vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: NH

Complaint narrative:
I am writing to formally dispute the verification responses received from your agency regarding prior complaints of inaccurate late payment accounts, specifically invoking FCRA 611 ( 15 U.S.C. 1681i ). I believe these inaccuracies are a result of a late payment, and your agencys failure to properly investigate this matter represents a failure to comply with the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, ( CFPB Complaint # XXXX ). I submitted another complaint concerning an account on my credit report, citing late payments. I have followed all necessary procedures, including providing valid proof of address, ID, and Social, to prompt a complete and thorough investigation. However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611. Should you fail to provide a method of investigation. I request that you delete the late payment recorded for XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I XXXX XXXX hereby attach documentation showing proof of a XXXX  XXXX Bankruptcy petition filed XX/XX/XXXX, and completed with disbursements XX/XX/XXXX. My husband and I successfully completed our XXXX bankruptcy and adhered to every instruction of the trustee of our case. However, several of my previous creditors that I had prior to the original filing in XXXX have maintained an ongoing record of the account in question, and in some cases passed my personal information onto debt collectors or buyers in violation of the Fair Debt Collection Practices Act. I hereby demand that any information pertaining to XXXX XXXX be purged immediately and permanently. I also request the Consumer Financial Protection Bureau to levy fines against these creditors and/or debt buyers for the violation of an American consumers constitutional rights. The transfer of my personal information while bankruptcy was either pending or discharged is a deplorable act. Accordingly, I demand that any information to past accounts be deleted on all three major credit bureaus, XXXX, XXXX, and XXXX XXXX respectfully. Please send notification to the three major credit bureaus to delete all information and purge my information permanently. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: WI

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

I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2024-11-09 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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told the Experian, XXXX, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2024-11-09 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: NH

Complaint narrative:
I am writing to formally dispute the verification responses received from your agency regarding prior complaints of inaccurate late payment accounts, specifically invoking FCRA 611 ( 15 U.S.C. 1681i ). I believe these inaccuracies are a result of a late payment, and your agencys failure to properly investigate this matter represents a failure to comply with the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, ( CFPB Complaint # XXXX ). I submitted another complaint concerning an account on my credit report, citing late payments. I have followed all necessary procedures, including providing valid proof of address, ID, and Social, to prompt a complete and thorough investigation. However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611. Should you fail to provide a method of investigation. I request that you delete the late payment recorded for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Venmo froze my account because of community guide lines which I told them somebody broke in my home and took all my information I sent them my picture ID and Social security card to prove my identity now they saying that they are keeping my {$700.00} for 180 days I told them I have bills and my employer just paid me that money XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) 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.

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account ) appearing on my Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/2022 under the XXXX account. These accounts have resulted in several fraudulent charge-offs, and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity reactivity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request the accounts be removed within 4 days of receipt in accordance with the law. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) 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.

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account ) appearing on my Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/year> under the XXXX account. These accounts have resulted in several fraudulent charge-offs, and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity reactivity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request the accounts be removed within 4 days of receipt in accordance with the law. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft.

These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX. Incorrect information on credit file. 
XXXX, XXXX XXXX keeps pulling money from my account, despite no payment plan XXXX, Accounts have been closed

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 2024-11-09 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: GA

Complaint narrative:
XXXX. Incorrect information on credit file. 
XXXX, XXXX XXXX keeps pulling money from my account, despite no payment plan XXXX, Accounts have been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: MI

Complaint narrative:
I am writing to formally lodge a complaint against Discover Card for what I believe to be discriminatory practices, excessive and unjustified account hold procedures, and unreasonable identity verification demands, all of which have caused me significant distress and financial inconvenience. 

In XX/XX/year>, I applied for a Discover credit card, which I was subsequently approved for on XX/XX/year>. Upon receiving the physical card, I discovered that my account was immediately placed on hold, with Discover stating that additional identity verification was required. Over the past month and a half, I have complied with every request, providing an extensive array of personal documents, including my school transcripts, identification, bank statements, and tax returns. Despite my full cooperation, Discover recently informed me that I must redo a notarized form due to a supposed error in one statements balance, with no opportunity to clarify the discrepancy.

Discovers actions appear to be arbitrary and discriminatory, which I believe may be based on my race and geographic location. The continued demands for repetitive documentation, the lack of transparency, and the absence of a formal adverse action notice as required by the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( d ) ( 2 ), raise serious concerns about Discovers adherence to fair credit practices. Under ECOA, creditors are prohibited from treating applicants differently based on race, national origin, or other protected characteristics. Discovers decision to repeatedly delay my access to credit without explanation suggests discriminatory treatment and violates my rights under ECOA.

Additionally, Discovers inconsistent and overly burdensome identity verification requirements likely constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The FCRA calls for fair and consistent identity verification processes, and Discovers refusal to allow me to clarify minor errors without redoing extensive documentation creates unreasonable barriers. This practice also aligns poorly with the Consumer Financial Protection Acts ( CFPA ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provision, 12 U.S.C. 5531, which prohibits creditors from causing substantial, unavoidable harm to consumers. Discovers arbitrary delays have already hindered my plans to use this credit for acquiring an income-generating asset, causing financial and emotional harm. 

Furthermore, I am concerned about the security of my personal data under the XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 6801. Discover has not explained how they are handling my repeated submissions of sensitive documentation, which raises potential compliance issues regarding the safe management of customer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America issued an unemployment debit card to me during XXXX with no security or protection added to the card. Therefore I was a victim of fraud. This was noticed by me in XXXX and shared with the bank. They denied responsibility! Because the bank did XXXX about this problem the fraud continued. I began to reach out to the various companies, stores etc and was able to get more than half of my funds back while the bank kept denying the claims. XXXX my computer was hacked, bank accounts were entered, emails were sent by the hacker posing as me. A police report was filed, an FTC report filed and a XXXX filed all paperwork sent to Bank of America in XXXX. It took the bank until XXXX of XXXX to reach out to me and once again deny claims that were filed with them and the police. Bank of America had plenty of opportunities to retrieve from various places of business video and photos which they failed to retrieve.In XXXX my police report the FTC affidavit and the XXXX is nowhere to be found in Bank of Americas files. But what was found and sent to me via the bank was a long list of double and triple transactions that have yet to be explained to me and magically have been changed in the banks system just two days after the email was sent to me showing this issue. New claims for old transactions were opened by the bank in XXXX without my knowledge or my permission. The bank did this on their own. Upon being sent a box of paperwork by the bank it was clear my account had been cleaned up by someone inside the bank! My original fraudulent claim amount was a on or around XXXX I have gotten back all but XXXX. The bank does not show the credit for this nor do they have the correct calculations. Something that nobody can explain to me. I did my du diligence and filed a claim when there was fraud the bank could careless and continued to deny and or ignore my pleas for help! They cant explain and or just refuse to tell me how the double and triple transactions per restaurant, store have happened instead they cleaned it up! 
I am owed XXXX for fraud and the bank refuses to pay even though their policy states differently. It also appears anyone having anything to do with this at the start and moving through XXXX are no longer an employee of the bank.

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