vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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:
XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just received my credit report, To my Surprice, you are reporting this account incorrectly. This collection account is not only reporting as UNPAID, but also shows a past due balance of {$150.00}. According to the FCRA, I have the right to an accurate credit report .Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion

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 2024-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On XX/XX/24 I received an email from the BMO Alto informing me that my account was updated to delete account freeze. When I attempted to log in, the account was indeed unfrozen. I then requested all my funds to be transferred to my XXXX checking account choosing the " Now '' button for the timing of the transfer. I understand the " Now '' button to mean the next business day. I have had this issue before. Today, on XX/XX/24, I looked for the transaction to have gone through hoping to see my funds in my XXXX checking account. The money was not there so I called BMO Alto to inquire and they told me the account was frozen. I told I got an email saying it was no longer frozen. To this they responded that I should call their fraud department. When I spoke with them, they said the account was no longer frozen. 
I told them my transfer didn't go through and they said it should go through but they had no idea when. This is my third complaint about this company. All I want to do is be rid of them.

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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX XXXX, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of 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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Your agency is in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). The account XXXX XXXX XXXX XXXX was deleted, and you reinserted it without notifying me 5 business days after and certifying that the item was validated properly. I demand you to delete this item from my credit file or I will seek litigation. Please reference CFPB complaint XXXX for the initial reason for the dispute of account. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

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 2024-05-22 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:
Your agency is in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). The account XXXX XXXX XXXX XXXX was deleted, and you reinserted it without notifying me 5 business days after and certifying that the item was validated properly. I demand you to delete this item from my credit file or I will seek litigation. Please reference CFPB complaint XXXX for the initial reason for the dispute of account. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
on XXXX XXXX  2024, i realize that some get a credit card using my name, i got in contact with the CITI BANK, i told them that a didnt ask for that card and that i never had that card in my hands. Someone use my information to get it. the CITI BANK people told me that the case was on investigation and today XX/XX/XXXX i call because i receive an alert from XXXX ( i submit to them since this situacion happen ) the alert says something about CITIBANK, so i called them and they said that my case was denied!!! how come, It cant be possible, i can not pay for something i that i didnt spend. 
i was ready to buy a house and now my credit score its tottaly a mess I really dont know what to do, please i need your help.

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 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 explanation
Consumer complaint received 2024-05-22 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: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 explanation
Consumer complaint received 2024-05-22 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: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
I had a credit card from the company Prosper over 3 years ago which was paid and closed with no balance. 
I have been a current victim of identity theft for the last several months and just received a letter from this company Prosper claiming I have an outstanding balance of {$910.00} and that it has been charged off and sent to collections. 
The card I did have with them had a credit limit of {$500.00} and as I previously have said, it was paid in full and closed. 
This one I am sending a complaint about is not mine it has been either reopened or another card with the same company was opened fraudulently without my consent and knowledge and used. 

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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: MI

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-05-22 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: Block, Inc.
State: NY

Complaint narrative:
I request a dispute with Cash App they denied it I report it on app and only send me a email of denial I submitted XXXX dispute due to my XXXX XXXX reverse the credit of XXXX. Cash app didn't look into it I told them I didn't authorized this transaction and my money was put to XXXX and cashapp doesn't want to refund and my bank took the XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: IN

Complaint narrative:
I have an Optum Bank XXXX  Savings Account. Optum and XXXX XXXX have a program where Optum XXXX account holders can open a linked XXXX XXXX Savings Brokerage Account ( HSBA ) to invest XXXX funds. I enrolled in the program and had over XXXX  XXXX invested at XXXX until I needed to withdraw funds on XX/XX/year>. I sold all securities in the XXXX XXXX on XX/XX/year> to enable the withdrawal. When trying to initiate the transfer of funds from my XXXX XXXX to my Optum HSA I noticed Optum had an incorrect value displayed for my XXXX XXXX of only XXXX XXXX. When trying to complete the withdrawal for the full XXXX XXXXXXXX, Optum rejects my requests with a message that I can only transfer $ XXXX. On XX/XX/year> at XXXX I called Optum 's XXXX XXXX and made them aware of the issue ( call reference # XXXX ). The representative clearly understood the issue and assured me she had escalated it and I would receive a response from the escalation team within XXXX. She confirmed my correct contact info. XXXX hours passed with no response. I called Optum again XX/XX/year> in the afternoon. They had no update but assured me the issue with escalated and I would hear back soon. This has repeated everyday including today ( XX/XX/year> ). I also called XXXX, but they claim that all XXXX transfers must be initiated through Optum. No progress appears to have been made. I simply need the XXXX XXXX of my money Optum is not releasing. On every one of my 6 customer service calls with Optum I have stressed the urgency of needing these funds. They are not taking the issue seriously. The freezing of my funds has caused me financial harm and taken a significant amount of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliance One, Inc.
State: CA

Complaint narrative:
In XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX The court imposed a {$500.00} fine and {$3800.00} court cost. The Clerk of the Court turned the debt over to the XXXX XXXX XXXX who added 25 % to the debt ( XXXX ). I filed a Motion to Proceed In XXXX XXXX - - a form requesting modification of court cost because I am XXXX and unable to pay in accordance to PA law on XXXX XX/XX/XXXX. The clerk of the court responded by sending my persona information and social security statements of benefits to XXXX XXXX, thus adding another 25 % to the debt. After being XXXX XXXX XXXX XXXX XXXX sent me information to the XXXX XXXX XXXX to collect a fee for being XXXX XXXX XXXX  They called my treating the clerk would put me XXXX XXXX XXXX  if I did not pay them the debt and their fees. They placed a negative mark on my credit report. Please review the XXXX XXXX XXXX XXXX XXXX website. It very telling. XXXX XXXX XXXX XXXX XXXX XXXX The amounts in dispute are no criminal penalties nor fines but court cost. Actually its a court tax to support their community. 


Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-05-22 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In accordance with the Federal Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account nameS : XXXX XXXX XXXX, MIDLAND CREDIT MANAGEMENT, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I looked at my XXXX credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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 2024-05-22 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry 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 2024-05-22 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:
Ive contacted credit bureaus on hard inquiries on and stated that I dont recognize who companies are on my credit report Ive filed identity theft report and I disputed I didnt give anyone my information or authorization to run my credit I have updated address new phone number 's and have added more security and credit monitoring fraud alerts to try to prevent I also appealed things .Ive stated that XXXX want removed and I explained its hurting my credit score negatively

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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:
Ive contacted credit bureaus on hard inquiries on and stated that I dont recognize who companies are on my credit report Ive filed identity theft report and I disputed I didnt give anyone my information or authorization to run my credit I have updated address new phone number 's and have added more security and credit monitoring fraud alerts to try to prevent I also appealed things .Ive stated that I want removed and I explained its hurting my credit score negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: OH

Complaint narrative:
Ive contacted credit bureaus on hard inquiries on and stated that I dont recognize who companies are on my credit report Ive filed identity theft report and I disputed I didnt give anyone my information or authorization to run my credit I have updated address new phone number 's and have added more security and credit monitoring fraud alerts to try to prevent I also appealed things .Ive stated that XXXX want removed and I explained its hurting my credit score negatively

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo purchased the loan from another bank. During the course of the mortgage monthly payment amount would change often, Received threating XXXX letters. Fluctuation changes often regarding taxes, fees, and insurance charged. Constant collection phone calls XXXX to XXXX times a day. Would be told different payoff amounts constantly. While making payments balance seemed to never go down while paying on the principal balance. Wells Fargo was one of the worst banks I ever dealt the constant harassment was ridiculous.

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 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
National Credit System is committing aggravated identity theft. I have not done business with this company and there is no contract or promissory note that legally binds me to pay any debts to National Credit System..

I did not authorize or consent for National Credit System to have any personal or financial account information regarding XXXX XXXX. I REFUSE TO PAY THIS ALLEGED DEBT. This is my nonpublic personal information that they are not authorized by me to have access to. This debt is disputed by me. 

They are attempting to extort me for payment which is a crime under title 18 of the United States Code. I request National Credit System Provide me with : - Proof of the existence of the alleged debt and outstanding balance - Proof of a contract verifying National Credit System can legally collect - Proof that National Credit System is the current holder of the instrument which created the debt with my original blue ink signature - The Aggravated Value of Purchase that shows how much National Credit Systems paid for this debt There is no Privity Of Contract under the doctrine of Privity of contract. National Credit System is violating the holder in due course clause pursuant to Uniform Commercial Code 3-302 ( a ) ( 2 ).

I want them to cease and desist all communication and all attempts to collect payment from me effective immediately upon receipt of this complaint.

Company response to consumer: Closed with explanation