vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I visited XXXX XXXX XXXX XXXX  on XX/XX/XXXX in XXXX XXXX, TX and purchased a total of XXXX worth of merchandise. While at the register I placed my XXXX XXXX card in the Point of Sale Terminal ( chip inserted ) to complete my purchase. I walked out with a paper receipt and went on my way. Approx XXXX days later I received a 60 day late payment alert from my XXXX XXXX XXXX XXXX which was the first I was made aware of this account. I did NOT receive a Terms of Service, a physical card, or any other information from Comenity Bank or XXXX XXXX to indicate I had been issued some sort of credit card. To this point, I still have not received any of the disclosures or typical information I would expect after a card was opened. 

Once I was aware of the issue ( approximately early XXXX of XXXX ) I opened a case with XXXX and called Comenity bank to dispute this card. I received a response back from Comenity Bank via latter dated XX/XX/XXXX stating they did not have enough information to make a determination and to contact them, and include the account number in any correspondence ( which I still do not have as of this writing. ) Today ( XX/XX/XXXX ) I received a call and a voicemail at XXXX central time on my personal mobile phone from an XXXX NM. Although they left a message they have since placed additional calls today at : XXXX, XXXX, at XXXX and again at XXXX + voicemail, so far today, which I understand is a violation of the FTC Regulation F requirements .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Greetings, it has came to my attention that some inquiries were placed on my credit report without my consent and this violated my consumer rights according to the fair credit reporting.The following inquiries are not authorized by me nor do I have anything to do with them.please kindly remove XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XXXX  XX/XX/ XXXX XXXX XXXX XX/XX/ XXXXXXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXXXXXX XXXX ( finance ) XX/XX/ XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 2023

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 2024-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
XXXX I used PayPal via XXXX to pay {$150.00} for a purchase. Immediately after, I realized it was a fake account/scam. Then the person disappeared. Now I am receiving a collection request from XXXX XXXX XXXX Reference # XXXX, account # XXXX. When a person uses PayPal to pay a third party a question is supposed to come up asking if the payment is for Friends and Family or a transaction for a purchase that includes consumer protection. This question did not come up during my transaction. It automatically defaulted to Friends and Family which offers no consumer protection. This is a gap in the XXXX or PayPal system. I immediately reported this to PayPal and XXXX as well as my financial institution. Monies were moved from my accounts to create a XXXX balance for funding PayPal/XXXX but payment still processed leaving a negative balance in my PayPal account . I have since been blocked from using PayPal since the debt has not been settled. I have screenshots of this transaction and notes from my conversations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 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: CA

Complaint narrative:
As a Federaly proteceted Consumer I ama now opting out of any and all Authorization ( s ) I the consumer may have give you written/Unwritten and Verbal or Non Verbal, Per 15 USC 6802 .

Under USC 522 ( a ) : The consumer doesnt have to furnish any SSN to any Authority other than an official Government Agency .

Under 17 CFR 424 any company that is under the SEC COMMISION or Contracted with is not allowed to to Solicit and ( or ) Commit Language fraud under this Law.

Under 15 USC 1681 Accuracy and fairness under this law has been violated.

Under IRS Publication 4681 any Charge offs are considered Income.

Income is not allowed to be reported upon a Certificate of In debtness under this provision of the Law.

It is illegal to report any and all Transictions or History under the Privacy act of 1974.

Failure to comply will result Civil Liability for any and all Corprations in violations of these laws. USC 1681 ( N ).

All future Authorizations have now been Rescinded immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: NJ

Complaint narrative:
I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft. 
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice.

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 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: American First Finance, Inc.
State: GA

Complaint narrative:
American First finance for the amount of {$890.00} is not my account. I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: GA

Complaint narrative:
i reviewed my consumer reports and noticed that i had several late payments on an account that i was never late for consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with XXXX XXXX. i have never been late on XXXX XXXX XXXX  this account # XXXX and account is paid in full. Please investigate and provide Proof with statements showing that these payments were late. if proof cant be provided i demand that payments be updated to on time as they should be as I was NEVER Late. 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 2024-01-01 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: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received a {$500.00} American Express gift card from my employer as a gift & literally everywhere I try to use it online & in person the card gets declined yet it still has the {$500.00} on it. The only thing American Express doesn't decline is the tiny verification fees of adding the card details to an account/app of course that they leave pending forever & don't get back. So I'm stuck with a {$500.00} American Express Gift card that literally gets declined everywhere & I can't use at all. What makes this even more annoying is that American Express & their Amex Gift cards claim to be usable anywhere with the false advertising yet its literally getting declined everywhere, like how are you going to decline the card that clearly is activated & has plenty of money on it yet theyre only responses are to " check you have sufficient funds ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I filed a claim with Bank of America for charges unauthorized on my XXXX card. They informed me I would have to file 4 separate claims which we did. 1.Claim Number : XXXX {$7000.00} 2.Claim Number : XXXX {$130.00} 3.Claim Number : XXXX {$2000.00} 4.Claim Number : XXXX {$13000.00} Claim listed as ( 1 & 2 ) was approved and the rest was reconsidered. Then ( 3 ) was approved after 20days and ( 4 ) was denied and reconsidered again. Ive submitted a Police Report with XXXX PD for the ( 4 ) because BOA said it would help with the claim. They continue to deny the claim which I do not understand. The claims were filed the same day for the same reason and should all have the same result. Ive filed a complaint with the bank and appealed the decision 2 maybe 3 times. Spoke to supervisor who left notation that the claim needs to be treated as the same for all claims since they were all submitted same day with same cause. Ive submitted documents to support my claim and police report along with copy of my Drivers License. 3 claims have been resolved but the 4th which is the largest is being rejected. This doesnt seem fair. These disputes were for unauthorized charges and they should have all be treated equally. Please help with issue.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Dispute of Collection Account for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2024 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to formally dispute the collection account listed on my credit report under account number [ XXXX, XXXX, XXXX ]. The purpose of this letter is to request validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 



I dispute the validity of this debt and request that you provide the following information : 1. Verification of the debt amount and detailed breakdown of charges.

2. Proof of your legal authority to collect this debt.

3. Documentation establishing the original creditor and the nature of the debt.

4. Any agreements or contracts bearing my signature related to the debt.

Please note that until you provide the requested information, I consider this debt to be disputed. Pursuant to the FDCPA, please cease all collection activities until the verification process is complete.

I expect your prompt attention to this matter and a response within 30 days of receiving this letter. If you are unable to provide the requested information, please remove the collection account from my credit report.

Thank you for your cooperation in resolving this matter promptly. 



Sincerely, XXXX XXXX XXXX XXXX Note : It's advisable to send this letter via certified mail with a return receipt to have proof of delivery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Dispute of Collection Account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear Sir/Madam, I am writing to formally dispute the collection account listed on my credit report under account number [ XXXX, XXXX, XXXX ]. The purpose of this letter is to request validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 



I dispute the validity of this debt and request that you provide the following information : 1. Verification of the debt amount and detailed breakdown of charges.

2. Proof of your legal authority to collect this debt.

3. Documentation establishing the original creditor and the nature of the debt.

4. Any agreements or contracts bearing my signature related to the debt.

Please note that until you provide the requested information, I consider this debt to be disputed. Pursuant to the FDCPA, please cease all collection activities until the verification process is complete.

I expect your prompt attention to this matter and a response within 30 days of receiving this letter. If you are unable to provide the requested information, please remove the collection account from my credit report. 



Thank you for your cooperation in resolving this matter promptly. 



Sincerely, XXXX XXXX XXXX XXXX Note : It's advisable to send this letter via certified mail with a return receipt to have proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2024-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My car company https : //www.regionalacceptance.com contacted me about my loan. The representative violated the FDCPA laws during the call. The representative name XXXX XXXX called me and did not provide any disclosures and nor did he perform verification to ensure he was speaking to the right person. The representative started yelling at me about the status of my account and started demanding payment. At the time of the call XXXX XX/XX/23 I had other people in the car with me who over heard the whole conversation. The representative was rude and very unprofessional. The representative even advised me to give my car back and told me my loan status was unacceptable. He didnt not offer me any options or try to figure out my situation. I advised the representative I had an issue with how he was conducting himself during the call and the representative continued being disrespectful 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 2024-01-01 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: Absolute Resolutions Corp.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patenaude & Felix A Professional Corporation
State: AZ

Complaint narrative:
On XXXX XXXX, 2023 The Law Offices of PATENAUDE & FELIX , A.P.C. communicated with me without my prior DIRECT consent nor the consent of a Court order ; violating the FDCPA ( section 1692c ). The Law Offices of PATENAUDE & FELIX , A.P.C. sent me a notice via US Mail of a settlement offer further stating that I owe an alleged debt ; direct violation of FDCPA ( section 1692b ). Since I never had a prior agreement nor valid contract with PATENAUDE & FELIX, A.P.C., their collective actions of attempting to collect an unverified, non-validated, and alleged debt by an unfair and deceptive means ; this action is in direct violation of the FDCPA ( section 1692f ). The Mailing is missing the required disclaimer per the Domestic Mail Manual codified in 39 USC 3001 & 3005. 
The Law Offices of PATENAUDE & FELIX , A.P.C. have collectively violated my right to privacy and created a false account in my name without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: CO

Complaint narrative:
They closed my checking account for no reason. 
I asked them via email how to settle my balance! 
I suggested that they could settle my balance by ACH transfer or wire transfer! 
They replied by email that they could only send a check to settle my account balance! 
I asked them who would bear the loss if the check you sent was lost or I did not receive the check they sent. 
They didn't respond to my questions! 
Now I have not received the balance they should have settled for me, they closed my account and emptied my balance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Revenue Systems, Inc.
State: SC

Complaint narrative:
I went to doctor on XXXX XXXX and before I went my husband called and spoke to XXXX  in ref to me going just to take a XXXX XXXX  and they said it was free of charge and now I have a bill really!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Ive been trying to get the XXXX date corrected for a long time. And Equifax has failed to correct the problem. So now that it has been XXXX  years since filing XXXX, i want them to delete it from my report. Because legally they have to.

Company response to consumer: Closed with explanation