vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: DISCOVER BANK
State: CA

Complaint narrative:
Subject : Cease Unauthorized Credit Reporting Immediately Reference to California FCRA Identity Theft Fraud Laws Dear Discover Bank, I am writing to address a serious breach concerning the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and relevant identity theft fraud laws in the state of California. 

It has come to my attention that Discover Bank has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA explicitly mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, California state law, specifically relating to identity theft and fraud, underscores the necessity of consumer consent for credit reporting and the severe penalties for unauthorized access and misuse of personal information. 

I assert that I have not provided consent for Discover Bank to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and disregarding both federal and state laws. 

I demand that Discover Bank immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and relevant California laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including identity theft fraud statutes in California. 

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA and California state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting practices. 

I expect your immediate attention to this matter and prompt rectification of these violations, respecting my rights under federal and state laws. 

Done in good faith. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: MO

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 XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I heard that One Main financial added services and did other things on personal loans. I have had this loan for a while and I am not sure if this happened on my loan or not but I was told to submit my information to have it reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I have be asking for proof of purchase and the to see the validity of this debt, i notified through this platform that i would be receiving a debt validation letter, i have yet to receive anything from this company. Communication has been sparse, and they are completely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My husband and I paid a XXXX XXXXXXXX XXXX  company to assist with exiting from a time share agreement. The XXXX XXXXXXXX XXXX XXXXompany ended up securing an Attorney who on behalf of several XXXX XXXX holders was able to enter into a settlement agreement with the XXXX XXXX. We paid the settlement agreement in full and received documentation that our account was settled/closed with a {$0.00} balance. All credit bureaus, except for one, are reporting this account accurately. The credit bureau in question has the account listed as a " repossession '' which is negatively impacting both myself and my husband. It was disputed with the credit bureau and the legal document from the attorney was provided but the credit bureau is standing by their reporting status. We attempted to contact the company but no one there will speak to us because we " had '' attorney representation. I have called the Attorney who represented us and left numerous unanswered voice mail messages. At this point we are not sure where to turn but do not feel that after paying several thousands of dollars to exit our time share legally and several thousands of dollars to settle with the time share company that we should be negatively impacted by this particular credit reporting agency.

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 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
OneMain Financial charged me extra fees for products and services outside of the loan scope.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used Chase credit for a hotel booking back to XX/XX/XXXX, but the annual hotel credit has not been applied. I have called in XXXX and XXXX, then received a letter from Chase saying that the credit will be applied XXXX billing cycle, without giving me a reason why the credit keeps delaying. 
I called again at XXXX XXXX XXXX, XX/XX/XXXX, with a total of XXXX hour and XXXX minute calling time. At the end, it was someone claimed that she is the manager, and told me that the XXXX XXXX credit won't be applied until next credit card renewal date, which is a totally new and incorrect information. Please see the attachment ( Case Searched XXXX ), the credit just came within a week. 
I have already closed the credit card due to the bad attitude from the " manager '', but I do suspect a racism from the " manager '' because of my XXXX with the accent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-25 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: AR

Complaint narrative:
I have sent several certified letters this year and last year in regard to the incorrect, inaccurate reporting of this account. Date sent XX/XX/XXXX and XX/XX/XXXX, the XXXX account has been charged of since XXXX and 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 2024-03-25 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: UT

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: OH

Complaint narrative:
I been going back and forth with a company XXXX XXXX XXXX Experian XXXX and XXXX keep letting this company update my report as accurate when its not accurate at all I asked this company to provide the original charging instrument and the XXXX XXXX  showing the issuer of the funds and the holder of the funds and the company will not provide this information but keep updating my account as accurate and the XXXX credit bureaus havent done they part to make sure what Im requesting be provided

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 2024-03-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Attn prepaid claims Claim number : XXXX Amount XXXX Bank of America attn : prepaid card operation Here I have attached an addition police report in reference to claim Number : Claim number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: DC

Complaint narrative:
Cfpb complaint inaccurate information In pursuant to 15 U.S.Code 1681 this is a violation of my consumer privacy rights. I am listing the account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate opening dates, inaccurate reporting dates and inaccurate credit limits. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: OH

Complaint narrative:
I been going back and forth with a company XXXX XXXX XXXX XXXX TransUnion and XXXX keep letting this company update my report as accurate when its not accurate at all I asked this company to provide the original charging instrument and the XXXXXXXX XXXX  showing the issuer of the funds and the holder of the funds and the company will not provide this information but keep updating my account as accurate and the XXXX credit bureaus havent done they part to make sure what Im requesting be provided

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 2024-03-25 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: OH

Complaint narrative:
I been going back and forth with a company XXXX XXXX XXXX XXXX XXXX and Equifax keep letting this company update my report as accurate when its not accurate at all I asked this company to provide the original charging instrument and the XXXXXXXX XXXX showing the issuer of the funds and the holder of the funds and the company will not provide this information but keep updating my account as accurate and the XXXX credit bureaus havent done they part to make sure what Im requesting be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: RI

Complaint narrative:
The company know as " Block '', formally know as " Square '', reported over {$24000.00} of income to the IRS for the tax year of 2021. I have never had any business with this company. It is currently end of XXXX and I have been attempting to resolve this with the company since the beginning of XXXX. I have called them several times and each time they provide the same responses, " we don't see a profile in your name '' and " we'll research and get back to you. '' I have yet to receive any follow up from the company. 

I called again today and they said they would open a case for me, which I was in disbelief this was not done during XXXX of the numerous calls I've made to them in the recent weeks. 

I need the company to provide proof i don't actually have an account with them or used their services so that I can resolve the now {$8000.00} debt I have with the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Due date XX/XX/year> AWA COLLECTIONS per the fcra as a federally protected consumer I am now opting out of any and all authorization, I the consumer may have given you written unwritten verbal and non verbal per 15 usc 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: AL

Complaint narrative:
I don't recall having a contractual relationship with this collection company DIVERSIFIED ADJ SVC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My apple account was hacked by scammers posing as XXXX XXXX with the phone # XXXX telling me I had charges on my credit card that I did not make. They had me on a XXXX  call sign in to my apple account. From there they changed my apple ID and phone number then opened a ApplePay account. I did not have any cards in the apple wallet. When I contacted Apple Support just a couple of hours after the incident when I was unable to get into my account they told me what I had to do to cancel my account and wipe my phone. However they still allowed the scammer to open a new apple pay card. Apple said I might be the scammer!

Apple Pay XXXX opened an account in my name and Apple sent me a bill for XXXX in XXXX. Apple pay opened a fraud investigation and told me I am not responsible..

Someone contacted XXXXXXXX XXXX XXXX XXXX posing as me and told them I lost my card which I did not. XXXX I learned my XXXXXXXX XXXX XXXX had been canceled and a new one issued and mailed to the address XXXX XXXX XXXX XXXX XXXX, Fl XXXX. No charges had been made so they cancelled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: XOOM CORPORATION
State: MI

Complaint narrative:
Logged into Xoom, typed in amount of money to be sent, logged into my bank XXXX bank account via the Xoom provided login/funds verification. I allowed access to view funds. There is more than enough money for the transaction to be completed however I was given a three day waiting period to verify funds. This seems like a predatory practice designed to force people to use the more expensive option of having money sent via a debit card. Nearly twice the cost. 

Date of initiating transaction XX/XX/2024, predicted available for pick up date XX/XX/2024. I called and was told I was not eligible for a manual expedite because Xoom had not collected funds from a previous {$35.00} transaction from XX/XX/2024. When I inquired how I could rectify this, I was not given an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: NY

Complaint narrative:
According to FCRA 605B, it's necessary to eliminate any erroneous accounts from my credit report. Could you kindly verify the documents? Some of the mentioned accounts are not accurate in terms of reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
Transunion is reporting errors on my credit report that is affecting my abilityy to purchase a home for my children.

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 2024-03-25 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: NJ

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/year> there was a new hard inquiry on my credit report form Lowe's/SYNC, I am assuming that is synchrony bank. I did not apply or have anything to do with Lowe 's. I need this removed from my credit report as I did cause an XXXX point decrease.

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