vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I recently filed a complaint with the cfpb against wells fargo for report a fraudulent account report on my credit profile. wells fargo responded to the complaint stating that I am signed for the car. The account shows that WHOM ever signed my name as an authorized user. I never signed for this account and I seek litigation if this is not deleted from all credit bureaus.

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 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Again, this complaint is directly related to several past complaints against Portfolio Recovery Associates. Most recently, complaint # XXXX filed on XX/XX/XXXX and received response back from company on XX/XX/XXXX. This new complaint is in response to this recent complaint. After reading the companys response, which was vastly misleading, false and inaccurate, my response was as written in attachment. This company has a history of abuse, false reporting, misleading statements and filings all viewable on the department of consumer affairs website. These violations of intimidation, deception, and illegal debt collection tactics was a direct response Ive received from the CFPB XXXX, XXXX XXXX. In this recent complaint, after sending my response, I also made it crystal clear in bold, to portfolio Recovery Associates, after already receiving a cease and desist demand letter and debt verification letters in XX/XX/XXXX as mentioned in my complaint, I finished my response with, DO NOT CONTACT ME in any form to this alleged debt Portfolio recovery associates was already officially notified in a certified letters on XX/XX/XXXX and received per signature card as proof. Now with this recent complaint, Ive demanded this again as seen in attachments. Today, XX/XX/XXXX just one day after sending my response on XX/XX/XXXX portfolio recovery associates has CALLED MY HOME PHONE on XX/XX/XXXX @ XXXX XXXX  EST and then again on my cell phone @ XXXX XXXX  EST. Again, against my demand in both written and in this most recent complaint, continue to violate the Federal Fair Credit Reporting Act and my rights again. Im demanding the Department of consumer affairs take serious action against this company for violating my rights and the law again and again. As in past complaints and being fined XXXX  of dollars for this same behavior, portfolio recovery associates has not learned the law or stopped this unethical behavior and illegal business practices. I will consult with an attorney for violating my rights over and over. This recent violation of calling my home where this company just responded that they would stop all future communication with me, only the next day to harass and intimidate me is such a slap in the face of law and time, the consumers rights. Again, I ask the department of consumer affairs to take drastic action at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following accounts. Block and remove 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 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: NC

Complaint narrative:
I received two emails from this company the first email was of a security code to activate the account and the second email was a net spend debit account change confirmation. I did not approve of and do not have an account with this company.

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 2024-12-15 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Company : NATLCRSYS National Credit Systems XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX Tel ( XXXX ) XXXX Account # : XXXX Balance : {$4800.00} I'm unaware of this debt I didnt have the oppurtunity to dispute this information. If in fact you believe you gave me proper notification then please send me the certified receipt with my name and signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I moved out of my apartment early ( XXXXXXXX XXXX  ) they charged me {$3000.00} dollars to break my lease which they took my security deposit of {$1500.00} and change then wanted me to pay another {$1500.00} when my apartment was move in ready and it was not unoccupied but only for a weekend. My mother fell ill and I had to move back to help her. Now someone has put {$1400.00} on my credit no information or letter was sent to me before this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have 2 hard inquiries that I need deleted under my credit that I did not authorize. They're fraudulent. XXXX is from XXXXXXXX XXXX XXXX  XXXX and XXXX ) and COMENITYCB form XXXXXXXX XXXX XXXX XXXXXXXX ). Accounts were not able to be opened but inquiries are there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading misrepresentation and deceptive means.

Collection agency has not authority to furnish any accounts to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: FL

Complaint narrative:
Re : Account number XXXX Dear collection agent, I took a look at my credit report and saw a collection from you reporting on my credit. I am unaware of this debt and why it's even on my credit report. So therefore as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware based on what you are reporting that there is a debt from ( name of hospital/doctor ), but I am unaware of the amount due since there is no breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. 
Therefore my request is twofold-validation of debt and HIPAA authorization XXXX 
Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical Information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information lo my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service In connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to valldate it XXXX be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I received a phone call from creedence resource Management LLC regarding a debt to XXXX I told them that I had already informed The previous owner of this debt that I did not wish to be contacted by telephone and to be sent a debt validation letter. They sent me a letter saying they had verified the debt and that it was accurate however I asked them to send me a letter so that I could verify the debt myself they never responded it has been more than XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I have paid this account in full. I made arrangements with the creditor to settle my debt completely. However, it is reported with several missing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Subject : Complaint Regarding Violations of Federal and State Consumer Protection Laws Parties Involved : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX Affiliated with XXXXXXXX XXXX XXXX XXXX XXXXCredit Acceptance Corporation Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX Manager/Authorized Representative, XXXX XXXX XXXX XXXXXXXX I am filing this complaint regarding fraudulent, deceptive, and unlawful practices in a vehicle purchase on XX/XX/XXXX, involving a XXXX XXXX XXXX  ( VIN : XXXX ). These actions violate the Truth in Lending Act ( TILA ), Consumer Financial Protection Act ( CFPA ), Federal Odometer Laws, and the Alabama Uniform Commercial Code. 
Key Violations : 1.TILA Violations : {$4500.00} down payment misrepresented as part of credit, violating disclosure requirements. 
Finance charges ( 23.99 % ) and amount financed were inaccurately disclosed. 
2.Federal Odometer Act Violations : Odometer reading ( XXXX miles ) omitted clarification on mechanical limits, violating federal disclosure laws. 
3.Failure to Itemize : Fees for title, service contracts, and GAP insurance were not itemized, causing ambiguity. 
4.Unlawful Fees : GAP insurance and extended warranties were added without explanation or consent. 
5.Deceptive Practices : Trade-in value was inflated to manipulate the financed amount.

Legal Remedies Reserved : 1.TILA Vi
olations : Seek statutory damages up to {$5000.00} per violation. 
2.Federal Odometer Act : Demand {$10000.00} or triple damages for odometer violations.

3.State Consumer Protection Laws : Pursue claims under Alabama Consumer Protection Act.

4.Punitive Damages : Request damages for willful violations.

5.Emotional Distress : Claim additional damages for financial and emotional harm. 
Relief Requested : Rescind the Retail Installment Contract immediately. 
Refund the {$4500.00} down payment and associated fees. 
Remove negative credit reporting related to this transaction. 
Pay {$25000.00} in damages for financial, legal, and emotional harm. 
Failure to comply within 24 hours will result in legal escalation, including filing a lawsuit in federal court and complaints to the FTC and Consumer Protection Division. 
Conclusion : The actions by XXXX XXXX XXXX XXXX, its representatives, and Credit Acceptance Corporation have caused significant harm and violated federal and state laws. Immediate resolution is necessary to avoid further action. 
Sincerely, 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 2024-12-15 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: TX

Complaint narrative:
Equifax, XXXX, XXXX, XXXX. I have nonmailable address on my report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my only address. These other address need to be deleted. Also, it is illegal to report transaction history. Privacy act of 1974. And I was effected by the Equifax Data Breach. It is {$1000.00} per violation. Per the FCRA as a federal protected consumer Iam now opting out of any and all authorization. I the consumer may have given you written unwritten, verbal and nonverbal per 15 usc 6802 and change off, are considered a certificate of indebtedness. income can not be reported. 15 usc 1681 permissible purposes. You can't tie me to an old address. ( Non mailable ) and utilization is illegal a corporation can not report transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I originally created the account for savings and had a checking for transfer to my other active bank I have with XXXX XXXX XXXXXXXX XXXX  SoFi restricted my account and flagged it as fraud. I called them twice on XX/XX/XXXXXXXX XXXX XXXX XXXX  to try to resolve the issue. After I explained my situation, they replied with they cant do anything but note my file as high priority. It has not been unrestricted to this date at XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX and all 3rd party unauthorized credit reporting agencies.

Subject : Request for Deletion of Credit Report Dear XXXX XXXX, Equifax, XXXX and all 3rd party unauthorized credit reporting agencies.

I am writing to formally request the deletion of my credit report due to multiple security breaches and the lack of any active lines of credit under my name. I have experienced five security breaches, including incidents involving Equifax, for which I have received settlements. Additionally, I was affected by a recent credit breach from XXXX XXXX XXXX. 

According to the data breach website, my Social Security number and personal information have been compromised by these companies. Given this information, my credit report should have been locked, and there should be no listings or open lines of credit. I have not had any credit accounts for over five years, and due to health issues, I am no longer driving, further reducing my need for credit. 

Furthermore, I request the immediate detection of my credit report to prevent any unauthorized access and the removal of my information from all third-party pre-approval lists. I believe that all three credit bureaus ( Equifax, XXXX, and XXXX ) should have refrained from sharing my information without my consent. 

I also request the deletion of any and all unauthorized information on my report, including but not limited to addresses, phone numbers, income, and any charge-offs. It is essential that my credit report reflects only accurate and authorized information. 

Additionally, I want to bring to your attention the recent lawsuit settled in XX/XX/year>, which held credit reporting agencies accountable for mishandling consumer data. This settlement further underscores the need for the protection of consumers ' personal information and reinforces my request for the deletion of inaccurate information from my credit report. 

Please be advised that under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the deletion of any inaccurate or unverifiable information. Failure to comply with my request may result in a fine of up to {$1000.00} as stipulated by relevant laws.

I kindly ask that you investigate this matter and provide written confirmation of the deletion of my credit report. Please let me know if you require any additional documentation to support my request. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation