vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
After going through my most recent credit report, I found multiple accounts that seem to have been added without my authorization and are wrong. I am requesting that these fraudulent accounts be immediately blocked and deleted.

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 2024-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sulphur Bank Rancheria Enterprises
State: LA

Complaint narrative:
My original loan was for {$500.00}. I had to pay {$50.00} for two someone to speak to me to set up a payment arrangement now theyre telling me I own XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I contacted comenity bank as result of a fraudulent account opened in my name. I request a fraud case be opened. They had already flagged as fraud but I never heard anything. In contacting I asked them to send me confirmation that case was open and they refused. More specially I also communicated that my credit reports had been frozen so Im not sure how these were opened and I was told that there were two credit bureaus being used that are unknown innovus and sagestream. This is unethical that they would request credit checks from unknown credit bureaus. And give instant credit to individuals in the store without any validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: MO

Complaint narrative:
On XX/XX/year>, I received a statement in the mail for two savings accounts that had been fraudulently opened in my name through Marcus by Goldman Sachs. I immediately called Marcus on XX/XX/year>, to request the closure of those two accounts, and they were successfully closed without issue. 

However, on XX/XX/year>, I received seven additional letters from Marcus, reminding me to fund newly opened accounts, which I had never authorized. I called Marcus again on the same day to request the closure of these accounts, but this time, they refused to close them. Additionally, they declined to provide any information about how many total accounts had been opened in my name. 

Marcus representatives informed me that I would need to mail a letter requesting the account closures. In 2024, it is unreasonable to require a physical letter for such a critical matter, especially given the urgency of fraud. I believe these accounts should be closed immediately, and I should be provided full transparency regarding how many accounts were opened under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
This is really concerning, the security of my personal information seems to have been compromised as there are items on my report that do not appear to be associated with me. My personal information have been accessed by unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: CHERRY TECHNOLOGIES INC.
State: GA

Complaint narrative:
On XX/XX/year> we submitted a identity theft report to the company. The company has since responded by denying to block the reporting of the information that is appearing on our credit report due to identity theft. The company claims to have investigated this claim but has failed to provide substantial proof as to why they have denied our request to close the account and delete it from our credit report. The company states, " After a thorough review, it has been determined that the application is valid due to the personal identifiable information listed on the application, which may include but is not limited to a phone number, email, and connected bank account used during underwriting. Based on the information provided on the application and the police report submitted, Cherry is unable to approve your fraud claim. '' This statement was not accompanied but any evidence to show that the information they have identified was not the result of identity theft. This company has failed to properly investigate our claim and it is causing us a substantial amount of stress and hardship on our well beings. We are a victim of identity theft and our information has been falsey used to open an account appearing on our credit report. This claim is pursuant to 15 USC 1681c-2 a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: MO

Complaint narrative:
Errors related to 15 USC 1681c-2 appear on my credit report, showing inquiries that I did not authorize. These mistakes are hurting my credit, and I kindly ask for all unauthorized hard inquiries to be removed. Thank 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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of identity theft and my personal information was compromised in the Equifax data breach. As a result, the following fraudulent accounts and public records have been erroneously reported on my credit profile. The continued reporting of false and unverifiable information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

These unauthorized names and addresses must be removed from my credit report immediately. Failure to do so violates FCRA 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain accurate and fair reporting.

In accordance with FCRA Section 611 and FDCPA Section 809, I demand the following : Debt Validation : Provide original signed agreements and complete account statements proving your right to collect these debts.

Verification of Reporting Accuracy : Provide records confirming the accuracy and authorization of these debts and public records.

Immediate Removal of Inaccurate Information : If you can not validate these accounts and the bankruptcy, they must be removed from my report immediately.

Cease Reporting and Collection Activities : Further collection or reporting on unvalidated accounts will be treated as willful violations of the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian As a Federally protected consumer, Ive noticed several violations to my rights. Several of my nonpublic information has been exposed, I have been a victim of identity theft before and information being broadcasted in the manner you have I am now susceptible to being a victim once again.My XXXX account & my XXXX XXXX  accounts gives an great amount of in depth information, such as the amount I paid and the exact date etc. that information violations 16 CFR 313.3 Definitions ( n ) ( 1 ) Nonpublic personal informationmeans : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. 
( 2 ) Nonpublic personal informationdoes not include : ( i ) Publicly available information, except as included on a list described in paragraph ( n ) ( 1 ) ( ii ) of this section; or ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any personally identifiable financial information that is not publicly available. 
The exact amount, dates & current status of the account is only information that can be obtained by using my non public information .Also that particular information isnt public hence to why you have to call and give certain information to access those details.

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 2024-10-22 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: PA

Complaint narrative:
I submitted a dispute with this company and this complaint is to serve as proof that they have received this dispute and not claim ignorance of it in the near future.

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 2024-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a follow up in regards to my prior claim, which still shows open. It is claim number XXXX : please take note of the documents sent under claim # 1 previously provided. The information they are providing is conflicting and Im really hoping that you will see that they are not being honest and upfront about the transaction. The initial claim showed a copy of the check that they say was presented twice. The attempt to deposit the item online did not go through, so I waited several days and then went into the bank personally and cash the check. A week later, I had a debit to my account. This debit should never have been on the account because I only cashed the check. I did no other transaction successfully with the {$39.00} check because the online attempt to deposit it was rejected. You can clearly see by looking at the statement that there is no {$39.00} deposit in the month of XXXX. The check was written on XX/XX/XXXX and cashed on XX/XX/XXXX. The most recent recent responses from Bank of America are conflicting one another and I am relying on you to resolve this issue. I have been with this bank for approximately 18 years and would not be trying to manipulate {$39.00} from Bank of America. They claim they are unable to provide a copy because the transaction was electronic. If that is the case, would they not have been a deposit showing on that Sunday XX/XX/XXXX, which is the day I actually attempted to deposit it online? I have include a copy of the most recent correspondence from the bank. Your assistance is greatly appreciated.

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 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Over 10 years ago XXXX XXXX was a Victim of Predatory Lending by Bank of America. In XXXX I opened a Secured Credit Card through Bank of America and after the XXXX year of successfully paying off what I spent, Bank of America Automatically turned my Secured Card into a Regular Credit Card and Raised the Credit Limit Excessively, based on my Income. I Never received a notice asking me if I wanted to raise the credit limit as I was Only Working Part-Time at XXXX in XXXX, Oklahoma. 

I went from a {$400.00} Secured Card to BOA Automatically Changing it to a regular credit card and exceeded the credit card limit to {$2000.00}. This was Predatory because I was XXXX years young and had a Part-Time Job at XXXX not working XXXX XXXX a week and they automatically increased my spending limit without the Income to Cover It. 

It is Now XXXX and this is Still on my credit, and we sent Bank of America a letter back in XXXX to Dispute this on this credit score system. I had No Income that warranted the Excessive Increase in the Amount from {$400.00} Secured to {$2000.00} Unsecured. We Demand for this to be removed from the Credit History of XXXX XXXX due to this being predatory and given without the proper Income that this system makes sure it does Not do to turn us down, but they did it to ruin his credit by dangling {$2000.00} over the head of a kid with Absolutely No Financial Education. He did Not give consent and was Never informed, asked if that was okay or doable for him to pay, they just gave it to him, and it has been following him this entire time to have him denied on Everything. This have to be no more!!!

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 2024-10-21 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: GA

Complaint narrative:
This text discusses the rights of consumers under the Fair Credit Reporting Act ( FCRA ) and related privacy laws. It asserts that consumer reporting agencies like Equifax and XXXX must handle consumer information fairly and with respect for privacy. The author emphasizes their right to prevent these agencies from sharing personal information without consent, as outlined in various sections of the U.S. Code. They argue that neither agency has their permission to share their data and that they have revoked any prior consent. The author claims that these agencies have not informed them about their rights to nondisclosure and have reported adverse information unlawfully. They also highlight that these agencies are not maintaining adequate procedures to protect consumer information and formally declare their decision to opt out of their reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted Experian. 

Please delete the following accounts. 

XXXXXXXX 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 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 explanation
Consumer complaint received 2024-10-21 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: GA

Complaint narrative:
The following credit bureaus stated they would report credit information on my credit report according to FCRA guidelines. I repeatedly disputed XXXX for a late payment in XXXX. I provided documentation to XXXX as well as all of the following credit agencies providing my delinquency was due to an error. The amount was paid XX/XX/XXXX according to my bank statement confirmation number XXXX. I reached out to the provider and the was made aware of the error but stated there was nothing that could be done but send me a credit for the paid amount through the mail in the form of a check. I explained this in writing to each credit bureau and I even called and spoke with several representatives. It's rather unfair that I have a late payment still showing after they have had proof from my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following credit bureaus stated they would report credit information on my credit report according to FCRA guidelines. I repeatedly disputed XXXX for a late payment in XXXX. I provided documentation to XXXX as well as all of the following credit agencies providing my delinquency was due to an error. The amount was paid XX/XX/XXXX according to my bank statement confirmation number XXXX. I reached out to the provider and the was made aware of the error but stated there was nothing that could be done but send me a credit for the paid amount through the mail in the form of a check. I explained this in writing to each credit bureau and I even called and spoke with several representatives. It's rather unfair that I have a late payment still showing after they have had proof from my accounts.

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 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
I am a XXXX XXXX XXXX XXXX and was recently garnished by creditor. I bank with Flagstar bank. Upon receiving the garnishment order from the bank I contacted the bank and told them that I was protected by Federal law from garnishment. I told them that the law says that upon garnishment the bank must look at my account for the past 2 months with direct deposit and protect 2 months of my money to live on. They did not respond even with certified letter sent on XX/XX/year>. People that work at the bank agrees with me but said it is not up to them. Even had they contacted me to explain to me why they did not protect 2 months would help with my XXXX. They left me with no money at all. Also they took money from XXXX XXXX that was to help me replace my furnace and that money was also protected.Now the cold weather is here and I don't know what to do. The bank did not follow Federal banking rules. 

Flagstar Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-10-22 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: MI

Complaint narrative:
I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX  XXXX for the account number XXXX ]. The late payment are reported as being dated XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. 
I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Equifax are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected. 
Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation