vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 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: CA

Complaint narrative:
Subject : Request to Remove Duplicate and Fraudulent Accounts - Case : [ Police Report Number : XXXX ] Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding a duplicate account that has been opened fraudulently in my name. I kindly request your assistance in resolving this matter promptly. The details of the fraudulent accounts are as follows : XXXX. Account XXXX : XXXX XXXX  Account XXXX : XXXX XXXX. Account Name : XXXX Account Number : XXXX I would like to emphasize that I was not present in the country during the entire period when these accounts were active, specifically from XX/XX/XXXX through XX/XX/XXXX. As evidence supporting my claim, I have attached a copy of the police report filed regarding this fraudulent activity. The police report number is XXXX. 

Additionally, I have also filed a complaint with the Federal Trade Commission ( FTC ), and the corresponding complaint number is XXXX. I kindly request that you coordinate with the FTC to expedite the resolution of this matter. 

These fraudulent accounts have caused significant hardship in my life, both financially and emotionally. I urge you to take immediate action to remove these accounts from my record. I kindly request that you thoroughly investigate this matter, ensuring that my personal and financial information is protected from further misuse. 

I appreciate your attention to this urgent matter and your dedication to consumer protection. Please feel free to contact me via the provided contact information if you require any further clarification or documentation. I look forward to a prompt resolution of this issue. 

Thank you for your assistance.

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 2023-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company sent email on XX/XX/XXXX  which indicated the authority to do business in the state was " pending. '' I submitted a dispute on XX/XX/2023 requesting authorization to collect debt and license information. The company stated that the credit bureau stated they could collect the debt. In retaliation for disputing the information with the credit bureau, the company replaced their name as the original creditor on the debt and charged the debt account in addition to the original creditor. 

The company did not communicate any information in writing regarding the right to collect the debt, the right to dispute the debt. The customer service agent stated that my credit score would go up if I agree to " just pay the debt. '' My credit score did not improve. The company is now reporting as the " original creditor '' on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX and charged off the account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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:
To whom it may concern : I am a victim of identity theft. The information listed 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. 

The fraudulent accounts appearing on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a request to Equifax to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Equifax did not take any action regarding the incorrect and fraudulent information on my credit report. Equifax within minutes sent me an automated email saying your investigation is complete. Equifax did not even take the time to verify these fraudulent accounts .This is completely against the section 605B of the Fair Credit Reporting Act and Equifax should be held accountable.

I tried to verify these accounts by contacting above creditors. All of them had different addresses and phone numbers on their files. They are clearly fraudulent and Equifax is not doing a single thing about it. 

Claims/Disputes confirmation numbers with Equifax are XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 

Late payments ACCOUNTS : Need removed BELOW. 

18 usca I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 XXXX XXXX  with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX  with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX  with account number XXXX Made by your company XXXX on XXXX XXXX 


XXXX XXXX, XXXX XXXX ( bank ) XXXX, XXXX XXXX Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 
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 2023-09-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kinum, Inc., Indianapolis, IN Branch
State: WI

Complaint narrative:
Forbidden third party was contacted regarding a debt and details were disclosed to the party. Phone number is still being reported to various credit bureaus and is not associated. When the company was confronted they refused answering the questions or requests to remove the unassociated number, stop calling/harassing, or sharing private information to a third party. 
When requesting to speak to their lawyer, the number provided was unassociated to the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: MI

Complaint narrative:
Transunion, XXXX, XXXX and XXXX XXXX XXXX XXXX  XXXX refused to remove fraudulent account form my credit report, after I sent them a copy of my Identity Theft Report, Police Report, ID, SSN and utility bill which I will include in this compliant. I am requesting that all companies listed send verified documents and the methods that was used to verify this fraudulent account per the information act and FCRA. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bal : XXXX Date Opened : XX/XX/.

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 2023-09-26 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Barclays credit card on XX/XX/2023 that I opened a XXXX credit card which goes through them. I had purchased two airline tickets. These airlines were XXXX and XXXX. I have never flown with either of theses airlines. And after contacting theses airlines. I was informed by both airlines that several ( More than two ) tickets and or reservations had taken place under my name and also another person, XXXX XXXX. No tickets were used and a few of them had been cancelled. Both these airlines, XXXX and XXXX have credit card that has their airline logo on them but, the card is a Barclays credit card. XXXX was the company that issued the card that was used to pay the XXXX airlines. XXXX has it's own credit card that also has their logo but, the card is actually a Barclays credit card. I had contacted XXXX that redirected me to the airlines which they had redirected me to Barclays. Barclays has sent me a letter on XX/XX/2023 stating that I am responsible for the {$350.00} debt. I contacted them and they said they will investigate for the third time. I faxed over my conversations that the airlines had sent about cancellations. I explained how I never flew with either airlines. I also brought up the other person that the airlines had listed, XXXX XXXX. And since I never made these purchases and don't know a XXXX XXXX also that I never received the credit card that was in questioned. Also never cancelled the card the day that it was opened. The only information I have heard from Barclays over the phone is that they have recordings. So I asked if they could send me a transaction of these recordings. I know I did no such thing but at least I would want to see what I was told I said. Sincerely XXXX XXXX. Thank You. the number for Barclays I have is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: VA

Complaint narrative:
I have information showing on my credit bureaus saying I have delinquent accounts that I included in a bankruptcy. I filed a bankruptcy in XX/XX/XXXX and it was fully satisfied and completed by XX/XX/XXXX. I will list out the mistakes that need to be corrected. 

XXXX ) credit card XXXX XXXX XXXX  claiming I was delinquent XX/XX/XXXX. This account was never delinquent. I am guessing they decided to report me delinquent since I filed bankruptcy. As you can see from Equifax, the account had a XXXX balance, nothing owed. 

XXXX ) XXXX XXXX XXXX claiming I was delinquent XX/XX/XXXX. This account was never delinquent. It was paid fully as agreed and had a XXXX balance at the time of my bankruptcy filing. 

XXXX ) XXXX XXXX claiming i was delinquent XXXX and XX/XX/XXXX. This was a home equity loan that I paid in full and never had a single late payment. 

XXXX ) XXXX XXXX claiming I was delinquent on my auto loan XX/XX/XXXX. This account was all ready paid in full with XXXX balance. ( XXXX XXXX and XXXX XXXX are related ) I flied bankruptcy because I had no choice. I had a business partner who cleaned out our business account and ran off with {$400000.00} and left me on the hook to pay bills with no funds or income. I used what remaining savings I had left to make sure my creditors were paid on time, so I take it very personally that these creditors are reporting wrong information about me. I did have a few accounts that became delinquent that I did include in the bankruptcy, but NONE of those accounts are the XXXX listed above. Those XXXX above were paid PERFECTLY. I have not received any PROOF from the creditors documenting my late payments/delinquencies. I was under the impression from Equifax that if the creditors could not provide solid proof of the delinquency, that they were required to correct my report. Equifax did not get this proof from the creditors and simply sent we a response saying that the creditors say the info is correct. Filing bankruptcy was a low point in my life and I fought very hard to not have to go that path. At the very least, I expect the creditors that I paid perfectly to honor their obligation and report my payment history correctly. I feel they are taking advantage of my bankruptcy and " piling on '' to cause damage to me. I request that the CFPB hold them accountable for the damages they have caused me and force them to correct the credit reports at all 3 major bureaus. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Blake Enterprises, LLC
State: TN

Complaint narrative:
The debt collector called my job and couldnt get in contact with me. So she called other store locations asking to speak to me. She also told my coworkers where she was calling from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: Source Receivables Management LLC
State: TX

Complaint narrative:
Please be aware this is my second complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested. This company is attempting to do business with them.

Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this debt on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this trade-line then i will drop my claim.

You have 3 days to delete this frivolous account if you fail I will file a claim against your unlawful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I went on Experian for my credit score. Without my knowledge or consent they charged me for Experian CreditWorks Premium. I never even got an email confirming this. 
The only way I knew about it was from a charge to my bank, through XXXX. I have contacted both XXXX and Experian, was told I would be getting a refund. I have not received a refund from Experian, and the refund that XXXX gave me they took back, saying Experian has already refunded through my Credit Card on file, they did not have a CC on file. I can not reach anyone by phone at Experian, yet the email requests I have sent are returned with " We already refunded it ''. Which they have not, I have checked my bank account several times, running a search. I would love if you could help me with this dilemma. 
Thank you, 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 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
XX/XX/XXXX  I tried to add {$200.00} to Chime from my XXXX debit card because I couldn't find my wallet and the only card I had with me was chime. It just said an error message when I attempted to add funds. XXXX ( my other bank ) froze my account because of attempting to add funds with chime because they " are problematic ". {$250.00} was taken from my bank account. Then chime froze the account only stating unusual activity. They requested me to verify my identity by sending the front and back of my driver 's license, a utility bill, and an explanation. I sent both sides of my license, the recent bill, and an explanation stating it was me that attempted to load my account with XXXX account so I could use their card. They never responded to my email even though it says 1 to 2 business days. I then called support. They then verified my identity and said I would get a response within 1 to 2 days which was a lie. I called again and they sent an email demanding social security cards, several bank statements, and more. They refuse to return the funds. I don't care if they close the account because I don't want an account that has no problem resolution and was useless in a time when I needed it. I want the {$250.00} they won't return returned to the bank account they took it from. It was more than I authorized to begin with. Nobody that answers phones will give information or a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Fraud was not aware of this account

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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I made CFPB complaint against Ally bank that they cant ' do a stop check payment even after collecting {$15.00} fees from me. It was done few weeks back. 
as part of retaliation, Ally bank sent me a letter that they are going to close my bank account. 

Please investigate this and take strict action against Ally bank who's actions are nothing but retaliation. 

When asked Ally bank - what is the specific reason for this letter and intention to close my account- they are not providing it.

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 2023-09-26 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: GA

Complaint narrative:
Please delete these accounts from my credit report as they are fraud. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27 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: CA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX I do not have a written contract with the collection agency.

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 2023-09-26 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: MI

Complaint narrative:
XXXX, XXXX, Equifax and XXXX XXXX XXXX XXXX XXXX refused to remove fraudulent account form my credit report, after I sent them a copy of my Identity Theft Report, Police Report, ID, SSN and utility bill which I will include in this compliant. I am requesting that all companies listed send verified documents and the methods that was used to verify this fraudulent account per the information act and FCRA. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bal : XXXX Date Opened : XX/XX/.

Company response to consumer: Closed with explanation