vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 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: DISCOVER BANK
State: FL

Complaint narrative:
Around XX/XX/year>, discover locked my card for absolutely no reason. I even called in ahead of time to let them know about a purchase. I have been with them for two months and the moment I use my card, they want to lock it. So I called in and they told me they couldn't send me a XXXX and lied and said my phone number isn't in their system yet when I have been a customer for two months already, so why would it not be. They also wanted to force me to XXXX verification which at the time I could not do because the camera on my phone was broken. I also asked the rep questions about the selfie and why it's not in the policy when signing up for a discover card, The rep didn't have XXXX an answer for me. I also asked is my biometric data going to be stored, the rep lied and said No the data will be deleted, but when I got my friend 's phone to do the selfie verification, It took me to a third party and that third party stated in their policy that they will store my face for 7 years. I don't know how this is legal for a company to lie to customers on a recorded line, I also recorded the call, so I have proof of this. I still did the selfie as I had no choice, but then discover did the worst thing to me. The rep told me I'm verified and my selfie and identification was accepted, but unfortunately they have to send me a XXXX code and the system is not allowing it. So then why force me to do a selfie and lie to me again and tell me I will be good to go after that and my card will be unlocked!? This has to be illegal for a company to lie and lie and lie and put a customer though so much stress for no reason at all. Then the rep said I will have to do Notary, i don't have time for this. This is so messed up and has caused me a lot of stress and emotional damage because I was supposed to pay an XXXX seller and I already sent him an offer that was accepted. So because of that my account could take a strike and face fees, as I couldn't pay the seller. Discover put me in a terrible situation and I don't want to waste anymore time going to get a notary done, just to be lied to again. I want my card either unlocked or I don't want to do business with discover EVER again. I will want to have the hard inquiry I received from discover removed from my credit report aswell.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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 and 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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by 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 2024-05-24 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:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-05-24 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: NY

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: CA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-24 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$4200.00} XXXXXXXX XXXX XXXX Balance : {$26000.00} XXXX, XXXX XX/XX/

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 2024-05-24 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: WY

Complaint narrative:
Despite my previous attempts to rectify these inaccuracies, the errors persist, significantly impacting my creditworthiness. This letter serves as my numerous formal request for the correction of this erroneous entry. Despite these efforts, this account remain inaccurately reported, causing undue harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and free from errors. The continued presence of these late open account on my credit report is a clear violation of the FCRA, and it continues to affect my ability to access credit, secure loans, and make important financial decisions.

I request that could help me to conducts an immediate and thorough reinvestigation into this account, reviewing the documentation I have previously provided and any new evidence that may be necessary. It is imperative that you correct these inaccuracies and update my credit report accordingly without further delay. Furthermore, I expect also for your assistance to notify all the credit reporting agencies to which you have provided this erroneous information, as required by law, to ensure these inaccuracies are not further disseminated. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX Balance : {$29000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: WY

Complaint narrative:
Despite my previous attempts to rectify these inaccuracies, the errors persist, significantly impacting my creditworthiness. This letter serves as my numerous formal request for the correction of this erroneous entry. Despite these efforts, this account remain inaccurately reported, causing undue harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and free from errors. The continued presence of these late open account on my credit report is a clear violation of the FCRA, and it continues to affect my ability to access credit, secure loans, and make important financial decisions.

I request that could help me to conducts an immediate and thorough reinvestigation into this account, reviewing the documentation I have previously provided and any new evidence that may be necessary. It is imperative that you correct these inaccuracies and update my credit report accordingly without further delay. Furthermore, I expect also for your assistance to notify all the credit reporting agencies to which you have provided this erroneous information, as required by law, to ensure these inaccuracies are not further disseminated. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX Balance : {$29000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I have been monitoring XXXX for years preparing for a home purchase. I am able to log in, my info is accurate, and my score is excellent. There is no freeze or fraud alert on it that I can see in my portal. But, when factual data goes to pull it so I can buy my house, XXXX refuses to comply and indicates I need to give a global release. I called XXXX. That doesnt exist. They wont let me lift any freeze, it shows there isnt one, and they stated the only way to get them documents is to snail mail it. This is outrageous. Its not my fault their system wont work. Theyre costing me a house! They couldnt tell me what was wrong. They just told me to mail it. It was a middle finger at me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I am writing to express my continued frustration and concern regarding the unresolved issue of fraudulent items on my credit report. Despite my previous two attempts to rectify these inaccuracies, the fraudulent entries persist, significantly impacting my creditworthiness. This letter serves as my third formal request for the removal of these erroneous entries. Despite these efforts, these fraudulent items remain on my credit report, causing undue harm to my credit profile and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and free from inaccuracies. The continued presence of these fraudulent items on my credit report not only violates the FCRA but also undermines my ability to access credit, secure loans, and make important financial decisions. I urge you to treat this matter with the urgency it deserves and provide a written response within the legally mandated 30-day timeframe, confirming the removal of the fraudulent items from my credit report. I appreciate your immediate attention and also for your help to this matter and your commitment to resolving it promptly. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX  XXXX Balance : {$380.00} XXXX  XXXX XXXX XXXX Balance XXXX {$13000.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX  XXXX XXXX XXXX {$380.00} XXXX  XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX  XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX & XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 2024-05-24 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: TX

Complaint narrative:
I submitted an FTC report to Equifax informing them that inaccurate inquiries were reporting on my credit report. Please remove the following inquiry : XXXX XXXX XX/XX/year>. Please reference CFPB complaint XXXX and remove inquiry in 7 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

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 and 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 explanation
Consumer complaint received 2024-05-24 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: MD

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2024-05-24 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: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: CA

Complaint narrative:
I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX, XXXX 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 2024-05-24 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief