vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, 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: MD

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 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 2023-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
This is regarding complaint number XXXX This issue is still not resolved. I got a email from Affirm. It says : Your loan has been charged off XXXX, Your loan XXXX has been charged off because you've had an overdue payment of {$390.00} for 120 or more days. 
We will no longer contact you and your loan may be referred to a third-party collection agency. 
You are still responsible for your overdue balance, which can be more than your overdue payment. Sign in to your account to see more details. 
If you've already made a payment, please ignore this message. Thanks for using Affirm! 
If you have any questions, you may call us at ( XXXX ) XXXX. 



Loan ID : XXXX If you need help, visit our Help Center. 
You are receiving this email because you conducted a transaction with Affirm. Visit us at affirm.com to view our Terms of Service or our Privacy Policy. 



I do not owe this debt at all. On XX/XX/2023 I returned the equipment back to XXXX and XXXX XXXX siad that they got the equipment back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, 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:
On XX/XX/2023 I sent letters to all three credit bureaus asking them to verify the debts on my credit report. I received a response only from TransUnion LLC on XX/XX/23. TransUnion removed three accounts from my report due to inaccuracies. There are also two other accounts which still show inaccuracies. In accordance with the Fair Credit Reporting act, these Accounts has violated my rights. 

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 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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XX/XX/2023 Bureaus were notified. 
Navy Federal Account Number:XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number:XXXX I was in the process of obtaining a copy of my credit report, once it was received, I came across accounts that wasn't recognizable. I'm requesting a removal of this account based upon the CFPB/FCRA act. These accounts were sent to all agencies that hold these accounts. I requested removal for all to be removed, due to inaccurate reporting. The balances from each credit bureaus should report the same amount, and none of them match.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XX/XX/2023 Bureaus were notified. 
Navy Federal Account Number:XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number:XXXX I was in the process of obtaining a copy of my credit report, once it was received, I came across accounts that wasn't recognizable. I'm requesting a removal of this account based upon the CFPB/FCRA act. These accounts were sent to all agencies that hold these accounts. I requested removal for all to be removed, due to inaccurate reporting. The balances from each credit bureaus should report the same amount, and none of them match.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I disputed this information and asked for debt validation and verification and do not receive it from credit collection services. Not my account I do no owe this debt. This information is listed falsely and inaccurately across the credit agencies. This is inaccurate incomplete inconsistently wrongfully not truthful not while not complete please remove from My report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
in XXXX of this year, 2023, 4 fraudulent charges were made over a 7 day period against my credit card by the same unauthorized individual, XXXX XXXX, and shipped to his address in XXXX, TX. I live in XXXX, TX. I do not know XXXX XXXX, never shared my credit card information with him, nor in anyway authorized the credit card company, Marcus : by Goldman Sachs, to allow XXXX XXXX to make any charges against my account. 

Of these 4 charges, the first seller ( XXXX XXXX XXXX ) recognized the charge as fraudulent and returned the funds to my credit card. The second purchase made against my account with XXXX XXXX was acknowledged as a fraudulent charge by Marcus : by Goldman Sachs after we filed a dispute with the credit card company and they refunded the charge to my account. 

Eight months later the remaining 2 charges made against my account to seller, XXXX XXXX, made by the same Unauthorized User, XXXX XXXX and shipped to his address in XXXX, TX have not yet been recognized as fraudulent charges and we are still being held accountable for the payments.This is totally unreasonable considering the facts that XXXX XXXX XXXX XXXX  immediately recognized the charge by XXXX XXXX as fraudulent and refunded our funds and that Marcus : by Goldman Sachs also acknowledged the second charge with seller, XXXX XXXX was fraudulent and refunded our account but refuse to acknowledge the remaining 2 charges to XXXX XXXX made by XXXX XXXX and shipped to XXXX, TX are not fraudulent. 

Marcus : by Goldman Sachs original investigation appear to be inept, had errors, and did not include some pertinent information. We contacted the seller, XXXX XXXX, and obtain copies of the original sales orders and proof of shipping. These documents indicated that XXXX XXXX was the purchaser of the items in question and that the items were shipped to his address in XXXX, TX. These documents were provided to Marcus : by Goldman Sachs. 

Our complaint is that as of XX/XX/2023 we have not received an answer for why they are holding us responsible for the remaining two charges made by XXXX XXXX while the other 2 charges WERE determined as fraudulent. My second question is what right Marcus : by Goldman Sachs decided to allow an Unauthorized individual who had no connection with my credit card to make charges against my credit card and ship the resulting products to an alternate address that also had no association with any of my credit card information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My XXXX year-old mother passed away last year and had a fiduciary/insurance agent supposedly taking care of her finances. As it turns out, he stole over {$750000.00} by using her bank accounts to pay off his own loans, debts, mortgage, car payments, utility bills, family trips, eating out, and just about everything that he could. He was making transfers into other accounts that were over {$10000.00}. He charged just under {$50000.00} through XXXX ( which my mom didn't even know was a company ). He brought his house out of foreclosure and sold it less than two weeks after she died. He then moved out of state ( without telling anyone ) to XXXX, TN. 
The banking records were received under subpoena as the man, XXXX XXXX ( DOB : XX/XX/83 ), who was also appointed as the executor to her will, stopped responding to requests made by the beneficiaries as well as the attorney that he hired from the law firm that wrote my mother 's will. She had accounts at : XXXX XXXX and BMO/Harris. He also " sold '' her an annuity ( that cost {$250000.00} ) through XXXX XXXX. The annuity did not list a death benefit ( although it was specified in her will ). 
The banks appeared to have done NOTHING to protect my mother who was a vulnerable adult from the financial exploitation ( along with countless crimes- state and federal ) that XXXX XXXX perpetrated on her.

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 2023-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXX XXXX XXXX XXXX, and it need 's to be deleted/removed from my credit report. I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XX/XX/2022-XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND XXXX. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 


Collection Account : XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, 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:
Doing to the fact of ongoing disputes to these companies I am seeking compensation of {$2000.00} for each company due to the violations of my rights which their violated 15 USC 1681 A, and violation of 15 USC 1681 B2 I am seeking documentation in regards of my consent to these companies they are furnishing my credit report without written consent from me they should remove every inquiry off my credit report without documentation of my consent, it states in 15 USC 1681 B2 they have to have written consent from me to furnish my credit report and I didn't give no consent to none of them 15 USC 1681A, accuracy My credit report is not accurate at all due to these companies that do not have my consent to furnish my credit report, this is not my first time disputing this I believe that they aren't not doing the investigation like they should they are not reading the codes they are just verifying the debt which I am not trying to verify the debt I am disputing the accuracy that is on my credit report and the consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
attached is the CERTIFIED MAIL FROM USPS XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX Account:XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX Open options Account # XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXX Open options Account # XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXXThese accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To provide some background, I discovered that an address I have never resided at or had any association with is listed on my credit report. Upon further investigation, I found that this erroneous address was added to my credit report by a creditor. They claimed to have received notice of the address change from the post office, although I did not authorize or initiate any such change. 

Realizing the potential consequences and negative impact of an incorrect address on my credit report, I immediately contacted Experian to dispute this inaccurate information. I provided them with a comprehensive explanation, supported by all relevant documentation, including proof of my actual address history. Unfortunately, Experian has consistently refused to remove the incorrect address from my credit report, despite my continued efforts to rectify this issue. 

This prolonged ordeal has caused significant distress and has had adverse effects on my creditworthiness. I firmly believe that Experian 's refusal to correct this inaccurate information not only infringes upon my rights as a consumer but also undermines their obligation as a credit reporting agency to maintain accurate and reliable credit reports. 

I have made numerous attempts to resolve this matter directly with Experian, engaging in extensive communication and providing them with all necessary documentation to support my claim. However, their response has been consistently dismissive, leaving me with no other recourse but to seek your assistance in obtaining a fair and expedient resolution. 

I kindly request that the Consumer Financial Protection Bureau intervenes on my behalf and ensures that Experian takes immediate action to remove the incorrect address from my credit report. Despite my persistent efforts, Experian has repeatedly failed to address this issue satisfactorily. This situation has left me vulnerable with regards to my financial reputation and opportunities. 

Enclosed with this letter, you will find copies of all relevant correspondence, supporting documents, and evidence that substantiate my claim. I trust that you will conduct a thorough review of this information and take the necessary steps to bring about a just resolution. 

I sincerely appreciate your attention to this matter and your commitment to safeguarding consumer rights. I have full confidence in your ability to advocate for a fair outcome and hold Experian accountable for their failure to address this issue appropriately. 

Thank you for your time and consideration, and I eagerly await a positive resolution to this longstanding dispute.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax XXXX XXXX XXXX # XXXX  Account status charge off Date opened XX/XX/XXXX Date closed XX/XX/XXXX. XXXX Past due {$360.00} XXXX XXXXXXXX XXXX # XXXX Account status charge off Date opened XX/XX/XXXX Past due {$480.00} Ohio department of human services Account status collection Date opened XX/XX/XXXX Past due {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Past {$360.00} XXXX XXXXXXXX XXXX  # XXXX Date open XX/XX/XXXX Past due {$480.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Past due {$350.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Past due {$1200.00} XXXX XXXX XXXXXXXX XXXX # XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$360.00} XXXX XXXXXXXX XXXX  Account status collection Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$480.00} XXXX Account status collection Date opened XX/XX/XXXX Past due {$0.00} ( FCRA ) 15 U.S.C. 1681 and Following ) Creditors or collectors are not allowed to report an accurate information to your credit reports under the Fair credit reporting act. I would like all 3 agencies to remove these accounts off my report as soon as possible. And would like to receive a full report of the investigation from sub parties in original creditors.

Company response to consumer: Closed with non-monetary relief