vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
To the CFPB I'm submitting this complaint against XXXX XXXX XXXX XXXX XXXX because this bank and or collection agency actually violated federal laws, FCRA, FTC. I have made contact by phone to ask them to validate these accounts. 
I was not aware of a legal action against my person back in XXXX. This collection agency acted unlawful by summing this action to collect two accounts that someone, with out my permission, was opened at XXXX XXXX XXXX XXXX XXXX. I need a full investigation on my behalf. I'm over XXXX XXXX XXXX XXXX and considered a XXXX XXXX. 
This account was never validated. Under federal laws, I need all documents when this account was open. I understand that XXXX XXXX XXXX XXXX XXXX. closed this account because of fraud. I am in need of the whole application and documents to be able to validate this account.

1 application 2 first day of delinquency 3 payment history 4 history of reporting to credit bureau 5 assignment of sale from EQUABLE ASCENT FINANCIAL LLC TO XXXX XXXX XXXX XXXX 
6 a break down of interest and fees 7 legal fees if applicable 8 name of the judge on the default judgment if applicable 9 bar number from the lawyer that submitted the complaint if applicable 10 collection agency number to collect in my state.

11 ACCOUNT # 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 2023-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted TransUnion regarding a request for the original signed verification of debt from a collection company on XX/XX/2023, and the subsequent failure to receive the requested information, leading to continued inaccurate reporting on my credit profile. 

Despite my formal request for the original signed verification of debt from the collection company via TransUnion, the requested documentation has not been provided within the stipulated time frame. This failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically the provision that requires validation of debts upon consumer request, directly affects the accuracy and completeness of my credit profile. 

Moreover, despite the absence of validated debt information, TransUnion is the only bureau that continues to inaccurately report the debt on my credit profile. The FCRA mandates accurate and verifiable reporting, and the lack of validation of the debt should not warrant its inclusion in my credit profile. 

Enclosed with this communication are copies of the initial request made to TransUnion and any subsequent correspondence for your reference and investigation. 

I am seeking the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring TransUnion 's compliance with FCRA statutes. It is crucial to rectify the inaccurate reporting and uphold the rights granted under the FCRA to ensure the accuracy and fairness of consumer credit reports. 

I kindly request the CFPB 's intervention to address this issue promptly and facilitate the

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 2023-11-20 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: 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. 

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 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 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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CT

Complaint narrative:
Regarding Case XXXX XXXXXXXX This case particularly bothered me because I called for a status update 1 full week after submission and was told the case was sitting in an open queue and not even assigned. The case involves my Discover portal being hacked and demographic information changed without my knowledge or authorization. This can be extremely damaging as the suspect can certainly obtain enough information to open credit cards and other accounts in a fraudulent manner using my identity. 

I am attaching the following documentation to this complaint : 1 ) Police Report ( Complaint XXXX XXXXXXXX ) XXXX ) FTC Identity Theft Affidavit ( FTC Report XXXX XXXX ) As a result of the identity breach, I have decided to close my Discover account as the urgency and response to this matter has not been appropriate in my view. 

I have contacted the Connecticut Attorney General 's office ( XXXX ) and plan on filing an official complaint if this matter is not resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to submit a formal complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, EQUIFAX, XXXX AND XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of EQUIFAX, XXXX AND XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im wanting these inquiries deleted off of my credit report because I did not authorize any of these companys to run my credit it is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
I purchase a new XXXX XXXX ( XXXX ) from a local toyota dealer ( XXXX XXXX toyota corolla dealership ) on XX/XX/XXXX. I did a trade in at the dealership. I owed them a balance of {$12000.00}. XXXX financing was approved from XXXX XXXX XXXX ( see attached ). Lo and behold, I received a letter dated XX/XX/XXXX - confirming that my financing was not approved. In effect, XXXX corporation reneged on their contractual agreement with me in an arbitrary fashion. This is unprofessional and unethical conduct by a XXXX XXXX manufacturer. Furthermore, I am a medically challenged citizen suffering four chronic ailments : - 1 ) XXXX 2 ) XXXX XXXX 3 ) XXXX and 4 ) XXXX I immediately got XXXX XXXX when I received this letter from Toyota. My stress levels were very high, and I have not had a decent night rest since. I have taken the liberty to attach a recent article regarding the CFPB and a lawsuit Vs Toyota corporation regarding a related issue to my complaint. Please be guuded accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: FL

Complaint narrative:
This company continually texts me.. daily.. even after I have asked for them to stop. I have responded and asked them to verify the debt.. they have not. I have never had an account with XXXX and they continually text me, call me etc trying to collect. I have blocked numbers only to be contacted through a new number. It is endless and it is annoying. It interrupts my work day and I just want it to end.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Please consider this as my formal complaint to the GENESIS CREDIT MANAG for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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 am writing to dispute the validity of the debt associated with the accounts reportedby XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the credit reportingagencies. I have strong reason to believe that this alleged debts is fraudulent, and itsinclusion in my credit report is both inaccurate and damaging to my creditworthiness.As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit ReportingAct ( FCRA ), I am entitled to receive validation and verification of this debt uponrequest. I hereby request that you provide me with all necessary documentationvalidating the debt, including a copy of the original contract or agreement, anystatements reflecting my obligation, and the chain of ownership demonstrating howyou acquired the alleged debts. All accounts listed in Identitytheft are opened not byme and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you haveprovided the required validation. Any failure to comply with this request within thestipulated timeframe may result in legal action, including but not limited to a lawsuitfor violations of the FDCPA and FCRA. Please be advised that I am aware of my rightsunder the FDCPA and FCRA and will not hesitate to pursue legal recourse ifnecessary. Additionally, I have already filed a report with the Federal TradeCommission ( FTC ) and law agency regarding this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I was recently married and submitted a request to Capital One to update my last name from XXXX to XXXX with my marriage certificate. Capital one erroneously updated my entire name to XXXX XXXX. I opened a prior case XXXX, as I was getting no where with Capital one and getting this rectified. They finally fixed the issue and corrected the name on my account and reissued all cards. Fast forward to XX/XX/2023 I am not getting credit alerts that there is an associated name with my SSN and credit file, which is XXXX XXXX. I am also receiving pre approved credit card offers mailed to me in this name not only from Capital one but from other financial institutions as well which is beyond alarming. A simple name change has caused so many issues and is alarming that a bank completely changed my name to a person who I have no idea who this is. This is my identity, my credit. This name needs to be disassociated with me and my credit/SSN and capital one needs to be held liable for their error and all the time I have spent and continue to spend trying to get this rectified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
A check was mailed to planet home lending from XXXX  on behalf of myself and wife, the check was mailed out XXXX XXXX and it took 4 phone calls, an open to dispute to locate the check which didn't happen until XXXX XXXX. After I was finally able to speak to a supervisor because all other customer service reps wouldn't help me in tracking down why they haven't received the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I sent credence a debt validation and they never responded. Im trying to fix my credit soon so I decided to pay the balance. When I decided to pay it, the rep told me that they will delete it from my credit report. After paying and checking my credit report, they updated to close instead. I called them back to asked them why wasnt it deleted as told, no one could not tell me why. They never sent mail telling me that I even had a collection, I just happened to see it on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: PA

Complaint narrative:
On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XX/XX/XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXXXXXX XXXX XXXX., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I received an offer to book a Carnival Cruise and receive XXXX rewards if I booked a cruise from XX/XX/2023 to XX/XX/2023. The credit card company states they did not see any purchase and is refusing to provide the promotion points.

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 2023-11-20 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: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
Please consider this as my formal complaint to the XXXX XXXX for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
COLUMBIA DEBT RECOVERY debt {$350.00} Reason : pls verify and validate all data this inquiry was made without my knowledge or consent COLUMBIA DEBT duplicate charge RECOVERY debt {$350.00} Reason : pls verify and validate all data this inquiry was made without my knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TN XXXX is trying to collect a debt of 1 month rent. 2 years ago I applied with them and was approved by XXXX office manager. The next day she was fired for fraudulent activities and I was never contacted about an apartment. I was told she was fired and that I would have to reapply and get another agent. I refused, then moved into another set of homes .A year later they are on my credit report for 1 month of rent because I didn't reapply but they kept my application money. I called and asked the OWNER HOW CAN YOU SUE ME FOR 1 MONTH OF RENT THAT'S ILLEGAL. I NEVER MOVED IN OR VIEWED A UNIT. MY AGENT WAS FIRED AND I HAVE A LEASE FROM MY NEW PLACE. I NEVER LIVED THERE. This is an apartment scam. I know of 2 other people who have had similar incidences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have made inquiries without my authorization. This has negatively affected my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have made inquiries without my authorization. This has negatively affected my score.

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