vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: MD

Complaint narrative:
In XX/XX/year> i went shopping @ XX/XX/XXXX in XXXX MD . Found several items made a purchase containing multiple items, CASHIER REFUSED TO APPLY MYXX/XX/XXXXs COUPON OF 15 % off al items at time of purchase instead told me to come back & get coupon applied. I had no additional time to argue nor request Supervisor at that time. So next time i had business in the area i return items in this purchase PLUS, requested SUPERVISOR to apply my 15 % XX/XX/XXXX & i told Supervisor HOW ORIGINAL CASHIER REFUSED COUPON. Supervisor told me, that cashier was TERMINATED. Then Supervisor agreed to HONOR my items to be Returned & ALSO SAID SHE WOULD HONOR 15 % XX/XX/XXXX COUPON IF I COULD BE PATIENT. I was very very patient. The Supervisor STRUGGLED YO GET CASH REGISTER SOFTWARE TO ACCOMPLISH ALL THESE THINGS. In doing these multiple TASKS, it would actually created 4 to 6 more TRANSACTIONS BEFORE ALL WAS FINALLY ACCOMPLISHED!! Supervisor even at one point HAD TO RETURN ALL THE MULTIPLE ITEMS IN ORIGINAL ENTIRE TRANSACTION ; then she re ran items i kept and NEXT Supervisor APPLIED 15 % XX/XX/XXXX COUPON TO EACH ITEM WITHIN ENTIRE TRANSACTION = a minimal price as a GRAND TOTAL!!! Yet when i checked my Discover Bank ET AL checking account- DISCOVER BANK TOOK CREDIT ( REFUNDED TRANSACTIONS ) and applied them as PURCHASES TO MY CHECKING ACCOUNT BALANCE, in turn causing me to pay double or triple toXX/XX/XXXX. I wrote through tge SECURE MESSAGE CENTER IN MY DISCOVER BANK APP, to explain to bank so they could investigate and CORRECT THEIR INTERNAL ERRORS FROM PURCHASES TO CREDITS. As a response from DISCOVER BANK ET AL I WAS TOLD they needed 45 to 60 days to LOOK INTO THE MATTER. Finally we have arrived at XXXX, and STILL NO CORRECTIONS, NO CORRECTED CREDITS ABSOLUTELY NOTHING! I took my time writing through THEIR SECURE MESSAGE CENTER IN MY EFFORTS TO ACCOMPLISH MY DUE DILIGENCE & CLARIFY EACH STEP TAKEN & the GRAND TOTAL WHICH I WAS RESPONSIBLE TO PAY XX/XX/XXXX-AGAIN ONLY TO BE IGNORED, NEVER RESPONDED TO, i even sent one secure message to attempt to give them something to be grateful for & show appreciation for by explaining- when i saw Discover Bank ET AL OFFERED FREE CHECKING with FREE CHECKS, i encouraged another person who resides 16+ hours away to JOIN DISCOVER BANK ET AL. So when WE BOTH OPENED OUR ACCOUNTS I THOUGHT THIS WOULD TRANSFORM OUR BANKING LIVES FOR THE BETTER- NOW IT APPEARS FROM ALL MY WORK, that they like to CAPITALIZE OFF FIXED INCOME INDIVIDUALS FOR THEIR PROFITS WHILE TRYING TO KEEP WHAT THEY THINK ARE UNEDUCATED POOR DISABLED PEOPLE DOWN. Wrong. When i have walked on, Taken Advantage of i am HAPPY TO SOCIALLY INFORM AS MANY PEOPLE AS POSSIBLE- ALL PEOPLE DESERVE TO HE TREATED EQUALLY UNTIL THEY DEMONSTRATE BY VIOLATING THE LAWS. I have VIOLATED ANY LAWS, i have ONLY CONDUCTED NORMAL BUSINESS TRANSACTIONS, including RETURNS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 2025-01-28 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: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-28 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: OH

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
I hope youre doing well. Im reaching out because I recently noticed an unfamiliar credit inquiry on my report. I want to make it clear that I never gave permission to this company to pull my credit report, and I believe this inquiry is both unauthorized and fraudulent. To be transparent, I have not had any interactions with this company, nor have I applied for any services or credit with them. Therefore, this inquiry was made without my consent, and I am requesting that it be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MS

Complaint narrative:
I am the author of this complain and I have attached my forms of ID below as proof. 

I have checked my credit report and saw some account activity that was being reported inaccurately. I reached out to XXXX, Transunion and XXXX to dispute these items because according to my research, the CRAs are required to conduct a reasonable investigation as stated in 15 USC 1681a. The furnishers of these accounts are also required to cease reporting to the CRAs if the information is in fact, inaccurate according to 15 USC 1681s-2b

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 2025-01-28 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: MS

Complaint narrative:
I am the author of this complain and I have attached my forms of ID below as proof. 

I have checked my credit report and saw some account activity that was being reported inaccurately. I reached out to XXXX, XXXX and Equifax to dispute these items because according to my research, the CRAs are required to conduct a reasonable investigation as stated in 15 USC 1681a. The furnishers of these accounts are also required to cease reporting to the CRAs if the information is in fact, inaccurate according to 15 USC 1681s-2b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2025-01-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX, XXXX XXXX TX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Experian I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XX/XX/XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-01-28 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: WI

Complaint narrative:
I am very upset that I see these unauthorized inquiries on my credit report they need to removed immediately so I can buy a home. I thought my information was being protected by the Fair Credit Reporting Act consumer law. This is a defamation of character and is causing emotional stress because I take my credit report serious. Please remove these inquires off my report please. I have attached the FTC report as well! 

XXXX XX/XX/XXXX XX/XX/year>2024 XXXX OF XXXX XXXX/XXXX/2024 XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX/XXXX/2024

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear CFPB, I am writing in reference to Citibank. After reviewing the business ' response, I find that it has not adequately resolved my complaint for the following reasons : 1. The {$41.00} late fee charged contradicts the CFPB rule finalized on XX/XX/XXXX, 2024, which caps late fees at {$8.00} for large credit card issuers. 

2. The application of a 29.990 % Penalty APR after a single late payment violates the CARD Act, which requires a 60-day delinquency before applying a penalty APR to existing balances. 

3. The 60-day notice period for the APR change XXXX XX/XX/XXXX, to XX/XX/XXXX ) may not meet the 45-day notice requirement when accounting for mailing time.

4. Citibank cited " credit performance '' as a reason for the APR change without providing specific details, potentially violating the CARD Act 's requirement for specific reasons for adverse actions.

5. The {$41.00} late fee suggests Citibank may still be using an inflation-adjusted amount, which is prohibited by the new CFPB rule.

These issues indicate that Citibank may not be fully compliant with the latest CFPB regulations and CARD Act requirements. I request that the BBB further investigate these potential violations and assist in resolving these discrepancies with Citibank.

Thank you for your attention to this matter.

Sincerely, [ Your Name ] Citations : [ 1 ] https : //www.youtube.com/watch? v=XXXX [ 2 ] https : //justicedirect.com/post/company-complaint-new-york [ 3 ] https : XXXX [ 4 ] https : //www.findlaw.com/legalblogs/small-business/what-happens-after-a-XX/XX/XXXX-complaint/ [ 5 ] https : //justicedirect.com/post/when-should-you-file-a-XX/XX/XXXXcomplaint [ 6 ] https : //ag.ny.gov/file-complaint/consumer [ 7 ] https : //wwwXX/XX/XXXX.org/process-of-complaints-and-reviews/complaints [ 8 ] https : //www.youtube.com/watch? v=Pveq-nNIIxo

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
There has been no progress on CFPB complaint XXXX. I can't log on to Experian. Why? my account got hacked and the bad guy reset the recovery email to some email I have never heard of and don't have access/control over. When I contact Experian the AI robot puts me in a doom loop to recover my account access through the same email address that has nothing to do with me. When I get a person, they forward me to the doom loop AI robot who sends a recover password to the same email that I have no control over. doom loop. over and over. Doom loop

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
There has been several occasions when i have tried to file a complaint or submit a claim for scams or unauthorized transactions. Although i do not have specific dates i do remember specific situations. I have purchased clothing or items from particular websites or XX/XX/XXXX but found out it was a scam so i would go through cash app to get a refund and was NEVER able to get ahold of anyone. They always informed me to talk to the issuer. But I was never able to speak or get anyone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am writing to express my extreme dissatisfaction with the handling of a fraudulent account that has been erroneously associated with my credit report. Despite being a loyal XXXX customer for over 10 years with current account, this fraudulent account continues to appear on my credit history, causing significant damage to my credit score.

I have submitted the requested fraud documentation four times since 2021. Each time, I have received confirmation that the account was not mine and would be removed from my credit report. However, the issue persists. 

I request your immediate attention to this matter. Please investigate and permanently remove the fraudulent account from my credit report. If this issue is not resolved promptly, I will be forced to seek legal counsel and pursue appropriate action to address the damages caused by this error. 

Thank you for your time and attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: OK

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-28 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: SC

Complaint narrative:
I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.

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 2025-01-28 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: DE

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-01-28 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: DE

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports show a XXXX XXXX account. Experian account lists it as XXXX. The date opened was XX/XX/year>2023. 

I am writing to formally address a concern regarding my account with XXXX, which was referred to collections. According to previous communication from one of XX/XX/XXXX collection agencies, I was assured that once the outstanding balance was paid, the collection account would be removed from my credit report WHEN I TALKE TO THEM ON THE PHONE. I have since made this payment ; however, the account is still listed in my credit file. 

I would appreciate immediate clarification on this matter and request confirmation that the account will be removed as promised. In addition, if there was an error or oversight in processing the removal, I kindly ask that XXXX take the necessary steps to ensure the account is removed from my credit report without delay. 

As I have already taken the required steps in settling the debt, I am seeking a resolution to this issue promptly. Should I not receive a satisfactory response or resolution from XXXX. 
Please advise on the next steps and provide confirmation of the actions being taken. 

Thank you for your prompt attention to this matter.

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 2025-01-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: NJ

Complaint narrative:
I was fraudently charged over 30 times for over {$550.00}. I am a XXXX XXXX  on fixed income and need the money for food and rent. XXXX and Google pay each say they are not responsible by email. Conveniently they have no phone number. I want a hearing or arbitration as they will not appear with 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 explanation