vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Identity Theft and Unresolved Collection Account with XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding my identity and credit profile. In XX/XX/2020, I fell victim to identity theft, and as a consequence, my personal information was compromised. Since then, I have been diligently working to rectify the aftermath of this incident. 

Among the various challenges I am facing, one specific issue pertains to an unresolved collection account with XXXX. Despite my efforts to dispute the validity of this account, the company has refused to delete it from my credit report. I have attached relevant documentation, including a copy of the police report filed in connection with the identity theft, to support my case. 

The incident of identity theft has had severe implications on my financial standing, and the inclusion of an unjustified collection account on my credit report only exacerbates the situation. I believe that the persistence of this entry is unwarranted, considering the circumstances surrounding the theft and the steps I have taken to rectify the matter. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and facilitating the removal of the XXXX collection account from my credit report. I have made multiple attempts to resolve this issue directly with XXXX through the dispute process, but my efforts have been unsuccessful. 

I trust that your agency, with its commitment to consumer protection, can help bring resolution to this matter. I appreciate your prompt attention to this issue and look forward to a swift and favorable resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I had this account and I paid it off, I had a unauthorized charge on my account when I noticed I called Avant credit card immediately per the representative she transferred me to the fraud department they cancelled the card and sent me another one, a week later the funds were place back into my account and a representative called and asked if I still had the original card in my possession which I did he then went on ask me if I had let anyone use my card to informed no, he then asked me if my belongings in place out my view I told him yes in my locker at work and that was the end of the call. After the call I received a bill for {$550.00} for the charges placed on the account I called back and asked why because I didn't have a police report and I left my purse in a community are I went and filed a report and provided them with the police report, and the following business day they told me a representative would call back. Apon that call they said I was responsible for the charge ( s ) and they closed the account and began charging me late fees which now is reporting {$930.00} as a charge off. I've have called to settle this debt and every time they say they say they will send me an itemized bill and I've yet to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/XXXX at XXXX, I transferred {$180.00} of available funds from one of my checking accounts to the other. This transaction was completed. At some point after this, the bank reversed a claim of dispute and debited my first account for {$260.00}. Then on XX/XX/XXXX, the transfer made by me was reversed and the money removed from the 2nd account, and placed back into the first account because the claim reversal caused an overdraft. I contacted the bank, and was told the transfer I initiated never completed which is a lie. They waited until I made a cash deposit into 2nd account, then went in and moved the transfer back to the first account to cover their overdraft of reversing the dispute claim. I find this type of behavior to be wrong and has left me with no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: CA

Complaint narrative:
I was never provided with proper debt validation. This is not my debt and have requested original contracts or promissory notes from debt collector but never received any of it. This is in violation with the laws under FDCPA. I demand this invalidated debt be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I keep getting soft inquiries from XXXX for no apparent reason, this needs to stop now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report I noticed some hard unauthorized inquiries and some accounts that are not mine. I did not make or gave these companies authorization to run my credit.

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 2023-12-14 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: CA

Complaint narrative:
I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX 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 non-monetary relief
Consumer complaint received 2023-12-14 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: CA

Complaint narrative:
I reviewed my Equifax credit report, and found inquiries listed from creditors whom I did not request credit from. The dates and companies are as follows : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I contacted each company on Wednesday XX/XX/2023 to inform them that I was not the person who inquired about or applied for credit with them. Each company informed me that I needed to contact the credit bureau ( s ) to submit a dispute. I contacted Equifax on Wednesday XX/XX/2023 at approximately XXXX. XXXX. I was informed by the Equifax representative, that I must fill out a complaint with the FTC and/or the CFPB. I am requesting an investigation into this matter, and immediate removal of the above mentioned inquiries from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: AZ

Complaint narrative:
Synerprise initially contacted me by phone on XX/XX/XXXX. I verbally received some verifying information, but was also told verbally that it was not validation. I verbally disputed the debt and requested validation be sent. On XX/XX/XXXX after receiving no further contact, I called to once more request validation and was told a letter had been sent the previous Wednesday ( XX/XX/XXXX ). I had not received it by XX/XX/XXXX, and so sent a letter disputing the debt and requesting full verification compliant to the Fair Debt Collection Practices Act, 15 USC 1692g. 
The aforementioned letter did happen arrive the next day, but it was in actuality a bill without even the required validation information on how to dispute the debt or warning that that it would be assumed as valid if not disputed within 30 days. 
I received a response to my request on XX/XX/XXXX, but it contained identical if not less information than the previous letter. The only acknowledgement of my request were the lines : Please be advised that in response to your dispute and request for verification, has investigated this matter. [ sic ] We have verified that the total amount owed is accurate. 
which clearly does not qualify as sending me verification of the debt. 
I have received no further contact from Synerprise, including attempts to collect the debt. This is fitting, as they have not sent me the validating information that would be required to continue attempting to collect. They have, however, reported the debt as delinquent to all three major credit bureaus, which is an unfair practice given that they still have not verified it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-14 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: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I went online to see when a payment was due for my credit card that I hadnt used since XX/XX/2XXXX because I wanted to pay it off. I noticed several charges starting from XX/XX/. All of the charges were from XXXX XXXX and XXXX. Many were charged on the same day in the same stores but different locations. All of the charges totaled over {$600.00}. I reported the charges and a so called investigation was done and determined that the charges were mine. I appealed the decision and was emailed the same day within hours of my request that the decision was being upheld. I received no explanation of how this investigation was done or how the decision was made despite asking. Typically credit card companies recognize unusual spending habits and you are alerted. My car was dormant for seven months except for payments and suddenly its active and being used erratically at convenience stores. That in itself is a red flag. I have a personal loan with this same credit card company Avant. Payments are made every month on time. I am not getting any help from them. Once this is resolved, Im paying this card off and closing my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 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: FL

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 inructions 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 non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was required to verify my ID thru TransUnion Secure ID this afternoon. I took the test twice and failed on line. I then called the indicated number, XXXX did on line with support person and failed twice. My answers were correct to the best of my knowledge as they were flawed questions. One time asked if my XXXX year deceased ex husband, XXXX XXXX , lived in Texas . Did they mean before he died? First I put yes and failed. 
Then second time I put no since dead and failed on both times. None of the street numbers, names of streets, former employers or other info was applicable and put none of above. In one set asked about deceased former mother in law, XXXXXXXX XXXX if lived in XXXX and I said yes once and no the second time and failed both. Then asked about former sister in law have not seen and do not know if alive in over 25 years about living in Texas failed. So called for numbers given for assistance to no avail for over 2 hours XXXX then XXXX and finally XXXX. My Security report number was XXXX. 
They suggested I print my credit report. I did and nothing on there supported my failure. 
The authentication questions to verify my identity were the same list of question for getting my report as questions I failed on Identity ID earlier except for the dead people and I passed to print report. None of that info is on my report. This is crazy. I need a human to help correct this inaccurate info.

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 2023-12-14 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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have always been sent paper statements. Citi discontinued sending paper statements without my request to do so. No emails were sent to me alerting me of payments due. I received voice mails after the payments were deemed delinquent and late fees were charged to me. I called and complained. The late fees were not withdrawn, they will not send paper statements as I have requested and continue to charge me late fees and list me as delinquent and subsequently damaged my credit rating. Im responsible about my payments as my other credit card companies will attest to. I need help from you with this issue. 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 monetary relief