vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-12-28 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: PA

Complaint narrative:
I am writing to formally dispute several items on my credit report, which I believe contain inaccuracies and are unjustly affecting my credit score. I have carefully reviewed my credit report and I have identified discrepancies that require your immediate attention. 

**See letters about the details of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: MA

Complaint narrative:
As per checking on my credit report last two months ago, I saw these inaccurate addresses and name on the personal information section of the report. I tried contacting the credit reporting agencies by sending them letters requesting to remove these information because they are not mine. Upon checking my latest report last XX/XX/XXXX, these incorrect information are still there. 
-- 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-12-28 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: FL

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: National Credit Systems,Inc.
State: NY

Complaint narrative:
NATIONAL CREDIT SYSTEMS randomly put some alleged debt on my consumer report without first contacting me to verify with me if they could even report on my behalf. I have since sent a notice of dispute and debt validation letter with my current mailing address for them to confirm with me in writing the validity of such alleged debt but I was ignored and they continue to violate my rights as a consumer. The tracking number for the notice of dispute is XXXX and said notice was shipped on XX/XX/2023. According to the USPS official site NATIONAL CREDIT SYSTEMS received the notice XX/XX/2023 at XXXX. Included in the notice that NATIONAL CREDIT SYSTEMS received was instructions of a cease and desist where I notified NATIONAL CREDIT SYSTEMS in writing that they are to cease further communication with respect to such alleged debt except to advise me that NATIONAL CREDIT SYSTEMS further efforts are being terminated if they are unable to provide lawful proof of their claim, which they did not provide me with any documentation and intentionally ignored the official notice. In addition, NATIONAL CREDIT SYSTEMS is currently violating federal law, they continue to leave comments and change remarks on my credit report which is causing damage which the consumer report is a medium of communication and because that is the only form of any new information from them to me that action is another federal violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX  will not release a payment of {$15000.00} that I received on XX/XX/23. The first closed my merchant account then after review reopened my account. I received emails stating that the payment had been released to my bank only to receive an email on the day the funds were supposed to be in my account that they couldn't verify my account and additional documents would be needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NC

Complaint narrative:
formally dispute the claim made by Central Portfolio Control , Inc regarding an alleged debt of $ XXXX on behalf of XXXX . After a thorough review of my financial records, I can confidently state that I do not owe any money to XXXX, nor have I engaged in any business transactions with Central Portfolio Control , Inc. 

Thank you for your attention to this matter. I anticipate your prompt response to initiate the resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NC

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the Written permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 


To whom it may concern : I am officially asking you to review your data on file for me! Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
The store credit card is with Barclay 's Bank/Old Navy . The account was opened on XX/XX/XXXX. It is now a closed account. Barclay 's Bank is reporting a past due amount from XX/XX/XXXX until XX/XX/XXXX but the account is now closed. I called them on XX/XX/XXXX and asked them about payment arrangements. They never sent me anything in the mail in regards to our conversation back in XX/XX/XXXX. I also sent them a goodwill letter on XX/XX/XXXX. I heard nothing back from them so I called them to ask about the goodwill letter I sent them. They told me they never received the letter and asked me what address I sent it to. I gave them the address I sent the goodwill letter to and they told me the address was wrong. However, I got the address directly from Barclay 's Bank website.

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 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately I am attaching proof that XXXX has admitted that I was in fact, a victim of this data breach, and XXXX has done nothing please help me delete these illegal accounts from my credit report. List all those negative accounts  from your XXXX credit reports.Account names and account numbers and file your complaint with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a checking and savings account with Wells Fargo XXXX. I was repeatedly charged overdraft fees when money was available. Then in order to close my account I was charged over XXXX which was incorrect. In order to " clear my name '' I had to literally pay these fees.

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 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Propel, Inc.
State: FL

Complaint narrative:
Providers. XXXX refuses XXXX  XXXX  credit  after I disputed transaction XXXX  months XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
After submitting reasonable requests to Ally to prove they did not violate the law, they closed my account, ruining my XXXX XXXX and reputation for less than $ XXXX. 

Please take note of how Ally handles disputes and customers : - I called in several times this week to get on a hardship plan while awaiting the outcome of the investigation and they closed my account. 

- Consumers can only pay via a debit card if the account is past due. This policy hinders those who don't want ACH pulls or have difficulty managing their bank balances. 

- They harass consumers who are behind on their bills violating the FDCPA. 

Please fine 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 explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC

Complaint narrative:
since XX/XX/XXXX  i sent a money transfer via RIA, an amount of {$700.00}, the receiver didn't able to pick up the money. According to RIA the money transfer status is pending to pick up, but they still not returning my {$700.00}. 

i send email, i receive reply from supervisor saying that they will process the refund, i have send a few information that they request, but still not getting any response. whenever i call, after the put me on hold, they disconnect the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Transworld systems inc, XXXX XXXX. This account is not mine, I have successfully disputed before but they just keep changing the company used to report the debt and try to collect on SOMETHING THAT ISNT EVEN MINE!!!! I have zero absolutely zero to do with this account Ive asked for proof Ive asked and asked nothing, growing very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
On XX/XX/XXXX professional financial services continues to use false misleading deceptive practices I agree with thine adversary as I'm not under the law but under the grace of god I am XXXX XXXX the Master Merchant the implied surety I am the Security Certificate Holder of the principal Debtor/Franchise all proceeds are due unto me as I have right to subrogation as surety/Accommodation party. I demand my right of subrogation as it trumps the XXXX XXXX regard we as the beneficiary I demand my cash value in this transaction master everything all rights reserved without recorse

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX//23 I visited the XXXX store at XXXX XXXX in XXXX. As I was checking out, the cashier asked me if I wanted to open a new Sephora Credit Card account. He made three specific assertions to me : 1. that I'd get an immediate approval ( my credit rating is XXXX ) 2. I'd be able to apply a 25 % discount to my {$280.00} purchase 3. I'd be able to pay for the purchase using the new card. So I decided to apply. I did not receive any kind of response. The sales person said I needed to wait for the bank to communicate with me. I asked for the store manager, and asked him to make a call to the bank to find out what was happening. After speaking with someone unknown to me, he said that person wanted to speak with me. After asking me for some personal information, he proceeded to tell me the same thing-that he could not provide me with any information and that the bank would be contacting me. Well, the bank never contacted me either by phone, email or regular mail. I looked up the bank online - Comenity Bank - and found hundreds of comments from angry customers who were victims of the same scam : the bank approved cards for them but never sent the actual cards, and at year end, unbeknownst to them, they'd receive collection letters for the annual fee plus large late fees, and their credit score would also be reduced significantly because of the non payment of the card fees they didn't know about. So I decided to call Sephora credit card department and they told me they could not help me, that I needed to call the bank. So I called Comenity Bank at least twice, asking them for information about my case and they refused to give me any information. So as of today, XX/XX/23, it's been more than 10 business days since I was deceived into applying for this card, and I don't know if I was approved or denied, and I never received a call nor a card by mail. The bank has refused to provide any information about my application, and now, the only reason why I decided to open the account, which was the 25 % discount, is no longer available for my purchase. So, I respectfully request the CFPB to investigate Comenity Bank 's practices under the ECOA, and that they are required to delete the inquiry they made of my credit to XXXX and also, that they cancel any credit cards that they have issued in my name.

Company response to consumer: Closed with non-monetary relief