vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  CREDIT COLLECTION SERV Open options Account # : XXXX XXXXXXXX XXXX XXXX XXXX Open options Account # : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. You MUST provide me a WET INK signature or I'm forced to take legal action against a company that falsely attempting to collect a debt I don't owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE MANA XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. You MUST provide me a WET INK signature or I'm forced to take legal action against a company that falsely attempting to collect a debt I don't owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2024. I got an email that my credit report was accessed. When I logged on to access my credit report, I did not recognize the credit requestor ( Barclays Bank ). I immediately contacted them, after about 30 minutes of back and forth they transferred me to their fraud department. XXXX, the gentlemen I spoke to said to give them about 30 days for them to update that inquiry. In XXXX I access my report and the inquiry was still there. I figured with holiday they were busy and didn't want to spend another 30 minutes of my time on the phone with them. So I decided I would just give them more time. It is now almost 90 days after and the inquiry is still reporting.

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 2024-01-26 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions. 


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 furnishes an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TN

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I assert that the reported accounts are invalid. The associated banks must verify under oath its validity, ensuring it is free from any claims and defenses, including breach of agreement, failure of consideration, or material alterations. Additionally, the respected banks of the accounts must confirm the original lender-provided value. 
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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I request your urgent assistance in investigating and eliminating these fraudulent accounts from my credit repoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX those identity theft has caused significant distress and potential harm to my creditworthiness.

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 2024-01-26 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: NJ

Complaint narrative:
In accordance to the credit reporting act, this creditor has violated my rights under 15 U.S. C. 1681 section 602 states I have the right to privacy15 U.S. C. 1681 section 604A section 2 it also states consumer reporting agency can not furnish an account without my written instruction under 15 U.S C. 1666B a creditor may not receive a payment on a credit card account under an open end consumer credit card as late for any purpose.

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 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I assert that the reported accounts are invalid. The associated banks must verify under oath its validity, ensuring it is free from any claims and defenses, including breach of agreement, failure of consideration, or material alterations. Additionally, the respected banks of the accounts must confirm the original lender-provided value. 
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 2024-01-26 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: TN

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I assert that the reported accounts are invalid. The associated banks must verify under oath its validity, ensuring it is free from any claims and defenses, including breach of agreement, failure of consideration, or material alterations. Additionally, the respected banks of the accounts must confirm the original lender-provided value. 
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 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I assert that the reported account is invalid. COMENITY CAPITAL/ULTA must verify under oath its validity, ensuring it is free from any claims and defenses, including breach of agreement, failure of consideration, or material alterations. Additionally, COMENITY CAPITAL/ULTA must confirm the original lender-provided value. 
COMENITYCAPITAL/ULTA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I assert that the reported account is invalid. CAPITAL ONE BANK must verify under oath its validity, ensuring it is free from any claims and defenses, including breach of agreement, failure of consideration, or material alterations. Additionally, CAPITAL ONE BANK must confirm the original lender-provided value. 
CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
XX/XX/XXXX : I was a victim of identity theft through a theft of my XXXX and associated passcode and wallet. The phone and Apple Card were used to make many unauthorized transactions ( approx {$6000.00} ). I notified Apple/Goldman Sachs within hours of the incident as well as providing a police report to the same effect. I also requested my account be closed as I no longer had the card or XXXX. The account was closed as requested. 

Apple/Goldman Sachs disputed the transactions and after an investigation found all fraudulent transactions to be truly fraudulent and did not hold me responsible. 

XX/XX/XXXX : However, several months later, I was notified of a delinquent account on my credit report in the amount of about {$100.00}. I contacted Apple/Goldman Sachs to dispute this report and informed that as a matter of course in reversing the fraudulent transactions, Apple/Goldman Sachs actually charged me a small percentage of each transaction due to their rewards program. 

I explained that I did not have access to these rewards as I lost the phone and closed the account ( I actually believe the thieves may have used those rewards too ) and that I should not be responsible for downstream effects of fraudulent activity, regardless of Apple/Goldman Sachs rewards program . 

They informed me they would open a dispute and I have had no resolution since. 

At the same time, I filed an identity theft dispute with XXXX and XXXX ( the reporting agencies at this time ). They both opened investigations and apparently Apple/Goldman Sachs continued to verify the accuracy of the delinquent account. 

In early XX/XX/XXXX I paid the full balance Apple/Goldman Sachs alleged that I owe to a void their continued reporting, however I contest that any amount was ever owed. 


I have also attached the original dispute letter which includes my police report as well as my FTC Identity Theft Report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
hi my name is XXXX and I am a victim of identity theft. all 3 beauros ( XXXX, XXXX, and Equifax ) have used my information without consent or my authorization. It is clear in the law that consumers have the right to privacy which all 3 beauros have violated my federal rights. they have not done their grave responsibility to protect my right

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
hi my name is XXXX and I am a victim of identity theft. all 3 beauros ( Experian, XXXX, and XXXX ) have used my information without consent or my authorization. It is clear in the law that consumers have the right to privacy which all 3 beauros have violated my federal rights. they have not done their grave responsibility to protect my 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 non-monetary relief
Consumer complaint received 2024-01-26 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act APPLECARD/GS BANK USA has violated my rights with Account # XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 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 2024-01-26 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.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : -

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 2024-01-26 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.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX  Balance : -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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 disputed the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX And nothing happens. No deletions no responses nothing Then I submitted a complaint with you guys requesting items be deleted within four days or proof investigation showed they were mine which I know it couldnt have because they are not I submitted police report number identity theft report number etc and nothing happened XXXX XXXX got deleted off equifax and XXXX XXXX and XXXX got deleted off XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: MicroBilt / PRBC (formerly CL Verify)
State: TX

Complaint narrative:
I am writing to bring to your attention the serious infractions committed by MicroBilt regarding the accuracy and privacy of consumer information, as mandated by the Fair Credit Reporting Act ( FCRA ). This issue needs immediate attention and resolution to prevent further harm to consumers. 

Based on the information provided, it is evident that MicroBilt is not reporting accurate information, a violation of [ 15 USC 1681e ] ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information pertaining to individuals in the reports they prepare. 

Furthermore, MicroBilt is in direct violation of [ 15 USC 1681b ] ( a ) ( 2 ) of the FCRA, which permits consumer reporting agencies to furnish consumer reports only in accordance with written instructions from the consumer whose information is being reported. I would like to emphasize that I have not granted authorization to anyone to access my private and confidential records, including the information that your agency is currently reporting. 

These transgressions directly infringe upon my rights as a consumer, particularly my right to privacy, as outlined in [ 15 USC 1681 ] ( a ) ( 4 ). It is crucial to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. 

To rectify the aforementioned violations, I humbly request that you take immediate action to delete the erroneous items specified in the attachment from my consumer file within your agency. Failure to comply with this request will leave me with no option but to pursue appropriate legal action. 

I want to draw your attention to the seriousness of these violations. Identity theft is a grave offense, and these actions can be classified as aggravated identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). Knowingly transferring, possessing, and utilizing someone's means of identification without lawful authority is a felony punishable by up to two years of imprisonment, in addition to civil liability.

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 2024-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Stellantis Financial Services US Corp.
State: NC

Complaint narrative:
Sent a notice of right to cure default the day after a payment was made. Given 10 days to make another payment when my payment was two days late. They have been threatening me to cure the car with no reason at all. I have 1 year left and it seems like they keep threatening to come get my car without cause and it feels very intimidating and illegal. You have people that are 60 days late.

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