vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: IN

Complaint narrative:
I am writing to formally complain about Experian, XXXX, and XXXX 's multiple violations of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Privacy Act of 1974, and related statutes.

The core of my complaint is rooted in the failure of Experian, XXXX, and XXXX to comply with the FCRA 's mandate for accuracy, fairness, and privacy in handling my consumer report and personal information, as outlined below : Violation of FCRA 1681a, 1681b, and 1681c : The agencies included adverse information in my consumer report and has furnished my consumer report without my written consent, contrary to the requirement for explicit consumer permission for such disclosures.

Infringement of Privacy Act of 1974 and FCRA 1681s-2 ( a ) ( 1 ) ( A ) : The agencies reported inaccurate information and failed to maintain reasonable procedures to avoid such inaccuracies, directly violating my rights to accuracy and privacy. 

Non-Compliance with XXXX XXXXt ( 15 U.S.C. 6801-6809 ) : I have not been adequately informed of my right to opt-out of information sharing as required, nor have I given any form of consentwritten, verbal, implied, or otherwisefor my personal information to be shared with nonaffiliated third parties. 

Exercise of Right to Opt-Out : In accordance with 12 CFR 1016.7 and my rights under the aforementioned laws, I hereby opt-out of all future reporting and sharing of my personal information by Experian, XXXX, and XXXX XXXX 

I assert that the actions of Experian, XXXX, and XXXX have not only violated specific statutes of the FCRA but have also breached the broader principles of fairness, impartiality, and respect for consumer privacy as mandated by Congress.

I request a thorough investigation into these matters and appropriate corrective actions to ensure the protection and confidentiality of my personal information. I also seek confirmation of my opt-out from further information sharing and an assurance of compliance with all relevant consumer protection laws. 

Thank you for your attention to this matter.

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 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Glass Mountain Capital, LLC
State: MD

Complaint narrative:
On XX/XX/year>, around XXXX, I received a text from XXXX ( XXXX ) XXXX. Text said This message is from Glass Mountain Capital LLC. Our call back number is XXXX. For more information please click https : //www.glassmountaincapital.com/pay-my-bill.html. They have contacted me multiple times with the same message on XX/XX/XXXX and XX/XX/XXXX, I have no known debts and my credit report reflects the same. As of today, Glass Mountain Capital LLC has not provided a mailed letter providing proof of a debt and may be in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: Transform Credit Inc.
State: GA

Complaint narrative:
I am unaware of opening any credit card with a balance of {$3100.00} from Transform Credit in XX/XX/year>. Transform credit opened this account without my knowledge and closed the account as of XX/XX/year> impacting my credit score by more than XXXX points. This account shouldnt have been added to my credit report and then closed less than XXXX  days of having the account. I need all documents showing my wet ink signature and approval of this account to be opened by me. I have not authorized this account to be opened and closed. Ive tried calling the company is no one is available to speak to you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ProCollect, Inc.
State: CO

Complaint narrative:
Try to apply for housing got denied for an outstanding bill that I owed say stating that I did not clean the apartment that I left holes in the walls and holes in the doors which I did not even had friends come over and help me clean the house. It is not showing up on my credit report even though it is in collections nor have I had any prior notice of owing this amount or have they tried to contact me send me mail after I forwarded my mail many many times to different addresses that I've had

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 2024-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXX XXXX  Account 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
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX  XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one it the company used in this situation. Someone opened an account in my name without my consent and used a credit card I had no idea about until I checked my credit score and it was to late. My credit score is in the XXXX and now I it is effecting my ability to get an apartment. I need help in resolving this issue. Please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Summit A*R, Inc.
State: LA

Complaint narrative:
I paid the amount that they claimed was owed. They reported an amount to the credit bureaus which has damaged my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Credit card provider ( XXXX ) pulled address information from vendor ( XXXX ). They informed invoice was sent to a shipping address instead of mailing address. I never receive the invoices until I called them and the mailing address was updated. When I received the invoice it included interest and penalties which I disputed. After several attempts XXXX accept their mistake and eliminate the extra charges. We agree on a payment amount that I paid immediately and ask for the account to be closed. They included the period under the dispute as delinquency affecting negatively my credit profile. This ended up costing me in decreasing my credit score and missing a loan offer ( low interest ) to finance a new car on XX/XX/XXXX. I disputed the item with each credit report company and each one refer me to the reporting company ( XXXX ). I wrote to XXXX and they asked for additional information giving me the opportunity to provide it by phone. Today ( XX/XX/XXXX ) I called them to provide the information. After explaining the situation, I was notified that they are not going to make changes in the reported information and advise me to file a dispute through XXXX  That action was previously done without success.

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 2024-03-05 00:00:00
Product: Credit card — Store credit 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: TX

Complaint narrative:
On XX/XX/year> I contacted Kohls regarding fraudulent activities on my store charge card. I was told that they would conduct an investigation and to not worry. On XX/XX/year> I made a payment of {$40.00}. On XX/XX/year> Kohls made an unauthorized ACH transaction in the amount of {$890.00}. I immediately contacted on XX/XX/year> them about this and they told me to contact my bank to dispute this transaction. I also told them to close out my account. I notified the credit bureaus to dispute these charges, however Kohls is still stated that I have an outstanding balance of {$410.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 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:
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 these items. Your failure to positively verify these accounts and inquiries has hurt 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 explanation
Consumer complaint received 2024-03-05 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: TN

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: NC

Complaint narrative:
Transunion, XXXX, and XXXX are all reporting my XXXX XXXX on a XXXX XXXX bankruptcy. uscourts.gov states, " Bankruptcy courts do not report or provide information to any consumer credit reporting agencies. '' I have not given any written consent to Transunion, XXXX and/or XXXX to report this information on my reports. Nor do any of the credit reporting agencies have any permissible purposes to do so.

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 2024-03-05 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off, late closed and collections. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Names : XXXX XXXX and XXXX XXXX ; Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX Date Opened :, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NM

Complaint narrative:
I am unable to recover my money from Coinbase. I can not log in due to a change in address and phone number, which should be simple to resolve. The only assistance offered is an automated chat, which can not resolve my issue. Their automated phone service does not work, their support email has been XXXX. There is no way for me to contact support. After reviewing forums online, there are many like me having similar issues, with much more money they can no longer access. Stay away from Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: MO

Complaint narrative:
Finally this fraudulent crooked company did the ultimate mistake and just dropped my credit score XXXX points and get this they say it from not making payments THIS IS EXACTLY THE EVIDENCE THE FTC DOJ WAS WAITING FOR

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 2024-03-05 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA. 

PORTFOLIO RECOVERY XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XX/XX/year> ACCOUNT : XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
You have fraudulently accessed my personal information that I did not give consent for you to have. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete this request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ). 
In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AZ

Complaint narrative:
XX/XX/year> I was called by numbers XXXX, XXXX, XXXX, XXXX, and XXXX and I did not pick up. I then began to receive emails from XXXX XXXX ( my bank ) saying that my number was updated to XXXX which is not my phone number. I called XXXX XXXX to tell them that it was fraud and updated my email address to a new email. I then tried to reach out to XXXX XXXX Customer service in which I told them my account was hacked. They told me I had to send an email to their support and helped me with cancelling my card. Upon ordering a card I received a new debit card, changed my email, changed the pin and hours later over $ XXXX was stolen from my account. These transactions went to numerous cash app accounts that I have never done business with, and XXXX XXXX failed to protect me. The Cash App names are as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and a credit of XXXX from XXXX XXXX, that I did not authorize. Afterwards that same person took XXXX from my account. The money was transferred from my savings to my checking and sent to all of those names on cash app. XXXX XXXX is not helping at all!!! Please help me. CASH APP has also been no help. They have no security with their app and I have requested the Cash Apps involved be investigated, but I havent heard anything from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/24 I discovered that someone had used a debit card in my wifes name to make approximately {$2300.00} in purchases at 2 different XXXX in towns XXXX miles from my home. The card used had been issued to my wife 2 days prior but was never received by us. Chase was immediately notified and our accounts were frozen. {$1300.00} was also withdrawn from our account using a check, which was refunded. A claim was filed with Chase, XXXX. Chase is refusing to refund the purchases at the XXXX because they stated they can not prove the charges fraudulent, despite being notified by me and my wife immediately

Company response to consumer: Closed with explanation