new credit and affecting my ability to retain current credit lines. My credit score has decreased significantly. It is my understanding that you must investigate the items to ensure accurate and proper reporting. 
I requested another investigation and the immediate removal of the fraudulent Santander Consumer USA account listed under my social. 
The company could not have possibly conducted a proper investigation. The Santander Consumer USA account under my social security number does not even match my name on my social security card. I have only owned ONE vehicle in my entire life and I have the title, which I also provided to the company. That car was also NEVER, at ANY time, financed through Santander and paid off over 4 years ago. 
I am requesting a real and THOROUGH investigation! 
Begin with the NAME PROVIDED! It is NOT my name! I have never had insurance or anything tying me to this fraudulent account/vehicle. I can provide proof of insurance on MY TITLED vehicle from the day I purchased it to today 's date. I am not even a resident of the state that vehicle was allegedly purchased in. 
I am demanding an IMMEDIATE deletion!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : 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

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 2024-05-13 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: TX

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief