vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I opened a dispute with discover on XX/XX/year> for a portable camper that was never received from XXXX XXXX XXXX in the amount of {$3800.00}. I gave Discover receipts and all accurate information proving I did not receive my item or refund. On XX/XX/year> Discovered denied my claim because the merchant did not answer. I want Discover to issue my full credit as they should when a consumer does not receive what they paid for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
Received letter on XX/XX/year> that we had unclaimed funds in the amount of {$3500.00}. We went through the process of submitting our information to Dovenmuele Mortgage company to return the funds to us. After months of requests by us, submitted to Dovenmuele Mortgage , Inc, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX, fax XXXX, calling Customer Service at XXXX, a supervisor suggested to call the State of PA to see if the State has the check. XXXX XXXX XXXX  at the State emailed me that they have checked for the funds and they do not have anything from Dovenmuele to us. Please help, Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

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

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 2024-07-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
This company has continuously, giving me the runaround and telling me that I can not use my destiny MasterCard, because of high risk and security purposes. There is no lock on my card There is no temporary hold on my card theyre saying that its fraud and high risk for fraud but its not high risk for fraud, because I have elected to verify my identity verify who I am and verify that it is me that is using the MasterCard. They are continuously not wanting to resolve the problem to fix my MasterCard. They are continuously not taking my problems. Seriously they refuse to talk to MasterCard in order to fix the problem the card works and then it doesnt work. This is not in the contractual agreement that I signed. This is also not a part of any agreement that I have signed. If my credit is available, then I should be able to use without any discretion. If my car can not be turned on, I would like for the account to be closed and all the money that was spent paid back by the company for damages of pain and suffering, and and a breach of contract. It is nowhere stated in my contract that My transactions will be declined by a computer system and there is nothing that can be done. This is a breach of contract contractual agreement between consumer and credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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:
I recently viewed my credit report after receiving information that my personal information and social security was leaked during a data breach. I notice that there is an account by the creditor XXXX XXXX that is being reported by XXXX XXXX, that is associated with the account number XXXX in the amount of XXXX reporting on my credit report that does not belong to me and believe this is a direct result of the data breach and I need this account and all associated accounts deleted.

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 2024-07-11 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: Global Lending Services LLC
State: SC

Complaint narrative:
I am writing to file a complaint regarding multiple unauthorized inquiries on my credit report, all dated XX/XX/year> : GLOBAL LENDING SERVI XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX Despite numerous attempts to contact these companies for clarification and resolution, I have received no response. These inquiries were made without my knowledge or consent and have adversely affected my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), these companies are legally obligated to remove any inaccurate information from my report. Failure to comply can result in legal actions and penalties. 

I kindly request an investigation into these fraudulent inquiries and their immediate removal from my credit report. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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:
This notice is to inform you that you have unlawfully reported unauthorized accounts on my consumer report. I have not given you written permission to include any accounts on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your actions amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.

Furthermore, this agency is in violation of 15 USC 1692g. You were required to notify me of these debts in writing within five days of your initial communication. I did not receive any such notification. As the original creditor, only I can validate this debt, and I do not validate it. Therefore, the following accounts must be deleted from my report immediately : Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX  Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Additionally, I hereby revoke all rights for your agency to communicate with me through email, text, or phone calls. 

Failure to respond satisfactorily with the deletion of the above-referenced accounts and to send me a free copy of my report after the changes have been made will result in legal actions being taken against your company. I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Please provide me with written confirmation of their removal. I expect this matter to be resolved promptly, as it is severely impacting my creditworthiness and financial wellbeing. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
First I dealt over the course of nearly 1 year with XXXX + XXXX other credit bureaus. The account is not mine! I wrote to the company 5 times and called then over 1200 times and they refuse to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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:
First I dealt over the course of nearly 1 year with Experian + 2 other credit bureaus. The account is not mine! I wrote to the company 5 times and called then over 1200 times and they refuse to cooperate.

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 2024-07-11 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
First I dealt over the course of nearly 1 year with XXXX + 2 other credit bureaus. The account is not mine! I wrote to the company 5 times and called then over 1200 times and they refuse to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This is a follow up on this claim XXXX. Since original claim, Citi has sent me multiple times forms to open an account, which I will not fill out since I do not want an account nor ever authorized an account. I have spoken with and sent via XXXX a repeat of my request that all XXXX fund be transferred to my existing IRA Rollover account at another institution. After many discussions, a supervisor, XXXX, tried to explain that the account is on hold until they get validation and the only way to get validation is to apply for an account. I asked for other means of validation since they did ask me all the questions ( SSN, Address, etc. ) to validate me and finally, after 7 weeks, was able to get an account number, but stood firm that I need to apply for the account before I can get any of my money. I would like the CFPB to prod Citi to provide alternate means of validation OR just follow my instructions and move the funds to my XXXX XXXX XXXX as requested. Thank you.

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 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Musicians Friend XXXX XXXX  XXXX XXXX On XX/XX/XXXX I ordered a guitar and my Capital One card was charged for {$490.00} XX/XX/XXXX, see attached order. I called them, said the pickup selection switch was defective & they said they would send out a replacement to arrive by XXXX, which it did, see order date XX/XX/XXXX. I sent the original guitar back, see XXXX shipping ticket dated XX/XX/XXXX. 
I called Musicians Friend to tell them the pickup selection switch was defective on the replacement guitar. I sent back XX/XX/XXXX, see XXXX shipping ticket, they said they would need to charge me for the XXXX guitar pending receipt of the XXXX guitar, see charge card dated XX/XX/XXXX {$490.00}. 
I called Musicians Friend to tell them the pickup selection switch was defective on the XXXX guitar. I offered to keep it if they would discount it {$150.00} & I would buy the part & pay someone to fix it. Through a series of emails, attached, the customer service person, XXXX, said they would need to talk to someone to get approval. At some point I called a different customer service person with the same back & forth several times and no result. They said the credit for the initial {$490.00} had been approved and I needed to contact Capital One to see why it wasnt credited to my account yet. Capital One told me it could take some time. 
I eventually had a third customer service representation at Musicians Friend give me the {$150.00} ( posted {$160.00} including tax ) on XX/XX/XXXX. However, he said the {$490.00} credit was closed out, since he indicated he was new, it sounded like processed. On XX/XX/XXXX, Capital One told me it wasnt ultimately issued. 
I have one guitar in my possession, I have been issued a discount for it. I still need a credit for the original {$490.00} which shows on my charge statement XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: DISCOVER BANK
State: FL

Complaint narrative:
15 u.s. code 1681 ( i ) - re inserted an item and never notified me within the timeframe. penalty {$1000.00} per item. Discover Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) 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 each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) 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 each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2024-07-11 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: MI

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXXXXXX Account Number : XXXX  Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it 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 explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On my credit report, it states that this account " needs my attention '' and it doesn't need my attention, because I've been making automatically payments since XX/XX/year>. It is hurting my credit report and others believe that I am not making payments at all. " Last payment amount " states {$0.00}. That is incorrect!! I make automatic payments every two weeks from my checking account.

Company response to consumer: Closed with explanation