vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: LA

Complaint narrative:
I am writing this complaint concerning an inaccurate account and violations per the FDCPA and FCRA regarding an alleged debt place on my consumer reports by a debt collection company called SST. I have never had communication from this company. I have disputed this alleged debt through the consumer reporting agencies, and it returned verified as accurate when the account is in fact inaccurate. I have mailed this company a debt validation letter and I did not receive a response. I did not receive any disclosures regarding this debt, and I did not receive enough information regarding this debt. SST is damaging my reputation per 15 USC 1692d1, they are violating 15 USC 1681s-2 ( a ), and the fact that they did not validate the alleged debt, verified it as accurate as accurate, but continued to report inaccurate account information regarding this alleged debt constitutes fraud per 18 USC 1001 . This company does not have a license to collect in the state of LOUISIANA. The account they furnished is also missing payments. The payments start as " 90 days late ''. This is account is practicing deceptive and abusive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: FL

Complaint narrative:
I am a victim of identity theft credit cards has been open in my name without my knowledge or authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Gift card keeps declining online purchases. I called Amex and they said it was for my " protection '' and said I should purchase in store. Some stores I would like to purchase from do not have XXXX XXXX XXXX locations. It is {$500.00} gift gard that is somehow useless at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My mother is XXXX XXXX XXXX and has XXXX, she is in a vulnerable class and I have recently received online access to her Checking account with 5th/3rd Bank to watch for any fraudulent or suspicious activity since I have had to find XXXX household care for her. I have POA over her health & financial issues and I am also on this Checking account. 
On XXXX XXXX I reviewed her checking account online and immediately saw fraudulent activity as follows : on XXXX XXXX, 2024, there was XXXX transactions to XXXX each for {$490.00} for a total of {$11000.00}. 
My mother has never had a XXXX transaction on her account, she has no computer, no cell phone, no email, no debit or ATM card. 
The bank never flagged this as suspicious activity and no one on the account was notified. The bank saw nothing suspicious and when I contacted them and asked them to look at the activities from XXXX XXXX they still could not see anything suspicious and asked me what was wrong. I have filed a dispute with the bank Case # XXXX and a Police report # XXXX. I have asked that someone from the Investigation Dept call me with any questions or status. Today I called looking for the status they claim the Investigating team sent a letter to my mom requesting more information. 
I keep explaining that my Mom has XXXX and does not even know about the compromise, I asked if I could speak to the team to answer their questions and get this moving along and they said they have no phones in that dept and could not give me anyone. I asked who their Prudential Regulator was and the employee XXXX XXXX XXXX said he did not know and could he put me on hold to find out. When he came back he said nobody knew and would was transferring me to Customer Service and then I was disconnected. 
My concern is not only about the money ; I am also concerned about her safety being with a caregiver who may be responsible for this theft. I have explained the urgency and have asked them to escalate this investigation since she is in a vulnerable class and have not been able to get any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: CA

Complaint narrative:
I am reaching out to revisit the matter of unauthorized hard inquiries present on my credit report, which I previously disputed. Despite my initial communication, I have yet to receive any acknowledgment or confirmation regarding the removal of these inquiries from my credit profile. My concern persists regarding the inclusion of unidentified information in my report, and I find it necessary to reiterate the seriousness of this issue.

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 2024-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendingPoint Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Actions Taken : sent companies identity theft, affidavit report, police report filed with the XXXX Police Department for fraud with all fraudulent accounts added to report. 

Spoke with representative XXXX XXXX from XXXX on XXXX XXXX they agreed to remove the fraudulent accounts, but they have yet to do so. 

Spoke with representative XXXX XXXX XXXX XXXX from Lending Point LLC he told me the account was taken out in my name by a XXXX XXXX XXXX. I do not know who they are nor did I authorize them to use my information to take out any type of loan. 

The loan that was taken out were done online electronically from Lending Point LLC by XXXX XXXX. My name is XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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 a victim of identity theft credit cards has been open in my name without my knowledge or authorization.

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 2024-02-23 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: FL

Complaint narrative:
I am a victim of identity theft credit cards has been open in my name without my knowledge or authorization.

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 2024-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to dispute the accuracy of certain information on my credit report, as provided by the three credit bureaus. Upon reviewing my credit report, I have identified discrepancies that require immediate attention. The details of the disputed information are as follows : Creditor Name : Kohls Description of Inaccuracy : The account is reported as " a charge off as bad debt '' when it is closed.

I am disputing this information because the account with Kohls was closed. According to my understanding of the Fair Credit Reporting Act, when a credit card account is closed by the creditor, I reserve the right to give permission to any collection agency to obtain my information. Therefore, it is inaccurate to label the account as " a charge off as bad debt '' when it has been closed. 

As per my rights under the Fair Credit Reporting Act, I am entitled to an investigation of this matter. I request that you conduct a thorough investigation into the disputed items and, if found to be inaccurate, remove or correct them promptly. 

Please provide me with a written explanation of the results of your investigation and any actions taken as a result. Additionally, I request that you provide me with an updated copy of my credit report once the investigation is complete, reflecting any changes made. 

Thank you for your prompt attention to this matter. I look forward to a resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D'Aquila, Contreras and Vega, A Professional Law Corporation
State: LA

Complaint narrative:
I called to check on my account to be verified by the law firm so it can update on my credit report. On a recorded line I was told that total Choice credit union stop the payments but the wasnt finished so they would start it back up soon but everything was paid. XXXX XXXX XXXX XXXX on a recorded line asked be to get the documents by email but XXXX XXXX XXXXXXXX refuse to send me those documents so I suggest it to be sent to the credit union at a later date I was sent some off the documents with incorrect date and payments months prior to tht I called be for and my payments werent update now theres another problem I been calling both lenders and debt agencies and I been given the runaround.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
I do not recognize these inquiries on my report. I called in to the bureau asking them to remove them and they informed me that they needed me to complete an FTC report in order for them to do so. I have went ahead and did that. Please remove these Inquiries from my report as they are not mine. The Inquiries that need to be removed include EQU : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am formally requesting XXXX to block an inaccurate, invalid, and fraudulent bankruptcy public record from displaying on my credit report. This bankruptcy was not initiated by me ; it is a consequence of identity theft. I urge XXXX to eliminate this false bankruptcy entry promptly. 

XXXX has stated that I have not provided sufficient identification to proceed with the bankruptcy dispute. However, I have sent copies of my identification and the FTC identity theft report to XXXX via USPS certified mail multiple times in recent months. I am attaching the necessary identification documents to this message, along with additional evidence, to prevent any further complications. 

In the past, XXXX asserted that the bankruptcy had been verified as accurate, despite my repeated explanations that it is a result of identity theft and not filed by me. Despite providing substantial documentation and evidence to support my claim, XXXX has failed to remove this inaccurate and fraudulent bankruptcy record from my credit report. 

XXXX claims to verify records using Lexis Nexis as a source, but my credit report with Lexis Nexis has been frozen, thus preventing any information from being shared with XXXX. This clearly indicates that XXXX 's verification process with Lexis Nexis is flawed. I urge XXXX to promptly rectify this error and remove the fraudulent bankruptcy record from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: FL

Complaint narrative:
I have a total of 4 accounts with XXXX XXXX XXXX XXXX Equifax is only reporting 1 of the 4 accounts I have from XXXX XXXX I also have a XXXX XXXX credit card that is not being reported as well. all 4 XXXX XXXX accounts along with the XXXX XXXXXXXX credit account is reported on XXXX and XXXX, Equifax is only reporting 1 account out of the 6 open accounts...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
AMERICAN EXPRESS Account type - Credit card Date opened - XXXX. XXXXXXXX XXXX  Address AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX Above Account created under AMERICAN EXPRESS without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: 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 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 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 non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lotane & Associates, P.A.
State: FL

Complaint narrative:
In XXXX, I received a collections request, Lotane and Associates, representing XXXX XXXX medical center. I spoke with the company about paying the debt off, they informed that I would be able to make payments via the website and settle the account for {$1200.00}. My payments could be made online and once the account was {$0.00} the account would be considered resolved. I made payments on the account totaling {$1200.00} bringing the balance to {$0.00}. 

{$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$85.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$85.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$100.00} XX/XX/XXXX Final payment of {$250.00} XX/XX/XXXX totaling {$1200.00} The company then obtained a judgement against me in XX/XX/XXXX, after I paid the debt off for {$1500.00} stating to the court that I had only paid {$600.00} towards the debt. I had in fact paid the balance off via their online portal and have the emailed receipts. 

The judgement was just mailed and emailed to me XXXX of XXXX, prior to this, for 5.5 yrs there was no communication about this judgement, I was not even informed this was going on. The judgement was sent to an old address that I no longer resided at in XXXX. I immediately reached out to them when I received the judgement in XX/XX/XXXX via phone and email to resolve the debt and show that it was paid off. The company is refusing to acknowledge that this debt was settled. I have copies of the receipts from the companies website showing payments made. 

Lotane and Associates Ph : XXXX | Fax : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2024-02-23 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-02-23 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: Atlanticus Services Corporation
State: PA

Complaint narrative:
FORTIVA/XXXX  Account type - Credit card Date opened - XXXX XXXX, XXXX  Address FORTIVA/XXXX  XXXX XXXX XXXXXXXX XXXX, GA XXXX Above Account created under FORTIVA/XXXX  without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief