vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: DISCOVER BANK
State: NJ

Complaint narrative:
Someone had opened a discover credit card under my name without my knowledge in New Hampshire but I never lived in New Hampshire. I never applied for the account nor allowed anyone to apply on my behalf. I found the credit card on the experian credit reports and disputed the unauthorized account last month through experian, but discover bank and experian are refusing to remove the unauthorized account from my credit reports. I filed a police report for the unauthorized account, sent the police report to them but the discover bank and experian still refusing to remove the account from the credit reports. Discover bank case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Complaint Summary : I am filing this complaint against Affirm for their failure to properly verify account ownership, resulting in the opening of fraudulent accounts using my personal information. This has caused significant financial harm and damage to my credit report.

Details of the Complaint : 1. Fraudulent Activity : A fraudulent account was opened with Affirm using my personal information under the name XXXX XXXX XXXX, which is not my legal name. My legal name is XXXX XXXX. 
I have never authorized or initiated any accounts or activity with Affirm.

2. Identity Theft : I am a victim of identity theft, as documented in my FTC Identity Theft Report and IC3 Complaint.

Affirm has failed to investigate or resolve this issue despite clear evidence of unauthorized account activity.

3. Impact on My Credit : This fraudulent account has negatively impacted my credit report, causing significant distress and financial harm.

Affirms lack of action violates the Fair Credit Reporting Act ( FCRA ), which requires creditors to investigate disputes and ensure accurate reporting.

Desired Resolution : I request the CFPB to compel Affirm to : 1. Investigate and Remove the Fraudulent Account : Immediately investigate and remove all accounts and activity associated with my identity without authorization.

2. Provide Documentation of Account Activity : Affirm should provide evidence of how and when the account was opened, including the identification used.

3. Confirm Resolution in Writing : Affirm must confirm in writing that the fraudulent account has been removed and that I am not liable for any associated charges or obligations.

4. Prevent Future Identity Theft : Affirm should implement stronger identity verification processes to prevent similar issues in the future.

Supporting Documents : To support my claim, I am prepared to provide the following : FTC Identity Theft Report IC3 Complaint Report Copy of my government-issued ID confirming my legal name is XXXX XXXX Conclusion : Affirms failure to act on clear evidence of identity theft and fraudulent activity has caused undue stress and harm. I trust the CFPB will ensure Affirm fulfills its obligations under the law and resolves this matter promptly. 

Please contact me at XXXX or XXXX if additional information is required. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I gave formal notice on XX/XX/year> per 15 USC 1681c2 and provided documentation, under the FCRA Equifax was REQUIRED to block and remove the information requested within *four business days*. Equifax received this documentation per certified mail receipt records on XX/XX/year> and has FAILED to comply with this request and deleted all items EXCEPT the XXXXXXXX XXXX  account # XXXX. 

This is completely ILLEGAL! I have been very patient, but have been keeping detailed records since starting my dispute against this account this year, as well as my follow-up complaints to the CFPB regarding their illegal reporting activity. This is a formal notice to Equifax and the CFPB for failure to comply with my block and delete request under 15 USC 1681c2. Again, the fraudulent account, XXXX XXXX  account # XXXX, remains on my credit report despite the four-business-day requirement mandated by law. If the fraudulent information is not removed immediately, I will escalate this matter to legal action. 

Please find attached my dispute letter, FTC Identity Theft Report # XXXX, supporting documentation, and a copy of the certified delivery receipt record from the USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/year> I received a letter from Equifax Information Services LLC, ( dated XX/XX/year> ) informing me that my request to dispute inaccurate items on my credit file, was denied as a result of them not being able to validate my identity. The address they have on file, which is a previous address of mine, hindered them from moving forward in the dispute process. per the suggestion of a representative who I spoke with via telephone, I filed a dispute online, to have my current address updated. Unfortunately, according to Equifax, the dispute has been concluded and closed, however, the issue still persists. Attached to my written disputes are copies of my VALID driver 's license as well as my social security card ( which according to the FCRA are valid forms of documentation ). I also included a photo of my driver 's license with the online dispute, so I am not sure what else I can do to validate my identity and current address at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: ND

Complaint narrative:
Portfolio recovery associates is listing themselves as a primary creditor on my credit record. They do recovery for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX, XX/XX/XXXX an auto loan account opened at XXXX XXXX on XX/XX/XXXX, a collection account opened at XXXX on XX/XX/XXXX with a balance of {$6900.00}, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$200.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX, XX/XX/XXXX an auto loan account opened at XXXX XXXX on XX/XX/XXXX, a collection account opened at XXXX on XX/XX/XXXX with a balance of {$6900.00}, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$200.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
On the XXXX and XXXX of XXXX around XXXX was withdrawn from my SOFI bank account without my knowledge to XXXXXXXX XXXX XXXX. Someone apparently either got my checking information or opened an account in my name. I reported this to SOFI but I am not confident they are handling this in an expedited way. I need that money for various life things like rent and I do not understand how let they let that withdrawal happen in the first place,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I didn't authorize this inquiry it wasn't me I would like it removed 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 explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX XXXX and XX/XX/year>, i made XXXX XXXX transactions via my BECU account number XXXX. The transactions are as follows : XXXX ). XXXX {$300.00} to XXXX XXXX XXXX XXXX ) - tel # : XXXX XXXX with PAYMENT ID # : XXXX XXXX ). XX/XX/year> - {$1500.00} to XXXX XXXX ( XXXX ) - tel # : XXXX XXXX with PAYMENT ID # XXXX XXXX ) XXXX - {$2000.00} to XXXX XXXX XXXX XXXX - tel # : XXXX XXXX with PAYMENT ID # XXXX. A total of three thousand eight hundred and fifty dollars ( {$3800.00} ) was transmitted for scholarship, visa and servis fees to XXXX XXXX XXXX using my BECU Current account # XXXX for two members to attend XXXX in XXXX. It turned out to be a scam and fraud XXXX led me to believe that he is the XXXX coordinator of a scholarship program which turns out to be fraudulent. i have submitted a claim with BECU with claim # XXXX on XX/XX/year>. I am requesting for a full credit of {$3800.00} dollars to my BECU Bank account. Further to this i have submitted with FBI internet unit Submission ID : XXXX Federal Trade commission XXXX Number XXXX The City of XXXXXXXX XXXX with Report Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Express Collections, Inc.
State: SC

Complaint narrative:
MY ACCOUNT # XXXX Hope you straight Im writin to let you know I dispute this debt under the Fair Debt Collection Practices Act Dont need no extra proof or paperwork just wan na make sure you know I dont agree with it If you need to reach me do it by email only Monday to Friday XXXX to XXXX XXXX XXXX XXXX Any other way like callin leavin voicemails or sendin mail through USPS XXXX or XXXX XXXX a hassle for me Thanks for understandin

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Account XXXX I paid off my car in XXXX. My loan is with Chase Auto finance and I made my payment on the Chase Website. Chase sent me the title to the car. Weeks later they reversed the payoff. They have lied repeatedly as to why they reversed the payment.

The account had sufficient funds. Chase violated its own internal controls reversing the payments. They told me customers not allowed to pay off loans online then hung up on me. Tonight they told me its my fault because I paid from a new account. That is a lie. I have had multiple accounts with Chase for years. Now they are reporting the payments late for a car I have paid. They want me to pay hundreds of dollars more to fix their mistake. I want Chase to reapply my payment, refund these bogus fees and train their people and clean up my credit removing this late payment.

Please investigate this. Chase is doing this to other people. This is misreporting and violates internal controls

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-29 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: GA

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


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX 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 2024-12-29 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: GA

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


Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX 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 2024-12-29 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: WI

Complaint narrative:
To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX, WI. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XXXX. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. 
XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$93.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$180.00} XXXXXXXX XXXX XXXX XXXX {$250.00} XXXXXXXX XXXX XXXX XXXX  {$760.00} XXXX XXXX XXXX XXXX {$340.00}

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 explanation
Consumer complaint received 2024-12-29 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: NC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a XXXX XXXX XXXX After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however, the information was not provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, FTC complaint, a copy of the report showing my information in the data breach, and a validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: NC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a XXXX XXXX XXXX. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however, the information was not provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, FTC complaint, a copy of the report showing my information in the data breach, and a validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> I pulled my credit report and noticed I had an active car loan on my report. My personal information was leaked in a data breach and my credit was affected tremendously from this. I initially contacted Capital One to inquire about this loan and was given proper directions on how to rectify the problem. I have since then been trying to dispute inaccurate information thru the credit bureau ( s ) I contacted Capital One XX/XX/year> I was told that the car had been repossessed, and a balance was owed on an account that I never opened up. I have disputed this account several times from all XXXX companies and have only been notified that the account information was updated and never removed. I sent in all of the information to validate my identity as well as the information to prove this account does not belong to me. This account is hindering me from purchasing a home for me and my family and I need this matter attended to. Capital One is giving me the run around and not being as attentive as I need them to be. This data breach has affected my life and my credit hindering me from being able to obtain any credit

Company response to consumer: Closed with explanation