vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: V and H Portfolio
State: MD

Complaint narrative:
Subject : Formal Dispute and Demand for Immediate Removal of Fraudulent Charges Identity Theft Dear Sir/Madam, I am writing to formally dispute the fraudulent charge of {$3200.00}, referenced under account number XXXX, which I believe to be the result of identity theft. I did not authorize this transaction, and I have no affiliation with the account or any agreements pertaining to this charge. 

Under the Fair Credit Reporting Act ( FCRA ), as enforced by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to dispute any inaccurate or fraudulent information related to my credit file, and I request that you take immediate action to resolve this matter. Specifically, I demand that you : Remove the charge of {$3200.00} from my account immediately. 
Provide confirmation in writing that the charge has been removed, and that this fraudulent activity will not impact my credit history. 
Failure to resolve this dispute within the legally required timeframe will result in further actions, including but not limited to a formal complaint filed with the CFPB and potential legal action. If this matter is not resolved promptly, I will be forced to pursue legal remedies for damages, including filing a lawsuit for the violation of my rights under the Fair Credit Reporting Act and other applicable laws related to identity theft and consumer protection. 

Please treat this matter with the utmost urgency and respond to me in writing at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
To Whom It XXXX Concern, I am submitting this formal complaint and request for investigation regarding ongoing violations of my consumer rights by Credit Collection Services ( The CCS Companies ). I am disputing all debts you claim I owe and am revoking any consent for you to contact me via call, text, or email. Credit Collection Services ( The CCS Companies ) has failed to adhere to specific consumer protection regulations, and I believe my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) are being violated.

In accordance with the following laws, Credit Collection Services ( The CCS Companies ) has not met the legal standards for communication and debt validation : 1. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) You have failed to accurately disclose all information about the debt you are attempting to collect, which affects my ability to fully understand and assess this debt.

2. 12 CFR 1006.34 ( b ) ( 5 ) You did not provide me with clear information about my rights to dispute the debt, as required under this regulation.

3. 12 CFR 1006.34 ( d ) The required disclosures have not been provided within the necessary timeframe, preventing me from making informed decisions regarding the alleged debt.

4. 15 U.S.C. 1681s-2 ( 7 ) ( A ) Your continued reporting of this debt without substantiation and in violation of these regulations is materially damaging my credit report.

Im unaware of this debt and I didnt have an opportunity to to dispute this debt. I didnt receive proper notification of this debt, if in fact you believe you gave me proper notification of this debt then please provide certified receipt with my name and signature stating I received it.

In addition to disputing this debt and revoking all forms of communication, I am formally requesting : Debt Validation Verification of the validity of this debt as required under the FDCPA.

Purchase Agreement Proof of the original purchase agreement between the original creditor and Credit Collection Services ( The CCS Companies ) that demonstrates your authority to collect on this debt.

Licensing and Bonding Documentation Proof that Credit Collection Services ( The CCS Companies ) is licensed and bonded to operate within my state. 

This situation has caused me considerable distress, and I respectfully request that you provide the requested information in compliance with federal regulations. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
asked equifax and mercahants credit to verify the debt, by requesting whom they verified the debt with and who the spoke with and I have not received a answer. As its said to be a medical debt, hippa laws and FCRA protect me from these violations. next step is litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/year> I received via XXXX a letter from NetSpend announcing that my new Netspend XXXX Account had been created in my name. A new XXXX debit card was attached. I am concerned that an unknown party XXXX have used my identity to open this account. I attempted to contact Netspend by telephone, but the automated system offered no way to speak to a representative about the letter. I then wrote an email to the Netspend customer service department outlining the issue and requesting a response. I have not heard back from Netspend, either by email or by telephone. Netspend appears to be acting in concert with the bank XXXX, XXXX as well as 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 2025-01-03 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: CT

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Hi, XXXX you are doing well and XXXX XXXX XXXX. I recently opened an account with XXXX, because Id like to use their 4 % APY saving accounts. Unfortunately, there is something come up and I need to use the money, so I try to transfer the money back to my bank, they called me to confirm my withdrawal, they approved it then went ahead and restrict my account. XXXX unsure of what to to because this is the first time something like this happen to me. I try to call their customer service multiple times, but they didnt give me any answer and told me to wait. I hope you could help me with this. Please let me know if you need any additional information. Hear from you soon. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: GA

Complaint narrative:
I was part of XXXX XXXX XXXX Breach Settlement and I am filling this FTC Identity Theft Affidavit to report XXXX separate accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts have resulted in a fraudulent hard inquiries from XXXX XXXX  and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

This CFPB compliant has been filed to request pursuant of FCRA 605B ( 15 USC 1681c-2 ) that you, Transunion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft during the XXXX XXXX XXXX and XXXX within XXXX business days of you receiving this compliant. This fraudulent inaccurate and false information consist of a personal credit card account opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attach a list of the hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiry in questions as well as a copy of the itmes. I do not recognize the aforementioned accounts, collections and hard inquiry appearing on my consumer report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts collections and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identify Theft Criminal Complaint case number as proof form the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiry are result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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.

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On or about XX/XX/year> i notified Equifax that there were some things on my credit report that I did not recognize. I sent them instructions to block and delete the accounts due to the Data Breach ( XXXX XXXX XXXX ( a ) which were in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$2900.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX AND # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Each Month, since about XX/XX/year>, each time I try to log in to pay my monthly bill, I am met with a security authentication screen that wants to send me a code via email I have paid my payment from the same PC since the opening of the credit card. The problem here is they do not send the code for several hours, sometimes even days. By the time I get the code it is often expired, and I must start the authentication process over. Since XXXX it has gotten extremely worse to the point where it is causing me to pay late.

I try calling, to make the payment & its a {$9.00} fee to process the payment over the phone. The other option is to go to the nearest store. I do not have a store closer than XXXX minutes away. 
I have called in each month and asked someone to look at this, as I am unable to make my monthly payment without incurring fees. In XXXX, customer service rep advised she is submitting a ticket. 
XX/XX/XXXX I attempt to make my payment via online, I am met with the same authentication problem. XXXX hours goes by, no code is ever emailed to me. XX/XX/XXXX, day payment is due, I attempt again. 
Same thing, I must wait for email code. XXXX Still no code, I try again. By this time, I am getting busy at the salon and time got away from me. I check again at XXXX, still no code, I log back in, attempt to sign in I still need the code, the cut off to pay online or via phone is XXXX. The XXXX came at XXXX too late to pay online. Exact same thing that happens every time. XXXX super upset, call in customer service, ask for a manger, I only get hung up on. Called back, they put me on hold for XXXX minutes, then the line disconnected. I close my salon and race to XXXX XXXX to pay the bill. The manager there refuses to let me pay, because I didnt have my ID on me. I left it at my salon. There is nowhere, in the terms and agreement, or anywhere on how to pay, does it say, I have to have a drivers license to pay my bill. My DL Has nothing to do with the payment. Absolutely nothing. I had my bill, my credit card, several other cards, a social security card, everything, and she refused to take my payment.

The credit Card is the most difficult one I have ever had. I paid my balance in full and they still charge me interest. I complained about that, and now they refuse to allow me to make my payments on time.

This bank is not allowing me to authenticate myself before the payment cut off time, each month that I use this card. I want to make my payment, but they refuse access until after I have been charge late fees and interest. 
This is not fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-01-02 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
All XXXX Credit reporting companies have the wrong addresses, names, and other information.. My report should one name and one address, and all information should be correct.

XXXX

Company response to consumer: Closed with explanation