vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Westlake Services, LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to report a serious issue of identity theft and fraudulent activity on my credit report. An ID Fraud Victim Alert was recorded on my credit report on XX/XX/XXXX, stating that fraudulent applications may have been submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. 

I want to clarify that I did not authorize this alert, nor have I been a victim of identity theft to my knowledge. The phone number associated with the alert ( XXXX ) is not mine. My actual phone number is XXXX. 

I kindly request that this alert be removed from my credit report as it is inaccurate and misleading. I am willing to provide any additional information or documentation needed to resolve this issue. 

Thank you for your prompt attention to this serious matter. 

Sincerely, 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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX MS XXXX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Dear Sir/Madam, I am writing to report a serious issue of identity theft and fraudulent activity on my credit report. An ID Fraud Victim Alert was recorded on my credit report on XX/XX/XXXX, stating that fraudulent applications may have been submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. 

I want to clarify that I did not authorize this alert, nor have I been a victim of identity theft to my knowledge. The phone number associated with the alert ( XXXX ) is not mine. My actual phone number is XXXX. 

I kindly request that this alert be removed from my credit report as it is inaccurate and misleading. I am willing to provide any additional information or documentation needed to resolve this issue. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XXXX/XXXX/24 I contacted Credit Karma about withdrawals from my account I did not do. They froze my account and after a few days got my money back into my account. As of making this post ( XX/XX/scrub>/24 ) I still have not had my account un-frozen. I was told that I was waiting on an email for supporting documents from myself. I uploaded all documents requested and have still not received any word back. I have called multiple times and been told to wait for a response back and that I would have to update information i.e. change my password and email linked to the account. The support team sent me an email to update my linked email and never updated the linked email. I had to figure out how to update all of my linked info myself. I called the fraud department and told them that all of my information had been updated and I would like my account unfrozen. They still insisted that there was nothing they could do and to wait for an email back. Today I called again and got told I could not speak to the fraud department due to technical issues. After asking for a supervisor he told me that he could get in contact with the fraud department and did. But after talking to the fraud department informed me they could not help me and that I would have to wait to be contacted via email. The support team/fraud department has ignored me and refused to give me any updates on unfreezing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies. 

According to 15 U.S.C 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items. 

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies 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 non-monetary relief
Consumer complaint received 2024-07-30 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: TX

Complaint narrative:
The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies. 

According to 15 U.S.C 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items. 

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies 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 2024-07-30 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: FL

Complaint narrative:
I have asked multiple times to have items investigated, and removed. They keep saying " it's not valid '' provide proof, etc. I have given them, ID, SS Card, Police Report, FTC Report, address verification. AND STILL they refuse to look into my claim of fraud. I am a retired armed services member and I live on a fixed income. This is like being victimized over and over gain by the bureaus as well as the fraudsters.

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 2024-07-30 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX  ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tromberg, Miller, Morris & Partners, PLLC
State: FL

Complaint narrative:
I have asked multiple times to have items investigated, and removed. They keep saying " it's not valid '' provide proof, etc. I have given them, ID, SS Card, Police Report, FTC Report, address verification. AND STILL they refuse to look into my claim of fraud. I am a retired armed services member and I live on a fixed income. This is like being victimized over and over gain by the bureaus as well as the fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear XXXX ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ State Name ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( XXXX ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations. 
* 1692g ( b ) : Failure to properly disclose my rights. 
* 1692f : Use of unfair or unconscionable means to collect a debt.

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 2024-07-31 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: IN

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 and 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 2024-07-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
An account was opened in my name. I've never received any written notification from this provider. I just keep seeing it on my credit report and I keep disputing it because I don't know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
DEAR XXXX XXXX DC ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ XXXX XXXX ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( XXXX ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations. 
* 1692g ( b ) : Failure to properly disclose my rights. 
* 1692f : Use of unfair or unconscionable means to collect a debt.

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 2024-07-30 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: IL

Complaint narrative:
We have been customers with Discover for 15 years paying all bills on time. 2 years ago or more we stopped using their card. We ended up with a charge on the card that we werent using and were not aware of this. I never received a statement showing me a balance or to my knowledge a phone call. The charge was {$120.00}. We received a letter in the mail from discover in XXXX, after not recovering anything from them I thought it was odd. I opened it to find out that there was a charge and past due fees that I think totaled about {$300.00} and that it had been sent to collections. When we called about it we were advised to settle on a balance and that if we paid that balance it would not show up on our credit report. In XXXX I tried to consign for a student loan for my son and that delinquency was on my reports. Therefore no loan given. When we called discover they said it is out of their hands its up to the credit people ( XXXX XXXX ). When we call XXXX XXXX they say its up to discover. We had been customers for 15 years with discover. We were never late on a payment. If I wouldve known there was a charge of XXXX I wouldve paid it but I didnt received anything saying I did. So I would like this off my credit report since we were advised to settle. If not I would like to pay the rest of what we owe and get it off our report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is the 4th complaint I've made in regards to this issue. I was reviewing my consumer report and was challenging a " Charged-Off '' account for XXXX XXXX XXXX because it was paid in full in a timely manner. The original creditor ( XXXX XXXX XXXX ) decided to alter their information after I made an initial complaint with you guys. I've shown proof they were incorrect and had been paid. I am now seeking the credit agencies ( XXXX, TRANSUNION and XXXX ) correct the improper reporting record on my report. I should have never had a charge off placed on my consumer report and it has been hazardous to my credit score. It has been affecting me in a negative manner by preventing me to receive credit. I am providing the information dated XX/XX/XXXX that shows my insurance paid ( {$11000.00} ) on an owed amount of ( {$13000.00} ) which left a reamining balance of ( {$2200.00} ). I will also provide the GAP Insurance check in the amount of ( {$3600.00} ) which covered the remaining balance with an overpayment of ( {$1400.00} ). Then I've place the warranty cancellation check that was supposed to have been credited to the account in the amount of ( {$920.00} ). My insurance overpaid ( {$230000.00} ) and I have never received my money from the company. Not only have they not paid me, they've caused me financial damages in the aspect of being denied credit. I am currently seeking to go to arbitration so that I can sue in the amount of {$10000.00} ( I will upload paperwork ). The last car I purchased came with a higher interest rate and higher car payment due to the unsatisfactory business provided by XXXX XXXX XXXX. There are various inaccuracies that have been shared amoungst the XXXX credit agencies and thats why this report needs to be CORRECTED on my consumer report. FIRST OFF they were paid so a charge off should never have been on the account. Also there is a different " Last reported day '', " Date last active '' and " Date of last payment '' accross the board for all 3 agencies. Furthermore they have illegally reaged the account by continuing to report the charge off every month. These inaccuracies can easily be confirmed to not be true based on the information they've provided vs the proof of the documentation that I have uploaded. There's been a violation of 15 USC 6801 from the beginning by even reporting my transaction history. Thats a strict violation of the Privacy Act of XXXX which can be found at ( 5 USC 552 ( a ) ). Please enforce the XXXX agencies to do the right thing for my accounts to prevent this negative damage from lasting any longer.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Actions : Wrongfully received Hard Inquiry on Credit from Bank of America saying Credit card is opened on XX/XX/2024 but I don't have any BoFA credit card in reality. Also tried to dispute with XXXX but the dispute report still says that it " Remains '' open. Tried contacting and talking to BoFA bank but they can not find any account with my name/ssn and hence not trying to help. It is a wrong information on my account and it's pulling my credit down. 

Companies involved : - Bank of America ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - XXXX Dates : - Credit card opened on XX/XX/2024 Amount : - Credit card has limit of {$2200.00}

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 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Due to a glitch on the Chase mobile online account app, my money got sent to the wrong recipient via XXXX. This happened on XX/XX/XXXX. After this happened, I contacted Chase immediately, they opened an investigation and closed my case in less than 7 days stating they won't help me. XXXX customer service and claims department has been very unethical and I would like a refund of my {$35.00} that was taken from my account unwillingly and without my authorization. The claim reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Open Dealer Exchange, LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to report a serious issue of identity theft and fraudulent activity on my credit report. An ID Fraud Victim Alert was recorded on my credit report on XX/XX/XXXX, stating that fraudulent applications may have been submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. 

I want to clarify that I did not authorize this alert, nor have I been a victim of identity theft to my knowledge. The phone number associated with the alert ( XXXX ) is not mine. My actual phone number is XXXX. 

I kindly request that this alert be removed from my credit report as it is inaccurate and misleading. I am willing to provide any additional information or documentation needed to resolve this issue. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation