vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: FL

Complaint narrative:
i am a victim of identity theft and filed a complaint with the XXXX on XXXX, my ftc number is XXXX, and requested lj ross & associates XXXXhat the alleged debt of XXXXwas not mine and for them to delete the inaccurate information from my credit report because of this reason. I have attached a copy of my report below for your reference.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
I'm unable to withdraw or transfer my funds from First National Bank. After connecting my external account, my FNB account was suspended in XXXX. I've tried calling numerous times and the customer rep either has no idea what I'm talking about or will say that the IT department will contact me, and they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My checking account has being suspended on XXXX, when it was closed it had around {$40000.00} in it when is was suspended. I tried contacting capital one and the agent said that my account is currently restricted and going to get closed since capital one has ended relationship but is still under investigation and after investigation any remaining funds will be sent to me using a check. I waited two weeks now and nothing from the bank side and i called again and still no updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I received a written dun for {$2300.00} ; although this was the first time I heard from them they offered a settlement amount of {$1600.00}. The vendor supposedly placed the debt for collection was XXXX. The immediate offer to settle was suspicious but also the vendor. All business I do with XXXX I allow them to ach my credit card and debit card. 
I called XXXX and the customer rep combed through my records looking for anything that this might relate to and finally said I was up to date with every and I was in good standing. 
I called the agency Transworld Systems Inc and the person I spoke with was totally unhelpful and unwilling to do any research or follow up with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these unauthorized and fraudulent inquiries are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding these unauthorized and fraudulent inquiries that are reported on my credit report. They are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I believe the account is invalid. WESTLAKE PM needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. WESTLAKE PM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: PA

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, Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name 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 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 2024-05-29 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I pulled up my credit report the week of XX/XX/XXXX, and noticed that Comenity Capital/SEPH ( Sephora ) is showing up as 4 Hard Inquiry 's from XXXX and are doubled which NONE of these should be on my report let alone DOUBLED! 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Due to this incorrect reporting i now have showing 4 Hard Inquiry 's that should not be on my report. 
I want all 4 of these removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
There are two accounts on my credit from Resurgent/LVNV funding. These accounts are fraudulent and do not belong to me. I have reported this to the police and have attached the report for you to keep for your records as well as a copy of my driver 's license. The account details are listed below. 
XXXX. RESURGENT/LVNV Funding : Acct No. XXXX - Balance : {$310.00} - Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Reported On : XX/XX/year> XXXX. RESURGENT/LVNV Funding : Acct XXXX. XXXX - Balance : {$1600.00} Original Creditor : XXXX XXXX  XXXX XXXX - Reported On : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/year> Per the ( FCRA ) as a federally protected consumer im am now opting out of any and all authrization I the consumer may have given you. Written, unwritten, verbale, and noverbal Per 15 U.S.C 6802.

( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
XX/XX/2024 Per the ( FCRA ) as a federally protected consumer im am now opting out of any and all authrization I the consumer may have given you. Written, unwritten, verbale, and noverbal Per 15 U.S.C 6802.

( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2024-05-29 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: LEXISNEXIS
State: NC

Complaint narrative:
In willful violation of federal law and in non compliance of FCRA 605B LexisNexis is refusing to remove an account ( XXXX XXXX XXXX XXXX ) that is the result of Identity theft. I have provided all identifying documentation, reported the theft to the FTC and provided LexisNexis with an affidavit of fraud from the police department. I am seeking the immediate removal and blocking of this account from my credit profile. LexisNexis has shown no evidence that any of the following are true that I XXXX. The request to block information was based on a material misrepresentation XXXX knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. nor have I XXXX agreed in writing that a block was made in error. A key provision in FCRA 605B is that a Credit Reporting Agency such as LexisNexis SHOULD NOT be investigating consumer cases of identity theft. Also conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B. If this derogatory information is not removed immediately I have no other option other than to will seek punitive damages per FCRA 616.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
Please assist in deleting these items from my credit report within XXXX days after you receive this notice. I am willing to accept the deletion of these unauthorized and erroneous items instead of pursuing legal action for the violations committed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
I have an account with Juno ( XXXX XXXX ), which is partnered with Synapse, XXXX XXXX # XXXX. I am currently unable to access my funds either through cards ( credit/debit ) or through ACH transfers. This has completely disrupted my ability to pay for my day-to-day bills and expenses. 

As stated in your brokerage account customer agreement, customer funds in the XXXX XXXX XXXX are deposited in a network of member FDIC banks. Funds held in these banks are eligible for FDIC insurance up to {$250000.00} for each individual account. Funds held with XXXX XXXX XXXX also have XXXX XXXX  up to {$500000.00}, including {$250000.00} for cash, for each individual account. 

But XXXX says my money held with XXXX XXXX XXXX is not safe and insured : XXXX only protects securities and cash on deposit for the purpose of purchasing securities in securities accounts at XXXX broker-dealers that have failed and become subject of a SIPC-initiated liquidation. XXXX does not protect deposits at banks, including those from bank sweeps programs at member firms. 

When I opened the account, I signed up for a Juno checking account with XXXXXXXX XXXX XXXX XXXXXXXX as the bank. I never consented, agreed to or signed on to have my money moved to a new account at XXXX XXXX XXXX. Synapse filed for bankruptcy in XX/XX/year>, but I was never informed or notified of this to be able to withdrawal my money out safely before the account shut down in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Ally bank froze our account. This is our only account. After 2 weeks of calling and talking and waiting they still don't answer questions. I want my money back. 

We gave them all the necessary documents. They simply don't answer questions. My health has deteriorated because of all this and my psyche is weakening. 

I just want my money back. They don't give them back and don't answer questions.

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 2024-05-29 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: MA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-05-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the erroneous information currently reflected in my credit report. This account has been consistently reporting inaccurate information which is adversely affecting my creditworthiness. 

These discrepancies are not only incorrect but are causing significant damage to my credit profile, leading to unfavorable financial consequences. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies in my credit report and expect a comprehensive and timely investigation into 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 explanation
Consumer complaint received 2024-05-29 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:
After sending a lot of Dispute Letters and FTC reports, these unauthorized and fraudulent inquiries are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding these unauthorized and fraudulent inquiries that are reported on my credit report. They are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-05-29 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: OH

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiry Information : Inquiring Company : XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX Date of Inquiry : XX/XX/XXXX These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: LA

Complaint narrative:
In an attempt to fix an issue with inaccurate and incomplete information on my report. This is affecting my credit score greatly. This credit reporting agency has my score at XXXXXXXX and the other two reporting agencies have credit score at XXXX & XXXX. This is significant. I have been disputing inaccurate information and Experian reports they have completed their investigation but, it is not correct.

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 2024-05-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please assist in deleting these items from my credit report within 4 days after you receive this notice. I am willing to accept the deletion of these unauthorized and erroneous items instead of pursuing legal action for the violations committed.

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 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

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