vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: WA

Complaint narrative:
I opened my credit report and saw 2 collections from XXXX. It said I owed XXXX. I have no medical debt I checked with My insurance provider as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Please help me to recover the amount on my credits cards that was used be the scammer. Because since I joined this Lexington law firm the scammer got my name and it is on the dark web. Now I owed more than {$50000.00} on all my credits cards which i dont think I used that money. I have an XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX. Please help I will appreciate it very much your kind and support. Thank you I will attach all my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
I have attempted to use the card at various retailers online including XXXX, XXXX XXXX and XXXX. The transactions keep getting declined. I verified that there was sufficient balance through the online portal including waiting 7+ days on amazon for the pre XXXX XXXX cent charge to go away before trying again American express is blocking all transactions on this card and it can not be used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 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: SC

Complaint narrative:
My personal information was leaked in several data breaches and I believe these inaccuracies are the result of a data breach that compromised my credit report. Despite my attempts to resolve this matter directly with Experian, the inaccuracies persist, and corrective action has not been taken.The disputed accounts are as follows : XXXXXXXX XXXX  account number : XXXX balance {$1300.00} and XXXX account number XXXX balance 0 ( Reported Charge -Off : {$9800.00} ). I do not owe. I have no record of any transaction or debt associated with these accounts.15 U.S.C . 1681e ( b ) : consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of consumer information. These errors fail to meet that standard. 15 U.S.C. 1681 i ( a ) Upon dispute, consumer reporting agencies agencies must conduct a reasonable investigation.Experian has failed to to verify the accuracy of these accounts or provide any documentation substantiating their validity.15 U.S.C . 1681c ( a ) : Certain adverse information may not be reported if it can not be verified or is inaccurate. These accounts, resulting from a data breach, should not remain on my credit report. These inaccuracies are severely damaging my financial reputation.

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 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just recently looked at my credit report on XXXX I saw some hard inquiries that did not have permissible purpose, I also attached evidence XXXX XXXX XXXX XXXX. This has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX ; This has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX ; This has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX XXXX This has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX ; This has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2024-12-31 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: TX

Complaint narrative:
REF : FTC Report Number - XXXX I have a right to privacy and Experian you have assume a vital role in assembling my data. Experian you must respect my rights as a federal protected consumer, and I have lost confidence in the banking system. You have a great responsibility and a duty as a reporting agency to adopt a reasonable procedure for meeting the needs of consumers that is fair and equitable for consumers. The address list on my report I am requesting it be deleted and blocked I never live at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. There is more information that's on my consumer report that is a result of Identity Theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block is not being made in error ; nor is my request to block being made basis on a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
I am requesting the following information be deleted and blocked : XXXX  XXXX XXXX and open on XX/XX/XXXX amount {$1800.00}, XXXX XXXX XXXX XX/XX/XXXX amount {$0.00}, XXXX XXXX XXXX XXXX on XX/XX/XXXX amount {$23000.00}, XXXX XXXX amount {$0.00} open XX/XX/XXXX, XXXX XXXX open XX/XX/XXXX amount {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$250.00}, XXXX XXXX XXXX open XX/XX/XXXX XXXX {$0.00}, XXXXXXXX XXXX XXXX open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXX open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XX/XX/XXXX amount {$0.00}, XXXX XXXX XXXX  open XX/XX/XXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1100.00} and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$470.00}. I have identified information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency Experian.

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 2024-12-31 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: MA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

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 2024-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I made a charge, returned the item w/i the proscribed time period, merchant did not honor the return. 

I wrote to company, they asked for additional information, I provided it, but they took no action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
I, XXXX XXXX, submit this complaint regarding improper debt collection practices by Hayt , Hayt & Landau , P.L . ( referred to as the debt collector ), which attempted to collect an alleged debt on behalf of XXXX XXXX XXXX, XXXX. 

XXXX. Overview of the XXXX XXXX XXXX XXXX XXXX  I received a letter from the debt collector attempting to collect an alleged debt. Upon review, the communication violates several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and Uniform Commercial Code ( UCC ) : 2. FDCPA Violations Inadequate Debt Validation ( 1692g ) : The letter failed to include a breakdown or proper validation of the alleged debt.

Threatening Negative Credit Reporting ( 1692e ( 8 ) ) : The letter suggested negative credit reporting in a coercive manner without lawful grounds.

Misleading Silence Assumption ( 1692g ( b ) ) : It stated that failure to respond would result in the assumption of the debt 's validity, which misrepresents my rights.

Improper Disclosure ( 1692b ( 2 ) ) : The debt collector disclosed information about the alleged debt to third parties, violating my privacy.

Failure to Identify ( 1692b ( 5 ) ) : The letter lacked clarity about the collectors identity.

Harassment ( 1692d ( 1 ) ) : Their tactics were harassing and caused distress.

3. UCC Violations Lack of Proof of Assignment ( 9-406 ) : The debt collector did not provide documentation proving the lawful assignment of the alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Failure to Acknowledge Secured Interests ( XXXX ) : I have a UCC lien ( XXXX no. XXXX ) protecting my assets, which takes precedence over any claims, but this was ignored. 
4. Request for Action I request the CFPB to investigate these violations and compel the debt collector to : Provide full validation of the debt and documentation proving the lawful assignment.

Cease any further collection actions until the debt is properly validated.

Ensure compliance with federal and state laws in their practices.

5. Relief Sought I seek relief for the emotional distress and harm caused by the debt collectors violations. Furthermore, I request appropriate penalties be levied against the debt collector to deter future violations.

6. Attachments Copy of the letter received from Hayt , Hayt & Landau , P.L .

Affidavit of Truth outlining the violations. 
XXXX XXXX documentation ( file no. 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 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX closed my account yet its still reporting late payments and balances.with the federal law 15 usc 1681 i was promised accuracy in my report .since this information cant be validated or verified.I want that information about balances and late payments be removed according.also based on FCRA law my information was exposed in a data breach as a result of this reporting on my credit that was done without my permission

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 2024-12-31 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: NY

Complaint narrative:
XXXX closed my account yet its still reporting late payments and balances.with the federal law 15 usc 1681 i was promised accuracy in my report .since this information cant be validated or verified.I want that information about balances and late payments be removed according.also based on FCRA law my information was exposed in a data breach as a result of this reporting on my credit that was done without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: NY

Complaint narrative:
XXXX closed my account yet its still reporting late payments and balances.with the federal law 15 usc 1681 i was promised accuracy in my report .since this information cant be validated or verified.I want that information about balances and late payments be removed according.also based on FCRA law my information was exposed in a data breach as a result of this reporting on my credit that was done without my permission

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 2024-12-31 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have tried several times to inform Wells Fargo that my identity was stolen, but they continue to deny my claim and report fraudulent information on my credit report. Being that I had a family member posing as ME in real life, I don't see why they keep telling me what they've verified despite me telling them WITH PROOF that I DID NOT DO THIS! If it isn't resolved as soon as possible, I will have to proceed with legal action.

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> according to XXXX and other Bureaus a multy Credit Check ( and later ) was done on me because XXXX XXXX XXXX XXXX XXXX submitted loans applications ( around XXXX ) on my name without my knowledge and authorization. Some how XXXX XXXX used the documentation they requested from my husband and I to run a soft credit check to see if we qualified for a construction loan ( to build a 3 bedroom house in our property ). Synchrony Bank approved a credit card for {$50000.00} on my name and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I did not apply for the card, did not activate it and did not used. I disputed this card and told the Bank that since they authorized XXXX Construction to use the card and they did, I requested to close the card and to collect the money from XXXX because is a fraudulent card. They refused and stated I benefited from the card but refuse to provide me with documentation or evidence of how I benefited from it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and several other fictitious or real companies have run a XXXX XXXXXXXX fraud from offices in XXXX, California and other victims have the same construction companies and same financial companies involved in this scam. I do not know, never met, never did any transaction, did not approve any trasaction with them did not sign any loan ( plenty of docusign but not my signature and no work done in my property ). There are XXXX solar panels not in service, not in compliance with XXXX XXXX XXXX mandatory construction requirements, not approved by XXXX XXXX and XXXX solar loans claimed by different Construction companies to different financial companies and trying to make me responsible for the loan.

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX my motel refunded XXXX of a weekly reservation. The manager let me take a picture of the screen. The travel agent, super +, didn't refund the money back to me. So I disputed the transaction, but the bank, SoFi, routing number XXXX wrongfully determined that the transaction was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NC

Complaint narrative:
I have tried several times to inform XXXX XXXX that my identity was stolen, but they continue to deny my claim and report fraudulent information on my credit report. Being that I had a family member posing as ME in real life, I don't see why they keep telling me what they've verified despite me telling them WITH PROOF that I DID NOT DO THIS! If it isn't resolved as soon as possible, I will have to proceed with legal action.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
I am reaching out about the refund settlement from Lexington law and credit repair. My address has changed since the settlement went out and I need to give you my new address. 

XXXX XXXX XXXX XXXX XXXX XXXX al XXXXXXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
a check for final payment was received XX/XX/XXXX. I did not receive paid in full notice until XXXX XXXX, 2024. I contacted Bridgecrest XXXX XXXX, XXXX and inquired when I would receive the overpayment around XXXX I was advised that it could take XXXX business days. I was told to call back in a day to see if they have started the refund process, the rep stated she marked my account to expedite. I contacted Bridgecrest and was told that I would not get a refund. I was sent a transaction history of all payments with principal and interest charges. This clearly shows the debit going down. The final shows receipt of payment and an extra {$610.00} interest charge with no explanation. 

Coincidentally this is the overpayment amount plus a {$5.00} late charge I called with no return call and sent an email with no response. 

This company takes advanategous of those who need a car and have bad credit due to XXXX. With their enormous interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items listed to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about to whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : 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 2024-12-31 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: DE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-12-31 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: NM

Complaint narrative:
I am filing this complaint because my credit report shows a collection account that I have no knowledge of or connection to. This account has been mistakenly linked to my profile, and my attempts to address the issue through the credit bureau have not led to a satisfactory outcome. Despite submitting documentation to request verification and removal, the credit bureau continues to report the account as legitimate without providing sufficient evidence. This has negatively impacted my credit score and financial stability, and the lack of corrective action is both unfair and deeply frustrating. 

Account in question : XXXX XXXX : XXXX : {$3600.00}

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 non-monetary relief