vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has allowed the continuous lifting of my freeze and fraud alert without my approval allowing the hackers to change my information. They then proceed to apply for credit cards, etc.. Attempts to have TransUnion prevent this since XXXX  have been in vain. Every time I contact them they give me a file number and say someone is going to contact me and they never do. I don't know what else to do to prevent the hackers from lifting my freeze and fraud alert with TransUnion.

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 2024-07-11 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have XXXX hard inquiries that I have no idea what they were. I bought a car at XXXX and that's the only one that makes sense. After that there was XXXX more inquiries AFTER already purchasing a car. Please help I did NOT do this or authorize this. I will attach a screenshot

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have XXXX hard inquiries that I have no idea what they were. I bought a car at XXXX and that's the only one that makes sense. After that there was XXXX more inquiries AFTER already purchasing a car. Please help I did NOT do this or authorize this. I will attach a screenshot

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I received a {$250.00} AMEX eGiftcard from a friend on XX/XX/year>. I have tried to use the card on multiple websites such as XXXX, XXXX, XXXX, etc. It gets declined every single time but the balance check shows {$250.00}. Amex is no help and says that it should work. A quick search online and many many people have this issue and have not found a way to get their money off of the prepaid card except for by submitting a claim through this portal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA XXXX05B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
EXPERIAN KEEPS LISTING CO ON MY CREDIT REPORT A CHARGE-OFF IS A MAJOR DELINQUENCY. A CLOSED ACCOUNT PAYMENT STATUS CAN NOT REMAIN IN LATE STATUS. THATS EQUIVALENT TO REPORTING AS 'CLOSED/60 DAYS LATE'.IF ITS CLOSED, THEN THE PAYMENT STATUS CAN NOT BE 60 DAYS LATE OR ANY OTHER FORM OF DELINQUENCY. NO PAYMENTS ARE DUE ON A CLOSED ACCOUNT. 

THE ACCOUNT IS THE ONLY INFORMATION THAT SHOULD BE REPORTING AS A CHARGE- OFF NOT THE PAYMENT STATUS WHICH IS A SEPARATE FIELD ON THE CREDIT REPORT. 

Experian glossary of account conditions and payment status does not list anything in the payment status for CO month after month the account must cls out. 

The payment status is inaccurate the account can not remain in charge-off status month after month, the account can only charge-off one time in the payment status then the account must report cls in the payment status on a closed account by the grantor. 

The account was closed by the grantor and should not have any current updates in the payment status the account has been closed since XX/XX/year> 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 2024-07-11 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent account number XXXX violated my rights. XXXX5 U.S.C. 1681 section 602 A. States that I have a 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. This company has not validate any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a 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. This company has not validate any debt.

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 2024-07-11 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-11 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-11 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: TN

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner. I sent a letter XX/XX/year> informing them that the accounts are not mine. I received a system generated letter. I sent another letter XX/XX/XXXX and received another system generated stating that they do not believe it is me sending the letters. I have attached all personal information in letter to assure that I was the person sending the letter.

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 2024-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I can not recieve financial history statement regardless of how many time I request it. I have called XXXX since XX/XX/XXXX. 4 of those calls have been made in 1 day alone. I have double checked each time that my address is correct ( each time it is correct ) - yet I never received the financial statement. There is no way to escalate the issue. I get put in the supervisors voicemail box - no way to know when they will call back. Miss the call and start all over with customer service. The more I call to escalate the issue the more I am put on wait time to speak to a supervisor, waiting over hours and never getting one. I do not have 9+ hours to wait on hold because I work full time. I ultimately have to hang up - no resolution. Then I call back and go back into the supervisor mail box and repeat the cycle. None of the front line customer service reps know anything. They gas light me saying " you never requested the financial history '' or they throw their peers under the bus saying " I'm going to submit this the RIGHT way '' ( as if no one else has ). Well 4 requests for financial history 2 months later and none have been received. I need this financial history for my employer to reimburse me for the payments to the loan. I am now without {$10000.00} in reimbursement because MOHELA can not get me my financial history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Co LLC
State: MO

Complaint narrative:
I did a consumer credit transaction with XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX. My account was placed in collections and subsequently charged off, although I do not have the exact date of the charge-off. Despite this, I did not receive a Form 1099-C for my tax records. On XX/XX/XXXX, my account was transferred to collections, and on XX/XX/XXXX, I discovered that my account was updated by Debt Co Collections for an amount of {$340.00}. I am uncertain how this debt collector obtained my information, but I suspect it was purchased following the charge-off. This situation has caused a breach of contract in my consumer credit report and has resulted in various damages and injuries, including : XXXX. XXXX  - Due to being denied shelter while searching for accommodation. 
XXXX. XXXX XXXX- Damage to my reputation and resulting XXXX XXXX. 
XXXX. Personal Injury - Harassment from debt collectors has caused significant personal injury aswell deceptive practices that violate the FDCPA.

I request an immediate investigation into this matter to resolve these issues. Specifically, I ask that you : 1. Provide documentation and evidence of the original transaction and subsequent charge-off.

2. Clarify the lack of a Form 1099-C.

3. Investigate how Debt Co Collections obtained my personal information.

4. Rectify any inaccuracies or breaches in my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made multiple efforts to resolve the issue of false, incorrect, and misleading data on my consumer report, but the problem persists. These entries have severely affected my life, causing considerable distress. I emphasize that I never authorized this information to be linked to my name, as I have been a victim of identity theft.

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 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
DEAR COMENITY CAPITAL BANK XXXX XXXX ; CFPB ; I am writing to address a matter concerning an alleged debt of {$1000.00}, which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity.

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations.

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt.

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter. 
Legal basis for your collection of information. 
Legal basis for your collection of this alleged debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including any contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
I called to get things straightened out for now the 3rd time with these people and this time around I couldnt get anyone to speak to me that had any info. The one time I was able to get someone to answer my call I was told that they would pass my message along about me disputing the case. I was told that I would get a call back when ever the person that had more info was back in the office. I never received any call nor anything in the mail. I called countless times and never was able to get anywhere with things. 

I am working on moving into an apartment but even though 2 of the 3 credit bureaus have removed this from my credit, XXXX still has not removed it and its now become a burden. The court case was DISMISSED meaning that I followed my end of the agreement, and part of the agreement was that I wouldnt owe if I moved out. I did exactly that. Nothing was ever filed saying otherwise. The one time that something was attempted to be filed the court ruled moot since we already had a signed stipulated agreement that I had complied with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Advance America, Cash Advance Centers, Inc.
State: MO

Complaint narrative:
I had a loan through Advance America prior to XXXX. In XXXX, the debt was included in my Chapter XXXX bankruptcy. They continue to sell by debt to other collections companies. The most recent one that calls is XXXX XXXX. I have explained multiple times to multiple agents that this has been XXXX but they continue to harass me. They called twice today and XXXX other times in the last week. This is in direct violation of the law. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: WI

Complaint narrative:
I am a victim of identity theft.TRANSUNION has added accounts to my credit report without a permissible purpose and without conducting a proper investigation to ensure that the information they were receiving was in fact accurate. Their failure to follow the rules created for them by congress under the fair credit reporting act has ruined my reputation, cost me actual damages and financial hardship! This is unfair!!! TRANSUNION has failed to honor my right to privacy by allowing access to my credit report without a permissible purpose.

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 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: IA

Complaint narrative:
Garnishment on a savings account that has Social Security funds in it to pay property taxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
According to the IRS an unpaid charge off Is Income and according to the FCRA Income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. SOFI XXXX CORP LLC, SOFIBANK, SOFIBANK N.A. Acct # XXXX and XXXX ( this is the same account with 2 different account numbers )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2024-07-11 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have recently become the victim of identity theft. I have checked my CRAs and found these accounts and disputed them as fraud. I was told by the CRAs that these companies verified these accounts as accurate. I submitted all the appropriate documentation that was requested by the CRAs. These accounts are the result of identity theft and do not belong to me.

Company response to consumer: Closed with non-monetary relief