vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
This charge was assumed from XXXX which was for a purchase that I never made. I protested the charge with XXXX  several times and filed a police report. The charge was even made without the use of my credit card. Someone used my name and the store clerk looked up my account number and allowed the charge to go through. 

I have also protested to the credit reporting agencies to no resolve. I am asking for this to removed from my credit reports as it is identity theft and XXXX XXXX  has not responded appropriately. 

XXXX XXXX  {$470.00} XXXX  Suggested Account # XXXX Status Original Creditor COMENITY BANK Creditor Type Collection services High Balance {$470.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXX Remarks Completed XX/XX/XXXX Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Completed XX/XX/XXXX I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-28 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: LA

Complaint narrative:
in accordance with the Fair credit Reporting ack.

The list of accounts below has violated my Federally protected Consumer rights to privacy and confidentiality under 15 U.S.C 1681 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  - 15 U.S.C 1681 seca602 1. states I have the right To privacy.

-15 U.S.C 1681 sec. 604 - Sec. 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions -IS U.S.C 1681c. ( A ) ( 5 ) sec. States : no consumer reporting agency may make any consumer report containing any of the Following items of information any adverse item of inFormation, other than records of convictions of crime which antedates the report by more then seuen years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention an urgent matter regarding unauthorized debt collection activity by XXXX XXXX XXXX XXXX in the state of Florida. 

It has come to my attention that XXXX XXXX XXXX XXXX does not possess a valid license to collect debt in the state of Florida as required by law. Pursuant to Florida Statutes Chapter XXXX Part VI and RULE XXXX, any entity engaging in debt collection activities within the state must hold a valid license issued by the appropriate regulatory authority. 

Despite lacking the requisite licensing, XXXX has continued its attempts to collect a debt from me for the last XXXX years XX/XX/year>. This conduct is not only in violation of Florida law of the Statue of Limitation in Florida : The statute of limitations in Florida on debt is five years. This means that once the five-year timeline has expired, creditors can no longer file a lawsuit against the borrower to try and recover the debt but this is also a breach of my rights as a consumer. 

I demand that you immediately cease all reporting and collection efforts related to the debt in question. Furthermore, I expect you to thoroughly investigate the matter and ensure that XXXX XXXX XXXX XXXX ceases its unauthorized activities to this alleged debt. 

If I continue to receive communications or notices related to this unauthorized debt collection, I will have no choice but to pursue legal action against both XXXX XXXX XXXX XXXX and your agency for their roles in this matter. 

As per Florida law, the licensing number of any entity engaged in debt collection activities must be provided to consumers. Therefore, I request that you verify and confirm the licensing status of XXXX XXXX XXXX XXXX in the state of Florida. If XXXX XXXX XXXX XXXX can not provide a valid license number, I urge you to take immediate action to rectify this situation. 

Please provide written confirmation of the actions taken in response to this letter within 14 days or remove the report alleged debt from my credit report. Failure to comply will leave me with no option but to escalate this matter further legally. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear XXXX, I am writing to bring to your attention an urgent matter regarding unauthorized debt collection activity by XXXX XXXX XXXX XXXX XXXX XXXX state of Florida. 

It has come to my attention that XXXX XXXX XXXX XXXX does not possess a valid license to collect debt in the state of Florida as required by law. Pursuant to Florida Statutes Chapter XXXX Part VI and RULE XXXX, any entity engaging in debt collection activities within the state must hold a valid license issued by the appropriate regulatory authority. 

Despite lacking the requisite licensing, XXXX has continued its attempts to collect a debt from me for the last XXXX years XX/XX/2017. This conduct is not only in violation of Florida law of the Statue of Limitation in Florida : The statute of limitations in Florida on debt is five years. This means that once the five-year timeline has expired, creditors can no longer file a lawsuit against the borrower to try and recover the debt but this is also a breach of my rights as a consumer. 

I demand that you immediately cease all reporting and collection efforts related to the debt in question. Furthermore, I expect you to thoroughly investigate the matter and ensure that XXXX XXXX XXXX XXXX ceases its unauthorized activities to this alleged debt. 

If I continue to receive communications or notices related to this unauthorized debt collection, I will have no choice but to pursue legal action against both XXXX XXXX XXXX XXXX and your agency for their roles in this matter. 

As per Florida law, the licensing number of any entity engaged in debt collection activities must be provided to consumers. Therefore, I request that you verify and confirm the licensing status of XXXX XXXX XXXX XXXX in the state of Florida. If XXXX XXXX XXXX XXXX can not provide a valid license number, I urge you to take immediate action to rectify this situation. 

Please provide written confirmation of the actions taken in response to this letter within 14 days or remove the report alleged debt from my credit report. Failure to comply will leave me with no option but to escalate this matter further legally. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This charge was assumed from XXXX which was for a purchase that I never made. I protested the charge with XXXX  several times and filed a police report. The charge was even made without the use of my credit card. Someone used my name and the store clerk looked up my account number and allowed the charge to go through. 

I have also protested to the credit reporting agencies to no resolve. I am asking for this to removed from my credit reports as it is identity theft and Midland credit has not responded appropriately. 

XXXX XXXX  {$470.00} XXXX  Suggested Account # XXXX Status Original Creditor XXXX XXXX  Creditor Type Collection services High Balance {$470.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXX Remarks Completed XX/XX/XXXX Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Completed XX/XX/XXXX I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to file a complaint regarding the abrupt closure of all my Chase credit card accounts without any prior notification. Chase has cited fraudulent reasons for this action, which I vehemently deny. 

I have been a loyal Chase customer for over eight years and have consistently paid my credit card bills on time. The decision to close my accounts due to alleged fraudulent activity is baseless and has caused me significant inconvenience. 

Furthermore, the sudden closure has rendered my accumulated reward points, worth hundreds of dollars, inaccessible. I have also paid XXXX XXXX XXXX in membership fees for this year, which is yet to end. 

I urge Chase to thoroughly review my account and promptly reinstate my credit cards. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-28 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-05-28 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: WI

Complaint narrative:
I called the credit reporting agencies letting them know the inquires and accounts below are unauthorized/ not supposed to be visible on my consumer report. I Never gave them permission or consent to report them. This Aggravated identity theft. 
FTC document included below. 


Aggregated identity theft 18 USC 1028A

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 2024-05-28 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: WI

Complaint narrative:
I called the credit reporting agencies letting them know the inquires and accounts below are unauthorized/ not supposed to be visible on my consumer report. I Never gave them permission or consent to report them. This Aggravated identity theft. 
FTC document included below. 


Aggregated identity theft 18 USC 1028A

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: 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.

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 informationisinaccurate.

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 2024-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I sent a complaint to the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I was given instructions to contact the Consumer Financial Protection Bureau about the same complaint in refer to my New XXXX credit card account. I am unable to call them because on the caller ID the phone number shows Scam. I lost the new card and my bill is due soon. When I attempt to sign in by internet it shows I'm logged in then ask me to log in again to my account to view credi card payment information. Each attempt I am not given access to log in. My problem is the caller ID shows a suspicion of fraud and I am unable to contact XXXX about the lost credit card.

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 2024-05-28 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/24 I booked and paid for a hotel reservation through a supposed hotel-booking website called " XXXX ''. Once I arrived at the hotel ( a XXXX XXXX location ) to check-in, I was told they had found my reservation but no payment had been made. I was then made to pay for the entire reservation again, and I have attached a receipt showing this entire separate payment directly to the hotel. 

At this point, I realized I had been defrauded by the " merchant '' in question, and explained this to the Apple Card Support team. They opened a dispute on XX/XX/24. I followed up with the Apple Card Support team every few weeks after this date, because this seemed like an obvious case of merchant fraud and I was confused why it had yet to be resolved. Ultimately, on XX/XX/24, I received an email stating that the 'dispute had been resolved in the merchant 's favor '. It seems the standard Apple Card Support team is ill-equipped to deal with this obvious case of merchant fraud, and as a loyal Apple customer I am disappointed that this is the case. I would like this to be resolved immediately, and for the Apple Card Executive team to share what steps they will take in the future to prevent having to escalate such a simple case through the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-28 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: 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 2024-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
An insurance check in the amount of {$220.00} from my home owners insurance policy was sent to Shellpoint Mortgaging Servicing for endorsement. They are currently refusing to endorse and return the check. The repairs were completed and they sent an inspector to access that the repairs were actually completed. They were provided receipt of payment to the contractor that the repair was completed. However, the are requesting additional documents at this time and the contractor can not be reached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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