vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: NC

Complaint narrative:
I am contacting you as a victim of a data breach in which my personal information was compromised. As a result, fraudulent accounts have appeared on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of these unauthorized accounts. 
Fraudulent Accounts 1. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$52.00}

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 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I was the victim of identify theft in XXXXXXXX XXXX XXXX. Among the institutions at which this identity theft took place was XXXX XXXXXXXX XXXX Some fraudulent debt was accrued by the criminal who stole my identity. After extensive back and forth, at greater personal expense of my time ( which impacts numerous people, as I am a surgeon who needs to serve patients ), the fraudulent debt was expunged and it was removed from my credit record. HOWEVER, on XX/XX/XXXX I received a call from Midland Credit Management ( XXXX ), at XXXXXXXX XXXX (!!! ) from a man named XXXX XXXX ( extension XXXX ), who was a debt collector, seeking payment for a debt originally held by XXXX XXXXXXXX XXXX XXXX 

This is unacceptable harassment. This is unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: NY

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: FL

Complaint narrative:
I am writing to request the removal of fraudulent accounts from my credit report due to a recent data breach in which my personal information was compromised. As a victim of identity theft, I am seeking to have these accounts blocked and permanently deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts XXXX. XXXX - XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$2000.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$6200.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$25000.00} XXXX. XXXX  - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$590.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: FL

Complaint narrative:
I am writing to request the removal of fraudulent accounts from my credit report due to a recent data breach in which my personal information was compromised. As a victim of identity theft, I am seeking to have these accounts blocked and permanently deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts XXXX. XXXX - XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX. Bank XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$2000.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$6200.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$25000.00} XXXX. XXXX  - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$590.00}

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 explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding harassment by a collection agency, which has been pursuing me for a debt that is not mine. Despite my attempts to resolve the situation directly with the collection agency, they continue to contact me and attempt to collect the alleged debt, which I do not owe. I have never incurred this debt, nor do I have any record of this obligation. I have requested documentation to verify the debt, but the agency has failed to provide any valid evidence linking me to this account. 
Despite my efforts to dispute the debt and request that the collection activities cease, the agency continues to harass me through phone calls and letters causing significant stress and frustration. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment and requires agencies to cease contact upon dispute of the debt. I have informed the agency in writing that I do not owe the debt and have requested validation as per my rights under the FDCPA, but they have not complied with my request. I kindly request the CFPB to investigate this matter and take the appropriate action to ensure that this third-party collection agency ceases all harassment. I am also requesting that this false debt be removed from any reports or records associated with my name. I trust that the CFPB will assist me in resolving this matter and prevent further unlawful actions by this collection agency. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was the victim of identify theft in XXXX of XXXX. Among the institutions at which this identity theft took place was Fifth Third Bank. Some fraudulent debt was accrued by the criminal who stole my identity. After extensive back and forth, at greater personal expense of my time ( which impacts numerous people, as I am a surgeon who needs to serve patients ), the fraudulent debt was expunged and it was removed from my credit record. HOWEVER, on XX/XX/XXXX I received a call from XXXX XXXX XXXX ( XXXX ), at XXXXXXXX XXXX XXXX! ) from a man named XXXX XXXX ( extension XXXX ), who was a debt collector, seeking payment for a debt originally held by Fifth Third Bank . 

This is unacceptable harassment. This is unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
My repayment was taken twice. My back account was charged twice, each time for the full amount for repayment on the same loan. 
I was to be charged {$300.00} on XX/XX/2024 I paid the loan in full in the morning of that day ; however, later in the day the loan company attempted to charge me again for the full amount, they continued to try until their second charge went through. 
The result was I was charged a total of {$600.00} rather than the {$300.00} I owed. 
I called my bank and they refused to do anything until it posted. 
I contacted the loan company and they refuse to take responsibility. They say they have no record of the second transaction..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking, and the information listed below, which appears on my credit report, is a result of that trafficking.

Please block the following information from my credit report within four business day
s, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX  XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX XXXX Enclosures : Proof of identity Trafficking Documentation

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 2024-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony has closed my account while there are still rewards remaining. They are refusing to return these rewards to me and have indicated that they will be forfeited. I believe this treatment is unfair as I did not agreed to account closure.

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 2024-11-02 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: ID

Complaint narrative:
My student loan was paid off in XXXX. All other credit bureaus, XXXX and XXXX, have updated the account balance to zero, except Experian. They show the full balance prior to paying off. $ XXXX. I have filed XXXX disputes with Experian and they have not changed anything. This is impacting financing my first home purchase.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have filed this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the company, Experian credit reporting agency , block information appearing on my consumer credit report that is not associated with my credit file. Name of Credit File : XXXX XXXX ( Name ID # XXXX ), Social Security Number : XXXX, Date of Birth : XX/XX/year>. The information populating on my credit file is an result of identity theft and fraud and should be investigated within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a incorrect names, addresses, credit card accounts, and auto loans opened and merged into my credit file that are attached in the FTC identity theft affadavit report # XXXX which shows the variations of names for, XXXX XXXX XXXX ( Name ID # XXXX ), XXXX XXXX XXXX ( Name ID # XXXX ), XXXX XXXX XXXX ( Name ID # XXXX ), XXXX XXXX ( Name ID # XXXX ) and XXXX XXXX XXXX ( Name ID # XXXX ) that needs to be updated, corrected, blocked and/ or from my credit file immediately which this FTC report is also proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: MI

Complaint narrative:
Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
2 finance companies denied my application on XX/XX/2024. one being Synchrony Bank. this cost be 2 hard inquiry on my credit and {$25000.00} dollars. 

the letter i received from Synchrony Bank states a credit score of XXXX. 
they used XXXX XXXX for the credit information. this credit information is incorrect. 
i have a vantage score of XXXX and a XXXX  score of XXXX I have called XXXX, requested what information XXXX provided to the inquiry from Synchrony Bank, specifically what credit score as well ; they could not.

i have filed a separate CFPB complaint for XXXX. 

I called Synchrony Bank and got no answers as well. 
i asked for Synchrony Bank to review with how they derived my denial, they could not. 
they stated " for your privacy we do not have access '' ... but by all accounts it is for plausible deniability ; a way to blame the algorithm. 

there is little insight as to how i was denied the financing. when discuss the matter i expressed i would like to file a complaint with a Synchrony Bank in conjunction with filing with the CFPB, they said there was NO means to do it over the phone, NO means to do it over the internet. that i could only do so by contacting President Chief Executive Officer my PAPER MAIL. 

president chief executive officer XXXX XXXX - synchrony financial XXXX XXXX XXXX XXXX, Florida XXXX all of this is unacceptable. 
they have no means to audit applications, and no realistic means to resolve issues.

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 2024-11-02 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: Credit Karma, LLC
State: TN

Complaint narrative:
Credit Carma pre approved me for a credit card, so I applied. They even said, they would give me {$50.00} if not approved. 
I eas not approved, nor did they send me the {$50.00}. 
My credit suffered also. 
They said, my credit would not be effected. 
A company should not promise this, if they can not deliver a promise. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-02 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: IL

Complaint narrative:
The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: IL

Complaint narrative:
The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bounce AI, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to maximum accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item specifically the contract note or other instrument bearing my signature. 

1-iDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> THIS IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I, XXXX XXXX XXXX, A victim of Identity theft by XXXX XXXX, did not give XXXX XXXX permission to use my information to fraudulently collect monies. This is violation of the FDCPA 15 U.S.C. SS 1692e and 15 U.S.C SS 1681s-2XXXX XXXX is liable for reporting an account for identity theft.I demand this fictitious account that they have created be deleted form their records and all 3 credit bureaus records such as, EXPERIAN, XXXX, XXXX. Failure to do so is grounds for further legal action to be taken.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 explanation