vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank {$1800.00} # XXXX I trust this message finds you well. My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance regarding my credit profile. I recently discovered unauthorized credit card accounts opened in my name, and it has come to my attention that these incidents are a direct result of the XXXX XXXX XXXX. 

Given the nature of the situation, I am seeking your assistance in initiating a credit break to rectify the unauthorized accounts associated with my name. The affected accounts, to the best of my knowledge, were opened without my consent or knowledge, and I have taken immediate steps to report these incidents to the relevant authorities. 

I understand the severity of data breaches and their impact on individuals, and I believe that your prompt and effective intervention will be crucial in resolving this matter. I kindly request the following actions : 1. Investigation and Verification : Please conduct a thorough investigation to verify the unauthorized credit card accounts linked to my profile. Any additional information you may require from my end will be promptly provided.

2. Removal of Unauthorized Accounts : Given the circumstances surrounding these accounts, I request the removal of the unauthorized credit cards from my credit report at the earliest convenience. 
3. Communication and Documentation : Keep me informed throughout the process and provide documentation outlining the steps taken to address this issue. Transparency in this matter is crucial for my peace of mind and the restoration of my credit integrity. 
4. Police Report : I have filed and provided a Police report from XXXX. 
5. XXXX Claim : I have a filed and attached a claim with XXXX. 
6. XXXX XXXX XXXX information Impact have provided conformation my information was exposed as a direct result of the XXXX XXXX XXXX. 
7. XXXX # XXXX I understand the challenges associated with data breaches and trust that XXXX, as a reputable credit reporting agency, will handle this matter with the urgency and professionalism it demands. 

Your cooperation and assistance in resolving this issue are highly appreciated. I look forward to your prompt response and the successful resolution of this matter. 

Thank you for your attention to this serious concern. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
COMENITYCB/OVERSTOCK # XXXX : {$130.00} I trust this message finds you well. My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance regarding my credit profile. I recently discovered unauthorized credit card accounts opened in my name, and it has come to my attention that these incidents are a direct result of the XXXX data breach. 

Given the nature of the situation, I am seeking your assistance in initiating a credit break to rectify the unauthorized accounts associated with my name. The affected accounts, to the best of my knowledge, were opened without my consent or knowledge, and I have taken immediate steps to report these incidents to the relevant authorities. 

I understand the severity of data breaches and their impact on individuals, and I believe that your prompt and effective intervention will be crucial in resolving this matter. I kindly request the following actions : 1. Investigation and Verification : Please conduct a thorough investigation to verify the unauthorized credit card accounts linked to my profile. Any additional information you may require from my end will be promptly provided. 
2. Removal of Unauthorized Accounts : Given the circumstances surrounding these accounts, I request the removal of the unauthorized credit cards from my credit report at the earliest convenience. 
3. Communication and Documentation : Keep me informed throughout the process and provide documentation outlining the steps taken to address this issue. Transparency in this matter is crucial for my peace of mind and the restoration of my credit integrity. 
4. Police Report : I have filed and provided a Police report from XXXX. 
5. XXXX Claim : I have a filed and attached a claim with XXXX. 
6. XXXX XXXX XXXX information Impact have provided conformation my information was exposed as a direct result of the XXXX data breach. 
7. XXXX # XXXX I understand the challenges associated with data breaches and trust that XXXX, as a reputable credit reporting agency, will handle this matter with the urgency and professionalism it demands. 

Your cooperation and assistance in resolving this issue are highly appreciated. I look forward to your prompt response and the successful resolution of this matter. 

Thank you for your attention to this serious concern. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: FL

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. 

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information.

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. 

XXXX, TransUnion, and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquiries/accounts below be removed immediately per my instructions enclosed :

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 2024-01-07 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: NY

Complaint narrative:
I sent several letters to 15 U.S. CODE 1681 @ 2 ( a ) ( 1 ) I am writing to dispute an unauthorized inquiry/late payment on my credit report dated [ date of inquiry/payment ]. I did not authorize this and request it be removed in accordance with 15 US Code 1681g ( a ) ( 1 ). Please investigate and correct this error promptly. 

I am writing to dispute an unauthorized inquiry/late payment on my credit report dated XXXX. I request it be removed in accordance with 15 US Code 1681g ( a ) ( 1 ). Please investigate and correct this error promptly. 

I submitted a complaint ONLINE, XXXX, with CFPB, on the same day ( screenshot attached ). It shows " view Results '' showing MY STATEMENT showing the negligent antics regarding the LATE PAYMENT that was to be removed a YEAR AGO after the XXXX  - XXXX President wrote them TWO letters and attached the AUD that states NO LATE STATUS on what these credit bureaus refuse to remove. I've attached all the letters and screenshots as PROOF of their negligent behavior regarding my account. I went onto each credit bureau account today to DISPUTE this LATE PAYMENT, and it showed I CAN NOT DISPUTE ONLINE. I sent several letters- but they have yet to respond. They are USING STALL TACTICS. 15 U.S. Code 1681g ( a ) ( 1 )

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 2024-01-07 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: NY

Complaint narrative:
I sent several letters to 15 U.S. CODE 1681 @ 2 ( a ) ( 1 ) I am writing to dispute an unauthorized inquiry/late payment on my credit report dated [ date of inquiry/payment ]. I did not authorize this and request it be removed in accordance with 15 US Code 1681g ( a ) ( 1 ). Please investigate and correct this error promptly. 

I am writing to dispute an unauthorized inquiry/late payment on my credit report dated XXXX. I request it be removed in accordance with 15 US Code 1681g ( a ) ( 1 ). Please investigate and correct this error promptly. 

I submitted a complaint ONLINE, XXXX, with CFPB, on the same day ( screenshot attached ). It shows " view Results '' showing MY STATEMENT showing the negligent antics regarding the LATE PAYMENT that was to be removed a YEAR AGO after the XXXX  - XXXX President wrote them TWO letters and attached the AUD that states NO LATE STATUS on what these credit bureaus refuse to remove. I've attached all the letters and screenshots as PROOF of their negligent behavior regarding my account. I went onto each credit bureau account today to DISPUTE this LATE PAYMENT, and it showed I CAN NOT DISPUTE ONLINE. I sent several letters- but they have yet to respond. They are USING STALL TACTICS. 15 U.S. Code 1681g ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear sir, I would like to inform a letter sent from your company, Bank of America, addressed XXXX XXXX XXXX XXXX XXXX XXXX I have contacted with the customer service ( XXXX ), which was indicated in the letter, and found out unable to gain the necessary information to understand the case number XXXX regarding an account ending in XXXX. Upon checking my account of your company, Bank of America, I could not find out the case number itself ; therefore, I have decided to contact with you. Since this card is not credit card of your company, I would like you to make clear the reason why this letter mentions about the dispute of this case number. 

Sincerely,

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 monetary relief
Consumer complaint received 2024-01-07 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: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I am requesting this account to be removed or updated on my consumer report paid and Full I consumer, and natural person, i am award of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) * 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 permission from my understanding charge off is considered income by the irs and income can not be reported.And That is considered tex fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never later with my payment Capital one this is not my account XXXX XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have pulled a comparison report and they have reported three different things on all reports and I have filed a complaint because I sent a negotiable instrument to pay off the card and they said that I couldnt do that but the item followed the USC as a negotiable instrumment they have also reported three different things on the comparison report. I asked to opt out and I called the number that is listed on their website privacy policy they said that i couldnt do it and finally I was told after being passed around that I didnt do it in 30 days then I couldnt.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have pulled a comparison report and they have reported three different things on all reports and I have filed a complaint because I sent a negotiable instrument to pay off the card and they said that I couldnt do that but the item followed the USC as a negotiable instrumment they have also reported three different things on the comparison report. I asked to opt out and I called the number that is listed on their website privacy policy they said that i couldnt do it and finally I was told after being passed around that I didnt do it in 30 days then I couldnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have pulled a comparison report and they have reported three different things on all reports and I have filed a complaint because I sent a negotiable instrument to pay off the card and they said that I couldnt do that but the item followed the USC as a negotiable instrumment they have also reported three different things on the comparison report. I asked to opt out and I called the number that is listed on their website privacy policy they said that i couldnt do it and finally I was told after being passed around that I didnt do it in 30 days then I couldnt.

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 2024-01-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to urgently report continued inaccuracies on my credit reports despite multiple dispute submissions. The credit reporting agencies have failed to conduct a genuine investigation, resulting in defamation of my character. 

Key concerns : Verification Process : Requesting a breakdown of how the agencies verified alleged accounts, as the information remains inaccurate.

Defamation of Character : The persistence of false information constitutes defamation, demanding a prompt resolution.

Failure to Provide Results : Agencies have not provided investigation results, violating FCRA rights.

Failure to Notate Disputed Accounts : Neglecting to notate disputed accounts, as required by law, adds to the inaccurate representation. 
FCRA Violations : Multiple violations of FCRA, specifically FCRA 15 U.S.C. 1681i ( 6 ), warranting monetary compensation. 
I kindly request your intervention for a thorough investigation, ensuring agencies adhere to FCRA regulations. 

Thank you for your prompt 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 explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA

Complaint narrative:
XXXX XXXX book states that my car was only worth it like XXXX after a repossession from the vehicle and it was sold at auction I still have an {$8000.00} bill on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
At the end of XXXX, I received an alert from XXXX XXXX XXXX XXXX a service I pay through my employment that a new account with Goldman Sachs was opened linked to my name and social security number. 
The representative assigned to my case from XXXX has assisted me in the proper steps to take. We called Goldman Sachs together on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX we spoke to XXXX who said someone would call me back, that did not happen. On XX/XX/XXXX we talked to XXXX who said it would be investigated and account would be closed, and I would receive confirmation in the mail. This was not done, on XX/XX/XXXX I received a welcome letter dated XX/XX/XXXX in the mail congratulating me on opening a Marcus account with Goldman Sachs, I called them back on XX/XX/XXXX and spoke to XXXX and explained the situation again, she apologized and ensured this time it would be investigated and closed. Now I am limbo to see if this really happens. I have frozen my credit reports and filed a complaint with the FTC so far. I just think this company 's cyber security is really lacking that someone can just logon sign up for an account without submitting any documentation besides just a name and a social security number to open an account, it's poor information security controls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
XXXX XXXX XXXX Golden 1 credit union  I was never later with my payment XXXX XXXX this is not my account XXXXXXXX XXXX  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 explanation
Consumer complaint received 2024-01-07 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: UT

Complaint narrative:
I login my Capital One account and earlier like XXXX XXXX my Platinum balance was XXXX.But i login yesterday XXXX XXXX it showed Unauthorized Changes of {$69.00} from XXXX XXXX XXXXBut this was Not Authorized by me.CFPB issue me complaint # XXXX on XXXX it was resolved i thought, say i owed when i didn't.XXXX XXXX XXXX i paid them $ XXXX XXXX XXXX it came out of my check account, for different New policy # .I tried getting hold od capital one but they kept saying internet service not working??? I want my full refunded back to my account, it took my XXXX limit over to XXXX, now may get overdraft fees too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: GA

Complaint narrative:
Called again on XXXX XXXX, Did not give the XXXX XXXX during the call. This is the second violation pertaining to not giving the XXXX XXXX, this is a violation of the FDCPA. Also when call disconnected called my significant other without my permission attempted to collect the debt from her. This is also a violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: MS

Complaint narrative:
There is a fraudulent account on my credit report, titled XXXX XXXX XXXX. It is not my account, I have no knowledge of this account. Some one has stolen my information and has opened up and has opened up a fraudulent account without my permission.

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 2024-01-07 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: NJ

Complaint narrative:
XX/XX/ I had spoke to some in the department of Transunion about a hard inquiry with XXXX XXXX. I sent them documents from FTC stated someone use my info to apply for a house. I see that Transunion has it down twice on my report. Which I had the report from the FTC I sent my documents on XXXX and I havent yet to see the hard inquiry remove from my Transunion which they have it down again twice. I explain to them it wasnt mines, if they fail to remove theses hard inquiry I will get in contact with you guys.

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 2024-01-07 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: NJ

Complaint narrative:
XX/XX/ I had spoke to some in the department of XXXX about a hard inquiry with XXXX XXXX. I sent them documents from FTC stated someone use my info to apply for a house. I see that XXXX has it down twice on my report. Which I had the report from the FTC I sent my documents on XX/XX/ and I havent yet to see the hard inquiry remove from my XXXX which they have it down again twice. I explain to them it wasnt mines, if they fail to remove theses hard inquiry I will get in contact with you guys.

Company response to consumer: Closed with explanation