vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently requested copy of my Expeian Credit Report. In reveiwing my credit report I was shocked to see several XXXX accounts on my credit report. In looking over my credit report, I noticed it was about six different accounts. 

With six different account numbers, some were of collections, and some were paid closed.Two were paid closed, and three were in collection status. I am not aware of the accounts reporting with the company XXXX XXXX. I did not give any permission too open any account with this company. 

Therefore, I am not aware how my personal infotmation got tied to these accounts. I have had issues of my personal information being compromised. And been used in several transactions in which I recently requested to freeze on my credit file. 

I request that these accounts be deleted and removed from my credit file. I am not aware if these accounts are repoerting on my other credit files. But, I will request my files from XXXX XXXX, and XXXX. I only currently see these accounts on Experian. 

I went onlne and filed a complaint with the Federal Trade Commisiion, for Identity Theft See uploaded copy of complaint, with all account numbers of 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 2024-10-04 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: SC

Complaint narrative:
In accordance with the Fair 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to authorize, nor benefit from the following accounts. Block and Remove. 

XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX has not been verified, nor is it in compliance with XXXX XXXX XXXX XXXXXXXX and FEDERAL LAW 1006.26.

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 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
This complaint is related to my previous complaint under # XXXX to which Synchrony bank replied, " This complaint lists someone the company does not recognize as their customer or their customer 's authorized representative. '' This is a questionable statement to say the least and intentional fraud to say the most! Synchrony bank mailed me a check apparently planning that I would cash it and put myself in a very difficult position. Previous complaint was filed by my wife who was trying to shield me from troubles because I have XXXX disease, and any problem affects me deeply psychologically. But when the heck arrived, she could no longer keep it from me. Copy of the check is provided to this complaint.

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 2024-10-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc.
State: TN

Complaint narrative:
Received an alert from cash app regarding my sons account that I was no longer an authorized sponsor. After I logged in using my Face ID the system shutdown and closed the app when I went to re-enter the app it requested to send me a text with a XXXX code to re-enter the account after completing I entered the app, and the next screen stated my account had been closed for violating terms and use. I went to support and was asked to verify how my account is used and I informed them that I use it to send my kids and me and my spouse send funds regarding bills. I also receive and send funds to friends and family for birthdays holidays and if someone may be selling food plates or just in general shopping. customer support could not inform me what exact reason caused the closure of the account it did allow me to withdraw my funds to my primary account and requested that I appeal the decision and that will take 30 days or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Account was closed and agreed upon amount was paid but Chase will not close and clear the debt as agreed. Have called and requested 1099 for tax purposes to get debt cleared as they have already claimed a loss on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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.

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 non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I recently requested copy of my XXXX Credit Report. In reveiwing my credit report I was shocked to see several Affirm accounts on my credit report. In looking over my credit report, I noticed it was about six different accounts.

With six different account numbers, some were of collections, and some were paid closed.Two were paid closed, and three were in collection status. I am not aware of the accounts reporting with the company Affirm Inc . I did not give any permission too open any account with this company. 

Therefore, I am not aware how my personal infotmation got tied to these accounts. I have had issues of my personal information being compromised. And been used in several transactions in which I recently requested to freeze on my credit file. 

I request that these accounts be deleted and removed from my credit file. I am not aware if these accounts are repoerting on my other credit files. But, I will request my files from XXXX XXXX, and XXXX. I only currently see these accounts on XXXX. 

I went onlne and filed a complaint with the Federal Trade Commisiion, for Identity Theft See uploaded copy of complaint, with all account numbers of accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management, at address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has filed a derogatory collection report about me with credit reporting agencies. They claim that they have tried and failed to collect a debt I owe XXXX XXXX XXXX. 

Fact is, I have not had an account with XXXX XXXX XXXX in over 8 years. I do not owe XXXX XXXX XXXX any money. I have not received a bill or notification of owed debt from XXXX XXXX XXXX. I have not received any letters, emails or any communications from Credence Resource Management about this either. They simply reported this collection to credit reporting agencies, lowering my credit score by nearly XXXX XXXX, without ever contacting me. I believe this is a bullying, strongarm tactic to scam money from me. I am not difficult to reach - I have lived at my current address for over 11 years. I have had the same phone number and email address for nearly 20 years. 

I have tried to challenge this through the credit reporting agencies. It is still showing up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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.

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 2024-10-03 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I discovered incorrect information on my credit report, as outlined in 15 USC 16c-2. This inaccurate information is negatively impacting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this FTC identity theft Affidavit to report fraudulent inquiries on my Consumer XXXX score XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Mo XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-04 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: FL

Complaint narrative:
In early XXXX, I called Discover in regards to a credit card program they offered. I was told about a card program that offered 0 % interest on transferred balances until XX/XX/XXXX. They said that as long as the balance was paid off by XXXX of XXXX, then I would not have to pay the deferred interest charges. I told them that this was a great program and I signed up online. I made XXXX balance transfers and it was while I was making these that I was presented with the fact there was a 3 % charge on the transfer. This was never disclosed to me. I decided to pay it as it was still a good deal. It took a while to get the actual card and in late XXXX I called to do a third and final transfer over the phone. I asked the representative if this was the no payment, zero percent interest card until XX/XX/XXXX and they confirmed it. Today ( XX/XX/XXXX ), I saw online that I owed {$280.00} on my balance by XX/XX/XXXX. I called and spoke to supervisor XXXX and she stated that I had agreed to the disclosure when I called in late XXXX. I asked if I could hear the recording as I didn't remember hearing that and/or agreeing to it. She told me she couldn't provide the recording and that I would have to go upon her word. She told me that I could write or fax a request, but their policy was the recordings were for internal use only. I reiterated that the recording is to also protect the customer and that I had a right to hear it since it involved my financial well being. I would like to hear the unedited version of my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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.

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 non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
a {$25.00} returned item fee was billed to my account, but there is no associated transaction to it i have overdraft service turned off and my account was never overdrawn i read terms disclosed and didnt show anything for {$25.00} fee for ACH RETURNED ITEM i suppose the fee is regarding a failed ACH transfer, but this kind of fee is not disclosed in terms of service and dont billed by any other bank. some banks bills if accound is overdraft and some others offers to pay asap and revert overdraft fee. 

https XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: FL

Complaint narrative:
15 USC 1692c ( c ) THIS LAW CLEARLY STATES If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. Reporting to my consumer report is a form of communication, which is in clear violation for this company and the continue calls.

Company response to consumer: Closed with explanation