vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 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: OH

Complaint narrative:
I was getting messagesfrom protect m I'd that someone from the dark web was using my XXXX account. So I became a paid subscriber to Experian credit reporting. I requestedreports from all 3 agencies Experian XXXX and XXXX as i am an irs bonafide identity theft victim since XXXX ( it startedabout XXXX ) There was a XXXX bill from XXXX i questioned of Experian as XXXX had it paid in full and Experian had me paying XXXX a month as arranged ( i made no payments i never made court arrangements ) because I asked a question they lowered my score by XXXX points and added XXXX to the debt which I don't see how they could do that. Then I had asked about a subscription to credit boost prior to this happening and told them I was subscribed to boll pay through my bank. Experian then wanted my XXXX XXXX  user name and password ( I didn't give it to them ) immediately I unsubscribed to their services as a paid subscriber and immediately I began receiving a message from protect my id that my social security number was being used by someone on the dark web. 
I paid utilities on time each and every account ohio XXXX XXXX XXXX XXXX XXXX Rent car payments insurances t-mobile for years without ever being late. 
Now I've had to delete bill pay at XXXX XXXX  as for the first time I received a late charge in t-mobile for a bill that was actually paid early. Someone at XXXX XXXX  is rearranging debits etc and actually tried to make me pay ohio XXXX XXXX when even ohio XXXX has marked the bill paid. I'm leaving XXXX XXXX  soon -- seems collusion of some sort with Experian or someone created a pass through account getting their own bills paid first ( embezzlement/bank fraud etc ) something is not right at XXXX Bank and not right at Experian. 
I am XXXX XXXX XXXX and still must work because of identity theft. I Im not on social security as it would cover basic needs though I've worked all my life -- whoever doing this hit early on. I'm single my ex-husband passed. I live alone pay my taxes volunteer everywhere. I'm a substitute teacher/therapist. 
I think my ex brother-in law a felony and his son may be involved as he started threatening at the funeral but my ex never left me anything. Suspects : XXXX XXXX XXXX and son XXXX. Other suspects sure may have involved anyone who would help them they are cons. Please help 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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
This account was current and resolved and was supposed to be deleted over 30 days ago please delete this account the NATIONAL CREDIT SYSTEM # XXXX it is not accurate. 
I have request the company send out the UDF FORM to remove this account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XX/XX/scrub>XX/XX/2019 I registered with Experian for a {$15.00} / month plan to provide security from hacking, scams, identity theft, etc. They billed my credit card monthly. ( See attached record of transactions. ) In XXXX I saw that my account on line with Experian showed that I did not have this paid plan, but the free plan that had no coverage for financial loss. But I had paid for that coverage for 4 years, 9 months. I attempted to contact Experian but could not. So I mailed a return receipt requested USPS letter ( see attached copy ) and received the USPS signed receipt ( see attached image ). I have received no explanation from Experian and they continue to charge my credit card {$24.00} a month for coverage their website does not say I actually have -- only the free plan with no coverage.

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 monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
credit corp solutions is on my credit report, not my debt this debt is from identity theft, in the total amount of {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MT

Complaint narrative:
I have had a Marcus by Goldman Sachs savings account for many years. I have never over drawn or caused any issue. On XXXX XXXX, at marcus.com, I used marcus ' online ach eft system to transfer to marcus from my Iinked external savings account at XXXX XXXX {$100000.00}. Transfer completed and all funds were clearly stated as available after the stated 7 day hold. I then submitted, using the same marcus ach eft system at marcus.com, the same type of transfer out of marcus to my linked external savings account at XXXX XXXX. I have done these same type of transfers on an occasional basis over the years with no problem. At approximately XXXX mst on XXXX 2024, I received a call from Marcus rep XXXX stating he had reversed the transfer. After his lengthy and undocumented reasoning for reversing my transfer, I spoke to a supervisor. They said my {$100000.00} could only be ach eft transferred back to XXXX XXXX or after 6 months at Marcus, could be transferred elsewhere. I asked where these requirements were stated on marcus.com. They said the deposit disclosure agreement ( dda ). After rereading all of the dda and faqs and finding NOTHING REGARDING limitations on which external linked bank accout I transferred to ( except that it was in my name, and it is ). I called on XXXX and received a call back as I requested, from supervisor XXXX. I asked her to tell me where I could find these rules. After waiting lengthy hold times, her best result was paragraph g on pages 9 and 10. To paraphrase, it states Funding with a Gift or debit card is not allowed, which I do not have and was not using. The {$100000.00} left marcus savings on XXXX and were back in XXXX. Both supervisors stated on recorded calls, I would earn Marcus interest ( then at XXXXapy ) for XXXX as well as all days the {$100000.00} was in my marcus savings. I am requesting I am allowed to transfer my available {$100000.00} to my linked XXXX XXXX XXXX savings. Once there, my {$100000.00} willbe at XXXX apy. I also want this additional interest of XXXX - marcus ' apy for XXXX thru the date when my {$100000.00} leaves marcus to go to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: TX

Complaint narrative:
Unauthorized Credit Inquiries on my XXXX, and Equifax Information Services credit files. I checked my personal credit report, and noticed these inquiries had been placed on my consumer credit files. 

I request the removal of all unauthorized and outdated credit inquiries. Per the Fair Credit Reporting Act 15 USC 1681 they are in violation of the FCRA. 

XXXX : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> Equifax Information Services , LLC : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: NY

Complaint narrative:
XXXX XXXX XXXX was supposed to delete this incorrect account from my credit report/ They sent me a letter back in XXXX and this account is still being reported. I demand it be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: NY

Complaint narrative:
XXXX XXXX XXXX was supposed to delete this incorrect account from my credit report/ They sent me a letter back in XXXX and this account is still being reported. I demand it be deleted immediately.

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 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Got letters from lawyers office about a law suit, I called and they said theres a lawsuit against me but I have not received anything, and was told the judge will be in favor of the plaintiffs, I dont know anything about this debt, or who its from, all I know its XXXX. Im not sure when this civil suit is going to happen, I have had my identity stolen 3 times, every thing of mine is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I received a notification on my credit file of a negative account. 
NATIONAL CREDIT SYSTEM Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$1100.00} Balance updated XX/XX/XXXX Original balance {$1100.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary. 
This is exactly how it is listed. After calling, I received an email with a link to send the information I had showing this debt had already been paid and that it needed to be removed from my credit files. I sent them an email with a receipt from SC XXXX XXXX showing that the balance had been paid and that they paid more than is currently being reported. I have not lived at the address since XX/XX/XXXX. The original creditor knows this. This debt was paid in XXXX by XXXX XXXX XXXX and I received an email from them with the receipt showing a breakdown of what was paid to B and D XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
On XX/XX/2024, I became the victim of identity theft, resulting in a series of fraudulent withdrawals from Marcus by Goldman Sachs XXXX XXXX Account. A total of {$28000.00} was fraudulently transferred from the account via multiple ACH transfers to a XXXX XXXX XXXX account ( ending in XXXX ). I have neither of these accounts, the only bank I use a this time is XXXX XXXX XXXX. 

Details of Fraudulent Transactions : On XX/XX/2024, the following unauthorized XXXX withdrawals were made from my savings account : XX/XX/2024 : Internet transfer to XXXX XXXX XXXX XXXXXXXX - {$990.00} XX/XX/2024 : Internet transfer to XXXX XXXX Bank XXXX - {$990.00} XX/XX/2024 : Internet transfer to XXXX XXXXXXXX XXXX XXXXXXXX - {$990.00} ( and so on for each transfer as detailed in the statement ) In total, XXXX transactions occurred in increments of approximately {$990.00} each, totaling {$28000.00}. These withdrawals depleted nearly all the funds in the account, leaving a balance of {$0.00}. 
Actions Taken Upon discovering these fraudulent transactions, I took the following actions : XXXX. Filed a Police Report : I reported the identity theft to the local police department, providing them with a copy of my bank statement and other relevant documentation. 
XXXX. Contacted Marcus by Goldman Sachs : I notified Marcus by Goldman Sachs of the fraudulent activity, and they confirmed that my account had been closed as of XX/XX/2024. 
XXXX Credit Monitoring and Fraud Alerts : I followed the recommended steps provided by Chase to protect my identity, including contacting the credit reporting agencies ( XXXX XXXX XXXX, and XXXX XXXX to place a fraud alert on my credit file. 
XXXX. Notified the FTC : I reported the identity theft to the Federal Trade Commission ( FTC ) and reviewed their resources for dealing with identity theft. 

Next Steps I request a full investigation into these fraudulent transactions. Additionally, I will continue monitoring my credit and accounts for any further suspicious activity. If additional information or documentation is required, please do not hesitate to contact me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
This CFPB Complaint is being filed due to XXXX not Complying with XXXX and FCRA Guidelines by furnishing Unverified/Inaccurate information on my credit report. As per XXXX XXXX XXXX guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable .I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the XXXX XXXX XXXX in regards to the violation of my rights by XXXX XXXX as well as damages caused by these " errors ''. The account in question is XXXX Account # 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 2024-09-29 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: PA

Complaint narrative:
XX/XX/year> I submitted a dispute complaint stating that the following accounts listed below are reporting inaccurate information and information that is not mine to XXXX through their direct website regarding the collection accounts listed below ( Confirmation # XXXX ) Account # XXXX : XXXX XXXX, XXXX XXXX Account # XXXX : XXXX XXXX XXXX The credit bureaus stated these accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is inaccurate and the furnishing company has not provided me with any method of verification to how they can verify that this account is mine. This is ground for removal. 

They also violated my rights under 15 USC 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report. 

XXXX replied in statement, for both accounts, " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. 

XXXX replied to this dispute XX/XX/year>. If a proper and reasonable investigation was conducted, given the time, how can a reasonable investigation be conducted within 24hours. Under the 15 USC 1681i, it requires for credit reporting agencies to conduct a reasonable investigation when a consumer disputes information on their 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 2024-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Macys credit card services account ending in XXXX. 

While not using the card for two straight billing cycles, I was billed a two dollar charge per 30 day statement. I was unaware of the fact that I would be charged an interest fee which then led to a late payment of {$5.00}. I paid that fee. This current billing cycle they once again charged me two dollars interest fee despite having zero transactions on my card. I called Macys credit card services and I requested them to waive my fee or their or I would cancel the account. However, as a timely paying consumer with no payments and a good history with the creditor, I have kept the account open. I would like a formal complaint to this particular creditor for assessing charges while having no transactions or usage of the card. That is discriminatory and not legal to assess consumers for not using the card.

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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: IL

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC
State: PA

Complaint narrative:
oliphant XXXX is on my credit report, my identity has been stolen 3 times in the past 3 years total amount is {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to formally request the immediate removal, deletion, or blocking of all of my personal information from your consumer reporting agency. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

I am asserting my rights under the Uniform Commercial Code ( UCC ) 1-308.4, which protects consumers from the unauthorized sharing or sale of their private information. I have not provided any written instructions or signed any agreements authorizing the sharing or sale of my personal information to third-party consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX  is on my credit report twice, total amount {$1800.00} Portfolio recovery is on my credit report twice, total amount {$2400.00} XXXX XXXX XXXX in on my credit report 3 times, total amount : XXXXXXXX XXXX XXXX XXXXXXXX on my credit report.total amount {$2100.00} i have no knowledge of these of these debts, i have had my identity stolen 3 times in the past 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc.
State: CA

Complaint narrative:
I believe the account is invalid. CLIENT SERVICES, INC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 


CLIENT SERVICES , INC . 
XXXX XXXX : XXXXXXXX XXXX XXXX # : XXXX

Company response to consumer: Closed with explanation