vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to seek assistance regarding a serious and ongoing issue of cyber security and identity theft that I have been experiencing for over a year. It began XX/XX/year>. I started noticing my apps were altered, my passwords were constantly being changed and still is, my information gets altered, they have tried to personate me. Despite my efforts to secure my personal information and take preventive measures, the hackers continue to exploit my identity, causing significant distress and financial harm. In XX/XX/year>, I changed phone carriers and switched to XXXX. This is where the issues escalated. My phone number was different, my bill did not match my XXXX. information, and my XXXX account sometimes did not match the XXXX number. Additionally, my devices would occasionally show another name. My passwords began to be changed, my apps looked strange, my downloads were missing and indicated they were on another device. I noticed screen sharing on my devices, my camera light turning on, and overheard conversations coming from my phone. I notified XXXX and began paying for XXXX XXXX in XX/XX/year>. I filed a police report in XX/XX/year>, left XXXX, purchased a new XXXX XXXX XXXX, and started with XXXX in XX/XX/year>. Despite these efforts, the hackers have persisted in their malicious activities. I purchased an XXXX XXXX XXXX, hoping that the advanced security features would help protect my personal information. Unfortunately, the hackers have persisted in their malicious activities, even with this new device. I am a school social worker at a district for public schools and a mental health counselor. Since the very beginning of this ordeal, I have had XXXX XXXX, but they have not provided the assistance I need. As a result, my XXXX closed my card and I didn't even have a balance. They didn't want to work with me nor did they care. And my credit score has suffered significantly. Despite providing police report numbers and filing fraud disputes, my situation remains unresolved. My payments are constantly late, leading to increased fees and higher minimum payments. I spend hours every week on the phone with various entities trying to resolve these issues. Not even during XXXX. But yet they didn't work me, nor cared I was the victim, and treated me with no respect. After them closing me account, I still make payments even them closing my account. I mean it was quick for them. And little by little I have lost everything I worked so hard to do. And I am the victim here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Sometimes back in XXXX or XXXX, Santander send a letter for me to pay a lower amount on my car that was already repossessed. They offered me to pay the amount of {$600.00} to take care of the bill. So I called them and paid it, I also asked them to delete the debt from credit and they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My lease signed on XXXX XXXX. My housing program had no properly maintenance done on water heater. Tagged in violation of code. Leaked gas due to not certified plumber trying to light pilot. Was tagged numerous times 30 days longest without gas. With a child a oxygen thru a government subsidize housing unit. Her nurse had a paid a XXXX bill one time for me. To continue service. This account was closed wen I was wrongfully evicted n involuntary displaced from my home during pandemic with a 3 kids 1 of which has life threatening conditions. Haven't been able to get thru to my housing authority. Was ignored n now my child has n is still suffering

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 2024-09-28 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax consumer reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two personal credit cards opened with XXXX XXXX on XX/XX/XXXX, a credit card opened with Capital XXXX on XX/XX/XXXX, and a personal loan with XXXX XXXXXXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of aggravated identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On Friday, XX/XX/year> my fianc and myself went into Chase Bank to cash our paychecks. Since I had an account my transaction wasnt an issue, however my fianc did not so they told him they couldnt do anything unless he wanted to sign over his check to me. His check was in the around the amount of $ XXXX and some odd cents. He signed over the check to me and we were told that the check would be put on hold for 7-10 business days. We said that was fine. The next week, on Friday, XX/XX/year> I received an email and a text telling me that my accounts were going to be closed. We immediately called and were told since they couldnt verify his phone number they were closing my account. We asked what number they called and they gave us a number he didnt recognize, we gave them his current one and they said it doesnt show that it is linked to him and they can not do anything. We went in to the local Chase Bank and were told the same thing. The amount I put in on XX/XX/year> was mailed to me but his check is still being held until they can verify his phone number. We told them this was ridiculous as he had his government ID and social security card with him to verify who he is and that phone numbers arent a good idea at to tell who someone is. It has been almost two months now, we call every week and they tell us the same thing. We even called our phone company to verify his account was in his name, Chase Bank is still not sending us his money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian consumer reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two personal credit cards opened with XXXX XXXX  on XX/XX/XXXX, a credit card opened with XXXX XXXX on XX/XX/XXXX, and a personal loan with XXXX XXXXXXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of aggravated identity theft.

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 2024-09-28 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: MD

Complaint narrative:
Per 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian won't let me log into my account because it claims that I have a premium account but even on the login screen it doesn't let me change that or cancel that option and whenever I tried to retrieve my report on annual credit report experience said that there was an issue and wouldn't explain further as to why they wouldn't give me my report. It's pretty sad that people 's lives and financial needs literally have to rely on these lying companies

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 2024-09-28 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 made multiple attempts at disputing multiple items on my file with consumer agencies. A few of these items have been deleted from one or two of these agencies while the same account reflects on other reports. The accounts that should have been deleted but were then updated from close to open or have updated without any payment history nor validation of debt itself. I havent finished to these debt any permissions to check review any of my personal information with that being sad these companies have violated my rights and the reporting agencies arent in compliance with the rights afforded to me based on 15 U.S.C 1681. These accounts should be removed effective immediately.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$0.00}

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2024-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
On XX/XX/year> I received a copy of my consumer report and noticed an item that is reporting inaccurately. Credence resource MA is listed on my report I have never entered into a consumer credit transaction with this company. According to 15 USC 1693G you are required to provide evidence proving that I am responsible for this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My lease signed on XXXX XXXX My housing program had no properly maintenance done on water heater. Tagged in violation of code. Leaked gas due to not certified plumber trying to light pilot. Was tagged numerous times 30 days longest without gas. With a child a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Her XXXX  had a paid a XXXX bill one time for me. To continue service. This account was closed wen I was wrongfully evicted n involuntary displaced from my home during pandemic with a XXXX kids XXXX of which has XXXX XXXX XXXX. Haven't been able to get thru to my housing authority. Was ignored n now my child has n is still suffering

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TomoCredit Inc.
State: NY

Complaint narrative:
I created an Account with Tomo Credit and used their credit card, the card must be paid immediately after purchase and it is advertised to help build credit score. Suddenly they closed my credit card account and I had a negative Balance of {$440.00}. I began to contact them but was unable to do so on their website, I emailed them multiple times and called. The contact option they had listed was email and thats it. shortly after I am unable to access my online account and no access to my overpayment of the card. I am trying to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Per 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. 

XXXX : # XXXX, XXXX : XXXX XXXX, XXXX XXXX  : # XXXX, 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 XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX has violated my rights. 

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 an 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 response to consumer: Closed with non-monetary relief