vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : 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 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 2024-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: NY

Complaint narrative:
I spend six weeks on XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX 
by last or first days on XXXX open d an account.. 
Is about same XXXX # XXXX .last week I got a call from key Bank. ask first r details for the case. 
The first time I ask by email..bank mentioned on SUBJECT..write Case # XXXX These day I were there, a person were there too XXXX XXXX. phone # XXXX who I calld ask remains these days .he does, were agree I should ask for that account. 
any question you can contact him. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: OH

Complaint narrative:
XX/XX/XXXX I have never been associated with none of these addresses. I have been a victom of identify for years and im here to clarify it. These accounts listed needs to be removed off my report asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 


Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$310.00} XXXX Balance {$590.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX Balance {$13000.00} Date Opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
EXPERIAN is still reporting me as an authorized user on my wife 's ( XXXX XXXX ) XXXX XXXXXXXX credit card. 

XXXX XXXX asked the issuing bank to remove that authorizations several months ago

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 2024-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I just received a notification from the credit bureaus that Credit Collection Services is reporting a collection to the credit reporting bureaus in the amount of {$480.00}. I have never entered into a contract with Credit Collection Services neither have I ever received anything from this company in reference to a collection and this is in direct violation of 1006.34 Notice for validation of debts. Please either provide a copy of the certifed notification of debt sent to me via mail and with my signature or Please remove this collection account from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Opened : XX/XX/year> Balance : {$0.00}

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
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I included American Express in a bankruptcy 15 years ago and was discharged. My husband opened an Amex in XXXX and attempted to add me as an authorized user. After multiple calls I was told that until I pay them back I can not even use my husbands card. My credit is solid. We live in Texas. It is a mutual property state. They knew I was his wife when he applied as I was part of the application. I believe they are simply illegally attempting to collect a discharged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: NC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however, the information was not provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, FTC complaint, a copy of the report showing my information in the data breach, and a validation of debt letter.

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
am disputing an alleged debt of {$440.00} reported by Midland Credit Management ( MCM ) and originating from XXXX Bank ( XXXX Credit ). The claims related to this debt are inaccurate and unverifiable based on the following : Unrecognized XXXX Credit Accounts : XXXX linked the debt to XXXX XXXX XXXX account numbers ( ending in XXXX and XXXX ) that I have never opened or authorized. 
I have had a XXXX account for 12 years, tied to my email address, but I have never had a XXXX XXXX account with digital account numbers as claimed. 
Positive Balance and Payment History : On XX/XX/year>, I received a XXXX payment of {$910.00}, which should have fully covered any outstanding balances. 
I maintain that my account had a positive balance, leaving no possibility of owing money. Despite this, XXXX Bank issued a statement for {$160.00} in XX/XX/year> without explanation. 
No Grammarly Purchase in History : MCM claims the debt includes a Grammarly purchase in 2023, yet : My XXXX transaction history shows no such purchase. 
My Grammarly subscription was canceled on XX/XX/year>, as confirmed in an email from XXXX. 
Documents provided on XXXX 's website under this case show no transaction history for a XXXX purchase. 
Request for Validation Ignored : I have contacted XXXX Bank and XXXX multiple times to request validation of the debt, including : Proof that I authorized the XXXX Credit accounts tied to the alleged debt. 
A full transaction history and explanation of how the {$440.00} balance was calculated. 
Confirmation of whether XXXX itself was consulted during this investigation. 
To date, neither XXXX Bank nor XXXX has provided adequate validation of this debt. XXXX continues to report this collection to credit bureaus, harming my credit score, and has made repeated unauthorized credit inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
A few years back, I submitted a claim to Equifax for reimbursement of funds associated with efforts I had to undertake to protect my credit after Equifax had the serious data breach. On XX/XX/year> I received an email from Equifax indicating that I had a ballot claim and it was eligible for payment and that I would be sent an electronic prepaid card the week of XX/XX/year>. I did not receive the prepaid card or an additional email. I contacted Equifax last week and could not get a straight answer on the status of my claim. Here is a copy of the email I received from Equifax on XX/XX/year> at XXXXXXXX XXXX XXXX Eastern standard time. 

You have a valid claim and are eligible for an additional payment. It will be sent to you by electronic pre-paid card. 

You will receive an email from XXXX the week of XX/XX/year> with instructions to redeem your electronic pre-paid card. 

For more information about the Settlement, please visit the Settlement Website at www.EquifaxBreachSettlement.com. 

This notice is from the Court-appointed Settlement Administrator ( XXXX XXXX XXXX ), not Equifax. Please do not contact Equifax with questions. You may contact XXXX  by email at XXXX, by phone toll-free at XXXX, or by mail at Equifax Data Breach Settlement , c/o XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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.
State: FL

Complaint narrative:
Transunion has provided a letter showing they have deleted the disputed account after they have completed their investigation of the matter. 
However as of today they are reporting the same deleted account back on my credit report. They have not honored the result of their investigation and have provided a dishonest proof of account deletion letter subject to mislead my lenders whom i have already provided proof that the matter has been resolve. 
Despite Transunion notification claiming that the investigation concluded with a deletion of these account, they remain on my credit report as of todays date. This discrepancy is troubling and misleading, as it suggests that corrective actions were taken when they were not. 
I demand that Transunion remove these account on my credit profile immediately.

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 2024-12-29 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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SKOCKED TO KNOW THAT I HAVE BEEN A VICTOME OF IDENITY THEFT. I FOUND NUMEROUS CLOSED COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS HAS BEEN HURTING ME AND MY CREDIT REPORT AS I AM IN THE PROCCES OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE ALL FRAUDULENT CLOSED COLLECTION ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BALANCE XXXX, ACCOUNT NUMBER XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BALANCE {$2400.00} ACCOUNT NUMBER XXXX, I AM ALSO ATTACHING MY DRIVER LICENSE SOCIAL SECURITY IDENITY THEFT REPORT AND UTILITY BILL. 
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 non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/year> Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX VA XXXX **Subject : ** Cease and Desist Request Under 15 U.S.C. 1692c ( c ) Dear Portfolio Recovery Associates This letter serves as a formal request, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you immediately cease and desist from any and all further communication with me regarding the alleged debt referenced in your prior correspondence. 

Please be advised that I am fully aware of my rights under the FDCPA. Under 15 U.S.C. 1692c ( c ), upon receipt of this written request, you are legally prohibited from contacting me except to confirm your compliance with this request or to notify me of specific legal actions you may pursue. 

I demand that you immediately stop all forms of communication with me, including but not limited to : - Phone calls- Letters - Emails - Text messages- Any other form of contact Failure to comply with this request will constitute a violation of the FDCPA, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's office. I also reserve the right to pursue any and all legal remedies available to me. 

This letter does not serve as an acknowledgment of any debt, nor does it serve as a waiver of my rights under the FDCPA or any other applicable federal or state law. 

Please confirm in writing that you have received this notice and that all further communications have been terminated. 

Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-29 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: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
Bridgecrest is in violation of 15 U.S. Code 1681s3. I was never sent proper notice nor given the opportunity to prohibit such actions taken against me. 
Bridgecrest is also in violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). Reports containing information solely as to transactions or experiences between the consumer and whoever made the report are not suppose to be on my consumer 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 explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
-purchases were continually denied at major retailers that were supposedly accepted American Express gift cards. Tried using gift card at XXXX, XXXX XXXX, XXXX and were declined -previously also received another amex gift card and also had the same issue of constantly having transactions declined both online and in person

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-29 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: CA

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 XXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My Name. My Address My Personal Information has been named in a Data Breach. XXXX XXXX. Equifax. XXXX. Are reporting False information on me contacting to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Prepaid card — Gift 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:
Attempted to use the {$200.00} amex gift card on zappos.com and on XXXX it got declined on both occasions. Amex customer service could not help with this issue. 
Card number XXXX XXXX XXXX XXXX Expiration date XXXX XXXX XXXXXXXX I'm not sure how this situation can be solved it seems to be a circle of no solutions. It would be great if you can provide a solution. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-29 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: NJ

Complaint narrative:
Someone had opened a discover credit card under my name without my knowledge in New Hampshire but I never lived in New Hampshire. I never applied for the account nor allowed anyone to apply on my behalf. I found the credit card on the experian credit reports and disputed the unauthorized account last month through experian, but discover bank and experian are refusing to remove the unauthorized account from my credit reports. I filed a police report for the unauthorized account, sent the police report to them but the discover bank and experian still refusing to remove the account from the credit reports. XXXXXXXX XXXX case number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief