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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA XXXX XXXX ( XXXX XXXX XXXX ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information 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  These credit accounts are the results of identity theft and fraud.

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: Experian Information Solutions Inc.
State: TX

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Subject : Dispute of Charge-Off Reporting for Debt # XXXX Dear Synchrony Bank, I am writing to formally dispute the reporting of a charge-off associated with the above-referenced debt on my credit report. Upon reviewing the debt history and publicly available records, it appears that Synchrony Bank securitized this debt under the Synchrony Credit Card Master Note Trust ( XXXX : XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CT XXXX ). This transfer of ownership to the trust raises several concerns regarding the accuracy and legitimacy of the reported charge-off. 

Additionally, I have identified multiple data points associated with this debt that are being reported inaccurately across various credit bureaus. These inaccuracies further undermine the legitimacy of the charge-off and contribute to harm against me as a consumer.

Specifically, I am disputing the following : Accuracy of Charge-Off Reporting : If the debt was securitized and the receivables were transferred to the trust, Synchrony Bank may no longer hold the debt in its portfolio. Therefore, reporting a charge-off may not be accurate or compliant with the Fair Credit Reporting Act ( FCRA ). 
Validation of Debt : I request detailed, debt-level documentation proving that Synchrony Bank retained the authority to report the charge-off after securitization. This should include a solid chain of authority demonstrating the assignment or reassignment of the debt back to Synchrony Bank, evidence of the debts transfer, the balance at the time of transfer, and any agreements validating Synchrony Bank 's continued reporting authority for this debt.

Potential Double Recovery : If the debt was sold or securitized, Synchrony Bank may have already been compensated for this debt through the securitization process. In such a case, reporting the debt as a charge-off could mislead credit reporting agencies and harm me as a consumer.

I request that you investigate this matter thoroughly and provide a written response within 30 days, as required under the FCRA. If you can not validate the legitimacy of this charge-off reporting, I demand that you remove this entry from my credit reports with all major credit reporting agencies ( XXXX, XXXX, and XXXX ) XXXX 

Failure to address this dispute accurately and promptly may result in additional action on my part, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursuing legal remedies.

Thank you for your immediate attention to this matter. I look forward to your prompt response. 


Sincerely, 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 2024-12-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I was told to fax personal information such as a copy of my driver 's license.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These hard inquiries are fraudulent and doesnt belong to me and need to be removed. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: 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: SC

Complaint narrative:
15 U.S. Code 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
PLEASE BE ADVISED YOU EQUIFAX IS IN DIRECT VIOLATION OF FEDERAL LAW BY VIOLATING PRIVACY ACT OF 1974. 
Charge of accounts are considered, certificates of indebtedness, pursuant to I.R.S publication 4681 and it is now considered income and income can not be reporting on my consumer credit report, pursuant to Privacy act of 1974. 
The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records. 

IRS Publication 4681 Canceled debt : If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless XXXX of the exceptions or exclusions described in chapter XXXX applies. 

ACCOUNT XXXX XXXX XXXX  ALSO ANOTHER VIOLATION IS ILLEGAL INQUIRIES ON MY REPORT THAT ARENT ATTACHED TO ANY ACCOUNT MUST BE REMOVED. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this FTC Identity Theft affidavit to report multiple separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card Bank of the west ( BMO Harris Bank ) credit card opened on XX/XX/year> have resulted in fraudulent hard inquiry and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws it deleted and then reappeared on my credit report.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from XXXX and XXXX XXXX therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or opened due to this to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days

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: 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: NY

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 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: EQUIFAX, INC.
State: KS

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. XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In generally, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USU 1681s-2 they are suppose to 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: 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: OH

Complaint narrative:
I checked my credit report, and I saw some inquiries that I did not authorize. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEED THESE INQUIRIES REMOVED AS SOON AS POSSIBLE.

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 or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc
State: PA

Complaint narrative:
Years ago, in XXXX  I tried to use the Bright Money app to report my rent payments to the credit bureaus in order to increase my credit score. Bright money had me upload my checking account information and then I found out I would not be eligible for rent reporting, so I never purchased a membership and stopped using the app. 3 years later just this week I have a {$50.00} charge coming out of my bank account from bright money for their builder program. I did not authorize this charge. I have not opened the bright money app since XXXX and even the address that the bright money app has for me is XXXX XXXX XXXX now a bright support representative said I could withdraw my own money in 3-4 business days, but it has been over 4 business days and I still can not withdraw my money. I never signed up for this, and it is very scary that 3 years later they are taking money out of my bank account. I needed that {$50.00} to pay my mortgage this month, so now my mortgage will be late and I will be reported to the credit bureaus

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 — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was reviewing my credit report with Equifax as of XX/XX/year> and noticed that the account does not report my name, or a account number, nor does it report a open date from the lender or collector. it lists no info for last payment or close date. this report in this account list the creditor contact information and address even though its a collection account. as a result of these findings, this account is illegal and serves no purpose but to do harm to my credit profile and my financial potential. and in violation of my rights under the FCRA 15 USC 1681, the FDCPA. as a result my credit score is improperly represented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
During one of the many unsolicited phone calls, I asked for proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing This CFPB complaint to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which is the result of identity theft, and fraud. The collections account is by XXXX XXXX opened on XX/XX/year>, account number XXXX, in the amount of {$1600.00}. The other account is by a company called XXXX XXXX XXXX in the amount of {$650.00} account number XXXX. I demand that these fraudulent accounts be removed from under my credit Profile reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The XXXX Credit bureaus that are reporting these fraudulent and inaccurate collection accounts are Trans Union XXXX and 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 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: One Source Technology
State: TX

Complaint narrative:
Asurint XXXX XXXX XXXX XXXX, OH XXXX Attention : Compliance Dept My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile.

I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I disputed some charges on a previous bill and added some I did not make. XXXX of them was XXXX XXXX decorating for {$580.00} ; a second one was XXXX XXXX for {$79.00} ; a third one was XXXX for {$130.00}. These charges were again added to the subsequent bill dated XXXX XXXX XXXX and new credit card. All the charges at issue occurred on the same day -- XXXXXXXX XXXX XXXX 

I had already disputed these charges in a phone call I made to Capital One, and they reappeared on the current bill. When I received the current bill for charges XXXX XXXX, XXXX XXXXXXXX XXXX, I had already called Capital One and disputed these charges, and was issued a new card to which these charges were transferred over. 

I feel helpless to get our from under weird, fraudulent charges that Capital One keeps charging me for. Every time I call them and dispute a charge, they cancel my credit card. 

They never re-issued one of the credit cards -- an XXXX Capital One card for which a previous statement contained fraudulent charges as well.

Company response to consumer: Closed with explanation