vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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 just received a promotion and relocation from job. I never paid attention or was knowledgeable of credit. Upon looking into my building my credit i seen four accounts that i am not aware of ... XXXXXXXX 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 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
On XX/XX/XXXX {$2000.00} was wrongfully transferred out of my money network account. Then on XX/XX/XXXX {$1300.00} was wrongfully transferred from my account. I didn't notice until I received an email saying my balance is {$0.00}. I had to regain access to my account, then I saw that all of my information was changed. Different phone number and bank account. I called money network to dispute the transactions, I got the {$1300.00} reimbursed, but the dispute for the {$2000.00} was not honored. A police report was filed on XX/XX/XXXX. On XX/XX/XXXX, I received a letter in the mail letting me know that my dispute was declined. I have screenshots of the transfers, the dispute iD, the police report, and the account that it was transferred to ( which did not belong 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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX Date : XX/XX/XXXX To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX ( Debtor Signature ) XXXX XXXX ( Debtor Printed Name )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries appearing on my credit report. I have not authorized or provided explicit consent for these inquiries, making them invalid and in violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries appearing on my credit report. I have not authorized or provided explicit consent for these inquiries, making them invalid and in violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After going through my credit report, I found accounts listed that are currently tied to ongoing litigation. Since these accounts are still unresolved, their inclusion is harming my credit profile in an unfair manner.

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> followed an online marketing from Regions Bank for cash bonus promotion of {$400.00} for new checking account, {$100.00} for new saving account and {$200.00} for new credit card I opened all these accounts at the branch situated on XXXX XXXX, XXXX, TX XXXX. 

I met all the requirements for {$400.00} cash bonus of a new checking and {$100.00} cash bonus for new savings. However, the bank adamantly refused to honor their marketing advertisement without any justification. Worst Regions also denied my credit card application without a good reason. The Bank unreasonable refusal leave me no other choice but think they have discriminated against my race. Their deception, unfairly dishonoring their cash bonus promotion on all banking products leave me no other choice but file this complaint against Regions Bank with CFPB organization.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: MA

Complaint narrative:
ADDITIONAL COMMENTS Prosper cancelled my automatic payment method due to closing my account do to the company lowering my credit limit due to my credit score lowering following a purchase of a vehicle. A payment plan with automatic payments was set up with their representative which has been confirmed with 3 representatives for a payment of each month until XXXX of 2025 until the balance is paid in full. My payments are being issued as late because the full balance isnt paid off and a payment plan has been set up with THEIR REPRESENTATIVE as I do not have access to set up autopay any longer unless it is the full balance due to closing the account. Their representative made two automatic payments in XXXX that was collected and a scheduled a payment for each month of {$200.00} until XXXX of 2025 so the balance can be paid in full which is scheduled automatically to come from my bank.If my balance was reported to a collection agency I would like the documents in which I signed allowing my personal information to be transferred to a 3rd party. This company did not note the payment plan that was set up with their representative that was made due to a sudden lowering of credit limit as it is not feasible to pay full amount immediately. If two payment were made in XXXX how is my account 60 days past due? How

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 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I was in the process of purchasing real estate, three business days before closing I received email correspondence from someone posing as my real estate attorney requesting closing costs to be wired to a PNC bank account. I initiated the wire transfer of {$89000.00} on XX/XX/year>. Two days later I was informed that the account did not belong to my attorney and it was wire fraud. I reached out to my financial institution to initiate a wire recall and they have been trying to contact PNC since XX/XX/year> with no response. There have been over 10 attempts by my financial institution to contact PNC regarding the wire recall and no communication from them has been received. 
A local police report as well as an FBI IC3 complaint have been filed for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
I Reviewed my credit profile and noticed some hard inquiries that do not belong 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 explanation
Consumer complaint received 2024-11-19 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Credit card was open on XX/XX/XXXX with Saks fifth avenue of a credit limit of {$1000.00}. A purchase was made for {$980.00}. I would like to report fraud. I did not open this card or make a purchase. On XX/XX/XXXX I got bank statement I contacted the credit card company to let them know that I didnt not open this account or made any purchases. I also contacted XXXX XXXX to dispute this action

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im filing a formal complaint against JPMCB CARD SERVICES due to their ongoing reporting of incorrect information on my credit report. Despite multiple disputes concerning these accounts ( Account Numbers : XXXX and XXXX ), they have not taken steps to correct or remove the inaccuracies. This false reporting is having a significant impact on my credit score, giving potential future lenders a misleading impression of my creditworthiness. Ive reached out to both JPMCB and the credit bureaus repeatedly about these errors, yet no solution has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GA

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 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 non-monetary relief
Consumer complaint received 2024-11-19 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNT : XXXX XXXX  Account number - XXXX _____________________________________ INQURIES XXXX XXXX XXXX - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 conviction
s 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNT : XXXX  - Account number - XXXX _____________________________________ INQURIES XXXX XXXX XXXX - Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

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 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IL

Complaint narrative:
I am filing this complaint due to inaccuracies and noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by XXXXXXXX XXXX Crown Asset Management LLCXXXX XXXX XXXX XXXX XXXXXXXX in relation to an account allegedly tied to XXXX XXXX XXXX. Despite submitting evidence of identity theft, these entities have failed to validate or properly investigate the disputed debt. 

Key Issues : 1. Failure to Validate Debt Properly : I submitted debt validation requests to Crown Asset Management LLC and XXXX XXXX XXXX, but they failed to provide adequate validation of the alleged debt. The documents provided contained incorrect names and unverifiable signatures. 

XXXX. Fraudulent Account Reporting : XXXX Bank and Crown Asset Management LLC continue to report a fraudulent account tied to XXXX XXXX XXXX under variations of my legal name, which were outlined and disputed in my FTC Identity Theft Report, police report, and FTC XXXX XXXX. 

XXXX. Use of Incorrect Name and Signature : The promissory note submitted as validation by Crown Asset Management LLC and XXXX XXXX XXXX shows the name XXXX XXXX, which is not my legal name, and contains a forged electronic signature that I did not authorize.

4. Failure to Block Fraudulent Accounts : Under Section 605B of the FCRA, creditors and credit reporting agencies are required to block accounts identified in an FTC Identity Theft Report and police report. XXXX XXXX  has failed to comply with this requirement. 

XXXX. Negligence in Debt Collection Practices : XXXX XXXX XXXX, acting as a collector for Crown Asset Management LLC, continues to pursue collection efforts despite being notified of the fraudulent nature of this debt.

Timeline of Events : XX/XX/XXXX : Filed a police report in XXXX XXXXXXXX XXXX regarding identity theft. 
XX/XX/XXXX : Submitted debt validation requests to Crown Asset Management LLC and XXXX XXXX XXXX, and provided FTC Identity Theft Report, police report, and Fraud Affidavit. 
XX/XX/XXXX : Received inadequate validation response from Crown Asset Management LLC, including unverifiable documentation and incorrect names. 
XX/XX/XXXX : XXXX XXXX  failed to respond to the identity theft reports and continues reporting the fraudulent account to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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