vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
I applied for the discover card XX/XX/XXXX got call from company female asking for further info she told me that I was approved XX/XX/XXXX yet? when I tried to Activate the card that had arrived on the XX/XX/XXXX I could'nt so I waited tell I could call back on a business day which was XX/XX/2023. I was shifted to three different departments only to be told some one call and deemed my info fraudulent there for cancelling my account when I tried to reapply. they claimed that they had know knowledge of my account? though I was issued a card that I can verify with the Accounts numbers. I feel that I was done terribly wrong!. This is my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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:
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 2023-02-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX XXXXXXXX Account XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
Fortiva authorized a fraudulent credit card at XXXX XXXX XXXX in XXXX in my name in late XXXX. I learned of this and reported it to Fortiva early in XXXX. 

I filed an affidavit of FRAUD in XXXX of XXXX. Fortiva sent an acknowledgement by email on XX/XX/XXXX, that I had reported the account in my name at Fortiva as fraudulent. 

In XX/XX/XXXX, despite my reporting this fraud, Fortiva reported my account as delincuent to credit agencies. They continued to make monthly derogatory reports on my account until XX/XX/XXXX. 

Fortiva sold this account to XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, well after my written and verbal reports and Fortiva 's acknowledgement of the fraud. XXXX 's attorneys, XXXX XXXX XXXX, XXXX XXXX, called me in XX/XX/XXXX. I explained to XXXX XXXX that the account was fraudulent. And XXXX XXXX confirmed that his firm reported the account as fraud and returned the case to XXXX. XXXX has not reported the account as delinquent on my credit. However, FORTIVA 's negative reports to credit agencies from XXXX through XX/XX/XXXX have not been removed. 

This account continues to be reported on my credit report, and is causing serious damage to my credit. My credit score has dropped XXXX points, limiting my ability to obtain a mortgage on a home under contract. 

We have been calling Fortiva, XXXX and XXXX XXXX XXXX for several weeks to remove this report of fraud & they refuse to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I AM WRITING IN RESPONSE TO CCFPB COMPLIANT NUMBRT XXXX. I PREVIOUSLY REQUESTED THE FOLOWING AS OUTLINED BELOW CONTACTED GENESIS /INDIGO CREDIT CARD FOR THE PURPOSE OF OBTAINING AL OF MY CREDIT CARD STATEMENTS PRIOR TO XX/XX/XXXX. IN A PREVIOUS COMPLAINT SENT BY MY SPOUSE REGARDING THE HOA FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX, SHE ATTACHED A SPREADSHEET WHICH LISTED ALL OF THE HOA PAYMENTS AND THE SUPPORTING DOCUMENTATION. DUE TO OUR CONSISTENT REPORTING DUE TO MORTGAGE FRAUD WE WERE MISSING STATEMENTS WHICH REFLECTED A COUPLE OF PAYMENTS TO THE HOA WHICH WERE PAID BY GENESIS/INDIGO CC. WE NEVER RECEIVED COPIES OF THESE STATEMENTS. WHEN WE SPOKE WITH THE COMPANY THERE APPEARED TO BE A LEVEL OF RESISTANCE REGARDING THE RELEASE OF THE STATEMENTS. I FIRMLY BELIEVE SOMEONE HAS INTERCEPTED THIS REQUEST. MY CC NUMBER CHANGED. GENESIS ISSUED A NEW CARD TO ME WITH A DIFFERENT NUMBER. THE MISSING STATEMENTS ARE UNDER ACCOUNT NUMBER XXXX XXXX XXXX XXXX. THE COMPANY WAS MAILING THE STATEMENTS TO THE WRONG CITY AND ZIP CODE. THIS IS RELATED TO THE COMPLAINT AGAINST XXXXXXXX XXXX XXXXXXXX XXXX. MY NEW CC NUMBER IS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. WE ARE REQUESTNG ALL REQUESTED STATEMENTS ( PRIOR TO XX/XX/XXXX ) BE MAILED TO MY PHYSICAL ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AGAIN THIS WAS FOR ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX WE KNOW WHY WE NEVER RECEIVED REQUESTED STATEMENTS. THIS LAWFIRM REALLY NEEDS TO STOP!! 

ON XXXX XXXX XXXX I RECEIVED A LETTER FROM GENEISIS CARD SERVICE WHICH WAS OPEN, IT ONLY HAD THE FACE LETTER IN THE ENVELOPE. THE ENVELOPE WAS OPEN AND NO OTHER DOCUMENTS WERE PRESENT,. 

THIS IS DIFFERENTLY ANOTHER SIGN AS IT RELATES THE XXXX XXXX XXXX XXXX. XXXX GA XXXX, IS BEING SABOTAGED AND THE HOA /ATTORNEY IS INTERSECTING AND OPENING OUR MAIL TO TAKE OUT THE EVIDENCE WHICH WOULD PROHIBIT THEM FROM A NON-JUDICIAL FORCLOSURE. SEE BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

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 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have 2 credit cards that were charged off back in XXXX of 2018 IL Law states after 5 years of charge off it must be removed from credit report. Each report reflects one card and another card on other but both should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX recently reported as of XX/XX/XXXX in experian and XXXX as late and delinquent payments when the account was closed previously I have been trying to get this account removed over 5 years these people are mos reporting info they I have since reported to the bureaus and they were supposed to close and remove account. this account was also reported XXXX as well. Also look into XXXX collections as well they were recently reported as of this month XXXX this is XXXX XXXX also reported this XXXX was under a previous creditor they sold the debt and re reported this debt which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX recently reported as of XX/XX/XXXX in experian and XXXX as late and delinquent payments when the account was closed previously I have been trying to get this account removed over 5 years these people are mos reporting info they I have since reported to the bureaus and they were supposed to close and remove account. this account was also reported XXXX as well. Also look into XXXX collections as well they were recently reported as of this month XXXX this is XXXX XXXX also reported this XXXX was under a previous creditor they sold the debt and re reported this debt which is illegal.

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 2023-02-21 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: FL

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 : XXXXXXXX XXXX XXXX Account number : # # # # # 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 explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: PR

Complaint narrative:
On XX/XX/2022, I received a suspicious activity email from the credit card company and replied that I didn't recognize the charges and didn't authorize them. As the XXXX XXXX credit card statement shows on XX/XX/2022, two charges were made on my card. The first one was for {$220.00} and the second one for {$450.00}. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022, I filed three different challenges on the charges. The company removed the charges temporarily and immediately charge them again. They keep charging me and making threats to report the credit companies. Every time I try to contact the company no one seems to know about the issue. The company has removed the option from the online banking app to file a challenge to the charges. 

A few weeks ago, I filed a complaint with CFPB and the company responded by telling them that I didn't responded to the information they requested, also they claim their records showed that I had the card with me which is protected by a chip that prevents cloning. 

That information is not correct, first the charges were made on a store in the country of XXXX and second the minute I receive the alert I requested a new credit card since I dint have it or used it in years, it had no balance.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
i have recently got my credit report and notice some inquires that i do not recall, and there are errors in multiple accounts, i would like these inquires removed asap, i have certified mailed all the documents and my credit reports to transunion XXXX and exsperian,

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 2023-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
I tried to trade my car in not being informed the worth of the car until I started looking at something new. My car value is {$2000.00} and they want me to pay {$22000.00} with {$820.00} a month on this car. I only had the car for two months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Yes XXXX credit XXXX credit report agency an experien credit card allowing other country to handle American personal information from they home how identity thefts come in at violating federal consumer protection allowing someone u can't see or handle your personal information using or personal information or even possible writing writing it down that's something half to be stop with these credit report agency an not updated or credit report scores illegally false information an violation not right not updated or credit score my credit is in good standard conditions how am I'm keep getting denied credit cards an loan 's how my identity got stolen allowing company to uptain or credit information I requested they company stop using home base system to uptain consumer personal information protect cyber security something need to be did about these companies doing united state citizens hire real company employees not other countries how stealing or personal information people you don't know have you're personal information u never know an XXXX  XXXX keep allowing it due to incorrect information on my credit report they need to fix this false information on my report

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 2023-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: TX

Complaint narrative:
In XXXX I received a letter from a debt collector indicating I owed money. After requesting information about the specific loan and creditor, I learned the loan was from XXXX XXXX XXXX, XXXX from 2021 in the amount of {$300.00} with interest accrued in the amount of {$310.00}. The paperwork listed my name under borrower signature ( though it is simply typed and not an actual signature ). The phone number associated with the account is not mine ( as I have had the same number for nearly 27 years ) and once I attempted to call it, learned it was out of service. There are no documents included showing my actual signature or any form of identification showing I was indeed the actual borrower ( no proof of DOB, Drivers License Number, address, or any other specific identifying information ) My credit report does not include an inquiry from this company nor does it show any outstanding balance. I've already contacted the debt collection agency disputing the debt and have a filed a complain with XXXX  as XXXXXXXX XXXX XXXXXXXX failed to show any due diligence in confirming the borrower was who they said they were. Furthermore, I never received any communication from XXXXXXXX XXXX XXXXXXXX in the course of the 15 months the loan was supposedly open and in default status. If I had to guess it would be because the contact information they were given at the time the loan was opened was fraudulent. It wasn't until it was sent to a debt collection agency that I learned of the loan. XXXX XXXX XXXX will need to seek out the actual borrower and cease communication with me including through debt collectors. I'm not paying a debt I didn't incur and want to know what documents XXXXXXXX XXXX XXXXXXXX actually requested prior to lending {$300.00} to someone who claimed to be me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: DC

Complaint narrative:
On XX/XX/2023 I made an electronic payment of {$2000.00} via my XXXX app to First National Bank of Omaha which is the bank for the XXXX XXXX Credit Card. 
XXXX documents show the payment cleared on XX/XX/2023, the day before payment was due. 
The amount was deducted from my account. I have documentation from XXXX that the money is gone. 
On my account, the payee was labeled XXXX  XXXX XXXX, because that was the previous bank that managed the credit card. However, the payee address was correct for FNBO. 


On XX/XX/2023, I learned FNBO never received said payment and despite my submitting documentation from XXXX showing the money did go through and they are the payee, FNBO refuses to credit this amount to my account. 

Even if the payment somehow went to XXXX  XXXX XXXX, it should have been returned. I also tried calling XXXX  XXXX XXXX but I can't get through on the customer service line because I no longer have an account there.

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 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Date XXXX fraudulent loan take. Out at XXXX XXXX  date reported to credit company Now it is with Jefferson capital collection agency for over {$3000.00}. I have fought this and disputed this for years. In XXXX  I was a victim of identity theft while I was XXXX in XXXX.

Company response to consumer: Closed with explanation