vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission, filed a complaint, contacted the police department, and obtained a police report, which both are attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account number XXXX Account number XXXX REPORTING-Status Open. {$930.00} past due as of XX/XX/2023. STATEMENT REFLECTS PAST DUE OF Pay This Bill : USAA FIXED RATE LOAN XXXX Bill is past due Your minimum payment includes a past due amount of {$2800.00}. Please make a payment now. 

To avoid additional late fees and further impact to your credit history, you must pay the full minimum due by your next payment date. 
This is an attempt to collect a consumer debt and any information obtained may be used for that purpose.

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: DISCOVER BANK
State: CO

Complaint narrative:
I received counterfeit clothing, when I tried to make a dispute, discover was no help to me at all. Discover asked me for a second opinion letter in which I sent them a screenshot of a email from XXXX saying the item was fake/ counterfeit. Discover was still no help to me even with the provided documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 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:
XXXX, EQUIFAX, AND XXXX after repeated attempts, online disputes files, phone calls to all agencies refuse to remove ALL Charge-offs from my credit reports. They E_oscar the information " validating '' debt. The issue of whether I had an account was NOT the problem!!! They are ILLEGALLY reporting income. According to 15 USC 1681 ( b ) INCOME IS NOT REPORTABLE!!

The I.R.S. clearly defines a CHARGE-OFF as ORDINARY GROSS INCOME!! Reference Title 26 1.6050P-1 12 C.F.R. 1.61-12 I have sent them this information in disputes to no Avail!!! 15 USC 1681n Liability for noncompliance.

These companies are securitizing peoples data. SEC I will be filing a 211 report if this isnt fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: VT

Complaint narrative:
I was part of an promotional plan that would end XX/XX/XXXX. My XX/XX/XXXX statement said that XXXX was due by XX/XX/XXXX to avoid assessed interest. On my XX/XX/XXXX statement it is clearly listed that I paid XXXX on XX/XX/XXXX. My XXXX statement also indicates that I owe XXXX by XX/XX/XXXX to avoid assessed interest. For a few months I thought this was an error and it would be corrected. It has not. I started calling in the summer of XXXX and have called at least 6 times since then and I have used their message option on their website. I am promised that it will get rectified and they have even credited me back the interest that they have charged me but no one will look into why I am being charged. I pay my statement off in full every month. I have been told that you can't work with one person and they will not call you. They sent my issue to the complaint dept and I was awarded {$2.00}. I dont know where they came up with that or why. I feel like a XXXX. 
I can't just stop using the card because of the accruing interest. It has been almost a year now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: CO

Complaint narrative:
I was lead to believe XXXX had authentic branded luxury apparel similar to XXXX  but unfortunately it turns out the merchandise was all counterfeit. How upon noticing this I immediately contacted Wells Fargo and followed all steps in the 13.4 XXXX  counterfeit merchandise rules and guidelines even after sending in XXXX separate second opinion letters Wells Fargo is still denying to even file my dispute they even went as far as to remove the credit some now my account remain overdraft but I have every right to dispute counterfeit merchandise. I have made numerous attempts only to be stonewalled when I have sent all the documents that I could get in a reasonable time frame. I feel completely unprotected as a consumer.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Code : 15US1666b There is NO law that any transaction must be reported. I am writing to request that you assist me in having my auto late payments REMOVED from my credit report ( XXXX ) XXXX Also, provide me details of my rights to " privacy and consent '' considering I did NOT give consent for Bridgecrest consent to report late payments to anyone, including posting on my credit report. 

As a result of the pandemic, I kept in contact with Bridgecrest Financial and applied for their payment assistance in XXXX, XXXX. I was current with my payments until COVID interfered with the economy resulting to having take off my job and losing my job. I did not fail to notify Bridgecrest Financial of my temporary financial hardship, wherefore they offered me a payment arrangement to cover late payments from XXXX, XXXX, XXXX. Unfortunately, upon maintaining the payment arrangements, Bridgecrest Financial failed to inform me that the late payments would still reflect on my credit report, resulting to low credit scores and denial of future credit, etc. I've disputed the late payments reported and Bridgecrest Financial refuse to remove the late payments, even though they failed to inform me that the arrangements would affect my credit. 
Prior to the pandemic, my auto payments were paid ON-TIME, and I acted swiftly once I was affected by COVID to avoid a bad/poor payment history ; however BC has not honored my commentment even though I have been current since paying off the lates in XXXXXXXX XXXX 

I have NOT given Bridgecrest permission to report such late payments to the credit bureau, not rendered to 3rd parties as a result to credit denial. 

Please assist me in having the late payments REMOVED from my 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 explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I have tried to resolve this issue in several different manners throughout the past few years. Unfortunately, it has not been possible since this is a joint account. The other owner is incapacitated and has been for two years now. During the beginning of that time ( XX/XX/XXXX ) I was making on-time payments myself and had taken the responsibility for the account over without even having the car in my possession. I had tried during that time to work with law enforcement and had several court cases from XXXX til XXXX to get the car finally back in my posseion. However, the joint owner 's mother claimed to have power of attorney and did not want to cooperate with a voluntary surrender. Thus leading to an illegal repossession of my property. The company held no lien or sufficient evidence over the car during that period. This caused a lot of distress to me because I went from being perfectly fine with no bills then I was required to pay and take over this account. Eventually, the car was discharged and they still are illegally trying to collect money from me over this car. I know that a charge-off is considered a certificate of indebtedness which is income. Per 15 USC 1601-1605 it is illegal to report income on a credit report. I have tried using all my rights with Ally Ally Financial such as opting out from reporting per 15 USC 6805. I have told them all my other rights like reporting late payments are illegal per 15 USC 1666B ( a ) & it is illegal to report collections 15 USC 1681. I had never received any disclosure before all this detrimental false and misleading information was reported without my consent. There was a violation of my privacy and my whole life has been affected by this one account alone. I was denied many different things that I needed for myself to live comfortably. According to the privacy act of 1974, I have had a plethora of rights violated and I need monetary compensation no less than the amount they are illegally trying to collect from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my report and identified inaccuracies. I submitted a letter to XXXX on XX/XX/2024. However, it has been over 35 days, and there has been no response from the credit bureaus. This exceeds the time limit specified in 15 USC 1681i ( a ) ( 1 ) ( A ), indicating a violation. In summary, under 15 USC 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the completeness or accuracy of any information in their consumer file with a consumer reporting agency, the agency must, free of charge, conduct a reasonable reinvestigation. This process aims to determine the accuracy of the disputed information and update the current status within 30 days of receiving the consumer 's dispute notification. The agency may also delete the disputed item from the file if necessary.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am XXXX XXXX, a consumer, and this is my last and final complaint before I proceed with legal action. I have already made a complaint with your company and I received your last correspondence last year from your company stating that your company was accurately reporting the information to the consumer reporting agencies. Your company does have any jurisdiction to collect a debt here in Georgia and this " debt '' you're trying to collect on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MO

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 explanation
Consumer complaint received 2024-02-06 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The company in question, NAVY FEDERAL CREDIT UNION and other consumer reporting agencies such as XXXX, XXXX and XXXX and reporting account information without my consent. This is a clear violation of The Privacy Act of XXXX, 15 U.S. Code 6802 and 16 CFR 313.7

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: TX

Complaint narrative:
on XX/XX/XXXX I received an alert on my credit monitoring system about a supposedly owed debt on the amount of {$18000.00} to XXXXQ Data Internacional from a creditor named XXXX XXXX XXXX  XXXX XXXX XXXX ( TX ) allegedly obtained on XX/XX/XXXX. 

The same situation happened last year where my identity was stolen and used by a different apartment complex also located in XXXX XXXX, Texas. It was a burden and a stress to go through the process of proving that my identity had been stolen and I did not obtain such debts. I don't want to go through all of that hassle again. 

So I am attaching all documentation from last year 's complain, along with the police report. My credit has been frozen since XX/XX/XXXX, and credit alerts has been in placed on all bureaus before this incident and yet, there are creditors that doesn't even perform a proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them 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 non-monetary relief
Consumer complaint received 2024-02-06 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: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-02-06 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: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
On or around XXXX of XXXX someone made a contract with XXXX using my identity to get service. When i went to purchase a car in XX/XX/XXXX I had discovered the fraudulent act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: WI

Complaint narrative:
I opened an checking/savings account at Laurel Road on XXXX. I didn't have any issues until I finally tried to withdraw my money. I have over XXXX XXXX in the account and at the time the account was frozen. They claimed it was due to fraud and asked if I XXXX XXXX XXXX to which I said yes. They said they would forward this info and I should hear back. It has been over XXXX weeks and they won't release the funds. I need the money to pay off a credit card bill. They told me they can't even close the account and send me my money. Basically they are holding my money without letting me access it with no visibility to when I will get my funds. If I miss this credit card payment it will result in a high fee which is unacceptable. I need Laurel Road to unlock my account at which time I will remove my money and close the account. This is very unacceptable for a bank to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have been working with a amex worker appointed by previous complaints for a number of months and it has led nowhere. I will be sending a complaint every single day until i either get my funds returned PLUS the interest that has accumulated since the birth of my account. Or i get in contact with someone with the power to get my funds released with in a week. If either of these are not met i will continue to send in complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 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: CT

Complaint narrative:
TRANSUNION, XXXX, AND XXXX after repeated attempts, online disputes files, phone calls to all agencies refuse to remove ALL Charge-offs from my credit reports. They E_oscar the information " validating '' debt. The issue of whether I had an account was NOT the problem!!! They are ILLEGALLY reporting income. According to 15 USC 1681 ( b ) INCOME IS NOT REPORTABLE!! 

The I.R.S. clearly defines a CHARGE-OFF as ORDINARY GROSS INCOME!! Reference Title 26 1.6050P-1 12 C.F.R. 1.61-12 I have sent them this information in disputes to no Avail!!! 15 USC 1681n Liability for noncompliance.

These companies are securitizing peoples data. SEC I will be filing a 211 report if this isnt fixed 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 2024-02-06 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: CT

Complaint narrative:
XXXX, XXXX, AND EXPERIAN after repeated attempts, online disputes files, phone calls to all agencies refuse to remove ALL Charge-offs from my credit reports. They XXXX the information " validating '' debt. The issue of whether I had an account was NOT the problem!!! They are XXXX reporting income. According to XXXX USC XXXX ( b ) INCOME IS NOT REPORTABLE!! 

The I.R.S. clearly defines a CHARGE-OFF as ORDINARY GROSS INCOME!! Reference Title XXXX XXXX XXXX C.F.R. XXXX I have sent them this information in disputes to no XXXX!!! XXXX USC XXXX Liability for noncompliance. 

These companies are securitizing peoples data. SEC I will be filing a XXXX report if this isnt fixed 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