vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
medical debt under XXXX was supposed to not be reported by the XXXX cr burs as of 2023

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 2024-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I had reviewed my credit report and seen a insurance bill owed that's not mine

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: OR

Complaint narrative:
Greetings, I sent a registered security to Discover financial XXXX XXXX XXXX, for card account # XXXX and card account # XXXX. I was then in phone contact with a correspondence for XXXX XXXX XXXX that goes by the name XXXX XXXX XXXX XXXX told me that I must pay them in US Dollars according to the card member agreement I signed. I asked for written notice on this and received a letter which you can find as exhibit 1a ( attached ). She said in her letter that she could not provide me a signed copy of the agreement. I was also told over the phone that my securities that I had sent in were being sent to the proper department that handles them. These securities were kept and used by Discover. The evidence I have of this is that they were never returned to me nor did any one send written correspondence to let me know I did any thing incorrect other than not pay in US Dollars, which I will add there is no agreement to that. I then sent more letters asking for clarification along with attempting to keep Discover in honor. They refused to answer my questions and respond to my letters appropriately. I have attempted to fix this matter with Discover for many months now and It seems they are going to continue to violate my rights and commit crimes such as securities fraud against me. I have attached to this complaint all of the information and written communication between myself and Discover for your review. I provided Discover with all applicable laws, codes and statutes to keep both myself and Discover within honor. I recently received a letter from discover that is telling me they took steps to block me from discussing this issue any further ( Please see exhibit L attached ). Discover has also began to report negatively on my credit report ruining my name and causing distress and harm to my life. As you will see in exhibits A-L attached I have tried every thing I can to get Discover to act lawfully in This matter. Please help me settle this matter before I have to bring it to legal proceedings. 

As a side note, I have been sending a CC to XXXX XXXX XXXX at Discover Bank, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also to XXXX XXXX XXXX Discover Financial Services, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Also to XXXX XXXX XXXX Discover Financial Services, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  I have done every thing I possibly can to resolve this with Discover Financial. They refuse to do business in proper form and honor. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: CA

Complaint narrative:
While review my credit report, it showed 1 credit inquiry that I have no knowledge of ever authorizing from : XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I got gas on Saturday, then I was charged XXXX  of XXXX XXXX fee they treat you so bad, the have hold on your money, the representative started scolding me, I don't want hurt the credit union but they are hurting me

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 monetary relief
Consumer complaint received 2024-01-29 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-01-29 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: TX

Complaint narrative:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

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 2024-01-29 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: TX

Complaint narrative:
On my credit report it say my social security number has been compromised on the dark web and someone is use in it because I see a address that i never live at in my life which is XXXX XXXXXXXX XXXX and phone number is not correct and I dont have a bank with 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 2024-01-29 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: KY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the Equifax data breach that occurred in XXXX. I recently discovered that my personal information was compromised during this incident, and I am deeply concerned about the potential consequences and risks associated with the unauthorized access to my sensitive data. 

Details of the Data Breach : Date of Discovery : I became aware of the Equifax data breach 's impact on my personal information on XX/XX/XXXX. 
Personal Information Compromised : The breach has exposed my sensitive personal information, including my name, Social Security number, birthdate, address, and, in some cases, driver 's license number. 
Lack of Security Measures : It has come to my attention that Equifax failed to implement adequate security measures, allowing unauthorized access to a vast amount of personal data. This negligence raises serious concerns about the protection of consumer information. 
Impact and Potential Consequences : Identity Theft Risk : The compromised data puts me at an increased risk of identity theft, as it includes crucial information that can be exploited by malicious actors. 
Financial Security Concerns : The breach may have severe implications for my financial security, as unauthorized access to my personal information could lead to fraudulent activities, unauthorized access to financial accounts, and other potentially harmful actions. 
Request for Investigation and Remediation : Investigation : I request the Consumer Financial Protection Bureau to conduct a thorough investigation into Equifax 's handling of the data breach, including an assessment of their security protocols, response mechanisms, and measures taken to prevent such incidents. 
Accountability : Equifax should be held accountable for any negligence that led to the data breach and subsequent exposure of consumer information. I urge the CFPB to ensure that appropriate actions are taken to address any shortcomings in Equifax 's data protection practices. 
Remediation : As a consumer affected by the data breach, I seek assurance that Equifax will take necessary steps to mitigate the potential risks and provide adequate remediation measures, such as credit monitoring services and identity theft protection. 
I appreciate the Consumer Financial Protection Bureau 's dedication to safeguarding consumer interests, and I trust that your investigation will help address the concerns raised by the Equifax data breach. Please keep me informed of any developments regarding this matter. 

Thank you for your attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Hello, I submitted a Chase credit card application on XX/XX/24 for the IHG One Rewards Premier Credit Card. The same day I received an email from Chase stating, " Dear XXXX XXXX XXXX : Thank you for your application. We are sorry, but we could not confirm the information you submitted. We need you to send more information. If we do not hear from you in 30 days, we will stop reviewing your application. Here 's what we need to continue reviewing your application ( 1 ) Proof of current physical address ( e.g. utility bill, government issued ID ) and ( 2 ) unverified or missing date of birth. Please provide proof of date of birth. Within the email, Chase lists acceptable documents for both physical address and date of birth that includes US-issued driver 's license. 
I uploaded my driver 's license on XX/XX/24. I then received a letter dated XX/XX/24 that states, " Update : We are unable to process your application. Dear XXXX XXXX XXXX : We carefully reviewed the documents you sent us about the application listed above. Unfortunately, they did not provide the information required and we are unable to process your application. Thank you for considering Chase. Sincerely, Lending Services. '' I believe Chase 's actions directly contradicts Regulation B Section 1002.2 ( f ) that states an, " Application means an oral or written request for an extension of credit that is made in accordance with procedures used by a creditor for the type of credit requested. '' Furthermore, " A COMPLETED application means an application in connection with which a creditor has received all the information that the creditor regularly obtains and considers in evaluating applications for the amount and type of credit requested ( including... credit reports... ). The creditor shall exercise reasonable diligence in obtaining such information. '' In addition, the official interpretations 1002.2 ( f ) ( 6 ) states, " The regulation defines a completed application in terms that give a creditor the latitude to establish its own information requirements. NEVERTHELESS, the creditor must act with reasonable diligence to collect information needed to complete the application. For example, the credit should request information from third parties, such as a credit report, promptly after receiving the application. '' Chase bank did not comply with Regulation B because ( 1 ) my application listed all the information the bank needed to consider the application complete ( I listed my DOB and address ), ( 2 ) the bank has the latitude to collect information it deems necessary to consider the application completed which I provided by uploading my driver 's license, and ( 3 ) the bank should have acted with reasonable diligence to collect my information through pulling my credit report which would readily display my address and DOB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I got a merchandise that was supposed to be for zero interest payment for 5 years as told by the agent at the store and I have been making my payments expecting it to be less than XXXX XXXX. Then the homedepot credit card came and raised the interest to a point I am unable to afford. The credit card have been canceled a long time but they are still increasing fees each month

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Request for accurate documentation provided that this debt is currently mine. 

Reached out to the company to assist in the matter of this repo. It has provided damage to my credit score affecting my day to day, as well as my livelihood. Company was unprofessional and unable to provide me with accurate information regarding a contract.

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 2024-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Capital Accounts, LLC
State: MD

Complaint narrative:
I reached out to this company last year about fraud charges

Company response to consumer: Untimely response
Consumer complaint received 2024-01-29 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: MA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report, as reported by Experian. On XX/XX/XXXX, I contacted Experian regarding discrepancies in my credit report, but to date, I have not received a response. I believe that Experian is in violation of the Fair Credit Reporting Act ( FCRA ) for failing to address my concerns and correct the inaccurate information in a timely manner. 

The following are the details of the disputed accounts and the corrections I am requesting : XXXX Account ( Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : Dispute : I disagree with the reported balance of {$1000.00}, as I recall the amount being lower. 
Request : Kindly delete the information regarding the past due amount, as this account is closed and charged-off. Mark this account as disputed to prevent any negative impact on my credit score. 

XXXX Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ) : Dispute : This account is not mine. 
Request : Please remove it from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} ) : Dispute : This account is not mine. 
Request : Please remove it from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) : Dispute : The reported balance of {$390.00} is inaccurate ; I believe it should be a lower amount. 
Request : Do not report the past due amount, as this account is closed and charged-off. Mark this account as disputed. Verify and correct the Date Opened, Date of Status, and First Reported details.

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 2024-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I have reached out to this company several times requesting that they provide me with a copy of the contract that I supposedly signed requesting services with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My complaint is that they will not waive the interest charge in XXXX. I have been Marcuss customer since the card got transferred to them and have always paid off the balance. 

I made one mistake and somehow the autopay to payoff the entire balance stopped. I paid off the remaining balance 2 days after my minimum payment was made. Somehow the interest fee was {$100.00} for 2 days. They refuse after 10 business days and multiple calls to waive the interest this one time.

I think they should allow forgiveness for a fee or interest at least one time in the life of the account.

Company response to consumer: Closed with monetary relief