vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report several fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card accounts opened at XXXX Lending on XX/XX/XXXX under the account number ( private ), XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws

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 2024-09-21 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 am filing this FTC Identity Theft Affidavit to report several fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card accounts opened at XXXX Lending on XX/XX/XXXX under the account number ( private ), XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports 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 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
My name is XXXX XXXX XXXX. I have XXXX credit cards with Bank of America. When I opened my credit cards there was a no interest period for about 18 months on each of them. The accounts are about 6 months old so this period has not elapsed. When I got my statement on XX/XX/year> I was shocked to see that I was charged interest on both of the credit cards. In the statements it says I have been charged interest on the whole amount I owe and I did not do any cash balance withdrawal or anything like that. I have tried to get an appointment with my closest bank and I cant seem to find an open appointment. This is a deceptive practice that should be investigated throughly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-21 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have disputed this account with the CFPB and the company has not honored any of my efforts. 
As I take a closer look Ive recognized that the information they've reported to the XXXX major CRAs do not add up. So not only have my rights been violated as stated in my previous CFPB report, but the info in the consumer reports are also inaccurate. Pictures will be attached, inaccuracies color coded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and were opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 

SOFI BANK Account Number : XXXX Charge Amount : {$26000.00} Date Opened : XX/XX/year> Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
On XX/XX/XXXX I attempted to login on the citi bank mobile app with my online credentials to access XXXX Citi bank regular checking account ending in XXXX and my Citi XXXX savings account. For some reason when I logged into my account thru the there mobile app the access to both my citi accounts were blocked by Citi Bank with no info on why my accounts were closed. My funds from my citi bank regular checking account ending in XXXX were frozen as well that same day. The amount of funds that were frozen in my citi bank regular checking ending in XXXX on XX/XX/XXXX was {$180.00}. 
I contacted Citi Bank the same day on XX/XX/XXXX and asked why my checking and savings account were closed and why my mobile login access was blocked they told me very little information and said I couldnt bank with them no more and that my accounts were being permanently closed. So I told the citi bank representative, if my accounts are going to be closed then how will I get my {$180.00} back that were frozen in my citi bank checking account that I opened with them and she told me they couldnt do nothing about it! So I am complaining today because I want Citibank to mail me my funds to the address i have on file with them which is the same address I used to open my bank account with them. I want citi bank to mail me a check for the total amount of {$180.00} that belonged to me and that were frozen on my Citi bank checking account. thank you.

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 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have asked them to remove the collections on my accounts until they provide me with a validation letter. purchase of debt or assignment of debt and cancellation of debt by original creditor since it is a charge off account. I was not provided with the full list I asked for. please ask them to remove until such time time they provide al l details I asked for. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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:
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 168b permissible purposes of consumer reports. 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. 

inquiry was not authorized XXXX XXXX inquiry was not authorized XXXX XXXX inquiry was not authorized XXXX inquiry was not authorized XXXX inquiry was not authorized XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MO

Complaint narrative:
On XX/XX/XXXXXXXX  I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit. 
Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1700.00} Highest balance {$3500.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX ND XXXX XXXX ND XXXX XXXX ND XXXX XXXX ND XXXX XXXX ND CO XXXX ND ND XXXX ND ND XXXX CO ND XXXX ND XXXX XXXX ND XXXX ND Current / Terms met XXXX Past due 30 days XXXX Past due 60 days XXXX Past due 90 days XXXX Past due 150 days CO Charge off ND No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XXXX XXXX  150 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XX/XX/XXXX, XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My SSN was part of the recent XXXX XXXX XXXX breach and I found out today, Saturday XX/XX/year> at around XXXX PST. I immediately called all 3 credit bureaus to place a credit freeze. I was able to talk to a live person at XXXX and XXXX after a short wait. 

However, Experian has absolutely no option to talk to a real person without using loopholes. I tried to login online using my SSN, phone number, and other identifying information, but they could not verify my phone number for some reason. 

I XXXX  " how to talk to a live person at Experian reddit '' and of course the reddit users came through. I tried one number someone recommended and got in the queue, but then I got the dreaded " Please call back during our normal business hours on Monday '' voice message. I tried an alternative number some other reddit user provided and then used the verbal prompt " dispute '' because they said that is what got them routed to a real person. I did this, and was immediately routed into the queue! However, I got the " Please call back during our normal business hours on Monday '' voicemail again. 

Basically, my complaint with Experian specifically is two-fold : 1. Make it easier for inbound callers to talk to a real person- we aren't calling the credit bureaus because of something that isn't critically important. If we are calling, we want to talk to a human being about our sensitive information 2. Have daytime weekend hours, particularly on Saturdays. Again, if I'm calling you on a Saturday, it must be pretty important- I don't want to wait until Monday to address something like my SSN floating around on the dark web

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 2024-09-21 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 informationisinaccurate. 
Please remove these Inquiries 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 non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My dad who recently passed away has been using fake accounts in my name to steal money from me over the course or a year or so over XXXX $ he would make gambling site accounts with my information and gamble or transfer money back and forth to other banks so I wouldnt know and Im financially been strapped the whole year barely making it because of this the bank is closed and I can no longer access it but the transactions were to a company called XXXX XXXX they should have all the information of dates and time and transaction amounts I cant access those and because of my bank being negative I ended up losing my bank account because I was unable to pay off the money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
sometime around XXXX And XXXX of 2023 my Bank of America account was closed due to fraud. The Account stated that a False checked was deposited into the account from XXXX but i am from and have been in XXXX. I had recently lost my phone around this time with my mobile banking app connected to that lost device. When i tried to log back into the account i was denied of service and with no clue why i tried to open another account. that when i got denied for any and all bank accounts.

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 2024-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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