vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
Dear Sir/Madam, My name is XXXX XXXX XXXX I am writing to report a serious incident of identity theft involving Comenity Capital Bank, where a credit card account was opened in my name without my authorization. 
In an initial interaction with Comenity Capital Bank, I was informed about an attempt to open a credit card in my name. I clarified with a representative that this was not an action taken by me, and they assured me that the attempt was recognized as fraudulent. They confirmed that no account would be opened, and no funds would be withdrawn. 
However, the situation took a concerning turn when, a few months ago, I was notified by another lender that an account had indeed been opened in my name and that there was an outstanding balance of {$680.00}. This was contrary to the assurances given by Comenity Capital Bank.

Key Incident Details : Company Involved : Comenity Capital Bank/Interval International Inc , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Account Opening Date : XX/XX/XXXX Account Type : Revolving Account Loan Type : Credit Card Last Update on Account : XX/XX/XXXX High Balance of Fraudulent Account : {$680.00} For your reference, the account number associated with this fraudulent activity is XXXX. The account was reported to have a high credit limit of {$5600.00}, under a monthly term for 11 months, and was last updated on XX/XX/XXXX with a balance amount of {$0.00} and no amount past due. 
I am currently working with XXXX to address this issue and have been advised to file this report with the Federal Trade Commission. I request your immediate assistance in investigating and resolving this fraudulent activity under my name. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: BTH Management
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX for {$2600.00}. I do not have a contract with Plaza Services, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: VA

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 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 

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. 


You have 30 days from the date of this letter to delete the above account if you can not produce DOCUMENTS of this account being verified. This letter is NOT a request for you to automatically verify this account with no proof. I have done the footwork to protecting my rights and no company has been able to give me more information on these accounts which is currently preventing me from getting approved using my credit history.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
This company is reporting late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and has failed to provide any verifiable proof within 30 days of my requests to do so. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 b of this title is delivered to the consumer not later than 21 days. I never gave any written instructions to furnish this data which is a violation of 15USC 1681b. They must comply with 15USC SEC 1681li ( a ) and I am gathering all of this information with help from my attorneys for further litigation. I demand said late payments be removed immediately from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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:
Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: AL

Complaint narrative:
There is a charge off listed on my credit report for XXXX XXXX, the account was never charged off and is paid in full with good statnding,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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:
After recently reporting several inquiries that are unauthorized and fraudulent they're still showing on my Transunion report. I've mailed in my disputes with no progress on removing the hard inquiry from XXXX XXXX and in accordance with FCRA this inquiry must be removed.

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 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX   someone hacked into my mobile app through Chase and deposited 6 checks into my account four of them only had my first name on them and they were endorsed by a man 's name and this person was not on my bank account Chase went ahead and accepted them never notified me with a fraud alert the same day the hackers went back into my mobile app and disputed four of my car payments Chase went ahead and reversed all four of them never notified me with a fraud alert then the next day the hackers went back into my mobile app and disputed 9 of my XXXX XXXX XXXX XXXX Chase went ahead and reversed all night still no fraud alert that evening I called Chase customer service to ask about my direct deposit through my employer customer service asked me if I was the one that made all those reversal request and deposited those checks I told him no I did not Chase went ahead and froze the account I went in the next day to the branch close the account and opened another account Chase went ahead and told me the account was not closed they restricted it then I received a direct deposit on XXXX XXXX XXXX XXXX XXXX from SSA and a direct deposit with my employer on XXXX XXXX XXXX XXXX Chase went ahead and kept those direct deposits and made me pay for the fraud Chase told me that the deposit done on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was returned they gave me a Trace number to give to my employer she Trace the return my employer went ahead and traced it and told me that it was never returned Chase has not credited that deposit it was deposited on XXXX XXXX XXXX XXXX I was told that all those reversals we're going to be sent back to my car lender company the name is XXXX and XXXX credit card company XXXX at the chase executive office that they were sent back I have been on the phone with both of the companies and they were never sent back Chase went ahead and closed my account once those two direct deposits were made never notified me of closing my account because of them taking my Social Security SSA payment and my direct deposit with my employer I could not pay rent so I got evicted from my apartment she still has not credited my account for that direct deposit for my employer deposited on the on the XXXX XXXX XXXX I have been on the phone with them everyday it has been over 60 days since this has happened it's affected my life because now I'm homeless this stress of talking to them everyday every time I speak to somebody in the claims department at Chase I'm being told different things every time the stress has caused XXXX XXXX  and I want this problem resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXXXXXX  I filed a complaint with XXXX XXXX because I had so many problems with my XXXX XXXX XXXX XXXX. Broken gas tank etc. car was in the shop for days and I felt l could not rely on the car. 

I called in XX/XX/XXXX to check on the complaint and I had to file all over again because XXXX " Lost '' my complaint. 

I deferred my payment to XXXX, later they clain they couldn't find the deferment and penalized my credit XXXX points. 

Bottom line is that this car lease and car have been returned and satisfied to XXXX XXXX. 

They penalized my credit again- and I have no idea why? I did not give anyone permission to run my credit. 

I want XXXX to fix this issue and remove it from my credit. Everything has been paid. 

I don't have they car XXXX does.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXXXXXX  I filed a complaint with XXXX XXXX because I had so many problems with my XXXX XXXX XXXX XXXX. Broken gas tank etc. car was in the shop for days and I felt l could not rely on the car. 

I called in XX/XX/XXXXXXXX  to check on the complaint and I had to file all over again because XXXX " Lost '' my complaint. 

I deferred my payment to XXXX, later they clain they couldn't find the deferment and penalized my credit XXXX points. 

Bottom line is that this car lease and car have been returned and satisfied to XXXX XXXX. 

They penalized my credit again- and I have no idea why? I did not give anyone permission to run my credit. 

I want XXXX to fix this issue and remove it from my credit. Everything has been paid. 

I don't have they car XXXX does.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXXXXXX  I filed a complaint with XXXX XXXX because I had so many problems with my XXXX  XXXX XXXX XXXX. Broken gas tank etc. car was in the shop for days and I felt l could not rely on the car. 

I called in XX/XX/XXXXXXXX  to check on the complaint and I had to file all over again because XXXX " Lost '' my complaint. 

I deferred my payment to XXXX, later they clain they couldn't find the deferment and penalized my credit XXXX points. 

Bottom line is that this car lease and car have been returned and satisfied to XXXX XXXX. 

They penalized my credit again- and I have no idea why? I did not give anyone permission to run my credit. 

I want XXXX to fix this issue and remove it from my credit. Everything has been paid. 

I don't have they car XXXX does.

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 2024-01-07 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: TX

Complaint narrative:
Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! 
Also its illegal to freeze a consumer account you have been put in notice

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 2024-01-07 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: TN

Complaint narrative:
I have unauthorized inquiries on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: GA

Complaint narrative:
I was a victim of the Equifax data breach. I want these Items Deleted from my credit reports. 

XXXX. XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX. XXXX Bank Account # XXXX XXXX. XXXX XXXX Bank # XXXX XXXX XXXX XXXX. XXXX Account # XXXX XXXX XXXX I received Confirmation from Equifax. " Based on the information you provided, our recors indicate your personal information was impactedby this incident. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: FL

Complaint narrative:
Equifax is unable to verify and complete a full reinvestigation in 90 days. This is a violation of the Fair Credit Reporting Act. 
Find attached certified letter dated XXXX, XXXX XXXX. 
Today is XX/XX/XXXX and no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I live in a condo ( apartment ) with a purchase money mortgage serviced by NewRez. We have had this mortgage since XXXX and have always provided the servicer with proof of our condo owners insurance policy. For the first time, in XX/XX/XXXX NewRez asked for proof of the HOA umbrella policy. Once I understood what they were asking for I submitted a copy of the policy via the website as directed in early XXXX. When I called NewRez on XXXX XXXX  the rep said there was no record of me having submitted it, so I submitted it by email as the rep directed, to XXXX XXXX XXXX XXXX I chatted with a customer service rep on the website who said there was no record of me having submitted it so I emailed again, this time as they directed to XXXX XXXX XXXX. When I logged in again today ( XXXX XXXX  there is no record of the insurance on my account, and NewRez continued to bill us {$130.00} per month in force placed insurance. I emailed proof of the policy again to all three addresses today and begged them to either confirm receipt or let me know what the problem is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I discovered that my Marcus saving account was locked on XX/XX/XXXX. On the same date, I called Marcus, and they informed me that my XXXX XXXX XXXX XXXX number was not associated with the name on the account ( which is my name ). I even went to a local XXXX XXXX XXXX XXXX  and asked them to pull my information from their system, which, according to XXXX XXXX XXXX XXXX records, matched my name. They said they would send me an affidavit to fill out. I waited for a week and then called XXXX again on XX/XX/XXXX. They assured me they would expedite the process and send out the affidavit as soon as possible, which would take 7-9 business days. However, after waiting for another two weeks, I still haven't received the letter. I lost my patience and asked an agent to close both of my accounts and transfer the money back to the original bank account that initiated the transfer initially. The agent agreed to that, and we went through the closing process on a recorded line. The agent sent me a one-time PIN number to my phone, and I provided her with the number. The agent assured me that the funds would be available within 1-3 business days. However, after waiting for another four business days, I still hadn't received the money. 

When I called Marcus again, another agent from risk department informed me that my accounts were not actually closed because their department vetoed the closure due to restrictions placed on my account. This information was never communicated to me last Friday. I requested once more to have my accounts closed. The risk department set up a three-way call with the savings department XXXX and we went through the same closing process again. However, they informed me that they could not send the PIN number to either my phone or email this time. The only two options left for me are : Receive a check via mail, for which they couldn't even provide a tracking number. 
Go through the old affidavit process, which has already taken a month, and I still haven't received the letter from the bank. 
Due to my concerns, I rejected the check option and insisted on getting my money transferred to the original bank account via ACH or wire. Unfortunately, they are not giving me that option. 

I don't see any risk in simply transferring the funds back to the original bank account, which I believe is the easiest and fastest way for me to access the funds.It 's really frustrating for me since it already took a whole month, and I don't want to waste another month on waiting for the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: FL

Complaint narrative:
This company is reporting late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and has failed to provide any verifiable proof within 30 days of my requests to do so. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 b of this title is delivered to the consumer not later than 21 days. I never gave any written instructions to furnish this data which is a violation of 15USC 1681b. They must comply with 15USC SEC 1681li ( a ) and I am gathering all of this information with help from my attorneys for further litigation. I demand said late payments be removed immediately from my consumer 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 2024-01-07 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: CT

Complaint narrative:
I requested the credit bureaus to verify everything on my credit report, and they did. They stated that everything was accurate, and I did thorough research and found proper inadequacies dates on the credit report even after they did. Account : XXXX XXXX XXXX Under the fair credit reporting act, XXXX account # XXXX with 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 also states a consumer reporting agency can only furnish an account with my written instructions.

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