vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 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: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/2024 I received a Netspend debit card in the mail which was issued by XXXX, XXXX. I did not request this card. For the record, my credit is frozen at XXXX, XXXX, and XXXX and has been for years. 

The account appears to be linked to XXXX, XXXX account which is did open and is not mine. Routing number XXXX XXXX XXXX. Account number 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 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have had ongoing problems with identity theft since XXXX. To date my information has been compromised in the XXXX data breach, XXXX data breach, and now the XXXX data breach. I also have an ex who opened credit cards in my name after I filed for divorce but the police never managed to file charges, he is incarcerated for unrelated charges at this time. My identity monitoring service ( paid for by XXXX ) and XXXX accounts regularly report that my information is on the Dark Web. I have to keep my credit files frozen and use a pin number to file my taxes. 

In XXXX I was alerted somebody in Alaska  had opened up what appears to be a XXXX credit card in my name and maxed it out in XXXX. I have repeatedly disputed this with XXXX and the three credit bureaus in a timely manner. I can prove I am a lifelong California resident and I have never lived in Alaska. 

In XXXX of this year I received an email from Resurgent/LVNV funding basically stating that I need to pay them for this fraudulent XXXX account. I responded via certified mail that its not my debt, its id theft, that I refused to enter in to any contract with them, and that I would not pay. I also told them not to contact me again. Last week I received a bill in the mail from their affiliate XXXX XXXX XXXX stating I needed to pay them for this XXXX  account. I sent the same letter via certified mail this week and the tracking number says it will arrive on XX/XX/XXXX. 

This morning I received an alert that LVNV has reported a collections account to XXXX. I have disputed this with XXXX and filed a police report. I had previously filed a report on Identitytheft.gov.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
On XX/XX/2023 My daughter and myself went to purchased her a vehicle from XXXX XXXX. We specifically ask for payments to be from XXXX dollars, the sales stated he can make it happen. He asked how much of a down payment did we have we stated XXXX dollars he stated the bank Ally are asking for more at least {$1000.00} dollars to help get our payments in that range. As we brought the {$1000.00} dollars the payment and interest rate changed. My credit score at this time was above XXXX. The dealership claimed to have put new tires and oil change on vehicle upon sale. The dealership also stated that it would be no out of pocket cost for the repairs for ac not being able to turn off. The dealership also didnt state that the car transmission problems. The car was sold without being properly inspected. The contract itself is breaking federal codes.

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 2024-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have XXXX XXXX as XXXX my first one is I had to unauthorized transactions that came to my account so I called customer service and she Told me that I had to wait for the transaction to complete then I can dispute them, I understand that but because I was still asking questions she would just ignore them and keep telling me theres no other information she can give me I completely understand but I was trying to voice my opinion an the situation and I was telling her I work hard for my money and needed that money that was took off my account I was just trying to get her to explain why I had to wait for it to. XXXX because thats why I was calling soon as I XXXX that the XXXX transactions came XXXX I needed Her to explain to me why couldnt the just put my money back since the money hasnt been sent to them and she just slept ignoring what I was asking her! And she closed chat in my face Now Ive been using cash app for a long time matter of fact I almost everything I do I have my customers pay straight threw cash app Ive never had any problems with yall and love using your business app but I dont like treated as if I was bothering them I work hard for my money and I who ever Im using for my transactions I want them to focus on me about my money and answer every question I got until I understand whats going on I dont want to be dismissed like XXXX XXXX it their problem and then end chat in my face someone else come after and did the same thing to me I guess Im gon na just use my bank now on at least they take time to listen to me no matter how how many questions I ask!! Its my money and Im want cash app to treat me and my money that Im trusting them to keep it safe like were important not some bum off the street! Im so XXXX XXXX trom the disrespect I was shown

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear XXXX, I am writing to address a matter concerning my closed account with Capital One, Account Number XXXX, which remains inaccurately reported on my credit report. This discrepancy not only undermines my credit standing but also infringes upon my rights under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports. 

As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. 

Given this definition, I am requesting that Capital One take immediate action regarding the closed account reported on my credit file. Specifically, I urge you to update the status of XXXX XXXX XXXX to reflect that it has been paid in full. 

The account in question was opened on XX/XX/year>, and has since been closed. Any outstanding balances associated with this account have been settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account in order to prevent any unwarranted negative impact on my creditworthiness. 

I trust that Capital One will address this matter promptly and in accordance with the provisions of the Fair Credit Reporting Act. Furthermore, I expect confirmation once the necessary actions have been taken to update the status of XXXX XXXX XXXX on my credit report. 

Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me. 

Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: AZ

Complaint narrative:
On XXXX, I notice that I was impacted by the Equifax Data Breach. After reviewing my reports I noticed unauthorized accounts and inquiries on my consumer report. I would like for these accounts to be removed. Account : XXXX XXXX XXXX Inquires : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX closed and sent my account to a collection agency for {$160.00}. Collection agency offered to satisfy the account @ a discounted rate of half of the amount which was {$82.00}. Spoke to someone from the collection agency and paid the amount. I was told the account would be satisfied. A few months later, the account was transferred to another agency for {$82.00}. Placed on my credit report ( all 3 credit bureaus reporting ) as a collection account and having a negative effect on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Reporting on Credit Report Dear Sir/Madam, I am writing to formally dispute the inclusion of a collection account on my credit report, as reported by NCB Management Services , Inc . Despite the account being settled, it continues to negatively impact my creditworthiness. I believe this reporting is inaccurate and unjust, and I request that it be removed immediately from my credit report. 

I assert my rights under several consumer protection laws, which mandate fair and accurate reporting by collection agencies. Specifically, XXXX XXXX XXXX has failed to comply with the following regulations : 12 CFR 1006.34 ( b ) ( 5 ) : Failure to Provide Validation Information The collection agency has not provided adequate validation information, as required by this regulation. Despite multiple requests, they have failed to furnish the necessary documentation to validate the debt, which is a clear violation of my rights as a consumer. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Denial of Dispute Opportunity I have not been given a reasonable opportunity to dispute the account. According to this regulation, consumers are entitled to dispute the accuracy of information on their credit reports. However, XXXX XXXX XXXX has disregarded this right by refusing to engage in a meaningful dispute process. 
12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : Violation of Consumer Rights The collection agency is engaging in false, misleading, and deceptive practices by continuing to report an inaccurate and settled debt. This behavior not only violates regulatory standards but also undermines consumer trust and confidence in the credit reporting system. 
Given the blatant disregard for consumer rights and regulatory obligations by XXXX XXXX XXXX, I am requesting immediate action to rectify this situation. I urge you to investigate this matter thoroughly and ensure that the inaccurate reporting is corrected without further delay. 

Please find enclosed copies of relevant documents, including proof of payment and correspondence with XXXX XXXX XXXX. I kindly request that you review these materials as part of your investigation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you require any further information, please do not hesitate to contact me at the provided contact information. 

Thank you for your assistance in this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-20 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: Kikoff Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I recently reviewed a copy of my consumer report from ( XXXX, XXXX, or XXXX ) and noticed some late payments posted on my consumer report for the following accounts : Account Number : XXXX Your company appears to be in clear violation of the law, pursuant to 15 USC 1681a 2 ( A ) ( i ) : - EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) KIKOFF LENDING LLC making the report are not INCLUDED in my Consumer Report. 
A late payment constitutes transactional history, specifically MY HISTORY with your company. 
CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not to be included on consumer reports.

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience on my consumer report, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 5 calendar days from the receipt of this letter to update my payment history and/or delete all late payments from the below account ( s ) : Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: CT

Complaint narrative:
On XX/XX/2024 I requested an update on my personal information from Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: AZ

Complaint narrative:
On XXXX, I notice that I was impacted by the XXXX Data Breach. After reviewing my reports I noticed unauthorized accounts and inquiries on my consumer report. I would like for these accounts to be removed. Account : XXXX XXXX XXXX Inquires : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XXXX, I notice that I was impacted by the XXXX Data Breach. After reviewing my reports I noticed unauthorized accounts and inquiries on my consumer report. I would like for these accounts to be removed. Account : XXXX XXXX XXXX Inquires : XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My card and phone was stolen on XXXX XXXX and someone spent close to XXXX dollars on my card. I have XXXX transactions stating showing I was home while these transactions were being made. I call the next morning to file a claim and get a new card and they keep denying my claim. Today XX/XX/year> they ( navy federal ) is saying I need to go get documentation that I wasnt there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XXXX and XXXX I had an ATM card issued by Bank of America, to receive unemployment compensation due to COVID-19, between the years XXXX and XXXX I was coerced by members of the gang known as XXXX to make withdrawals and buy items with my debit card, and hand over the money and the goods to them, they had threatened my family and myself with XXXX  if I refused. I was afraid to go to the police while this was going on, and later I was afraid to dispute these transactions with Bank of America because they made it very clear I could never tell anyone or they would XXXX XXXX XXXX XXXX XXXX, those XXXX XXXX were arrested in XXXX, so I reached out to BofA in XXXX of XXXX to see if there was any way to get even a portion of my money back, the rep I spoke with said that I still the option to dispute the transactions, I gave her all the pertinent information, and she opened two claims : Claim Number : XXXX for the amount of {$8100.00} and Claim Number : XXXX for the amount of {$5200.00}, after a few days the bank returned about {$300.00} into my account, but not for the actual transactions, they were fees that I'd been charged they then notified me that they had resolved the claims against me, that I was in fact responsible for the transactions, I asked for the information that led them to that conclusion and to investigate, I never received any information, they investigated 3 more times, with the same results, so I gave up, it is not until now that someone mentioned the CFPB that I found out of this agency 's existence, otherwise I would have filed this complaint a long time ago.

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 2024-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
In 2022 I cancelled my services with XXXX XXXX. I returned all my equipment and paid the last bill in full. Months later I started receiving calls from XXXX stating that I owed a balance of {$200.00}. I was really confused because I knew that I had already paid the last bill and had not received any other statements from XXXX  since I cancelled. I requested numerous times for XXXX to provide me in writing, why I allegedly owed them anything. XXXX never provided me with a bill or statement. I disputed the debt with XXXX  numerous times and advised them that I would not be paying a debt that could be potentially fraudulent. Each time I received a call I would advise COX that I had already cancelled my services and had paid the final bill and did not know why they were charging me additional fees. Each time the representative said that they did not know what the balance was for and would submit a request to validate the balance allegedly owed. Finally XXXX stopped contacting me about this potentially fraudulent debt, so I assumed XXXX had resolved the debt as being invalid and cancelled their debt collection efforts. Unfortunately, within the last couple of days a XXXX XXXX collection agency has appeared on my credit report. My XXXX XXXX was an XXXX last month and now my score has dropped by over XXXX points! I called the collection agency immediately and they assured me that paying the debt would be the best thing for my credit and that they would request for XXXX to remove the account from my report. I made the payment of {$230.00} and then I called XXXX again to find out why they hired a collection agency on a debt that I had disputed and thought had been found to be invalid and cancelled. Of course, XXXX apologized but could not explain why they had sent a debt that was not owed to a collection agency and said that they will request for it to be removed.

Company response to consumer: Closed with non-monetary relief