vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices 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 non-monetary relief
Consumer complaint received 2023-10-29 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: MA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: SC

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX is reflecting on my credit report. I have submitted various letters asking for validation of debt in which I have not received. 
I have contacted XXXX XXXX who states that they are not furnishing my information to the credit reporting agencies as well as XXXX XXXX. I have correspondence from both XXXX XXXX and XXXX XXXX that states this as well.

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 2023-10-29 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/XXXX  I received a letter from Synchrony Bank saying I had an overdue account of {$20.00}. I called the number repeatedly but couldnt get a live person. I emailed the company but got no response. I kept calling and finally talked to an agent and filed a fraud report. I was told that I would not be responsible for the charges while there was an ongoing investigation and that they would notify the credit bureaus as well. Now I continuously get emails and text saying that I have a balance over 60 days and my credit has gone down XXXX points as a result of this!! Im so upset about this and its giving me so much XXXX  because I keep getting notices from the credit companies about how much my credit has gone down. Ive called all the credit bureaus and written letters to all of them as well. Ive also written to Synchrony Bank. I havent received any responses yet. Ive always paid my bills on time and Ive never had a late payment. My credit is very important to me and Ive worked hard to keep it in excellent standings. This is outrageous that theyre ruining my credit for two charges for {$5.00} that they cant even tell me what theyre for! Ive had an XXXX account with XXXX for many years and its set up with automatic payments. Im a reliable and responsible person. Im XXXX XXXX XXXX and plan on XXXX in a couple years. I need my credit to be in good standings so I can get a small mortgage if I need one. Please help me with this. I would be so grateful. Thank you very much. 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 2023-10-29 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: VA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

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 2023-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have been getting repeated calls from Comenity Capital Bank ( who I believe contracts with XXXX XXXX  ) before XXXX and after XXXX from random numbers across the country in addition to many " private number '' calls as well as repetitive text messages- all every day of the week, including Saturdays and Sundays. I have requested to be put on the ( DNC ) Do Not Call list at least four times from both the phone numbers calling as well as the private numbers. The people who call are hesitant to tell me who they are and I have even gotten a call from them asking for a person other than myself. I have gotten up to ten calls in one day, all from different numbers, and never get less than 2. Attached are all the most recent times they have called, as well as the many texts they have sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: NJ

Complaint narrative:
The following has not been removed since I requested. This information is incorrect, and requested the company to remove this late payment, or to report has paid on time. I was not late with these payments. This is unfair to report this information. 

Equifax XXXX XXXX - XXXX XXXX ( reported 30 days late ) Equifax and XXXX ( reported 30 days late ) XXXX XXXX - XXXX XXXX XXXX ( reported 30 days late ) XXXX XXXX  - XXXX XXXX XXXX has multiple inaccurate inquiries that does not belong to me. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: VA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reported Balance {$5500.00} XXXX XXXX XXXX XX/XX/XXXX Reported Balance {$0.00} These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: VA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reported Balance {$5500.00} XXXX XXXX XXXX XX/XX/XXXX Reported Balance {$0.00} These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

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 2023-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: FL

Complaint narrative:
On XX/XX/2023, I tried to access my Laurel Road mobile banking account and found it was restricted. After realizing this, I contacted the bank to find out why and unlock the account. On the phone with the bank representative, they told me there was a fraud claim on the account and transferred me to the fraud department. However, the fraud department told me this wasn't an issue on their end and they couldn't help me. So I call Laurel Road again to explain this to them and now this new rep doesn't say anything about fraud and could not give me a reason as to why my account was closed. I have direct deposits going into account and need access to it immediately, and somehow the bank can't give me any information as to why it's restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Urgent Request for Assistance : Stolen Vehicle and Unresolved Identity Theft To the Consumer Financial Protection Bureau, I am writing to bring to your attention a deeply troubling and distressing situation involving identity theft, the unauthorized opening of a credit account, and the theft of my vehicle, a XXXX XXXX XXXX  XXXX, XXXX sedan. The owner of the auto repair shop responsible for the theft of my car is XXXX XXXX, with an address at XXXX XXXX XXXX, XXXX, TX XXXX. 

The sequence of events that led to this situation is complex but rooted in the mishandling of my insurance package by my former employer, Saks Fifth Avenue. Upon being hired, I received my insurance package after 31 days, well after the enrollment window had closed, and they subsequently filed a report to rectify this. In the process, they also contacted the insurance to open a new window to allow for the inclusion of my package. However, during my employment, I applied for a Capital One XXXX XXXX XXXX credit card to obtain my employee discount, only to discover unauthorized activity related to my personal information. This led to the theft of my car from the Saks Fifth Avenue employee parking lot. 

I believe that this situation may involve individuals connected to Saks Fifth Avenue, including the general manager, XXXX XXXX, the HR representative, XXXX XXXX, and a manager, XXXX XXXX. I also noticed that an unauthorized Capital One XXXX XXXX XXXX account had been opened under my name, causing significant damage to my credit. 

Despite reporting this to the police ( report XXXX : XXXX ), I am still awaiting resolution. The complexity and potential involvement of various parties in this situation have made it incredibly challenging to regain control over my identity and retrieve my stolen vehicle. 

I urgently seek your assistance in resolving this matter, ensuring the return of my stolen car, and restoring my financial well-being, which has been severely affected by the unauthorized credit account. Any help you can provide in this regard would be greatly appreciated. 

Thank you for your immediate attention to this serious issue. 



[ XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: MI

Complaint narrative:
I have tried numerous of times for the last XXXX years contacting these companies to no avail. I now has opened up another claim with the ( FTC ) Federal trade commission my report number is... XXXX I put it in on XX/XX/2023. I have a representative helping me at XXXX. His name is XXXX ... .his information will be listed down below. I also contacted each of the companies that are in question to no avail. EVERYTIME I call their company they either hang up on me or say... .JUST PAY THE BILL. THESE STORE CARDS WERE OPENED FRAUDULENTLY WITHOUT MY KNOWLEDGE. I HAVE BEEN CALLING THESE COMPANIES FOR OVER 2 YEARS NOW, THAT IS WHY I AM OPENING A NEW CLAIM SINCE I HAVE SOMEONE HELPING ME NOW. I CAN'T GET ANY HOUSING OR NOTHING, AND I AM HOMELESS RIGHT NOW. HERE ARE THE COMPANIES THAT ARE INVOLVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello. 
I would like to inform you that about 2 weeks ago Bank of America closed my Credit Account FOR NO REASON. It was a Secured Credit card account and I had {$500.00} of my own money as collateral in it. They DID NOT even return my money. But what irritates me the most, is that they closed my Credit Account for NO REASON in the first place! I have ALWAYS made 100 % on-time payments and I have NEVER used my credit card aggressively. You can check my credit history and you will see it yourselves. I was a victim of a scam with my checking account. I submitted a complaint ( complaint ID : XXXX ) to Consumer Financial Protection Bureau and you guys did a GREAT JOB, because Bank of America opened my checking account back ( which should have never been closed in the first place without any investigation ). 
So, now they have decided to go after my Credit Account, which is again absolutely UNFAIR and UNJUST. I have contacted Bank of America many times after my credit account got closed, but they never provided me with a single reason of why my Credit Account got shut down. With this matter I contacted their ( 1 ) Customer Service, ( 2 ) Risk and Closure, ( 3 ) Credit Accounts, ( 4 ) Fraud, ( 5 ) Complaint departments and NONE OF THEM PROVIDED ME WITH ANY REASON of my Credit Account got shut down. This is just a RIDICULOUS and UNPROFESSIONAL approach in any way look at this situation. In the attachment you can find the Credit Card Account Closure letter from Bank of America which I received a few days ago and you can see that they have provided ABSOLUTELY NO SINGLE REASON of why my account got shut down. 
Today I was checking the XXXX XXXX  app. I realized that a XXXX XXXX  was added to my Credit Report and that the Credit Score with XXXX HAS DROPPED FROM XXXX TO XXXX ( XXXX POINTS!!! ). THIS IS ABSOLUTELY UNACCEPTABLE!!! Why should I, my XXXX XXXX and History be affected by someones IRRESPONSIBILITY and UNPROFESSIONALISM?! I would also like to inform you that I have submitted a dispute on myEquifax as well, but the text limit on their dispute page is very limited, so I was only able to explain them the situation in 2-3 sentences. In the attachment you can find the ( 1 ) myEquifax Credit Report Dispute confirmation, ( 2 ) Screenshots from XXXX XXXX app and the ( 3 ) Credit Card Account Closure letter from Bank of America. 

Thank you in advance!

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX & XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/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 2023-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I applied for a loan at one main financial got approved for a loan. When I went in to sign the agent never disclosed the extra added fees of add ons thst were optional they were all ready included with my loan. After going home and taking a closer look I saw they were optional so I called a couple days later asked withdraw from extras and get refund and new paperwork of loan without extras and was told one was not needed and there was no refund thst mo ey is disbursed back to bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American express is reporting my debt as valid when they did not prove how they came up with that final decision when I had identity theft that accured. They also reponded after 30 days and continue to report the account as mine and report late payment which cause my score to go down while trying to purchase a home

Company response to consumer: Closed with explanation