vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: OH

Complaint narrative:
While looking into a recent identity theft issue I noticed a Discover account with roughly {$4000.00} in debt, I have never owned or opened any account or had service from Discover whatsoever, this debt is not mine and it has stopped me from getting a credit card from anyone or any type of of financial support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I pulled a copy of my credit report and noticed a fraudulent account. STATE EMPLOYEES CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft happened. Remove account. The FTC said I had the right to dispute this account. I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. I REPORTED IDENTITY THEFT AND FILED A POLICE REPORT YEARS AGO REGARDING THIS MATTER AND IT IS STILL HURTING MY CREDIT. I DID NOT OPEN THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
I have not been able to reach anyone at this company and I have never had any type of account with them, XXXX XXXX XXXX XXXX XXXX XXXX FORTIVA Credit Card I ahve never done business with any of these companies Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to formally contest a charge of {$1900.00}, along with associated late and financing fees, made to my credit card between XX/XX/XXXX and XX/XX/year>. These charges stem from unauthorized use after my belongings were stolen during a robbery in XXXX XXXX, resulting in hospitalization and the misuse of my digital financial accounts via facial recognition and XXXX XXXX. Upon my return to XXXX XXXX, I took immediate steps to secure my accounts and replace my stolen items, including extensive coordination with XXXX and my banks. 

I request the reversal of all erroneous charges and fees, the correction of my credit reports, and the provision of an updated statement. Enclosed are supporting documents from various banks and credit companies, which have recognized the theft and refunded the fraudulent charges. I urge Discover to resolve these discrepancies as my financial and health situation continues to suffer. I have informed the Consumer Financial Protection Bureau of this matter and look forward to your prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: AZ

Complaint narrative:
I have paid this account In full and they wont update the balance with Experian. They already have with XXXX. I need this updated or removed from 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 2024-07-03 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: NJ

Complaint narrative:
The XXXX XXXX XXXX XXXX, Equifax and XXXX are showing charge-offs on my account. The debt has been charged off by the original creditors which means that the debt has been paid and is considered income. I called numerous times and asked for my account to be updated because according to the IRS XXXX Internal Revenue Service ) Article, a charge-off is considered a certificate of indebtedness which means it is treated as income and income can't be reported on a consumer report and has to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NJ

Complaint narrative:
The Credit Reporting Agencies XXXX, XXXX and Experian are showing charge-offs on my account. The debt has been charged off by the original creditors which means that the debt has been paid and is considered income. I called numerous times and asked for my account to be updated because according to the IRS XXXX Internal Revenue Service ) Article, a charge-off is considered a certificate of indebtedness which means it is treated as income and income can't be reported on a consumer report and has to be removed off 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 explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo has been mailing me mediation request forms pertaining to unauthorized accounts opened in my name including account ending in XXXX, a checking account, as well as account ending in XXXX, a Jewelry Account. I've filled out a total of XXXX or more of these forms, sent in, acknowledgement letters received. When I call number on letter, XXXX, I am told all efforts exhausted and or am hung up on. I can assure the CFPB, there were no such efforts made with regard to accounts mentioned above, I've requested a manager call back, in which case, I am either told managers are in a meeting or told they do not accept calls. I believe any efforts referred to might be from a prior mediation in XXXX, which refers to prior deposit accounts opened in my name, also unauthorized. I was offered a payment amount of {$3700.00} by XXXX XXXX, payment never received, reported to IRS, in which case, I am liable to taxes on funds not received.

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 2024-07-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute the information regarding a late payment on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a response indicating that the late payment was verified, but I have not received any written proof of this verification as requested, nor was I informed of the method used for verification. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to a reinvestigation of my dispute, and I request that you provide me with the following : 1. **Written Proof of Verification** : Please provide copies of the documentation that was used to verify the late payment information.

2. **Method of Verification** : Please describe the method used to verify the disputed information and provide the contact information for the entity that verified the information. 

Without proper documentation and explanation, the disputed late payment can not be considered verified under the FCRA. Please either provide the requested documentation and details of the verification method within 30 days, or remove the late payment from my credit report. 

If this issue is not resolved to my satisfaction, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action to enforce my rights under the FCRA. 

Please confirm receipt of this letter and provide a timely response. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-07-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NE

Complaint narrative:
It has been 30 days from the time of my complaint number XXXX and I have not received any written communication from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
A few years ago a huge amount of medical debt from Wakefield and Associates showed up on my credit report, I believe it was originally XXXX dollars. The itemized receipt showed it was charges from XXXX XXXX  XXXX XXXX in XXXX XXXX Florida. I have never received medical anesthesia nor have a been to Florida for any medical appointments. I contacted the office of XXXXXXXX XXXX XXXXXXXX XXXX and asked them to send me records of my debt, they quickly hung up the phone and did not respond to my request. This is a fradulent charge likely the result of identity theft and I would like to have it finally removed from my credit report after all these years and attempts to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXXXXXX XXXX XXXX XXXX  PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: NC

Complaint narrative:
I pulled a copy of my credit report and noticed a fraudulent account. STATE EMPLOYEES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Identity theft happened. Remove account. The FTC said I had the right to dispute this account. I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. I REPORTED IDENTITY THEFT AND FILED A POLICE REPORT YEARS AGO REGARDING THIS MATTER AND IT IS STILL HURTING MY CREDIT. I DID NOT OPEN THESE ACCOUNTS.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bepensa Capital, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX, I see a lot of inquiries on my XXXX XXXX but I dont recognize and I never authorized, please I want you delete all inquiries please. Thank you so much for your help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: CA

Complaint narrative:
This is in reference to Account XXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing to dispute the accuracy of account XXXX XXXXXXXX on my credit report. Following the completion of your most recent reinvestigation, I am requesting The Method Of Validation used to determine the accuracy and completeness of the information furnished. 
Please provide the following information : 1. A detailed description of the procedure used to determine the accuracy and completeness of the information furnished.

2. The names, work email addresses, and work phone numbers of the individuals involved in validating this debt.

3. The business name and address of the furnisher of this information. 
If Experian is not able to provide the requested information above upon 15 days of their receipt of this dispute, I am requesting that this account be immediately deleted from my credit report. 
I demand that you refrain from using any stall tactics in response to this letter. You are required to respond within 15 days of your receipt of this dispute, I look forward to your response. 
Thank you for your prompt attention to 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 2024-07-03 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: AZ

Complaint narrative:
Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification

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 2024-07-03 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: PA

Complaint narrative:
TO WHOM THIS MAY CONCERN, MY NAME IS XXXX XXXX XXXX XXXX, AND THIS STATEMENT IS GENERATED BY ME. AFTER REVIEWING MY CREDIT REPORTS IT HAS COME TO MY ATTENTION THAT THE ACCOUNTS LISTED IN THIS REPORT SHOULD NOT BE REFLECTED ON MY CREDIT REPORTS. PER THE FEDERAL CREDIT REPORTING ACT ( FCRA ) USC CODE 1681-B AND 15 USC CODE 1681S-2 ( A ) THE ACCOUNTS LISTED VIOLATE MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. PER FCRA GUIDELINES, IT IS NON-PERMISSIBLE FOR A CREDIT TO FURNISH INFORMATION WITHOUT MY WRITTEN CONSENT, AND MY APPROVED/AGREED WRITTEN INSTRUCTIONS. NO CONSENT CONSTITUES IDENTITY THEFT. FURTHERMORE, AS A FEDERALLY PROTECTED CONSUMER, I AM DEMANDING THE DELETION AND REMOVAL OFF ALL ACCOUNTS LISTED IN THIS REPORT 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 2024-07-03 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: TX

Complaint narrative:
I am a victim of Identity Theft. Information about the Transactions and the Relationships between each Lender and myself the consumer has been shared with 3rd parties ( Credit Bureaus ) without my consent. 15U.S.C. 1881a ( 2 ) ( A ) ( i ) ( B ) My right to OPT OUT of sharing personal information was Never conspicuously explained to me in the INITIAL Contract agreement. As per 15U.S.C.1681a4 Violation of 15U.S.C. 1581C ; PERMISSIBLE PURPOSE has occurred with each company I have and am currently dealing with. I have resended my consent and have OPTED OUT of 3rd party sharing, as is my RIGHT TO PRIVACY.

Violation of 15U.S.C.6802 OBLIGATIONS concerning Disclosure of Personal Information is occurring as well as TX Law 4848 Stat 112 CIVIL NONCOMPLIANCE. 
I have sent letters to each company and the Credit Bureaus and some of the companies with little to no results. I have included an affidavit from XXXX with each company and a Police report file number.

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 2024-07-03 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: TX

Complaint narrative:
I am a victim of Identity Theft. Information about the Transactions and the Relationships between each Lender and myself the consumer has been shared with 3rd parties ( Credit Bureaus ) without my consent. 15U.S.C. 1881a ( 2 ) ( A ) ( i ) ( B ) My right to OPT OUT of sharing personal information was Never conspicuously explained to me in the INITIAL Contract agreement. As per 15U.S.C.1681a4 Violation of 15U.S.C. 1581C ; PERMISSIBLE PURPOSE has occurred with each company I have and am currently dealing with. I have resended my consent and have OPTED OUT of 3rd party sharing, as is my RIGHT TO PRIVACY.

Violation of 15U.S.C.6802 OBLIGATIONS concerning Disclosure of Personal Information is occurring as well as TX Law 4848 Stat 112 CIVIL NONCOMPLIANCE. 
I have sent letters to each company and the Credit Bureaus and some of the companies with little to no results. I have included an affidavit from XXXX with each company and a Police report file number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: AZ

Complaint narrative:
This is a LAWFUL CLAIM from I, the aggrieved man, to both EXPERIAN AND XXXX on reporting of information that to this day after multiple years of reporting and damaging to reputation the furnishing of information that remains unlawful, uncertified, non-order from a legal entity such as a court of law, the furnishing of " child support '' as an obligation being supplied, furnished to persons that request consumer reports of XXXX XXXX XXXX. A name that is copyrighted and trademarked. 
Attached is evidence directed from a court of law to XXXX and to be applied to ALL CONSUMER REPORTING COMPANIES including XXXX, EXPERIAN that the reporting of such information is and has been found to be " Unlawfull ''. The supplemental information describes in detail the lawful and unlawful reasons that such information shall not be furnished on a persons consumer report and to be removed immediately as it violates numerous laws and violates constitutional rights.

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 2024-07-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: TX

Complaint narrative:
I got my wallet stolen. So I reported all my things. Even cash app. They were to send one and I never got it so I stopped my direct deposit. However, I still have XXXX dollars on it and I want them to send it they want me to close the account and they jeep the XXXX dollars or use some out of the way way to get it. That's not what I signed up for ir was promised by the cash app. They won't send me a new xard I don't need thier business plus they don't close the account,? I actually have another. I want that closed. I want u to sue them on my behalf please

Company response to consumer: Closed with explanation