vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: DISCOVER BANK
State: MI

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX : This CFPB complaint has been filled to request pursuant to FCRA & 605B ( 15 U.S.C & 1681 c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the results of identity theft and fraud within 4 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 on XX/XX/XXXX, under account number XXXX, a XXXX  XXXX XXXX  account open XX/XX/XXXX under account number XXXX, a XXXX  XXXX credit account opened XX/XX/XXXX under account XXXX, a credit account opened at Discover Bank on XX/XX/XXXX under account number XXXX. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 inquires as reported. The aforementioned accounts, collections and hard inquires 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 result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
RENT RECOVERY SOLUTIONS placed an account with adverse information on my credit report with XXXX XXXX, XXXX, and XXXX. I never had any relations with the company and I never gave the company any direct consent to have, use or share my non public personal information. Therefore, making the possession, use and sharing of the information an act of identity theft. Also, accessing my credit reports to furnish false and misleading information is a violation of my right to privacy. I am seeking redress and compensation for being violated. I am aware that my consumer rights under the FDCPA allows for {$1000.00} compensation for failing to refrain from false and misleading representations and {$1000.00} under the FCRA for furnishing information to my credit report without my direct written consent. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Attached is a gift card for {$750.00} that when I went to use was used fraudulently and amex sent me new card and not sure why they decided to send to state when expiration date is XX/XX/32. However beside the point as I have been denied the usage of this gift card at everywhere American Express is accepted. The only place I have been able to use Amez Gift Cards is XXXX so I am asking for cash out on this gift card or the CFPB to adivse AMEX to stop advertising that their gift cards are accepted everywhere American Express is accepted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/XXXX I was XXXX  by my XXXX XXXX  and I overly defended myself so he called the police and I was XXXX  XXXXXXXX XXXX. The next day after I was XXXX  i found out my car was broken into wallet and phone was stolen and my funds for my RENT were used. I have made chime aware of this situation but they have only denied me saying atm withdrawal no error this is indeed an error because I was in XXXX  and did not authorize anybody to XXXX  from me and break into my car. Im very disappointed in chime Ive been a customer for over 8 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
To date, I have not received any written notice from the BRCLYSBANKDE  regarding this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). This initial written notice is crucial as it provides me with essential information, including the amount of the debt, the name of the creditor, and my rights to dispute the debt. According to the FDCPA, I am to receive written notice within XXXX days of their initial contact with the consumer. Since I have not received such notice, I have not had a fair opportunity to review the details of the debt and respond accordingly. 
Therefore, if BRCLYSBANKDE records indicate that attempts have been made to contact me regarding this matter, I need to receive proof of such attempts. 

Please also consider this letter a request to remove any negative reporting related to this debt from my credit files until such proof has been provided. 
Best regards, 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 2024-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This problem started in the pandemic. Prior to that in XXXX, we set up automated ACH payments with Ditech ( which were taken over by Shellpoint/New Rez at the time the problem started ). In XXXX and XX/XX/XXXX, I can prove with my bank statements, the servicer ( by that time Shellpoint/New Rez ) erroneously took five payments but did not give credit for two months of payments. Ever since XX/XX/XXXX, they have indicated I am two months behind, even though I can prove I have made every payment on time, and they appear to have lost in their system two months of payments in XXXX and XX/XX/XXXX. Since then, I retained an attorney and tried repeatedly to correct this but there appears to be no way other than involve the CFPB and/or the Attorney General or Consumer Department of XXXX  which I am also contacting. I have proof of all payments, but I will only attach the disputes and proof in XXXX and presently in XXXX and show that they are still saying there is a problem. It appears that the XXXX  Attorney General found that Shellpoint/ New Rez misapplied payments in XXXX  at the exact same time that this occured and the servicer reached a settlement there. My and my husband 's credit have been severely impacted wrongfully by this mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Following 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. Delete the accounts below : - DISCOVER FINANCIAL SER.06/04/2024. 
- XXXX. XX/XX/year>. - XXXX XXXX. XX/XX/year> 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 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I attempted to pay for a service rendered using by Banco Popular Checking Account XXXX debit card. Banco Popular deducted ( stole ) the {$1400.00} from my account and did not pay the vendor. The vendor likewise has a Banco Popular account. The vendor complained I had not paid his bill after 5 days. I went online to check if the transaction had processed. My online banking states ( and I printed the form ) that the transaction is in processing since XX/XX/XXXX. Today is XX/XX/XXXX. I called the bank. The bank found the transaction and said the funds would be released tomorrow. The bank stole my money and benefited from the use of my money for six days. The bank never attempted to reach me or inform me of a problem or delay. The bank stole my money and has damaged me emotionally as I am embarrassed that a vendor believes I do not pay my bills and may not provide services to me any more. I have been harassed by the vendor to pay a bill that was paid. I am denied the use of my money which had been entrusted to Banco Popular. I have been denied interest earnings on the stolen funds. Banco Popular solely benefited from stealing money from my bank account with them and fraudulently misappropriating the stolen funds for their on personal benefit. The Banco Popular representative named XXXX at the Banco Popular XXXX XXXX XXXX XXXX in XXXX stated that the funds would be released on XX/XX/XXXX. Banco Popular Puerto Rico, needs to have these practices investigated, publicly reported and admonished. Banco Popular needs to contact the vendor and apologize for its misappropriation of funds. Banco Popular should be fined and forced to apologize in writing. Banco Popular needs to pay me the interest I lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: WA

Complaint narrative:
Complaint regarding my inability to log online into my credit report. I have tried several time to log in, but have been unsuccessful. I have also attempted to contact the credit bureau for assistance, but have not received a response. 

The details of my issue are as follows : This is my first for XXXX  year I tried to check my credit report. 
I enter all the information to open up my account in the credit union.

All that I getting " unable to contact credit Karma please try again later. 
This happened all the time every day and I get tired and I stopped for a while and the go back again and the same story. Can you help me to resolve this problem. 
The name of the union bureau is XXXX Credit Karma, Web page that I using is, XXXX.creditkarmaXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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.
State: TX

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. 
XXXX with an account number XXXX, has violated my rights. 
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.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Unauthorized Hard Inquiries on Credit Report Dear CFPB, I am writing to formally dispute multiple unauthorized hard inquiries on my credit report that I noticed when I reviewed it on XX/XX/XXXX. I did not authorize these inquiries and request that they be removed immediately in accordance with Section 15 USC 1681b. 

The unauthorized hard inquiries are as follows : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX / XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX via XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX via XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX These inquiries were not authorized by me, and I kindly request your assistance in having them removed from my credit report. Unauthorized inquiries can negatively impact my credit score, and it is essential to address this matter promptly. 

Please confirm receipt of this letter and keep me informed of the progress and outcome of my dispute. If you require any additional information, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX 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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against BMW for the unlawful repossession of my vehicle, which has caused me significant distress and inconvenience. The details of the incident are as follows : On XX/XX/year>, BMW repossessed my vehicle without providing any prior notice or informing me of their intentions. According to the law, I am entitled to receive a certified notice before such an action is taken. Despite my repeated requests, BMW has failed to provide a certified copy or receipt showing that they notified me as required. Instead of addressing my concerns, BMW 's representatives rudely hung up on me, further aggravating the situation. 
Prior to the repossession, I made several attempts to contact BMW to inform them that my payment might be late due to a family emergency. Unfortunately, I was unable to reach them, as my calls went unanswered. 
The repossession was carried out in a highly unprofessional manner. BMWs tow truck driver came to my workplace, causing a significant disruption and creating a hostile environment. The driver not only used offensive language towards me but also directed rude remarks at my colleagues. His aggressive behavior was alarming and unacceptable. In which is a violation in the state of Florida UCC section 679.609 - 679.610 which is a Breach of peace.

I have had the vehicle for 3 plus years and I have a history of making timely payments and communicated any issues promptly. Despite this, BMW has refused to return my vehicle until the full amount owed is paid. This demand is unreasonable and a violation of my consumer rights as federal protected consumer & BMW is not considering my consistent payment history. 
The actions taken by BMW have clearly violated my rights as a consumer. I am requesting the CFPB 's intervention to address this serious matter. I seek the following resolutions : Immediate return of my repossessed vehicle. 
A formal apology from BMW for their unprofessional conduct and failure to notify me as required by law. 
Compensation for the distress and inconvenience caused by this incident. 
Assurance that such actions will not be taken in the future without proper notice. 
I trust that the CFPB will take swift action to rectify this situation and ensure that BMW complies with all legal requirements and respects the rights of consumers. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: OR

Complaint narrative:
XXXX XXXX {$6600.00} Opened XX/XX/year> Your company is currently reporting a negative listing to the XXXX major credit bureaus ( XXXX, XXXX XXXX, and Equifax ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. 
Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : Please verify this account belongs to me, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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