vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Issue # 1. Insufficent Investigation Violation of FCRA : Unfair ( A proper investigation would have revealed that it was not my account ). 

XX/XX/XXXX After a review of my credit report, I discovered that a XXXX XXXX account was opened fraudulently without my authorization. At that time. I filled out a police report and FTC Identity Theft Victims Complaint and Affidavit. ( See both attached reports ). 
After another review of my recent credit report, I noticed that this fraudulent account is still on my credit report and unfairly negatively impacting my credit score. 

XX/XX/XXXX I wrote a letter to TransUnion requesting that they validate and investigate this account because it is not mine. ( See attached report ). 

XX/XX/XXXX TransUnion sent me back a correspondence indicating that above referenced account had been validated. How can this be when I never authorized or submitted an application for this account or card. TransUnion did not provide me with any documentation or contract with my signature on it requesting to open an account, or any other documents that prove I opened this account. ( See attached letter ). 

In my letter XX/XX/XXXX letter to TransUnion I specifically asked to see confirmation of a contract with my signature authorizing this account to be opened by me. TransUnion wrote letter back to me on stated that their investigation was verified without any information or documentation as requested by me. 

My respectful request is that CFPB assist me in having this XXXX XXXX deleted from all three major credit bureaus because I did not open or give permission to anyone to open this account in my name. I am a victim of identity theft. This account is further victimizing me as is negatively impacting my credit score. 

Issue # 2 Inaccurate and Incomplete Information on Credit Report Violation of FCRA A review of my credit report reviews that it is inaccurate in the following areas for the XXXX  XXXX account which is attached hereto : ( See page # 14 of attached credit report ) 1. Date Opened- TransUnion XXXX XXXX and XXXX all have different dates opened reporting 2. High Credit-TransUnion, XXXX and XXXX all have different high credit amounts reporting 3. Last Date Reported-TransUnion, XXXX and XXXX all have different last date reporting 4. Date Last Active- TransUnion , XXXX and XXXX XXXX have different date last active reporting 5. Date of Last Payment- TransUnion and XXXX have a different date of last payment reporting than XXXX XXXX. 

Accordingly, Pursuant FCRA, I am respectfully requesting that this account be deleted from TransUnion, XXXX and XXXX Thank you ***All reports mentioned are were uploaded to this portal

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have attached an FTC report with 4 fraudulent accounts and inquiries I did not authorize

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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
Fortiva opened a credit card in my name without my consent. The balance in my no interest Fortiva Retail account was transferred by Fortiva to an interest bearing credit card, negatively impacting my credit score. 

On XX/XX/, an alert posted to my credit monitoring app with a Risk Level of High. I contacted Fortiva on XXXX XXXX XXXX, at XXXX XXXX I was told by both a customer service representative and a supervisor that Fortiva sent me an email stating my Fortiva retail account would be transferred to a Fortiva Master Card unless I opted out by a certain date. I never received an email prior to Fortiva opening the credit card. Furthermore, I did not explicitly apply for or authorize a Fortiva Credit Card. 

The Fortiva supervisor informed me Fortiva was allowed to open a credit card in my name because I did not opt out in time. That's not how it works.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
How are you doing this is XXXX XXXX ; I sent out letters on XX/XX/2023 ; The letters went out to Experian, XXXX, XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation break. This is not making any sense. 

According to the law 15 U.S. Code 1681i -Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX Account # XXXX ***** XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXt # 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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
There were fraudulent charges when I last called American Express to XXXX. I contacted the fraud department last on XX/XX/XXXX. My credit card information was hacked as was my XXXX account with the credit card connected to it. Several more charges continued after XX/XX/XXXX. A separate credit card was sent to me and the fraudulent charges still followed me and negatively affected my credit score report. After the next time I called, American Express said I didnt pay the credit card membership fee and I had already paid it for the original card. It was against their policies to open a new account without my verification. Atonement still occurred. The transactions do not pertain to my diligent accounts as a cardholder as I paid off my credit card in timely matters before the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are two issues.

1 ) The account was settled and paid on XX/XX/22. See the attached settlement letter and bank statement showing the payoff. My credit report shows it as charged off and fully unpaid with an outstanding balance. This should be updated to reflect it has been settled and closed with a XXXX balance. 

2 ) The 1099-C I received ( also attached ) showed the entire balance plus additional interest as charged off ( and therefore increasing my tax liability ). This should only include the actual cancelled debt, less the settlement payment made and no interest. 

I have tried to reach out many times but the company appears to be out of business and the phone numbers do not work.

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 2023-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This account is a result of Identify Theft. This should have been removed. I have sent all documentation requested. This claim is about XXXX XXXX XXXX account number 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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Between XX/XX/2023, and XX/XX/2023, Equifax allowed a dispute to be added to my credit report file by XXXX XXXX XXXX  against my will and was not authorized or disputed by me. This statement by XXXX XXXX has affected my credited worthiness and has harmed my ability to receive credit from other lenders. 

The account was Charged-off and there is no Account #. The amount is for {$1500.00}. If Equifax has proof of this dispute received from me, please forward it with your response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX, XXXX, 2023 my first name was changed by someone without my knowledge on my Equifax credit report and now I'm starting to receive lots of credit card offers in the mail under this name. 

Also XX/XX/2023 someone lifted my credit freeze and fraud-alert on my Equifax report Also XX/XX/2023 someone again lifted my credit freeze and fraud-alert on my Equifax report. 

I'm the victim of Identity theft. Equifax allowed someone to change my first name and also allowed them to lift my security freeze and fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Sat. XXXX XXXX at XXXX XXXX  EDT received a text from Capital One saying " Thanks for giving Capitol One your mobile number. You XXXX get texts with important info about your account from XXXX or XXXX. You also now have access to XXXX, your Capital One assistant. You can talk to XXXX by sending a text to XXXX. Reply HELP for more info. Reply STOP if you don't want to receive text messages from Capital One. Msg frequency varies. Msg & data rates may apply. '' This text alert was not solicited but I assumed it was phishing so I didn't click on anything and ignored the message. 

That is until I checked my emails and found a new message from Sat. XXXX. XXXX at XXXX XXXX  EDT titled " Congrats! Your new XXXX Checking account is open. '' I called Capitol One on Monday XX/XX/XXXX around XXXX XXXX. They closed the account, and told me to destroy the debit card that was already on its way ( I received it XXXX XX/XX/2023 ) and were unable to tell me who or how this account was opened under my name, phone number, and home address. I have never banked with Capitol One so this checking account being opened under my name was very suspicious. 

I would like to know who/how this happened, if possible. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The purchase made on XX/XX/XXXX at the Ashely store in XXXX XXXX XXXX, GA for the total amount of {$2700.00} was not signed by me. This specific store has orchestrated fraudulent steps. Which led to the delivery of the wrong items ordered and sent. The attached signed sale XXXX sale for XXXX does not have my signature. All items were cancelled at the store. I have attached a copy of my drivers license for you to match signatures. 

Returned the next day XX/XX/XXXX, I ONLY made 1 purchase on XX/XX/XXXX ( Where is this sale receipt? ) 1 bed frame for {$790.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX : XXXX Instead, Ashely sent XXXX XXXX XXXX XXXX XXXX : XXXX. 

As soon as I realized of the error. I rejected the delivery, I contacted Ashely store in XXXX XXXX, I tried talking to several people, I never received a response. 

I have attached a copy of my drivers license for you to see how this specific store has managed to falsely print my name on their documents. 

I sent a certified letter on Synchrony bank it was received XX/XX/XXXX USPS tracking XXXX requesting an investigation. Its been more than 30 days without a response If synchrony made a proper investigation, synchrony would have realized that Ashley made a BIG mistake, they ordered the wrong items that I DID NOT approve, Ashley made a huge typo in my order, so they sent me the wrong item, Ashely sent Item : XXXX INSTEAD of Item : XXXX. Can you not see the error/ typo, the BIG ERROR Ashely store made? 
And they still have not corrected?? I didnt no authorized or approved for item Item : XXXX to be sent to my home., I didnt signed for the sale, In addition, Ashley store had not contacted me or have try to resolve the issue, I have made several attempt and they never call back either. I have been in touch with XXXX ( store manager ) and XXXX ( office manager ) and no resolution. 


Needless to say, Im terribly dissatisfied with Synchrony handling my case. I, in no way should be responsible or pay for items that I didn't order, authorize or approve and most importantly never received. 

Briefly, I am requesting synchrony to correct the error on my account promptly, that any finance or other charges related to the dispute amount be credited to my account, and make Ashely store take responsibility Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed my Business Bank account for suspicious activity and they will not give me my money back. The closure was unreasonable because of course I am not doing any type of wire fraud that is ridiculous. They are so called doing a investigation and they need to speed it up they with held over {$180000.00} of my business 's money XXXX XXXX XXXX XXXX. I am disappointed in Bank of America they were unprofessional, rude and disrespectful in how they handled this whole situation. I personally can not stand them and I will be telling as many people as I can not to do business with them. My whole experience with them was a nightmare. I never heard of a bank where you can't wire money, transfer or withdraw funds without going through the third degree like you are a criminal. They make you feel bad for taking money out your own business account. I hope your organization can get my money back as soon as possible because I been waiting on them for over a month thinking they would do the right thing and return my money. Of course, nothing has happened. Nothing right ever happens when it comes to Bank of America. The account ends in XXXX. I look forward to a positive outcome with the return of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Collection Service Inc (GA)
State: IN

Complaint narrative:
According to the creditor, I owe on an apparent. I never lived there and never took a position and it is a result of Identifying theft. The address not even on my credit report and was also removed as fraud.

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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My account with Comenity Bank/Mastercard was restricted on XXXX XXXX. I was unable to make any purchases since then. I was never sent a letter of adverse action within the 45 day time frame and my card was restricted without notice. Since then I have been reaching out to Comenity/Mastercard which has directly lied in stating that they have mailed me regarding my account ( although I am paperless and it has shown on my account that only statements have been submitted to me ), then stated that due to an outstanding request to increase my credit card limit I can't use my Mastercard. I never made a request outstanding. Then that the three credit card reporting bureaus reported that there was a significant change to my account. I have reached out to the three bureaus and pulled my reports. All my credit cards and accounts are in excellent standing and always paid on time. Recently I had a bankruptcy from ten years ago fall off my account and medical bills also fall off due to change in federal law. All of which still doesn't explain why my account is restricted. I'm more upset at the failure of notice and the fact that a reason hasn't been given. They also increased my APR without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: NC

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. 

XXXX XXXX XXXX Account # XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXXXXXX, has violated my rights. 
XXXXXXXX Account # XXXXXXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 


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 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 2023-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I requested to be off covid forbearance in XXXX. I Requested for a loan partial for a solution. I have made all my house payments from XXXX to XXXX. I have still not received loan partial docs from hud in the mail and it has been roughly 3 months. I'm starting to get really worried. Cross country keeps telling me a few weeks.

Company response to consumer: Closed with non-monetary relief