vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Access Receivables of NC Inc.
State: SC

Complaint narrative:
Received notification of XXXX owed to XXXX XXXX XXXX. Contacted collection agency via email and stated debt was not mine and requested validation. XX/XX/XXXX  I received a letter in the mail that was supposed to be the debt validation. The paperwork sent has the date the account was opened and the amount owed. The signature on the contract is not mine nor does the paperwork indicate the location where the account was opened nor a copy of the identification presented/collected at the time the application was completed and the account opened. 

Whomever opened the account provided my checking account information for automatic debit of the payments. When I noticed the deductions I contacted my bank and reported the activity as fraudulent. 

That was over three years ago. I was never contacted about this account or the alleged delinquent payments until last week. 

Again I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding an unfamiliar account, XXXX XXXX XXXX, with Account # XXXX, that has been inaccurately posted on my credit report. I have no knowledge of the origin of this account, and its reported opening and closing dates are both inconsistent with any financial activity I have been involved in. 

I have no record or awareness of an account with XXXX XXXX XXXX, Account # XXXX. It is concerning and distressing that this account has appeared on my credit report without any prior notice or verification. 

The reported opening date of XX/XX/, and closing date of XX/XX/, are entirely inconsistent with any financial activity or accounts that I have been involved with. This inconsistency further raises questions about the accuracy of this reported information.

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 2023-10-25 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: 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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX I NEED THESE ACCOUNTS TO BE REVIEWED AND DELETED I CAN NOT HAVE THEM ON MY REPORT BECAUSE SOME OF THESE ACCOUNTS HAVE LATE PAYMENTS WHEN I HAVE NEVER PAID LATE XXXX XXXX {$6000.00}

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 2023-10-25 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:
LATELY I HAVE BEEN SHOPPING FOR A MORTGAGE AND THERE ARE A FEW LENDERS THAT RAN MY CREDIT WITHOUT GETTING BACK TO ME WITH APPROVAL OR DENIAL. I WOULD LIKE THOSE INQUIRIES REMOVED AS THEY WERENT PROCESSED FOR APPLICATION. I STILL DONT HAVE ANY FEEDBACK FROM ANY OF THE LENDERS THAT PULLED MY SCORE AND THE HARD PULLS, PULLED MY SCORE DOWN. I WANT TO REMOVE ALL FREEZES AND FRAUD ALERTS, I DINDNT REQUEST THAT. I ALSO WANT TO REMOVE ALL PRIOR CONSUMER STATEMENTS : INFORMATION OUTDATED AND UPDATE WITH THE ATTACHED ( SEE ATTACHED DOCUMENT ) I WOULD ALSO LIKE THE BUREAUS TO FURNISH PROPER CREDIT CARD USAGE ON CLOSED ACCOUNTS. REPORT XXXX BALANCE ON CLOSED AND WRITE OFF ACCOUNTS AND STOP MONTHLY REPORTING ON CLOSED ACCOUNTS REMOVE AUTO LOAN ACCOUNT WHICH HAS BEEN BREACHED DUE TO DISCOVERY OF DEALER LOAN FRAUD ( PAPERWORK PREVIOUSLY SENT IN ). XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding an unverified credit collection entry with account number XXXX that has been posted on my credit report. The presence of this unverified entry is causing significant harm to my credit score and my overall financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: CA

Complaint narrative:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX and XXXX XXXX XXXX. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely 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 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: GA

Complaint narrative:
I opened an business checking account with US Bank on XX/XX/ and deposited {$16000.00}. They closed my account without my authorization on XX/XX/ and will not return my money back to me. I reached out to US Bank ( XXXX ) and asked to return the {$16000.00} back to me. US Bank asked me for copies of my drivers license to verify my address ( front/back ), social security card ( front/back ) and two billing statements from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( the originating bank that I initially requested to transfer the funds to US Bank ). Even with providing all the necessary documents they requested, US Bank is still refusing to return the {$16000.00} back to me. I've sought help from my originating bank ( XXXX XXXX XXXX XXXX XXXX XXXX  ) that facilitated the transfer ; they reached out to US Bank on my behalf and asked them to return my money back to me. 

XXXX from US Bank XXXX Customer Assurance DDA Fraud and Risk Prevention Office of the President ( see attached documents ) said that US Bank will return the funds back to XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( after 15 business days from XX/XX/XXXX ). It is XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) has still not received the funds ( {$16000.00} ) even after 25 business days. 

US Bank Reference Number XXXX Account number : 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 2023-10-25 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: LA

Complaint narrative:
This company is still reporting this identity theft account under my name and on my credit report. I didnt open this account my identity and information was taken over and have caused me emotional distress and problems of this company dont remove this from my credit report and from under my name I will look into legal ramifications. I been a victim of identity theft. I have attached an FTC identity theft affidavit that I had to file.

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 2023-10-25 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: Orions Management Group, LLC
State: TX

Complaint narrative:
This debt collection agency has engaged in practices that are explicitly prohibited by the FDCPA, which include abusive, deceptive, and unfair actions. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. Additionally, the " date last active '' is different from what another credit bureau is reporting, despite the requirement for all information to be comprehensive and accurate. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to ORIONS MANAGEMENT GROU, constituting another violation. It's important to note that my personal information was compromised in a data breach, information that your company, along with the credit bureaus, would have been aware of had an investigation been conducted. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2023. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. If this account is not removed within 30 days, I will have no choice but to involve my legal attorney to address this matter through small claims court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I pay the outstanding balance of my Comenity credit card each month. I mailed a check for the total balance due on XX/XX/2023. I used my card and it was rejected. I called the Company and was told no payment was received and the card was placed on hold. 

I checked my account online and the XXXX payment had not been posted to the account. I spoke to the representative XXXX and explained my check was mailed XXXX. The date it was to be paid by was XXXX. Since I wanted to be able to use my card, the representative took my checking account information and paid the missing payment. I was told it would be a week before I could use the account again. In the meantime, I received the next month statement which had a {$25.00} late fee and {$40.00} of interest. 

Today I went online, and saw the payment I made on the phone on XXXX and also the payment I made on XXXX for the same amount .which was posted to the account on XXXX. Nineteen days after it was mailed. 

I called the Company today to try to resolve this. I want the late fee and the interest removed. I pay the bill the day received for the entire balance each month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25 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: NC

Complaint narrative:
This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am disputing the following 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  This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2023 Funds were taken out of my checking account without my consent. I am currently in XXXX. I have been here since XX/XX/2023 and do not return until XX/XX/2023. This is information I provided chime and information I provided proof of. Funds were taken out and put into a " XXXX XXXX  '' account. I DO NOT have a XXXX  account. XXXX is not even allowed to be used where I am located currently, in XXXX. I reported these charges RIGHT AWAY to Chime and literally in less than a few hours after reporting they denied my claim. I then had to report this again and provide more information and told them these charges were COMPLETELY UNAUTHORIZED, THEY ARE FRAUD. I DO NOT have my debit card with me. I am in a location where it would literally be impossible to make transactions such as these. When I reported it again, they sent a confirmation email saying they're investigating and temporary funds would be added to my account by XX/XX/XXXX. Then right after receiving that email, within a few hours of reporting AGAIN, they denied the claim. They are not taking into account any of the information I'm providing. I even offered to sign a statement that states that these transactions were not done by me. I provided proof of me being in XXXX and can provide even more proof if needed. I need my funds back ASAP. They are absolutely not doing ANY sort of investigation and just blindly denying my claim despite overwhelming evidence in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: GA

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2023-10-26 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: GA

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AL

Complaint narrative:
After purchasing a vehicle from XXXX XXXX XXXX years ago, my loan amount remained the same from the day I drove off the lot. It took {$3000.00} to drive off the lot. The total amount to be financed was {$9500.00}. When I contacted my financial institution, XXXX XXXX XXXX out of XXXX XXXX, I was told I am paying a {$6.00} interest rate daily until my auto loan is paid in full. An interest rate was already factored into the agreement and the paperwork I have on hand does not state that to be true. I requested a copy of the contract between myself and XXXX XXXX XXXX and their response was I am not on their contact list. I proceeded by asking " What such thing? If I have an open account why do I need to be on a contact list. '' Nevertheless, I proceeded and asked how do I get back on the contact list and I was told to write a letter and send it by email. So I did and I immediately started receiving spam calls, messages, and emails. I was told I couldn't make online payments and I had to call XXXX XXXX XXXX to make payments or send via XXXX XXXX. I have paid over {$7000.00} on this car just for it to still be at the same amount of {$12000.00} 2.5 years later. I still have not received a copy of the contract that I requested and it has been over 30 days. Another complaint is that they are charging me an ACH return fee of {$30.00} a month for 2.5 years and I've never had this account linked to a bank account for automatic drafts. When I brought this to the rep 's attention, she said I do not have an auto-pay setup. ONLY XXXX OF THE {$300.00} A MONTH IS GOING TOWARDS THE PRINCIPAL!!!!!!! DO NOT DO BUSINESS WITH THIS COMPANY!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A charge off means that a lender or creditor had written the account off as a loss and the account is considered to be used as income when filling taxes for the consumer which mean it should not be used to be reported on credit report. According to 15 U.S.C. 1681 ( 1 ) the banking system is dependent upon fair and accurate credit reporting. In accurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The charge off of this account reporting a late payment is a clear violation of the FCRA law. Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions. The information on two different credit reporting agencies is reporting two different information and dates do not match

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