vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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:
EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX Please provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. 
Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. 
IF YOUR COMPANY ATTEMPTS TO CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/24 a criminal posing as a XXXX employee sent wire instructions for payment. I called Discover to alert them of potential identity theft. Discover was uninterested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This collection company has place deceptive information on my credit report for an account that they do not have jurisdication or license to collect and have not proven that the debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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:
These studies are fraudulent, even though I have the authority to do so. I strongly recommend that you do a thorough investigation and remove this item from my credit report. We provide documentation to support your review.

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am writing to advise you that my Apple credit card issued by Goldman Sachs has been the subject of repeated fraudulent charges and unauthorized ACH transfers to Goldman from my checking account. To make matters worse, I have repeatedly received calls that appear to be using the Goldman Sachs Apple Card Helpline. Individuals claiming to be XXXX XXXX and XXXX XXXX have claimed to be XXXX Account Specialist and Account Supervisor, respectively, who then placed bogus charges on my account. Let me repeat these individuals based on the caller ID on my XXXX are calling from the Goldman Apple Help Center. 
The initial fraud occurred on XX/XX/2023, when over {$30000.00} was charged to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX and they were able to transfer money from my linked XXXX account to pay Goldman for the fraudulent charges, so they could make additional fraudulent charges. It took over a month to resolve this and I was assured that the highest level of security would be put on my account so nothing like this could happen again. BUT IT DID HAPPEN AGAIN. On XXXX XXXX XXXX, another XXXX XXXXXXXX fraudulent charges were placed on my Apple Card for ( for multiple transactions ) to XXXX XXXX XXXX XXXX , and XXXX. And Again my linked XXXX Account was raided and emptied to pay via XXXX transfer Goldman Sachs Apple Card for the charges. I now have an overdrawn XXXX Account and my Goldman Sachs Apple Card improperly has {$25000.00} of my funds. I NEED THESE FUNDS BACK IMMEDIATELY. They refuse to return the funds while they " investigate '' even though they know these charges are completely fraudulent and any competent credit card company using standard fraud detection would not have allowed these charges to be made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 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: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson Capital is inaccurately reporting a fraudulent account on my credit report from XXXX on XX/XX/XXXX. It appears the fraud account was opened in XX/XX/XXXX. I am asking for this account to be removed from my credit profile immediately and information regarding the account be provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I received a letter title pre-legal notification from MIDLAND CREDIT MANAGEMENT, hereafter MCM, dated XX/XX/2024. The letter threatened me with possible litigation for an alleged debt for {$7700.00}. They demanded that I pay them no later than XX/XX/2024. I have never done any business with nor I have any contract or agreement with MCM. 

On XX/XX/2024 I responded by mail requesting a mutually signed novation contract or agreement which entitles MCM to collect on the alleged debt. I also informed that I have agreed not to work with any collection agency under any circumstances. 

MCM ignored my request to provide mutually signed novation contract or agreement and proceeded with collection activities by mail. I received another letter from MCM dated XX/XX/2024 which did not include the information that I requested. 

On XX/XX/2024 I responded by mail requesting a debt validation and reminded them about MCM ignoring my request for a mutually signed novation contract or agreement. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Self Financial Inc.
State: GA

Complaint narrative:
I am writing this to file a formal complaint against Self/XXXX XXXX  regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GBLA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified SelfXXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that SelfXXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent.

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Self/XXXX XXXX  complies with all federal regulations and laws including the GLBA, to protect the privacy and information security of consumers like me.

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by SelfXXXX XXXX . Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TX

Complaint narrative:
These studies are fraudulent, even though I have the authority to do so. I strongly recommend that you do a thorough investigation and remove this item from my credit report. We provide documentation to support your review.

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 2024-02-21 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:
I want you to remove the unnecessary inquiry from my loan report as soon as possible. To make it easy, I have put together an article to support this complaint.Please investigate this issue as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: World Omni Financial Corp.
State: AL

Complaint narrative:
Southeast Toyota Finance XXXX XXXX XXXX XXXX, AL XXXX ACCOUNT XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice. 
Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
My XXXX XXXX XXXX passed away on XX/XX/XXXX. they bank was notified, i traveled to his state of Florida, were a banker advised me he had no beneficiary assigned. 
Probate case was closed XX/XX/XXXX I sent the required documents on XX/XX/XXXX I was told they were received XX/XX/XXXX and to give the department about 2-3 weeks before i followed up. 
I called XX/XX/XXXX and was advised they received the paperwork but were still processing it. 
I received a letter saying that they needed my letter of administration to proceed proceed on XX/XX/XXXX for XXXX accounts, best i knew there were XXXX and the bank NEVER even added the third account on any correspondence, hence my lawyer did have the information to pass on to the judge. 
I called XX/XX/XXXX spoke to XXXX and was told that the paperwork was 3/4th the way processed and from that conversation it was figured out that the letters of administration needed to be notarized. keep in mind the letter came straight from the lawyer in Florida who deals with probate and banks all day. i faxed the NOTARIZED letter to the bank XXXX/XXXX/XXXX. 
I called on the XXXX to confirm the letter was uploaded and XXXX informed me they had not received the fax, they were backed up and to give them a few days. 
i called back XX/XX/XXXX spoke to XXXX again, she claims they still were waiting on the fax, i ask for a mailing address and she suggests to resend the fax. i resend XXXX. she takes my number and assures me she will call me when she receives the fax. 
I called back on XX/XX/XXXX spoke to XXXX, he also told me neither faxes have been received but he would take my number and call me when it did. 
i asked him if there was another department, or number, or address that I could contact besides a call center where my calls are not noted, and unfortunately this is just how they do business. I would like to know who holds this department accountable because right now there is nobody i can really get any information from, I have no timeline and i have no way to properly get the letter of testament to the bank. they are incredibly hard to work with and in order to get any information about the so called XXXX account i would need to pay my lawyer an additional {$5000.00} to reopen my case. 
but I cant even get an answer of what happens from here or a timeline because according to CITIbank I still haven't given them the TIME SENSITIVE document they require. 
every time I call its like reliving the death of my father, closing his accounts should not be this time consuming, stressful, and painful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX Account Number : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-21 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX Account Number : XXXX XXXX XXXX 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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX IS REPORTING THAT MY XXXX MORTGAGE IS NOT CURRENT AND CAUSED XXXX XXXX AUTO FINANCE TO TURN DOWN MY REQUEST FOR AUTO FINANCING.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to

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