vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX a hard credit inquiry from Kay with creditor XXXX XXXX was noted on my XXXX report. 
On XX/XX/XXXX a hard credit inquiry from Jared with creditor XXXX XXXX  was noted on my XXXX report. 
On XX/XX/XXXX immediately after seeing this notification, XXXX and XXXX XXXX were contacted. XXXX advised to contact the creditor and file a fraud report with FTC. 
XXXX XXXX  advised me there was an account with Kay opened, but had no balance or charges. They advised there was an application from Jared for line of credit that had not yet received approval. BOTH of these were cancelled and XXXX XXXX  stated they would be contacting these retailers informing them the account holder did not open these accounts. They also advised I would receive a letter in the mail for the closure of the account with Kay with no balance, and the cancelation of the application with Jared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been having problems with Experian for months for the same issue. evrytime i try to pay my credit card balances thery keep on decreasing my credit score and always give me excuses for doing so. I have worked so hard to bring my credit score from XXXX to high XXXX and i never have a problem with the other XXXX credit reporting agentsies XXXX and XXXX. It has been a battle and so stressful everytime I have tried to resolve the problem of poor and gross incorrect reporting and have paid all of my accounts on time for decades, incorrect information given by intake personal stating that they have nothing to do what happens with my credit score, and so many times Experian keeps on decreasing my credit score numerous times when I never have a problem with the other XXXX agencies. I would always have to call Experian for everything from reporting my payments, incorrect reporting, and removing hard inquries so many times it has caused so much stress ( see attached documents ) that this company caused me to develope a stress XXXX which I had an XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I want the XXXX points they decreased numerous times corrected and want to file a claim for {$250000.00} for all the time they caused me to have to much pain and suffering.

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 2024-01-10 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: AZ

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2024-01-10 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: AZ

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: CA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2024-01-10 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: AZ

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: CA

Complaint narrative:
I noticed an unauthorized charge that took all of the money out of my account ( {$200.00} ) on the XXXX of XXXX XXXX I immediately called to let the bank know this was unauthorized, and I need the charged reversed ASAP as I live paycheck to paycheck and this would be a big hit to my financial situation. 

I was assured that I would be credited my money back within a 7-10 day period and would be receiving a new debit card. I bugeted the little money I had, and called back on the XXXX of XXXX XXXX  to see where things were at. At this point I was told an investigation has to be completed and an affidavit had to be sent to me and filled out and returned. I had already received my new card at this point, but no affidavit, and They said it could take up to 45 days to have the issue resolved. 

I called back again on the XXXX of XXXX XXXX and ask why it will take this long and what it takes to investigate. I am basically told that its company policy and nothing more. I ask to speak to a supervisor and am hung up on. I called back and got no answer. 

I called again after waiting several days on the XXXX of XXXX XXXX, and still have not received an affidavit. I am very frustrated at this point and have exhausted all my resources. I spoke to an employee in their call center, which seems to be outside of the country, and tried to relay my issues. Again I was told an investigation and an affidavit had to be completed, and now that it will take up to 90 days to get my money back. I told them I still had not received an affidavit, and don't understand why a temporary credit can not be posted to my account while the investigation is ongoing. Once again, they explain to me this is the process and I will just have to wait it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
XXXX XXXX XXXX  Account # XXXX Amount : {$110.00} XXXX XXXX  Account # XXXX Amount : {$140.00} XXXX XXXX Account # XXXX Amount : {$2300.00} XXXX XXXX Account # XXXX Amount : {$270.00} I contacted this creditor ( XXXX XXXX XXXX ) on XXXX XXXX XXXX XXXX XXXX which is also the number that is furnished at the bottom of my consumer report for me to contact regarding this account. I requested to speak with a supervisor and explained I have not received a 1099-C form due to the account being written/charged off as loss/paid debt. It will then become taxable income for me to file which is prohibited to furnish taxable income on a consumer report per FCRA. The supervisor stated the account has been turned over to a collection agency known as XXXX and he can not provide me with additional information due to no longer owning the account. He then proceeded to transfer me to the agency. The line had given a busy signal and then disconnected. I then tried contacting them directly with the number the supervisor provided me which is XXXX and it never rings only to provide me with a failed call message. I would like this account to be removed from my consumer report as it is hurting my chances to obtain credit or continue with my homebuying process. I would also demand for the additional accounts that I have listed above to be removed as well due to not receiving a 1099-C form, the account being listed as charged off and the creditor not being able to provide me with additional information. These accounts have been disputed in the past beginning XX/XX/XXXX as well as validation of debt letters sent directly to the creditors on XX/XX/XXXX with no response.

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 2024-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a call from upgrade saying that my payment was past due. I authorized 1 payment for XXXX  for XX/XX/XXXX. But on the XXXX of XXXX they withdrew 2 payments of XXXX  and tried to take a 3rd payment which was returned insufficient funds. This returned item cost me XXXX} for a return fee. On XX/XX/XXXX when I realized this, I called them and asked them to return the payment and was told they would return the extra payment asap. I was told to wait up to 10 days. Today when I called because the money has not been returned yet I was informed that since the next payment was due XX/XX/XXXX they kept the funds because it was too close to the next due date to refund it. I do not have an agreement with Upgrade for automatic payments and have not had for over a year now. They did not have authorization to take the 2nd payment out of my account and it is to my understanding that this is considered theft of funds. Plus they caused an overdraft fee of XXXX They are still refusing to return the funds even though they took them without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: SC

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on 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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Wrong code entered for insurance claim which is now having a negative impact on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: MO

Complaint narrative:
I wish to practice my right as a customer of Kraken to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with Kraken Commencing on or about XX/XX/, I fell victim to a multi-layered scam operation run by XXXX, under the domain name XXXX which involved me making deposits for a total amount of XXXX USD from my Kraken account to fraudulent investment firm ( s ).

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 2024-01-10 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: TN

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Indie Technology DBA Found
State: FL

Complaint narrative:
On XX/XX/XXXX l received a wire transfer into my business account that was given pending status by XXXX XXXX XXXX XXXX XXXX. Subsequently being told my account was frozen for suspicious activity. I was asked to verify the nature of my business and to justify the usage of the funds designated by investors for staffing for donations to at risk youth in XXXX. After answering and providing documentation my account was subsequently froze and scheduled for closure. I was told the XXXX would be released on XX/XX/XXXX some 2 months away l shared that this was an injustice. With no favorable response to understand why my funds are not being released immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: OK

Complaint narrative:
Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhaloyalravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

.

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NC

Complaint narrative:
After reviewing my credit reports I noticed that they are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that they followed all laws and regulations to report therefore they must remove all negative and adverse remarks. The information below is what I can see on my credit file with the partially protected account numbers. 

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 2024-01-10 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
Hi I have sent in numerous letters to the 3 Credit Bureaus suspecting I have had ID Theft on my report. They keep sending me a vague response saying they dont believe its me that is requesting my information to be updated. I have sent it 3 or 4 request since XXXX and I keep getting the same resonse. I feel they are ignoring and stalling my request to update my information. I would like them to honor my previous request. This is so frustrating as I'm looking to purchase a home in the near future. And there is wrong accounts as well as addresses which are NOT mines. I dont feel its fair to penalize someone for another persons malicious actions. I am the victim here, and I dont think its fair for the credit bureaus to treat me like the FRAUDSTER. I thought about hiring a lawyer but I'm not able to do that. Can you please ask them once again to update my credit profile with the correct information? I would greatly apprciate it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
Hi I have sent in numerous letters to the 3 Credit Bureaus suspecting I have had ID Theft on my report. They keep sending me a vague response saying they dont believe its me that is requesting my information to be updated. I have sent it 3 or 4 request since XXXX and I keep getting the same resonse. I feel they are ignoring and stalling my request to update my information. I would like them to honor my previous request. This is so frustrating as I'm looking to purchase a home in the near future. And there is wrong accounts as well as addresses which are NOT mines. I dont feel its fair to penalize someone for another persons malicious actions. I am the victim here, and I dont think its fair for the credit bureaus to treat me like the FRAUDSTER. I thought about hiring a lawyer but I'm not able to do that. Can you please ask them once again to update my credit profile with the correct information? I would greatly apprciate 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 explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX and XX/XX/. I have reached out to all major credit bureaus to provide the following information a copy of the original contract with signature, a copy of the payment history, the name and address of the original creditor and proof of collection authorization. After several attempts I have yet to receive the requested information

Company response to consumer: Closed with non-monetary relief