vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is an identify theft issue and we have submitted all documents to the authorities and FTC. This is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name XXXX XXXX Account number XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Debt Account Number : XXXX Creditor : XXXX XXXXXXXX Amount : {$280.00} Dear Sir or Madam, I am writing in response to a notice I received regarding an alleged debt referenced above. This letter serves as a formal request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : Verification of the debt : The amount of the debt and an itemized statement of how it was calculated. 
Creditor information : The name and address of the original creditor to whom the debt is owed. 
Proof of your authorization to collect this debt on behalf of the original creditor. 
Documentation of my liability : Copies of any contracts, agreements, or signed documents that prove my legal obligation to pay this debt. 
Proof that the statute of limitations on this debt has not expired in my state. 
Information on the chain of ownership if the debt has been sold or transferred from the original creditor to your agency. 
Please cease any further collection activities, including reporting this debt to credit reporting agencies, until you have provided proper validation of this debt. 
Additionally, I request that you inform any credit bureaus to which you have reported this debt that it is currently being disputed. 
Please send all documentation to my mailing address listed above. If you are unable to provide the requested validation, I ask that this debt be removed from my credit report immediately. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm Inc 's negligent and unlawful reporting of charged-off accounts on my credit report, in evident violation of the Fair Credit Reporting Act ( FCRA ). 
The accounts in question were charged off incorrectly and have been misreporting to credit reporting agencies. This action by Affirm Inc. constitutes a gross violation of consumer protection laws and is adversely impacting my creditworthiness. 
Inaccurate Reporting : The account reported by Affirm Inc. as " charged off '' is incorrect. I have made all efforts to address this issue directly with Affirm Inc., but they have failed to rectify the matter or provide proper documentation supporting their erroneous reporting. 
Violation of FCRA : Under the FCRA, Affirm Inc. is required to provide accurate information to credit bureaus. Their blatant disregard for this legal obligation is causing significant harm to my financial reputation and stability. 
Failure to Investigate : I have disputed this inaccurate reporting with both Affirm Inc. and the credit bureaus, but Affirm Inc. has not conducted a reasonable investigation into the dispute, as required by law. Their failure to correct this error is both unlawful and unacceptable. 
Adverse Impact : Due to the false reporting, my credit score has been unfairly affected, leading to denial of credit and financial opportunities. This is causing undue stress and financial hardship. 
I demand that the CFPB take immediate action to investigate this matter thoroughly and ensure that Affirm Inc. corrects the inaccurate reporting. I also request that Affirm Inc. be held accountable for their negligent practices, which are in violation of my consumer rights. 
Thank you for your attention to this matter. I expect a prompt resolution and the immediate correction of this incorrect charge-off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/year> under the account number ( private ), I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) 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 2024-09-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX  Account Number : XXXX Balance : {$3500.00} XXXX  XXXX Account Number : XXXX Balance : {$2500.00} XXXX Account Number : XXXX Balance : {$35000.00}

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 2024-09-28 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: NY

Complaint narrative:
**Statement of Identity Theft Incident** All this information I have was provided from Experian Credit Report I will make a separate one for the other two bureaus.

In these past few months, I discovered that my personal information had been used fraudulently to open bank accounts, credit cards, and loans in my name. I did not authorize any of these activities, and I am a victim of identity theft. Below is a list of unauthorized inquiries and accounts that were opened in my name : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As soon as I became aware of what was happening to me, I placed a credit freeze to prevent further unauthorized activities. 

Additionally, my information was leaked through the **XXXX data breach** in XXXX and the XXXX XXXX data breach** in XX/XX/XXXX. As a result of these breaches, my personal information has been sold on the internet. 

**Unauthorized Bank Accounts : ** - XXXXXXXX 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 2024-09-28 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: FL

Complaint narrative:
On XX/XX/2024 the IRS deposited an amount of XXXX $ to my closed chase account with a standing balance of XXXX. I called chase that day and asked for a check they said it was sent back to the IRS and should take a week for them to receive the money. A week passed and the IRS didnt receive the money. I then called chase again and they said they paid the balance on my closed account and issued me a cashier check and sent it to an address in ANOTHER STATE where I do not live. Ive requested the change of address so many times when I did bank with chase. They told me I had to file a declaration of lost check form to void the check and that if I had a new account they can wire the money to there. I opened a new account that same day, and was told the back office received the form and that my money would post on the XXXX of XXXX in my new chase account. I called the XXXX and they said it will be processed later that day after XXXX. The morning of the XXXX I called very frustrated and the guy told me I had to fill a form to request the money gets wired to my new account, I asked for a supervisor and after being on hold for 30 minutes he apologized and said he was wrong and that the money will be there by XXXX. XXXX XXXX  I called and the lady said its still pending and should post by XXXX. It is XX/XX/XXXX and theres still nothing. Ive been dealing with this since XX/XX/XXXX at this point I feel like people are lying to me and if thats the case they shouldnt be working at chase and I want to know where is my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to seek assistance regarding a serious and ongoing issue of cyber security and identity theft that I have been experiencing for over a year. It began XX/XX/year>. I started noticing my apps were altered, my passwords were constantly being changed and still is, my information gets altered, they have tried to personate me. Despite my efforts to secure my personal information and take preventive measures, the hackers continue to exploit my identity, causing significant distress and financial harm. In XX/XX/year>, I changed phone carriers and switched to XXXX. This is where the issues escalated. My phone number was different, my bill did not match my XXXX. information, and my XXXX account sometimes did not match the IMEI number. Additionally, my devices would occasionally show another name. My passwords began to be changed, my apps looked strange, my downloads were missing and indicated they were on another device. I noticed screen sharing on my devices, my camera light turning on, and overheard conversations coming from my phone. I notified XXXX and began paying for XXXX XXXX in XX/XX/year>. I filed a police report in XX/XX/year>, left XXXX, purchased a new XXXX XXXX XXXX, and started with XXXX in XX/XX/year>. Despite these efforts, the hackers have persisted in their malicious activities. I purchased an XXXX XXXX XXXX, hoping that the advanced security features would help protect my personal information. Unfortunately, the hackers have persisted in their malicious activities, even with this new device. I am a XXXX XXXX XXXX at a district for public schools and a XXXX XXXX XXXX. Since the very beginning of this ordeal, I have had XXXX XXXX, but they have not provided the assistance I need. As a result, XXXX decreased my limit and so that is now on my credit report. They didn't want to work with me nor did they care. And my credit score has suffered significantly. Despite providing police report numbers and filing fraud disputes, my situation remains unresolved. My payments are constantly late, leading to increased fees and higher minimum payments. I spend hours every week on the phone with various entities trying to resolve these issues. Not even during XXXX. But yet they didn't work me, nor cared I was the victim, and treated me with no respect. Little by little every credit card company has made me feel like I am nothing. I have lost everything I worked so hard for. And I am the victim here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: MA

Complaint narrative:
Heres the updated statement incorporating the Fair Credit Reporting Act ( FCRA ) : " I recently reviewed my credit report and noticed several variations of my name, incorrect addresses where I have never lived, and outdated phone numbers. I am particularly concerned because I have identified fraudulent activities associated with certain accounts on my credit report. Additionally, my information was exposed in the XXXX data breach. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, and I intend to exercise that right. ''

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 2024-09-28 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: GA

Complaint narrative:
XXXX XXXX  open a credit card in my name through the pandemic with out my knowledge this credit card does not belong to me I have called multiple times and ask them to take this off my credit report they have committed fraud and identity theft afoant me by using my information to open this credit card in my name, I want this card removed from my credit report immediately, I will sue this company for damages and keep these complaints as proof that XXXX XXXX  will not provide evidence to me as I requested they have refused, this XXXX XXXX  needs to be investigated because this card was open when the coronavirus started and this has caused XXXX problems with finding work and has did damage, Im demanding that XXXX XXXX  removed this off my credit report, I have spoke to them on the phone problem is they have sent me to several different departments nobody wants to speak to me about the issue and problem, they hang up on me, all there doing is using my identity to try and keep my information, they have sent things through the mail wanted me knowing I do not stay at that address which it is my girlfriends address not mine shes fixing it file a complaint for harassment because my information was leaked on the web with all my information because other credit cards were open in my name and those credit card companies took me serious I done showed XXXX XXXX  the amount of identity theft that had happen to me and they will not take this serious this is my last straw I will sue this company for actual damages, Im tired of this completely this card was not open

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