vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Home Depot/Citibank issued a credit card in my former legal name ( I changed my legal name in XX/XX/XXXX ) to an identity thief on XX/XX/XXXX. The thief proceeded to make approximately {$4000.00} in purchases with the card on the same day. I noticed the account opened fraudulently and reported it to the creditor immediately. An investigation concluded by the creditor in XX/XX/XXXX that the charges were not fraudulent and that I was still responsible. I disputed the investigation and provided further proof via fax on XX/XX/XXXX ( my legal name change court order, my drivers license, an identity theft report I filed with the FTC ). Home Depot and Citibank seem unwilling to dismiss this account and these charges as fraudulent so I am filing this report against them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Central Holdings, LLC
State: GA

Complaint narrative:
The company has reported the amount of {$1700.00} was written off but I did not receive a form 1099-c from the company. It is still a negative remark on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: ND

Complaint narrative:
Received letter of attempt to collect debt. Debt is related to identity theft issue with Nordstroms. Nordstrom didn't cancel and close account when first contacted in XXXX. The fraud department individual i spoke to said account would be closed and it wasn't. Contacted Nordstrom again and now it's closed and they are starting fraud investigation. Made several attempts to contact debt collection company with phone number provided. Unable to get anywhere with that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Checking my account I noticed my savings account with NFCU was closed out ; without any information sent out letting me know this would be taking place. This account had zero dollars in it as previously reported for seven years. For some strange reason Navy Federal keep these accounts open after informing me in XXXX these accounts were closed. NFCU make sure every month to credit the checking account {$18.00}. I have not touched these accounts in more than 5 years, so why are they keeping these accounts open and crediting these accounts? I called today to asked about these strange events. I was told the savings account was sold to a third party this XXXX. Once again I was not informed of this, which means one again my privacy has been violated by NFCU. The way NFCU violate Consumers/Lenders they should be out of business. Of course this type of fraud is backed by the government. I made a point to ask the representative if this call was being recorded, because this is an omission to fraud. How can you report an account again to another credit buyer? Of course this will be on my credit report again. when are these Financial Institutions held responsible for committing fraud? These are the same corporations looking for bail outs causing debt for America ; while creating hardships for people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Credit Card opened on XX/XX/year> with a {$1000.00} spending limit. On XX/XX/XXXX, I was notified by XXXX to verify a new Credit Card in my name. I hastily opened XXXX and sent a dispute through XXXX, but I have not yet seen it cleared from my name. 

The address and phone number the account belongs to are not places that I am familiar with nor have ever used. I have been continuing to wait for a further update regarding this dispute, but XXXX has not reported any outstanding balances to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I would like to remove the account from my credit report. attach this letter is a copy of my police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: LA

Complaint narrative:
I am writing to formally file a complaint regarding XXXX accounts that are listed under my name but do not belong to me. I have made efforts to resolve this issue directly with the financial institutions involved, but the matter remains unresolved. Below are the details of the accounts in question : XXXX XXXX XXXX Account Number : XXXX ( partial number provided for privacy ) Institution : XXXX XXXX  Description : This account does not belong to me. I have never opened or authorized any account with XXXX XXXX, nor have I had any transactions or interactions with this company. 
XXXX XXXX XXXX XXXX Account Account Number : XXXX ( partial number provided for privacy ) Institution : XXXX XXXX XXXX XXXX Description : This account is also not mine. I have never held an account with XXXX XXXX XXXX XXXX, nor have I authorized anyone to open XXXX on my behalf. 
I have contacted both XXXX XXXX and XXXX XXXX XXXX XXXX to report that these accounts are fraudulent, but despite my efforts, the issue has not been resolved. These accounts continue to appear under my name, potentially harming my credit report and financial reputation. 

I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: LA

Complaint narrative:
I am writing to formally file a complaint regarding XXXX accounts that are listed under my name but do not belong to me. I have made efforts to resolve this issue directly with the financial institutions involved, but the matter remains unresolved. Below are the details of the accounts in question : XXXX XXXX Account Account Number : XXXX ( partial number provided for privacy ) Institution : XXXX XXXX Description : This account does not belong to me. I have never opened or authorized any account with XXXX XXXX, nor have I had any transactions or interactions with this company. 
XXXX XXXX XXXX XXXX Account Account Number : XXXX ( partial number provided for privacy ) Institution : XXXX XXXX XXXX XXXX Description : This account is also not mine. I have never held an account with XXXX XXXX XXXX XXXX, nor have I authorized anyone to open XXXX on my behalf. 
I have contacted both XXXX XXXX and XXXX XXXX XXXX XXXX to report that these accounts are fraudulent, but despite my efforts, the issue has not been resolved. These accounts continue to appear under my name, potentially harming my credit report and financial reputation. 

I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2024-11-17 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: GA

Complaint narrative:
In XX/XX/year>, I spoke on the phone with representatives from each reporting agency and was informed action would be taken. In XXXX, I disputed many of these inaccuracies online and sent in letters and nothing was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing using the agency. I reached out to the agency for the debt validation, they failed to provide that information. It appears the original creditor sold the debt, but also marked it as a charge off under law 15 UCS 1681 ( e ) B the loan has been cancelled or forgiven and I am not longer required to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MECHANICS BANK
State: MO

Complaint narrative:
I'd an account reinserted on my consumer file that's been deleted for inaccurate information. I was not notified in writing of reinsertion of 5 business days. This clearly violates Section 1681i ( B ) ( ii ) Notice to Consumer which violates FCRA & my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I'd an account reinserted on my consumer file that's been deleted for inaccurate information. I was not notified in writing of reinsertion of 5 business days. This clearly violates Section 1681i ( B ) ( ii ) Notice to Consumer which violates FCRA & my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp.
State: MI

Complaint narrative:
My mother passed away this year and has had a car she bought in XXXX  thats been paid off for over 10 years. 

I am the executor of her will and came to find out her title still shows Lien with Omni Financial Group ( a finance subsidy of XXXX XXXX ) I spoke with them and mailed all requested documents ( death certificate, copy of me as executor, copy of ID etc. ) After 2 weeks of calling for update they told me to fax it. I did so and after another 2 weeks they still had nothing and told me to try mailing again certified with tracking number. I did that and saw it was delivered. They again said they saw nothing in her profile but that if the department that deals with lien letters got the mail theyd send it out to me. I asked to talk to that department and was told they dont take calls.

It has been another 2 weeks since that call and Ive received nothing in mail still.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: KY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately.I had XXXX late payments on an account that was in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.This acct has not been late on payments.I 've attached a copy of my report to this complaint on the following dates ( XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt action.

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 2024-11-17 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I am not responible for this debt collection. I have reach out to dispute but there hasnt been a change. Ive also ask for the company to provide written document that i have an account with them and it hasnt been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I made a payment on my care credit card early like always got a text saying payment received with a reference number but get an email saying I have a past due amount and my card has been closed. The first call I made I was told that my payment made XXXX was received but I still had a payment due of XXXX so I paid it but I remembered the text so called back was told no payment received. Tried to tell the lady my payment was received then asked why my account was locked she said it was closed because of one late payment which I paid on the XXXX of XXXX. I was so madi just hung up. I can't even set an account up when I try it says invalid email they have tried sending me the link and it still won't let me. I'm so upset I do not want this to effect my credit scorei have other credit cards And never have a problem with them please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XXXX I received an email that my Experian profile information had been updated. I did not do this and was unable to log into my account so I contacted them by phone & was informed someone opened a XXXX XXXX XXXX account. On XXXX a case # was opened and established. On XXXX I uploaded the requested documents online so my information could be validated and login information updated. On XX/XX/XXXX I followed up with a phone call to check progress & was told it could take a few more days. On XX/XX/XXXX I called again to check progress. During all phone calls, I was redirected numerous times to several different departments, none of which were able to assist me in updating my username, password, phone number, and email address - all of which have been changed unbeknownst to me. I had an XXXX agent assist me on the call, which lasted four hours. This is a problem that was established on XXXX and as of XX/XX/XXXX there is no resolution and accounts are being opened and/or attempted to be opened using my credit report. Along with the XXXX XXXX  account that I'm being told is active, there were XXXX XXXX and XXXX XXXX accounts that were able to be halted. During the phone call on XX/XX/XXXX, my XXXX agent and I were transferred and re-transferred at least a dozen times to departments that were ultimately unable to help, claiming that they needed to send a one time code to either the email address or phone number on file - both of which I can't access due to someone changing them in their system.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/year>, I spoke on the phone with representatives from each reporting agency and was informed action would be taken. In XXXX, I disputed many of these inaccuracies online and sent in letters and nothing was done.

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 2024-11-17 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:
In XX/XX/year>, I spoke on the phone with representatives from each reporting agency and was informed action would be taken. In XXXX, I disputed many of these inaccuracies online and sent in letters and nothing was done.

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 2024-11-17 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-11-17 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
On XX/XX/year> I send a Certified Mail to LVNV Funding LLC requesting proof that the alleged debt was mine and that they had the right to collect the alleged debt. I requested copy of the Original Contract or the Purchase Agreement of alleged debts they are trying to collect and the were unable to provide that to me. All I got was a letter of them saying that they are in charge of collect the debt and bank statements of this debts, but no Contracts or Purchase Agreements. 
Can this matter be review? and please removed from all of my credit reports. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Credit & Collection Corporation
State: ND

Complaint narrative:
Received letter of attempt to collect debt. Debt is related to identity theft issue with Nordstroms. XXXX didn't cancel and close account when first contacted in XXXX. The fraud department individual i spoke to said account would be closed and it wasn't. Contacted XXXX again and now it's closed and they are starting fraud investigation. Made several attempts to contact debt collection company with phone number provided. Unable to get anywhere with that

Company response to consumer: Untimely response