vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 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: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
In XXXX, the Comenity Capital bank ( The Childrens Place ) placed an account in collections through " The Bureau '' claiming that the card and the debt belonged to me. I submitted a claim with the CFPB,, also with the original creditor as well as the debt collector requesting a cease and desist if the creditor or the debt collector could not provide me with the original instruments of account opening, including but not limited to, the identification card used to open the account and any contracts bearing my signature. Once that information could not be furnished, the Bureaus had no choice but to remove the account from my credit report as well as comply with the cease and desist order. The collection account was removed from my credit report. 

Subsequently, in XX/XX/XXXX, the Comenity Capital bank re-sold this debt to a different debt collection company, XXXX XXXX, placing this account in collections on my credit report. Since then, they have not furnished me with any information or documents to validate this debt, yet their practice of placing an unsubstantiated debt on my credit report without notifying me or validating the debt is illegal as per FCRA guidelines. 

I am requesting a complete cease and desist order against Comenity Capital bank from outsourcing this debt to any other collection companies until they can properly authenticate this debt as belonging to me. I am also requesting that XXXX XXXX remove this derogatory account from my credit report. I have contacted Comenity Bank as well as XXXX XXXX. 

They continue to send me statements of the account but have failed to validate the debt as belonging to me. I have requested an application bearing my signature and a copy of my identification proving that I was the party that opened the account. So far they have not provided me with this proof. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX - Account 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 2024-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have remaining funds in held for 180 days the amount of {$170.00} after tried to reach out on them and ask if my remaining funds is eligible for withdrawal but they said that it is not eligible so I wait for how many days and when I check my acc but suddenly the money that the they freeze is suddenly gone and when I check the recent activity on my account they convert my funds into US dollar and stole it I tried to reach out with them after what happen but I never recieve any response coming from them so that is why I am here to file a complain against PayPal for stealing my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-21 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:
After Issuing Multiple Cease and Desist directives, and contacting XXXX XXXX XXXX directly, XXXX XXXX XXXX has disclosed my personal information in a manner that is not allowed by law under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. My rights have been violated and I demand that they remove my information from all three credit bureaus. ( XXXX ) DID NOT* have my permission to share my information to other non-affiliated third parties. under 15 U.S. Code 6802 section ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. None of these options were disclosed or explained to me before or during the rushed contract e-signing process. This deceptive practice is in violation of my rights and I demand the removal of the account from all three credit bureaus immediately. 

XXXX XXXX also lied and provided misinformation pertaining to the furnishing of said disclosures and also dismissed my previous complaints and cease and desist directive, stating that they will continue to report this information, in violation of my 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 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
In XX/XX/2024, I received at my home in the mail an online savings account statement from Marcus by Goldman Sachs. I did not open this account. I called the company on XX/XX/2024 and spoke with a representative named XXXX. I told her I did not open this account, it was fraud and to close the account immediately. She informed me the account was opened online in XX/XX/2024. The needed to have my address, birth date and social security number to open the account. No transactions occured ; the beginning and ending balance were XXXX. She said I would receive confirmation in the mail that the account was now closed. I have not yet received it. I want others to be aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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.

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 2024-03-21 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: NJ

Complaint narrative:
I checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX, I took the lease vehicle to the XXXX dealership located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Then, I received the XXXX XXXX/Lease Termination Letter which is pretty much blank and missing a lot of important information. XXXX has been reporting this account incorrectly and they refuse to update credit agencies with accurate information. 
They sent me to a collection company which after their investigation and I also provided documents, the collection company agreed to stop their collections efforts and asked the credit agencies to delete this information. I have documents to proof.

Collection got deleted from my credit reports, but XXXX XXXX opened the account and it still not providing the right documentation. They are reporting as open and late. This account was closed back on XXXX. 
Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: TX

Complaint narrative:
The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: NY

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: PA

Complaint narrative:
I sent a fax to First Progress Back Office as requested by their customer service Representive at XXXX requesting them to send me my refundable security deposit. I wrote a letter on fax stating I havent received my {$200.00} refundable security deposit I made to obtain a credit card with First Progress. The fax was sent in early XXXX, called them today regarding the matter. Customer service is saying they dont see any updates under my account about receiving a fax. I have a copy of the fax saying it was completed @ XXXX. Fax machines dont lie about completed faxed materials. Its been XXXX since I stopped using the card without any balances being owed during closing of the account. They havent sent it to me by mail or bothered to contact me regarding my security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have a complaint about the American Express XXXX Credit Card. I received the card on XX/XX/2024, and was charged a fee of {$550.00} on XX/XX/XXXX. I applied for the card to take advantage of the free night stay at a XXXX property that comes with the card. However, the benefit arrived on XX/XX/2024. When I tried to use the free night award at the property where I wanted to stay, it was no longer available when the award arrived in my account. This was despite the available property when I applied for the credit card. 

Given that I could not use the free night award anymore, I requested American Express to cancel it and refund me the {$550.00} fee on XX/XX/XXXX. However, they informed me I was past the 30-day window to cancel the card ( XX/XX/XXXX ). They gave me two options : to either downgrade the card to their free option with a pro-rated credit for the {$550.00} or be stuck with the total {$550.00} amount. This is unfair and deceptive, as the benefit for the card arrived after the 30-day window to request a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NJ

Complaint narrative:
While traveling I mistakenly submitted the wrong payment info for my bank, for the amount of the payment I submitted for {$150.00}, which was well above the minimum payment due. Discover failed to inform me I entered the wrong bank information until after XXXX ( eight ) days later. 

As soon as they informed me ( via email only - no phone call, or no mobile alert which I had set up ) of the filed payment, I contacted customer service, and someone that only goes by the name of XXXX said there was nothing they could do ( as in DISCOVER BANK. I asked XXXX if DISCOVER ever has or ever will refund penalties and she refused to answer, she continually said she couldn't do anything, which is false and misleading. 

I asked her how to file a complaint against her and DISCOVER, but she refused to provide useful information. I asked for a supervisor, but again she refused. 

In summary, it took DISCOVER over 8 days to inform me of my error, and the customer service rep. XXXX was misleading and fraudulent in her " support ''. And their mobile alert system also failed to notify me of either the charge or the payment error. This seems to have been done by design, to intentionally charge my account a penalty. 

If DISCOVER had notified me in a reasonable amount of time about the error, admittedly on my part, I would have rectified the situation and promptly entered the correct pay-from bank account. Instead, I have never had a late payment. DISCOVER failed to notify me in a reasonable amount of time, and acted in BAD FAITH by charging my account a penalty and also by providing false information regarding refunding the penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-21 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: SC

Complaint narrative:
I hope this message reaches you. Upon reviewing my consumer credit report, I uncovered a significant breach of FCRA 15 U.S.C. 1681i ( 6 ) regarding the reinvestigation process. Your agency failed to provide the mandated written notice of reinvestigation results within the stipulated 5-day period, infringing upon my rights. As a result, I demand the immediate removal of the following items from my consumer report as per 15 U.S. Code 1681i ( 6 ). It has exceeded the 45-day limit since the completion of the reinvestigation, warranting this corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: LA

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: LA

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief