vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMO BANK NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am writing to file a formal complaint against BMO HARRYS BANK regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. On XX/XX/year>, I submitted a complaint requesting that BMO HARRYS BANK remove their reporting to XXXX XXXX which has errors and incorrect information about me that is preventing me from opening a new bank account, but my request was mostly ignored. They provided a number to call to discuss the matter but my calls and voicemails were never answered. I'm requesting that BMO HARRYS BANK rectify the information that they are reporting to XXXX XXXX or remove their reporting. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. On XX/XX/year>, I notified BMO HARRYS BANK that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. I provided this opt-out notice in accordance with the legal requirements outlined in XXXX XXXX XXXX XXXX and I have retained documentation of my communication with BMO HARRYS BANK. Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that BMO HARRYS BANK has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that BMO HARRYS BANK complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumers like me. Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations.

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 2024-05-05 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: IL

Complaint narrative:
I recently checked my Experian credit report and seen 19 unrecognized inquiries. 
I dont know these companies or I havent done business with these companies for it to be inquiries reporting on my credit profile. 

Names of unrecognizable inquiries with dates below : XXXXXXXX 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

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 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was receiving XXXX XXXX services from XXXX XXXX and they billed my debit card 7 times for a copayment. XXXX XXXX XXXXXXXX states that if I have a XXXX XXXX XXXX  there is no copayment because they cover the entire visit. Due to this I contacted U S Bank to complain and they sent me 7 forms to fill out that were all the same due to XXXX XXXX collecting {$25.00} 7 different times, total {$170.00}. 
I am XXXX XXXX and thought I filled out these forms the best to my ability but somehow I am now being denied my money that was fraudulently taken from my account using the debit card from U S Bank.

Originally I didnt realize they werent supposed to take this copayment until I contacted XXXX XXXX 
Please help me get my money back. 
XXXX XXXX sent billing to XXXX under the name of XXXX XXXX because she is the owner.

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 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank account accessed 3 times and withdrawals made by unauthorized user using 3 different debit cards.. Bank denied all three claims.

First fraudulent transaction occurred XX/XX/year> in XXXX XXXX NV for approximately $ XXXX using debit card. Debit card was in my possession at that time in XXXX XXXX CA after claim denied further documentation sent to bank with proof of location on date from employer. Card was closed and new card sent and received. 
Second transactions occurred on XX/XX/XXXX in Florida for approximately {$500.00} using new card in my possession in California. Claim started and denied. Card closed and new card sent but not received. 
Third transaction occurred on XX/XX/XXXX for {$120.00} in Florida. Reported to bank and informed that new card was used which I had not received- they claimed had been activated so claims denied.

Requested Customer service to investigate problem as these were 3 events with three separate cards in other states to my location. No communication from bank as to their progress received and every time I call nothing resolved. During this time I have been overdrawn and charged additional fees.

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

Complaint narrative:
This consumer reporting agency is in clear violation of the law. I obtained a copy of my Equifax Report and noticed the following data furnished that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). The information included in my dispute notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) on ( XX/XX/24 ) was furnished without written authorization from me or permissible purpose pursuant to 15USC1681 ( B ). This agency is also in violation of 15USC1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) for allowing the following person ( s ) included in my notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) to obtain my Equifax Report without my written authorization and permissible purpose under the FCRA and its guidelines which is a direct result of IDENTITY THEFT pursuant to 18USC1028 ( A ). According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer Equifax must remove these unauthorized inquires listed in my notice. It this consumer reporting agencys obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report pursuant to 15USC1681 ( e ). 15 USC 1681 ( 2 ) ( a ) ( i ) states my transactions or experience as a consumer to any person are excluded from my consumer report. If transactions are not included in my consumer report, why are there late transactions? This information included in my notice sent must be promptly removed from my consumer report according to 15USC 1681a ( 5 ) and I shall be notified with the details of your investigation pursuant to 15USC 1681i ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Had total car lost insurance payed by XXXX The account show in credit report XXXX closed. I was supposed to receive XXXX only got XXXX . Day collected XXXX XXXX XXXX and XXXX the payments and put me in collections.and my score from XXXX went down XXXX points called credit report did dispute bit they dont go back and see the other credit report. I do have them Each month changes but still says collections and disabled and cant by because the interest will be high. O will provide all info in documents if needed

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

Complaint narrative:
This consumer reporting agency is in clear violation of the law. I obtained a copy of my Experian Report and noticed the following data furnished that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). The information included in my dispute notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) on ( XX/XX/year> ) was furnished without written authorization from me or permissible purpose pursuant to 15USC1681 ( B ). It this consumer reporting agencys obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report pursuant to 15USC1681 ( e ). 15 USC 1681 ( 2 ) ( a ) ( i ) states my transactions or experience as a consumer to any person are excluded from my consumer report. This information included in my notice sent must be promptly removed from my consumer report according to 15USC 1681a ( 5 ) and I shall be notified with the details of your investigation pursuant to 15USC 1681i ( 7 ).

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 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I applied for a Bank of America Small Business credit card and was denied. Regardless of the reason for denial, I have the right to credit. Withholding access to my securities is securities fraud. These are violations of the FCRA and the XXXX. Also in violation of 15 usc 1691c adverse action against a consumer is against the law and civilly liable according to 15 usc 1692 ( k ) On XX/XX/XXXX certified mail was sent to them notifying them of their violation. XXXX XXXX has been the contact multiple times but refuses to return messages or remedy the violations of Bank of America. 
Civil proceeding will follow if extended past the 15 days regulated by the consumer finance protection bureau.

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 2024-05-05 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: TN

Complaint narrative:
delete hard inquiries 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.

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY. 

15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) 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. 

DELETE THE ACCOUNST BELOW

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 2024-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mutual Management Services LLC
State: TN

Complaint narrative:
Today I noticed a collection on all three credit reporting agencies ( XXXX, XXXX, and XXXX ). I was not aware that I owed this debt. I was not notified of this debt. The Consumer Financial Bureau ( CFPB ) states, " debt collectors should follow certain steps before reporting a debt to a credit reporting company. These steps include : ( 1 ) Speaking with you in person or by phone ( 2 ) Following the rules about how to contact you ( 3 ) Mailing a letter or sending an electronic communication about the debt ( 4 ) Waiting at least 14 consecutive days to see if a notice of undeliverability comes back '' However, I was not notified in any of the ways of the debt. Instead, this company took it upon itself to place this on my credit report without giving me a chance to verify the debt or notifying me. 

I never received a phone call or an email. My email often changes due to security and storage purposes. I also have never spoken to them by phone. I have also never received a piece of mail ever... I have never seen or spoken to them in person. 

I am completely disgusted at how collection agencies can ruin someone's life and post fraudulent stuff on someone's credit report and get away with it. I want this derogatory remark removed from every credit reporting agency immediately or legal actions will be taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I did not authorize these companies to run my credit. I want these inquiries deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity Capital Big Lots Comenity Capital XXXX Comenity Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

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

Complaint narrative:
I took out a loan with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, CA XXXX, LOAN XXXX, Original amount {$3900.00}. Today, I discovered they pulled my credit report and the initial offer via XXXX said they would not be pulling my credit. When I attempted to resolve, their service agents are not in the US, and I experienced language barrier issues, and an inability to assist. I feel the company is a scam, and pulled my credit to share my information illegally and drive my score lower. I would like the inquiry reversed and this company investigated for their sales practices.

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 2024-05-05 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: SC

Complaint narrative:
XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 USC 1666b clearly states that no creditor can mark any payments as late for any reason.

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

Complaint narrative:
There was a vehicle taken out in my name by identity theft The company name is XXXX XXXX have sent a police report of the incident and also a FTC report I told XXXX I was a victim of identity theft.. I have reached out to the credit bureau furnishing this inaccurate information and ask them to provide me what evidence was used to verify this account to stay in my report and they DO NOT WANT TO PROVIDE IT WHICH IS ILLEGALThe credit agency is Experian.

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 2024-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
opened XX/XX/2023 amount is XXXX Im Unaware of this debt that was placed on my transunion credit report this information was dispute/closed and diversified adjustment services proceeded to then placed another debt collections on my credit file when this information is in fact fraud. If in fact you believe you gave me proper notification then please send me the certified receipt with my signature on it.

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 2024-05-05 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: NJ

Complaint narrative:
XXXX Please be advised, per my conversation with XXXX XXXX customer service supervisor, XXXX ( XXXX ), and customer service supervisor XXXX XXXX XXXX ) that there is no further recourse of action that can be taken for TransUnion not reporting either credit cards on the consumer credit reports, when the consumer 's information was verified and sent to TransUnion to update credit reports with each account number respectively. The supervisor stated she will notate the account and was advised to contact TransUnion. I spoke with TransUnion customer service rep, XXXX XXXX, and was advised that the accounts in question can not be disputed because it is not reflected or reported by the creditor for previous dispute # XXXX. I was advised to contact XXXX XXXX for further assistance. I requested to escalate the file and was given case # XXXX. 

The following accounts are not reporting to my TransUnion credit report : XXXX XXXX XXXX XXXX  ( Authorized User ) - Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened : XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Additionally, according to the FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V, generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

As stated by my TransUnion credit report, most of my XXXX XXXX XXXX credit cards and co-branded cards are reporting, except for the above accounts mentioned. Please review and update my TransUnion credit report with each credit card information accurately.

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 2024-05-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I spoke to customer service at XXXX XXXX about the alleged late payment reported on my consumer report on XX/XX/XXXX. XXXX XXXX failed to verify the account number for the referenced account. They also mentioned that the account they do have on file shows no late payments. XXXX, XXXX, and Equifax is reporting false information and continues to report updated and verified accurate information. This isnt the first time that XXXX, XXXX, and Equifax have violated my rights protected be the FCRA guidelines. 

On XX/XX/XXXX I spoke with customer service at XXXX XXXX I informed them of their violations in reporting late payments without my written permission and about their responsibility to notify consumers 21days before furnishing any information to the credit reporting agencies. I asked why and how they verified information to XXXX, XXXX, and Equifax. They replied saying they have not reported any information to XXXX, XXXX, and Equifax. 

XXXX, XXXX, and Equifax were all notified about this dispute on XX/XX/XXXX and failed to respond within the 30 days regulated by the FCRA. 

I demand immediate remedy for these infractions, no extensions beyond the 15 days set forth by the consumer finance protection bureau will be given or tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a account from XXXX XXXXXX/XX/XXXX that was supposed to be removed from my credit report. The account was official closed/ charged off in XX/XX/2017. I have contacted Equifax to resolve this issue but its still showing negative on my credit report.

Company response to consumer: Closed with explanation