vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 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: GA

Complaint narrative:
Has had scheduled payments not processed by creditor, resulting in credit file reflecting late on payments. Payments have been made and account is satisfied.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Well, I got a notice from XXXX XXXX that an account was opened in my name ( XXXX XXXX ) and I went to XXXX XXXX and was told that the account is with XXXX. I went to XXXX to dispute the account and was told to file a police report, I'm just trying to stop the fraudulent account and I just got hit for XXXX points for an account that I didn't opened.

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 2024-01-02 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I did not authorize XXXXXXXX XXXX to run my credit. 
I did not authorize SYNCB/TJX CO DUAL To run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 



1. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( XXXX, XXXX XXXX TransUnion ). Consistency in reporting is essential for accurate credit information. 

2. **Date Reported : ** The date reported varies across the bureaus, with one bureau reporting a significantly later date than the others. This inconsistency might require clarification or correction. 

3. **Account Status : ** While all three accounts are reported as closed, there's a discrepancy in the payment status. One account is reported as " Current, '' one as " Late 90 Days, '' and the other as " Closed or paid account/zero balance. '' Clarification on the accurate payment status is needed. 

4. **Creditor Remarks : ** The remarks provided by the creditors differ across the bureaus. These remarks should accurately reflect the account 's status and might need alignment for consistency.

5. **Credit Limit : ** There's a discrepancy in reporting the credit limit, with one bureau reporting a {$0.00} credit limit. Ensuring consistency in reporting this information across all bureaus is important.

6. **Payment History : ** Different late statuses ( 30, 60, 90 days ) are reported across the bureaus for specific months. Consistency in reporting these late statuses is crucial for accurate credit reporting. 

7. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 



1. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( XXXX, Equifax XXXX XXXX XXXX. Consistency in reporting is essential for accurate credit information. 

2. **Date Reported : ** The date reported varies across the bureaus, with one bureau reporting a significantly later date than the others. This inconsistency might require clarification or correction. 

3. **Account Status : ** While all three accounts are reported as closed, there's a discrepancy in the payment status. One account is reported as " Current, '' one as " Late 90 Days, '' and the other as " Closed or paid account/zero balance. '' Clarification on the accurate payment status is needed.

4. **Creditor Remarks : ** The remarks provided by the creditors differ across the bureaus. These remarks should accurately reflect the account 's status and might need alignment for consistency. 

5. **Credit Limit : ** There's a discrepancy in reporting the credit limit, with one bureau reporting a {$0.00} credit limit. Ensuring consistency in reporting this information across all bureaus is important. 

6. **Payment History : ** Different late statuses ( 30, 60, 90 days ) are reported across the bureaus for specific months. Consistency in reporting these late statuses is crucial for accurate credit reporting. 

7. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Please HELP!!!!! 

I am writing to express my deep concern and frustration regarding an ongoing issue with my debit card account, more specifically with my bank WELLS FARGO. Approximately two months ago, I reported two transactions ( {$110.00} each ) made with my debit card in XXXX, XXXX as fraudulent, providing all the necessary details and documentation to support my claim. 

To my dismay, the bank has not recognized these transactions as fraudulent and is still holding me responsible for the unauthorized purchases. This situation is not only distressing but also places me in an unjust position of being accountable for transactions that were clearly made without my authorization. 

I have diligently followed the bank 's procedures, providing evidence and filing the necessary reports promptly. Despite my efforts, the matter remains unresolved. I kindly request a thorough reexamination of the case and a swift resolution to rectify this issue. 

I understand the importance of security measures, but as a loyal customer, it is disheartening to face such challenges when reporting fraudulent activities promptly. I believe in the integrity of your institution and trust that you will address this matter with the urgency it deserves. 

I appreciate your immediate attention to this matter and look forward to a prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: AR

Complaint narrative:
received mail with PIN numbers about accounts opened with us bank checking, savings and money market and checks have already been written and deposits already in accounts

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 2024-01-02 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: NY

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 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 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a credit card with Capital one. I had a problem paying my bill due to our business almost closing and my account due to our accounts being hacked. I have had to switch my bank so I can make proper payments which I made minimum payments on XX/XX/XXXX. My credit card has this restriction. I am submitting this claim because I have been a loyal capital one customer since XXXX. I need this restriction lifted so I can have access to my credit when I make payments and not to have my credit destroyed.With this say. My account as obviously hacked. I filed a police report and need assistance. This is going to damage my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Someone tried to apply for a credit card on XX/XX/XXXX to capital one and something else called XXXX? XXXX on XXXX the XXXX both in 2022. It wasn't me that did any of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Pre abritration XXXX XXXX Regarding CFPB Case XXXX XXXX XXXXXXXX Reference Numbers : XXXX, XXXX, XXXX, XXXX. 
Hope this letter finds you well, Thank you for response. I am writing this letter to LVNV Funding LLC ( LVNV ) who currently owns the XXXX accounts XXXX, XXXX, XXXX, XXXX, XXXX was referenced in the inquiry. XXXX out of XXXX accounts were updated and deleted. Account XXXX was not addressed the account needs to be deleted. I also would like to thank you for investigating my fraud claim for identity theft is a serious concern. 


LVNV FUNDING LLC has also failed to arbitrate, and claims were brought in courts regarding Accounts XXXX and XXXX, which encountered a Summons and Complaint in XXXX XXXX XXXX XXXX While XXXX number XXXX was dismissed without pre-justice, based on my claim of your failure to arbitrate, Case number XXXX is still ongoing. These claims should have never been bought against me, this failure to arbitrate not only breaches contractual arrangements but also violates relevant federal law under 9 U.S. Code, Section 4. The situation has resulted in severe XXXX XXXX XXXX XXXX and a substantial XXXX toll. Both court cases were initiated against me in XXXX, impacting my XXXX XXXX birthday and the XXXX season. This is harassment according to FDCPA 15 US code 1692d. All accounts are in violation. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NJ

Complaint narrative:
ISNT MINE DELETE PLEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: NJ

Complaint narrative:
ISNT MINE DELETE PLEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE INFORMATION IS INCORRECT 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 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made the payment on time and I am getting changed for late frees

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a credit alert on my credit notifying me XX/XX/. I logged in to all three credit bureaus and saw that Capital One is reporting a credit card in the amount of {$19000.00} on XX/XX/XXXX  on my credit report. I got Capital One 's contact number and called them to let them know I never gave them at capital one company permission to report a credit card on my personal credit. They never had my permission to do so. They said i can make a complaint. I told them to remove it from my personal credit immediately and get it removed from all three credit bureaus ( XXXX, XXXX and XXXX ). They told me to call your company CFPB to make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I received about XXXX automated calls from what I thought was affirm on XX/XX/XXXX. It kept asking me to confirm my account and hung up on me. I contacted affirm and they said it was not them calling me. I was locked out of my account when I went to check it on XX/XX/XXXX. So I called affirm. Over the phone they verified all my transactions. At that point they communicated an affirm card was opened XX/XX/XXXX and and a transaction was attached to it. I notified them this was not mine. I was told they would submit the XXXX  charge for investigation and removal. I was able to login today and see Im being charged for this transaction and it is still sitting on my account. I called and the rep told me it would take XXXX days to review but in the mean time I may still be charged. I asked to payoff my other valid transactions and close the account because it is not secure and the rep told me even if I pay the account off I have to wait XXXX days before Im allowed to close my account. I asked why once its paid in full I shouldnt have to wait. He then told me hes following XXXX politics said have a nice day and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received notification from the credit reporting agencies about an inquiry on my credit around XX/XX/XXXX XXXX that credit was denied via JPMCB. I contacted JPMCB on XX/XX/23 at XXXX XXXX and spoke to representative concerning the fact that I never applied for any credit with them. The representative stated that the credit bureau will contact me and to give the hard inquiry 30-60 days to be removed. On XX/XX/2023 at XXXX XXXX I spoke to another JPMCB representative who stated for me to wait another 30 days for the hard inquiry to be removed. On XX/XX/2023 at XXXX XXXX I contacted JPMCB and spoke to representative by the name of XXXX who gave me the following phone number to contact the fraud department ( XXXX ). I contacted that number and spoke with XXXX who transferred me to the Fraud department where I began speaking with XXXX. I explained to XXXX that I did not apply for a credit card through their company and that later in the week while at my dentist office I applied for XXXX XXXX but not JPMCB. She proceeded to look up the information concerning the requested for a credit card but could only locate the information using I believe it was only my name not my SS number. She seemed hesitant and I ask how would they know if it was me because I would like know what type of identification information that they received to state it was me. She could not answer. I told that It was unfair practice for their company to assume that what little information was provided was from me. She stated that she will send request to the credit bureaus to remove the hard inquiry and in the mean time she stated they would send a letter to me as well as she directed me to their website to download their ID kit at chase.com. But the inquiry is still sitting on my report and seeing that someone tried to use what information they had on me and commit identity theft has left my credit report in limbo with something I did not request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: NY

Complaint narrative:
I asked Experian to investigate the XXXX account with XXXX XXXX and provide a copy of a contract that I agreed to do business personally with them but they have failed XXXX to provide such information. 
They have not responded provided any details of their investigation and they just update the credit information. 
This is causing me tremendous harm as I am not able to get a XXXX loan which is much needed at this time.

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 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company:  Lippman Recupero, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX of LIPPMAN RECUPERO , LLC, an XXXX XXXX with ID # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX by way of approved actions by himself and/or his employees, contacted me using US mail . The solicitation was missing the required disclaimer per the Domestic Mail Manuel codified in 39 USC 3001 & 3005. The solicitation came without my prior direct consent nor authorized by court order ; further violating the FDCPA [ 15 usc 1692c ]. The solicitation made claims that I owed them an alleged debt ; violation of FDCPA [ 15 USC 1692b ]. These are means of unfair practices to attempt to collect an alleged debt as we have no valid contract/agreement. My privacy rights have been violated. The creation of an account in my name without my prior approval nor consent constitutes identity theft and prima facia evidence of conspiring to violate the Gramm-Leach Bliley Act. This type of action of creating false belief in me that I am indebted to LIPPMAN RECUPERO , LLC is also addressed in Presidential Executive Order 13903 XXXX XXXX. Pursuant to www.state.gov website, U.S. & International Law describe this compelled service using a number of different terms, including INVOLUNTARY SERVITUDE, DEBT BONDAGE, or FORCED labor. XXXX XXXX can include, BUT DOES NOT REQUIRE, movement. XXXX profit at the expense of their victims by compelling them to perform labor. XXXX XXXX XXXX on behalf of LIPPMAN RECUPERO , LLC has acted in Bad Faith with Unclean Hands in hopes of unjust enrichment by my demise. On XX/XX/2023 I spoke with XXXX, which he confirmed that LR, LLC has my Full SSN & DOB. He asked if I wanted to make payment arrangements, I told him no, I will be suing. I asked him to place a Cease & Desist on my account, he replied by stating He has placed a DO NOT CALL on the file. I filed an FTC complaint addressing the identify theft being committed by XXXX XXXX XXXX firm creating an account in their books without my consent nor by way of a valid agreement between us as well as addressing them having my information ; being my FULL social security number, Date of Birth, Address and if LIPPMAN RECUPERO , LLC has my bank statements, my shopping habits, location of where I shop, etc; which is ALL nonpublic personal information according to the Gramm-Leach Bliley Act. LIPPMAN RECUPERO , LLC knowingly participated and conspired to fraudulently collect on my extension of credit ; this is a violation under Title 18 894.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: GA

Complaint narrative:
Hello there was a fraudulent opened discover credit card in my name without my permission. I did not authorize this account to be opened in my name. I have contacted discover several times to close this account and remove this debt and account from my credit report discover have refused to help. I have sent discover multiple police reports, identity theft reports. I have several letters from discover stating I owe a XXXX balance and the account would be removed from credit report and they still have not removed.

Company response to consumer: Closed with explanation