vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 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: MO

Complaint narrative:
Contacted on XX/XX/XXXX at XXXX am XXXX from phone # XXXX XXXX. 

Person identified themselves as from Experian. Called to ask if I tried to open a XXXX card in Michigan around XXXX on XX/XX/XXXX. He had my correct name, address and social security number, knew about my credit cards and how much money was owed to chase. I did not confirm or deny any data he shared with me. ... BUT when asked for the last 4 digits of the credit card not used or the last 4 on the XXXX card he did not wish to answer though he already shared by name, AS #, address and DOB. When I asked him to repeat why exactly he was calling me, he hung up. Phone # called from was XXXX XXXX XXXX XXXX. 

I believe rhis was a phish but after my information was already sold to someone. It was data only obtainable from a bank, credit report or loan app. I have not shared any info to anyone outside of my car loan ( XX/XX/XXXX ) and my personal bank loan ( XX/XX/XXXX ) Male had an Indian accent. Very heavy. 

Tried to contact Experian but neither their website or their automated phone allowed for chats or reporting a breach like this nor could I confirm the company called me. Customer device was not available. 

Concerning is all the data this person has from my name, address, dob, and SS # as well as credit info. But they did not know my entire cc numbers.

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 2024-03-30 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: FISERV FINXACT CORE
State: LA

Complaint narrative:
All I know it appeared on my credit report as a collection. I was breached in Louisiana. The Breach was XXXX, XXXX and Louisiana XXXX. All my information was taken and used. My information was to create accounts. They have my driver 's license and social security number and my addresses. I have been told they was opening up accounts online and requested personal information in which they have. Especially bank accounts, Loans, I now have life lock. I was also reported to TeleCheck for something that has nothing to do with me. I'm accused in the so-called information that it was me because they have my information. They have XXXX in which it was my bank. My money was taken out it was XXXX dollars in bits and pieces. I don't know who did it. All together I had XXXX taken from me. So I know about the identity theft that had been going on. These accounts are part of identity I'm talking about. XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX Bank in which they closed my account. My direct deposit was being taken. I went there like always it was said it was me doing. I was told at XXXX in XXXX La. I had the same information as someone else. I'm like can I get the information. Because I just cashed a check there. I didn't. They couldn't provide the information. I had my birth certificate and social at the time on me. That what got me not being arrested that day. The clerk also said we look alike I'm shorter and thicker. I don't know. Apartments also. I see so many addresses that not mine. Cell phone companies like XXXX. XXXX companies XXXX. It's not mine They also have a lot of inquiries that is on my report. Only inquiry should be there is XXXX XXXX Its a loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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:
All I know it appeared on my credit report as a collection. I was breached in Louisiana. The XXXX was Equifax, XXXX and Louisiana XXXX. All my information was taken and used. My information was to create accounts. They have my driver 's license and social security number and my addresses. I have been told they was opening up accounts online and requested personal information in which they have. Especially bank accounts, Loans, I now have life lock. I was also reported to TeleCheck for something that has nothing to do with me. I'm accused in the so-called information that it was me because they have my information. They have XXXX in which it was my bank. My money was taken out it was XXXX dollars in bits and pieces. I don't know who did it. All together I had XXXX taken from me. So I know about the identity theft that had been going on. These accounts are part of identity I'm talking about. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Bank in which they closed my account. My direct deposit was being taken. I went there like always it was said it was me doing. I was told at XXXX in XXXX La. I had the same information as someone else. I'm like can I get the information. Because I just cashed a check there. I didn't. They couldn't provide the information. I had my birth certificate and social at the time on me. That what got me not being arrested that day. The clerk also said we look alike I'm shorter and thicker. I don't know. Apartments also. I see so many addresses that not mine. Cell phone companies like XXXX. XXXX companies XXXX. It's not mine They also have a lot of inquiries that is on my report. Only inquiry should be there is XXXX XXXX Its a loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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:
I recently reviewed my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts immediately, they are hurting my ability to obtain credit.

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 2024-03-30 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: GA

Complaint narrative:
XXXX, equifax and XXXX are continuing to report inaccurate information. According to the FDCPA and the FCRA, all accounts are supposed to report accurately and attached you can see they are all reporting differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: GA

Complaint narrative:
XXXX, XXXX and experian are continuing to report inaccurate information. According to the FDCPA and the FCRA, all accounts are supposed to report accurately and attached you can see they are all reporting differently.

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 2024-03-30 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: MN

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
In XXXX and XXXX of 2023 I made a late payment as a result of XXXX and XXXX. I reached out by sending a letter of good will and a automated message told me they can not remove it. It's impossible to get to someone directly, I've tried to email the CEO but the email comes up as invalid.

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 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I reviewed my credit reports and Portfolio Recovery Associates collection agency put a flag on all my credit reports. I never done business nor signed any contract or owe any debt. This is a violation of 15 US 1681, AND 15 US 6802. Remove this off my credit reports immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: GA

Complaint narrative:
Good afternoon, Someone got into my car and stole my bag with my personal items In it along with my daughters medicine. I called my bank to inform them because I immediately noticed charged to my debit card, I called them with enough time for them to block charges but was told to wait a few day only for them to tell me they are taking my debit card privileges and no reason. I asked for an appeal which they said someone will call me with in 48 hours and nothing yet. I have been unable to use my card or XXXX XXXX. And they said this is for 12 months. Please help me. They havent even given me my provisional credit

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 2024-03-30 00:00:00
Product: Credit 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: NY

Complaint narrative:
My PC Richard/Synchrony store credit card was out of my possession ( likely lost or stolen ). A purchase was made at a PC Richard store using this stolen card, however the person making the purchase provided an address, phone number and email address that did not match any of the information on my PC Richard account or my PC Richard/Synchrony bank credit card account. 

I called in XXXX to dispute these transactions and was told that the address on file had recently been changed to the fraudulent address ( XXXX XXXX XXXX, XXXX, NY XXXX ). The agent indicated that the transaction and account had been flagged as a result of this address change. 

I never received documents indicating the resolution or closing of the case. On XX/XX/XXXX I reviewed my credit report which stated that my PC Richard/Synchrony account has a past due balance. When I called Synchrony bank to inquiry about this, they stated that the dispute was not found in my favor because the purchase was made in person and the card was swiped. 

I reopened the case with Synchrony, however my complaint is 2 fold : 1 - I was never provided with notification that the dispute case was closed.

2 - Synchrony bank noted a potentially fraudulent address when the purchase was made and permitted the transaction to be completed. Further, when I called Synchrony in XXXX, they verified my identity through confirmation of my SSN as well as through a secure link using facial recognition and a photo of my holding government-issued id. The dispute investigator did not take into consideration the contact information difference between what was on my PC Richard/Synchrony account and the invoice that Synchrony stated the merchant provided to them on XX/XX/XXXX. I have requested that the dispute case be reopened and I have provided them with the merchant provided invoice, my address dispute with XXXX to support the fraudulent address and my claim that I did not perform the transaction. 

In the meantime, my credit score has dropped XXXX points and needs this needs to be corrected ASAP. I did not perform these transactions and Synchrony must perform an adequate review of the information provided. A simple review of the address, phone number and email differences from the merchant-provided invoice and my information on file with PC Richard/Synchrony along with my identity verification and dispute is plenty of evidence to find in my favor and remove the past due status on my account.

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 2024-03-30 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account on my credit report. Please remove this account from my report. It is hurting my ability to obtain credit.

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 2024-03-30 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: FirstPoint Collection Resources
State: LA

Complaint narrative:
All I know it appeared on my credit report as a collection. I was breached in Louisiana. The Breach was XXXX, XXXX and Louisiana Dmv. All my information was taken and used. My information was to create accounts. They have my driver 's license and social security number and my addresses. I have been told they was opening up accounts online and requested personal information in which they have. Especially bank accounts, Loans, I now have life lock. I was also reported to XXXX for something that has nothing to do with me. I'm accused in the so-called information that it was me because they have my information. They have XXXX in which it was my bank. My money was taken out it was XXXX dollars in bits and pieces. I don't know who did it. All together I had XXXX taken from me. So I know about the identity theft that had been going on. These accounts are part of identity I'm talking about. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which they closed my account. My direct deposit was being taken. I went there like always it was said it was me doing. I was told at XXXX in XXXX La. I had the same information as someone else. I'm like can I get the information. Because I just cashed a check there. I didn't. They couldn't provide the information. I had my birth certificate and social at the time on me. That what got me not being arrested that day. The clerk also said we look alike I'm shorter and thicker. I don't know. Apartments also. I see so many addresses that not mine. Cell phone companies like XXXX. Cable companies XXXX. It's not mine They also have a lot of inquiries that is on my report. Only inquiry should be there is XXXX XXXX Its a loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: MA

Complaint narrative:
A company called Allied Account Services , INC, located at XXXX XXXX XXXX, XXXX, NY XXXX. Report to XXXX and XXXX some collection charge from XXXX XXXX XXXX. I filed a dispute with the credit bureau because I have no idea who this collection agency is. They sent me a report showing me owing XXXX XXXX for dates I never lived at the property they listed. I bought a house and closed on my house XX/XX/2022, and moved in XX/XX/2022. I called the utility company and asked them to transfer the electricity to my new home which they did. I don't know why they didn't disconnect the other service. 
I called Allied Account Services Inc. several times at the following number no one ever answers the phone, in fact there are no greetings letting the consumer know that they are calling the correct company, just a recorder saying, " leave a message. '' Very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A professional scam artist portrayed himself as a licensed contractor, took a check from me and made up the number he wanted to be deposited and deposited it. I tried reaching out and fighting my bank and they were not able to help. Based on the information i have seen now seeing this guy is famous for scamming in XXXX california. He builds trust and then tries to take all of your 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 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
I received a solicitation from XXXXXXXX XXXX Master card if you open and spend {$1500.00} within the first three months you will receive XXXX points and XXXX tier credits, they only gave me XXXX and said that was all I was entitled to.

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 2024-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/2024 Regional Acceptance automated system stated I had a payment due of {$1000.00} due XX/XX/2024. I paid {$1000.00} Mailed Express signed Delivery on XX/XX/XXXX. Regional Acceptance signed and picked up my payment on XX/XX/XXXX at XXXX XXXX on XX/XX/XXXX at the XXXX North Carolina post office at XXXX XXXX XXXX zip code XXXX. I have a typical monthly payment of $ 328 monthly. They are still stating and reporting I owe {$1000.00} and I dont. 
Not only has Regional Acceptance refused my calls by intentionally disconnecting them. Regional Acceptance has also blocked me from making any type of payment should I attempt to log into my account, they also have intentionally programmed their automated system to decline any type of payment I present by stating it did not go through or it was declined. ( This is intentional ) There is currently a campaign to gather signatures for a class action lawsuit for the same issues that Im currently having so Regional Acceptance is abusing customers across the country.

Currently, regional Acceptance is sending billing statements showing that I have past due amounts in the thousands and I do not. The payoff amount for this vehicle itself is under {$5000.00}. 
How my payments are being posted or applied has me concerned as I think they have not only secretly changed my interest rate but are not applying monies accordingly to the interest and principle. This company and its representatives consistently threaten or lie to consumers should they feel like answering phone calls.

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 2024-03-30 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: MN

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-30 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: MN

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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