vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Credence Resource Mana, is reporting adverse and negative information on my credit report. The debt is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it aslo states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found that accounts that I had reported as fraud and identity theft are still open and reporting on my report. On XX/XX/2023 sent in my FTC identity theft report and police report, placed a fraud alert on my credit files, and requested that American Express STOP reporting accounts that were opened fraudulently, despite their reckless, careless investigation. I have provided the companies with proof of identity theft of my personal information and a police report. I also reported the suspect XXXX XXXX who stole and had access to all of my personal information while Living with me. According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts violate not reporting 100 % accuracy. Furnishers & Bureaus need to be held accountable for reporting false and inaccurate information that they CAN NOT 100 % verify. 

I have attached the following documents sent to American Express on XX/XX/2023 : FTC Identity theft affidavit/report Police Report Signature confirmation that the bureau received the supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
Spring Oaks Capital LLC, is reporting me adverse and negative on my credit report. The account they are reporting is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I received an email in XXXX saying my 1099Int was available. To login to my account to retrieve it. ALLY Bank closed my checking and savings account several months ago and I have been unable to log in. I called to talk to them when I received this email and was transferred to the Fraud department. They told me they couldn't provide it for Me, that it would be mailed. I have not received it as of today, XX/XX/year>. 
I never received final statements either. I was set up for statements and received notice it was ready, but of course, my access was blocked. I couldn't get the documents and they never sent them. Consumers are due periodic statements. My guess is anyone whose account was flagged as fraud is not receiving them. 
I have never tried to defraud the bank and when I get my 1099INT notice, I can finally be rid of this bank!

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 2024-02-10 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: CA

Complaint narrative:
I am filing this Complaint because I sent the following letter to ALL Credit Reporting Agencies... On XX/XX/XXXX " As a Federally protected Consumer I am now exercising my right to opt out of all authorization, I, the Consumer, may have given you ; written, unwritten, verbal, and non-verbal. 
You are in violation of my Privacy Rights for sharing my personal information i.e. credit reporting with non-affiliates per 15 USC 6508 i.e. obligations in respect to the disclosure of personal information and 16 CFR 313 Privacy of financial consumer information.

You are in violation of my Rights pursuant to 15 USC 1681 ( b ) needs written permission from consumer to disclose personal information i.e. credit reporting.15 USC 6802 ( b ) Non affiliate third party cant disclose information to.

Per the Privacy Act of 1974 and 15 USC 6802 I request that ALL Charge-offs be removed now because they are certificates of indebtedness, which means it is considered income and must be removed. 

Regarding these violations, I am requesting that you update ALL accounts to Paid as agreed in accordance with the Fair Credit Reporting Act & 15 USC 1681 all reporting across credit bureaus have to match I may be entitled to under 15 USC 6508, 15 USC 1681 ( b ), 16 CFR 313.7 ( f ) Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? 

I request that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at XXXX who verified the dispute with the original creditor. 
Remove any Student Loans reporting in violation of Family Educational and Privacy Act of 1974 '' I would like to note for the Record that on XX/XX/XXXX I discovered that my identity had been stolen by receiving a XXXX report that had my social security number but the wrong drivers license for an inquiry dated XXXX inquirer : Transunion/ on behalf of XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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:
I am filing this Complaint because I sent the following letter to ALL Credit Reporting Agencies... On XX/XX/XXXX " As a Federally protected Consumer I am now exercising my right to opt out of all authorization, I, the Consumer, may have given you ; written, unwritten, verbal, and non-verbal.

You are in violation of my Privacy Rights for sharing my personal information i.e. credit reporting with non-affiliates per 15 USC 6508 i.e. obligations in respect to the disclosure of personal information and 16 CFR 313 Privacy of financial consumer information.

You are in violation of my Rights pursuant to 15 USC 1681 ( b ) needs written permission from consumer to disclose personal information i.e. credit reporting.15 USC 6802 ( b ) Non affiliate third party cant disclose information to.

Per the Privacy Act of 1974 and 15 USC 6802 I request that ALL Charge-offs be removed now because they are certificates of indebtedness, which means it is considered income and must be removed. 

Regarding these violations, I am requesting that you update ALL accounts to Paid as agreed in accordance with the Fair Credit Reporting Act & 15 USC 1681 all reporting across credit bureaus have to match I may be entitled to under 15 USC 6508, 15 USC 1681 ( b ), 16 CFR 313.7 ( f ) Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? 

I request that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at Experian who verified the dispute with the original creditor. 
Remove any Student Loans reporting in violation of Family Educational and Privacy Act of 1974 '' I would like to note for the Record that on XX/XX/XXXX I discovered that my identity had been stolen by receiving a XXXX report that had my social security number but the wrong drivers license for an inquiry dated XXXX inquirer : XXXX on behalf of XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Block, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  I have gone back and forth with Afterpay, a billing company for XXXX, telling them that I have overpaid them. They refuse to refund my overpayment, will not respond to my request for a comprehensive billing statement, and now are trying to charge me twice. I have paid my bill in full and over the {$3.00} they originally said I owed. They now say I owe them {$26.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: FL

Complaint narrative:
Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found that accounts that I had reported as fraud and identity theft are still open and reporting on my report. On XX/XX/2023 sent in my FTC identity theft report and police report, placed a fraud alert on my credit files, and requested that XXXX, XXXX, and Transunion STOP reporting accounts that were opened fraudulently, despite their reckless, careless investigation. I have provided the companies with proof of identity theft of my personal information and a police report. I also reported the suspect XXXX XXXX who stole and had access to all of my personal information while Living with me. According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts violate not reporting 100 % accuracy. Furnishers & Bureaus need to be held accountable for reporting false and inaccurate information that they CAN NOT 100 % verify. 

I have attached the following documents sent to XXXX, XXXX, and Transunion on XX/XX/2023 : FTC Identity theft affidavit/report Police Report Signature confirmation that the bureau received the supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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:
Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found that accounts that I had reported as fraud and identity theft are still open and reporting on my report. On XX/XX/year> sent in my FTC identity theft report and police report, placed a fraud alert on my credit files, and requested that XXXX, Equifax, and XXXX STOP reporting accounts that were opened fraudulently, despite their reckless, careless investigation. I have provided the companies with proof of identity theft of my personal information and a police report. I also reported the suspect XXXX XXXX who stole and had access to all of my personal information while Living with me. According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts violate not reporting 100 % accuracy. Furnishers & Bureaus need to be held accountable for reporting false and inaccurate information that they CAN NOT 100 % verify. 

I have attached the following documents sent to XXXX, Equifax, and XXXX on XX/XX/year> : FTC Identity theft affidavit/report Police Report Signature confirmation that the bureau received the supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX accepted into a debt management program. XXXX XXXX XXXX payments are made through XXXX  XXXX XXXXXXXX XXXX XXXX shows account current every month through app as XXXX XXXX XXXX is paying the {$15.00} fixed paid agreement account shows current minimum payment met yet XXXX XXXX  continuously reports late on credit see screenshot attached.

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consolidated Credit Solutions, Inc.
State: GA

Complaint narrative:
XXXX  XXXX accepted into a debt management program. Consolidated credit solutions payments are made through consolidated credit solutions capital one shows account current every month through app as consolidated credit solutions is paying the {$15.00} fixed paid agreement account shows current minimum payment met yet XXXX XXXX continuously reports late on credit see screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: TX

Complaint narrative:
Upon checking my credit report, I found these fraudulent accounts. Please remove them as soon as possible since they are hindering my ability to obtain credit, as well as causing financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I looked at my XXXX credit profile and seen that there were unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX of XXXX, {$500.00} was transferred from my checking account from Wells Fargo without my authorization. 
In XX/XX/XXXX, {$8000.00} was transferred from my checking account without my authorization. Numerous attempts were made to resolve this problem but were unsuccessful. 
I recently closed my accounts with Wells Fargo.

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just received a copy of my updated consumer report and I am shocked to still see the inaccurate information still being furnished on my report. This account is duplicated on my report and neither account should be on my report XXXX XXXX XXXX and XXXX XXXX XXXX Both have the same account number these items need to be removed. I have filed a compliant with the CFPB regarding these accounts and XXXX has determined it does not meet FCRA requirements therefore it has been deleted however XXXX and Experian continue to report this inaccurate information even though they are all govern by the FCRA. 15 USSC 1681s clearly states that it is the duty of the consumer reporting agencies to ensure maximum accuracy when furnishing information.

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 2024-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Received a notice from Midland Credit Management that a credit card was opened in y name with XXXX XXXX XXXX  and numerous items were charged at XXXX. There is a current balance of {$13.00}, XXXX, none of which is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My x girlfriend ask the the company to remove me as a authorize user, they told her they did but still shows up on my credit report, this was done around 2021

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 2024-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My debit card was lost and was used in a identity fraud scheme and my account was used and filled with XXXX and I disputed the claims and everything went well and they said that it wouldn't be back charged to me. Now they are saying the claims were denied and that I owe the money

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 2024-02-10 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$330.00} for an application and administrative fee for XXXXXXXX XXXX  apartments. The next day, I called to check the status and later on they told me that the unit was unavailable and that they would refund me the money. After attempting to reach them several times and not being able to speak to someone, I even reached out to the merchant where I made the payment at and they tried but it wasn't successful. I finally got in touch with someone at the complex and they said they didn't know how long it would take, so I decided to dispute the transaction in hopes to get money back. On XX/XX/XXXX, I was given a provisional credit. Once investigation was completed, I was informed that they would be debiting the money back from my account because it was closed and that they couldn't do anything. After awhile I gave up but then I thought about how hard I work and decided to file another dispute on XX/XX/XXXX to find out why I haven't received my money yet and it was closed on the XX/XX/XXXX with the same resolution. I was able to speak to someone at the apartment complex and they said that the money was released and there wasn't anything that they could do. I called the card company several times and they keep telling me that I have wait up to 10 days in order to receive an email so that I can schedule a call from the dispute department. They told me that they don't have direct contact with the dispute department, which is ridiculous. I just don't understand what is the issue and why I can't get back what's owed 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 2024-02-10 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: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
15 U.S. code 1681 c-2 a consumer reporting agency shall block the reporting of any information inthe file of a consumer that the consumer identifies as information that resulted from a alleged IDENTIFY THEFT. NO CONSENT IS IDENTIFY THEFT! As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation