vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: IN

Complaint narrative:
I'm writing to complaint to EQUIFAX about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXX, IN XXXX, and I go by XXXX XXXX XXXX. My birthdate is XX/XX/year>. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
There was a XXXX XXXXXXXX credit card obtained under my name and social security number that I did not apply for, receive, or benefit from back in XXXX. I did not even know about it until I called due to seeing it on my credit in XXXX. Once I informed them that it was not my card, they forward me to portfolio recovery associates of which they told me I owed {$380.00}. I told them it was not my card and that my first card was a XXXX card that I received back in XXXX and after that I got my first real credit cards ( of which I still have and pay ) XXXX of XXXX. They told me they would put it in dispute. I asked for a copy of the bill I received 4 months later only after the continued to call I continued to dispute and request. Once I got the bill they asked me to forward the documentation which is a form I had to fill out and send back to them of which I did in XXXX. They even told me to send a email ( I did twice ) to their dispute department stating it was not my card and it is creating a hardship on me. I have disputed this at least XXXX times. They call every 2 months and I dispute. They told me the reason the believe it is my account is because who ever obtained the card used my social security number to get it and they paid on the card a a couple of times. They keep asking me to file reports and feel out paperwork of which I have done. I live in a who different state from which it started now they want me to go to the local police off again and do it again but this time they told me to contact CFPB as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1500.00}

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 2024-03-15 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: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-03-15 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I've been trying to resolve these issues for years. its so unfair that I cant purchase a house or access Business funding because of these fraudulent credit bureaus. This is the last time trying to resolve. Please investigate XXXX. XXXX I don't even know what or who that company is and Comenity capital XXXX I never ever did any business with these people. If any further Questions please contact XXXX XXXX at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
" Thank you for your payment. 
XXXX, thanks for your payment! 
XXXX XXXX Congratulations, your Affirm , Inc. account is now resolved! 
For your records, here are the details about your payment : On XX/XX/XXXX, you made a payment of {$230.00}. You paid with a XXXX with last four digits XXXX and expiration date XX/XX/XXXX. 
We are happy to confirm that this payment resolves your balance with Affirm , Inc.. 

Provided that any payment you made is not returned unpaid, we will report to Affirm , Inc. that this account is resolved and no further attempts will be made to collect on your account. 

Thanks for working with us. 

Your payment information Payment amount {$230.00} Payment date XX/XX/XXXX XXXX account number XXXX Creditor Affirm , Inc . 
Affirm, Inc. account ending in XXXX HOW DID WE DO? 
As always, if you have any questions just reply to this email. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Your XXXX account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( TTY XXXX ) between Monday - Friday, XXXX XXXX XXXX XXXX XXXX  ET XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX We collect personal information to provide our services. We do not sell personal information. Most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. For more details on how we use, share, and delete personal information see our Privacy Policy. '' I called Affirm and they I still owe {$150.00} dollars because this wasn't settlement and I owe interest. 
I called XXXX and they said, a settlement doesn't resolve the balance. 

I advised I was told this would settle my account and I will not be contacted for any further debt owe. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: IL

Complaint narrative:
Equifax informed the XXXX XXXX XXXX they would delete a fraudulent account reporting on my my credit report and make corrections to the inaccute late payments they are reporting with by mortgage lender XXXX XXXX and did not make the changes on my credit report. 

My XXXX XXXX account is showing that I was late for the entire 2023 year. My mortgage was in a Covid forbearance during this time pursuant to the CARES Act. I WAS NOT LATE and the late months should be reporting as current. 

XXXX XXXX is a fraudulent account. I have a police report to support this. 

I disputed the above information on the XXXX website on XX/XX/XXXX and Equifax agreed to make the changes but never did. 

Additionally, Equifax agreed to delete a XXXX XXXX  XXXX account in XXXX and never removed the account. This account has also reached its statute of limitations of XXXX years and should be deleted based off that as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: WA

Complaint narrative:
In XXXX, I paid for a deletion on my Discover account. it was deleted but has re-emerged on all XXXX credit bureaus. 

Today, XXXX XX/XX/XXXX, at XXXX XXXX a Discover representative in the Charge off department instructed me that the account should no longer be reporting. 

It was removed but re-inserted and I would like a swift removal. Im in the process of buying a house and would like this removed again as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Roycroft Management
State: MO

Complaint narrative:
On XX/XX/15 central mediation services contacted me claiming to be collecting on an old debt of XXXX some odd dollars. I told him I did not take out a loan and he became combative and told me good luck in court. I then asked where they were located and he stated you do not need to know that. I called back and requested a debt validation letter and the secretary asked who I was speaking with and I said Im not sure his name. Then she told me well maybe you can figure it out and hung up.

Company response to consumer: Untimely response
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One closed my account on XX/XX/XXXX. My last payment to Capital One on that debt was XX/XX/XXXX. My credit report shows that XXXX XXXX of my payments made to that card were on time. This is the only instance of Capital One showing on my credit report with a closed account. 

XXXX XXXX XXXX, XXXX opened an account citing XXXX Capital One Bank USA N.A. As the original creditor on XX/XX/XXXX with a debt owed of {$1100.00}. I disputed this debt through a third party ( XXXX XXXX ) and requested validation of the debt. No additional contact was made and my report now just shows dispute resolution : customer disagrees. 

A ) I have no history reporting of a Capital One closed account for this amount, nor do I recall incurring that debt. 

B ) The age of the only reporting Capital One closed account ( which does say XXXX XXXX of payments made on time ) is in excess of XXXX years and should not be adversely impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have the XXXX XXXX XXXX XXXX. There is a {$120.00} statement credit towards XXXX purchases. This is outlined in disclosure found on website and below : {$120.00} XXXX XXXX XXXX XXXX statement credit will automatically be applied to your account when your card is used for XXXX purchases, up to an annual maximum accumulation of {$120.00}. Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. XXXX XXXX purchases include airline tickets purchased from XXXX and the following purchases made from XXXX : seat upgrades ; Economy Plus ; inflight food, beverages and Wi-Fi ; baggage service charges or other XXXX fees XXXX XXXX XXXX XXXX from Chase purchases will also qualify. Other XXXX XXXX purchases, such as XXXX XXXX, XXXX XXXX XXXX, XXXX and Merchandise Awards, are excluded. XXXX tickets booked through some discount travel websites or as part of a third-party travel package will also not qualify. XXXX credit ( XXXX ) will post to your account the same day your XXXX purchase posts to your account and will appear on your monthly credit card billing statement within XXXX billing cycles. The XXXX XXXX XXXX will be issued for the year in which the transaction posts to your account. For example, if you pay for XXXX, but XXXX does not post the transaction until after the current annual period ends, the cost of the Wi-Fi will be allocated towards the following years XXXX XXXX XXXX maximum of {$120.00} XXXX 

On XX/XX/24 ( statement attached ) I purchased a XXXX XXXX XXXX ticket. This qualifies for the {$120.00} statement credit outlined in disclosure, above. I called in to the credit card line to inquire about my credit and was told it would appear on the XXXX statement. The XXXX statement is also attached with no {$120.00} credit. I have called multiple times to resolve the credit and each time receive a different answer that is inconsistent with disclosure. This is a XXXX violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See letter I have attached

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 2024-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
A rental debt collected by my husband ( over 2 years before we were ever married ) has just shown up as a collection on my credit report. It is not my debt. I was not on the lease. I never signed the lease. I did not live on the property. I have never even lived in XXXX, TN. I lived in XXXX, TN during the time this lease was active and I can provide proof, as I was in a lease with an apartment at that point in time. 

I reached out to the debt collection agency and requested that they send me the proof that I was on this lease and that it was indeed my debt. They have not provided proof, because it is not true. I have disputed this collection and it was denied because the collection agency will not remove my name from the collection. 

Again, this was a lease that my husband owed well over 2 years before we even got married. It is not my debt.

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 2024-03-15 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-03-15 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. I am unable secure permanent housing for this reason. Thank you.

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 2024-03-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Disputing fraud charges from day one of discovery  on XX/XX/XXXX, in the amount of {$2000.00}. 
Diligently worked with bank fraud department and existing claim specialist every week from XX/XX/XXXX to XX/XX/XXXX. 
Bank agents and fraud department did not lead the direction of investigation correctly : transactions might have made via on-line account that I did not setup personally, because I could not operate IT ; yet the on-line account was existing with incorrect personal information which I requested to correct them immediately on day 1 of the dispute XX/XX/XXXX. 
Bank agents did not acknowledge the pattern of my card usages which have been consistently established since day one I was granted the credit card, such as : 1. I did not ever spend money on these since I live very traditional XXXX lifestyle, 2. I never spent above XXXX XXXX monthly, 3. I always paid off my last month expense before the grace period, 4. I do not drive, this card has never used to pay for car gas, 5. My personal information in the profile were caught incorrect and updated on XXXX, 6. After XXXX once I called to dispute unauthorized transaction made on and after XX/XX/XXXX, I was told there were more transactions gone through.

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 monetary relief
Consumer complaint received 2024-03-15 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: HI

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, Truist Bank closed my account without warning. My paycheck for over {$2000.00} was deposited on XXXX XXXX ( confirmed with employer ). As of today, Truist refuses to give me my money in my account. I have called countless times. Im at the end of my rope.

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