vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Best buy upgraded my store credit card to a visa without my consent

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 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Every time they called me over the last year I asked them to send me proof of a binding contract that could show the contract belonged to me and they only sent me statement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2024-11-24 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: NY

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I have a recurring payment set up with this company, XXXX is the name on the initial transaction, from my debit card ending in XXXX from M & T bank. It is a recurring payment in the amount of XXXX dollars every Friday for XXXX weeks. It was a purchase for a program I need. On XX/XX/year> the company mentioned above attempted a transaction in the amount of XXXX as I agreed to, I got a text message from M & T with a fraud alert asking for a Y or N reply if it was me. I replied y. The next day the company mentioned above tried the transaction again and again I got a text message from the fraud department and again I replied Y it is me. Still denied. So the company is patient I have been in contact with them wasting my precious time. I called the bank this morning, was asked a series of questions pertaining to my account, then I was asked what these transactions are for, and that was it, I lost my temper. This has NOTHING to do with a fraud " protection '' and everything to do with an invasion of privacy. That bank wants to know who my payments are going to in XXXX. Bottom line here is, I paid the initial XXXX dollars, my account was positive for the automatic XXXX dollars, plus I paid the international fees. I want this bank reprimanded for not minding their own business when I called and answered all the questions pertaining to my account, and was still denied a service provided by that bank because I chose to not provide information that is not needed to them. Who I pay and what for is my business.

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 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
This is for our business checking account with XXXX XXXX. We have had this account opened now for about 40 days. We have deposited checks and they have cleared. I then transferred some of these funds to my personal checking through XXXX XXXX. I then went out to dinner with my wife to use the card and it was restricted. XXXX XXXX froze all of my accounts, will not let me access my funds and can not give me an answer when I can get access to my funds. They have over {$30000.00} in my personal account and over {$12000.00} in a business account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Lvnv funding has placed a debit on credit report. They have never sent any letter and will not validate the debt. The phone calls are Inconvenient. I am not sure what the debt is for. Please assist in validating and or removing the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: NY

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have experienced a financial hardship and this item is reporting as a chargeoff ; however, I have not received a 1099 form. Could you please send me a copy of the 1099 for tax purposes? 

Capital One Auto Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: MA

Complaint narrative:
I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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:
I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: MA

Complaint narrative:
Hi Manager, CFPB Representative, Please see the attached documents regarding ongoing issues with inaccuracies on my credit reports. Over the past 69 months, I have repeatedly attempted to address these errors with XXXX, XXXX, and Equifax, but all three credit reporting agencies have failed to comply with their obligations under federal law to thoroughly investigate and correct the reported information. 

The following are the key issues Ive identified : Re-aging of Accounts : These agencies have repeatedly updated the " Date of Last Activity '' ( DLA ) on several accounts, causing them to appear as recently active. This practice is a direct violation of the Fair Credit Reporting Act ( FCRA, 1681s-2 ( a ) ( 2 ) ), which prohibits the illegal re-aging of accounts to extend the reporting period beyond the legally allowed timeframe. 
Inconsistent Payment History : I have discovered discrepancies in payment statuses and histories across the credit bureaus, with some accounts reflecting late payments or past-due statuses even after being marked as collections or charge-offs. According to FCRA 1681e ( b ), credit reporting agencies must maintain accurate and complete information in credit reports, which has not been done here.

Invalid and Questionable Balances : Certain balances on my accounts appear inflated or inconsistent across the bureaus, indicating a failure to verify these balances properly. This violates FCRA 1681i ( a ) ( 1 ) ( A ), which mandates credit bureaus to conduct a reasonable reinvestigation of disputed information. 
Reporting on Transferred or Sold Accounts : If a charged-off account has been sold or transferred to another party, it can not continue to report as late or past due by the original creditor. This violates FCRA 1681s-2 ( a ) ( 5 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692e ( 8 ) ), which prohibits furnishing false or misleading information.

Summary of Violations These errors constitute severe breaches of my rights as a consumer under the FCRA and FDCPA, including but not limited to : 1681e ( b ) : Failure to ensure maximum possible accuracy 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a proper reinvestigation 1681s-2 ( a ) ( 2 ) : Re-aging of accounts 1681s-2 ( a ) ( 5 ) : Improper reporting on sold or transferred accounts 15 U.S. Code 1692e ( 8 ) : False reporting of account status

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: MA

Complaint narrative:
Hi Manager, CFPB Representative, Please see the attached documents regarding ongoing issues with inaccuracies on my credit reports. Over the past 69 months, I have repeatedly attempted to address these errors with Experian, XXXX, and XXXX, but all three credit reporting agencies have failed to comply with their obligations under federal law to thoroughly investigate and correct the reported information. 

The following are the key issues Ive identified : Re-aging of Accounts : These agencies have repeatedly updated the " Date of Last Activity '' ( DLA ) on several accounts, causing them to appear as recently active. This practice is a direct violation of the Fair Credit Reporting Act ( FCRA, 1681s-2 ( a ) ( 2 ) ), which prohibits the illegal re-aging of accounts to extend the reporting period beyond the legally allowed timeframe.

Inconsistent Payment History : I have discovered discrepancies in payment statuses and histories across the credit bureaus, with some accounts reflecting late payments or past-due statuses even after being marked as collections or charge-offs. According to FCRA 1681e ( b ), credit reporting agencies must maintain accurate and complete information in credit reports, which has not been done here.

Invalid and Questionable Balances : Certain balances on my accounts appear inflated or inconsistent across the bureaus, indicating a failure to verify these balances properly. This violates FCRA 1681i ( a ) ( 1 ) ( A ), which mandates credit bureaus to conduct a reasonable reinvestigation of disputed information. 
Reporting on Transferred or Sold Accounts : If a charged-off account has been sold or transferred to another party, it can not continue to report as late or past due by the original creditor. This violates FCRA 1681s-2 ( a ) ( 5 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692e ( 8 ) ), which prohibits furnishing false or misleading information.

Summary of Violations These errors constitute severe breaches of my rights as a consumer under the FCRA and FDCPA, including but not limited to : 1681e ( b ) : Failure to ensure maximum possible accuracy 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a proper reinvestigation 1681s-2 ( a ) ( 2 ) : Re-aging of accounts 1681s-2 ( a ) ( 5 ) : Improper reporting on sold or transferred accounts 15 U.S. Code 1692e ( 8 ) : False reporting of account status

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 2024-11-24 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:
I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: GA

Complaint narrative:
I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> email XXXX address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX once again I request the information that you send me with the 21 days advance notice before posting the delay to my credit bureau and you still have not provided me with any information. If such information exists please send it to me by this means. If not, please remove the information from all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: VA

Complaint narrative:
( BY LAW XXXX, Transunion and XXXX IS IN Violation. Please furnish THESE FRAUDULENT INACCURATE Accounts a By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not I am demanding the deletion of Accounts as in VIOLATION of my rights 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, ACCOUNTS, listed IMMEDIATELY! 
h violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. 
Not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items 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 2024-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
On XXXX. XXXX, 2019, Ideal Collection Services Inc. reported a balance of {$6100.00} in debt to XXXX of my credit reports. I have requested on multiple occasions for a thorough investigation and validation of this debt. I have never received any contracts, signatures that I have signed to validate this debt. 

They refuse to remove this debt from my credit which hindered my credit score GREATLY. 

They cant provide validation of the debt and still refuse to remove it. I have no clue who these people are, how they got my information and so fourth and they wont provide me any proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: DC

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and correct any errors on a consumer 's credit report within a specific timeframe. According to Section 611 of the FCRA ( 15 U.S. Code 1681i ), credit reporting agencies must correct or remove any inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute from the consumer.

Perpetual investigation one year now.

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 2024-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
The CFPB must fine fifth third bank for stealing my ssi benefits there under my SSN number I am told by XXXX in XXXX and are told by XXXX about the matter that they do not get involved with social security administration benefits at all. My Medicare card was stolen from me since XX/XX/XXXX I couldn't use my own Medicare card and discovered 7 years ago a Michigan State employee XXXX XXXX XXXX XXXX had access to my Medicare card and his as well I am told by XXXX XXXX at Medicare XXXX XXXX department. Now as of XX/XX/XXXX in a letter XXXX are telling me that name has been removed possibly opening the door to release over 20 years of missing benefits. You must release XXXX and establish a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX account # XXXX XXXX XXXX account # XXXX This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me.

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