vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XX/XX/year> Started sign up for account registration with Experian. Account registration did not complete process. Tried to resolve repeatedly. Unsuccessful each time. 
XX/XX/year> Made numerous phone calls to various numbers listed on Experian website. Each number only allows access to an automated system. There is no option for speaking with a human to sort out a problem like finishing account registration. 
XX/XX/year> Tried to complete account registration online and by telephone. endless loop of automated system that provides no option for my issue or speaking with a human. 
XX/XX/year> More phone calls and online attempts to resolve issue. Impossible to resolve thru Experian phone or online methods. Submitted online chat on XXXX XXXX. Described problem. No response. Additionally, I read some other comments from other Experian account holders. It appears that Experian has no intention of ever providing a way for contacting someone with the knowhow to solve a problem. 
In my opinion, Experian does not serve its purpose of allowing consumers to protect their credit rating. Experian seems at best inept and possibly even fraudulent in claiming that they help consumers protect their credit rating.

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 2024-09-03 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: PA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A. State i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-09-03 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: PA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A. State i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: TX

Complaint narrative:
This is my Grandmothers account who passed away in XXXX, it should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: KY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-03 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: NC

Complaint narrative:
( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of auto loan opened at XXXXXXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at XXXX  on XX/XX/XXXX Account number ( XXXX ) ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, I noticed unauthorized credit inquiries on my credit report from SYNCB AMAZON XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX. I did not give permission to these companies to access my credit. As soon as I saw these inquiries, I contacted each company to dispute the unauthorized activity. I also reported the incident to the credit bureaus and filed a report with

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 2024-09-03 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2024, I noticed unauthorized credit inquiries on my credit report from XXXX XXXX XXXX, XXXX XXXX, DIGITAL FEDERAL CRED, XXXX XXXX  XXXX and XXXX XXXX. I did not give permission to these companies to access my credit. As soon as I saw these inquiries, I contacted each company to dispute the unauthorized activity. I also reported the incident to the credit bureaus and filed a report with

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 2024-09-03 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: NJ

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-09-03 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
On XX/XX/XXXX, I spoke to a representative of XXXX XXXX XXXX XXXX. On this call, I requested credit validation. I also stated to the representative that this also reporting inaccurate since the account charged off in XX/XX/XXXX and is also being reported as a collection through XXXX and XXXX. It has been over 30 days and I have not recieved and sort of credit validation documents nor has any inaccurate information been updated. This account is unverifiable and is reporting inaccurately on my credit report. Therefore, should be deleted/removed 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 non-monetary relief
Consumer complaint received 2024-09-03 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:
On XX/XX/XXXX, I spoke to a representative of XXXX XXXX XXXX XXXX. On this call, I requested credit validation. I also stated to the representative that this also reporting inaccurate since the account charged off in XX/XX/XXXX and is also being reported as a collection through XXXX and XXXX. It has been over 30 days and I have not recieved and sort of credit validation documents nor has any inaccurate information been updated. This account is unverifiable and is reporting inaccurately on my credit report. Therefore, should be deleted/removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: MI

Complaint narrative:
XXXX  XXXX Account Number : XXXX I am writing to request a detailed description of the verification method followed by your agency to verify this account as it doesn't belong to me. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681l, credit reporting agencies must provide a detailed description used to verify reporting within 15 days. I have already written and mailed certified letters to XXXX XXXX XXXX XXXX XXXX and have received no response as of yet. Please Delete this account completely from my profile ASAP. XXXX has already acknowledged the error and has updated my credit report with their bureau. I'm requesting that your bureau do the same thing and update 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 non-monetary relief
Consumer complaint received 2024-09-03 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: GA

Complaint narrative:
I am not associated with these inquiries, nor do I have any connection to the mentioned creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: MN

Complaint narrative:
I didn't consent or signed off on any debt to be handled by a XXXX  party. I also paid off debt that still shows on my credit which should of been deleted. Also to include that my social has been breached as well as millions others like me who are now under 15 usc 1681 because of this. Which Disclosure of consumer reports Consumer reporting agencies can not prohibit users from disclosing the contents of a consumer report to the consumer, in which they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: DISCOVER BANK
State: IL

Complaint narrative:
Hello, I am reaching out because someone tried to open a few different credit card accounts in my name. I was alerted about the fraud by XXXX ( my actual bank ), via their credit monitoring service, that multiple hard inquiries were done on my credit. Hard inquires were done by XXXX, XXXX XXXX, and Discover on my XXXX report. XXXX also pulled my XXXX report. The aforementioned applications are fraudulent. I reached out to the credit bureau 's and froze my credit ( the hackers/fraudsters who are impersonating me tried to open an account with XXXX while my credit was frozen but it appears that inquiry was blocked accordingly ). I also reached out to each of the institutions listed above to alert them about the fraud. According to the companies, those applications were marked as fraudulent and are in the process of getting pulled from their systems or an investigation was started by each company. That being said, in order to dispute the hard inquiries on my credit reports I needed to file a complaint with the FTC. When I tried I got transferred over to this website and that basically bring things up to the present moment. With this, I filed a police report with the XXXX Police Department earlier today to make sure all of my bases were covered. I can provide the report number or a copy of the police report upon request. I hope this can help resolve things somewhat cleanly since this is the second time someone tried to open accounts in my name in the past year. I was told fraud alerts were sufficient deterrents against this problem and though they were a good first line of defense, freezing my credit seems to be the only thing that will deter these fraudsters. I make a modest living and I worked for years to get my credit into a good place. Having that tanked by bad actors would quite literally ruin my life. I will be keeping my credit frozen for the foreseeable future and I recommend everyone does the same whether or not they have experienced a situation like mine yet. Thank you in advance for helping to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: NJ

Complaint narrative:
After mailing Experian a dispute letter asking them to investigate accounts and information that's being reporting inaccurately and unlawfully, they have yet to respond to me with any updates about an investigation nor did they fix any of the errors. I am aware that it is their duty to be compliant with the laws that they agreed to in which they failed to do what's fair and equitable for me as a consumer. The information listed in my dispute letter can not legally be verified inn where there is no signed contracts, agreements, or receipts between me and the creditors reporting the alleged debt. How can they report any account if by law there must be proper verification? How can I owe a debt without a proper agreement or contract set in place? By them reporting these accounts without my consent to share my personal information, there creditors listed in my dispute is in violation of violation my right of privacy. I mailed them a letter asking them to cease all communications with me in which they are legally supposed to stop contacting me which means stop reporting this account through any medium. Violations committed by Experian and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.

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 2024-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Last week around XX/XX/XXXX my wife tried to make a withdrawal from a joint savings account we have. The withdrawal was reversed and we weren't aware until she logged into the Marcus app to see the status of the transfer. She tried to call to see what the issue was because we did miss the call. The original rep was able to verify her info and see our account. They had to transfer her to the Marcus Security analyst in order to verify her further. The security team asked for a phone number to send a text to in order to verify, we gave them both her number and my number that are listed on the account. they stated the numbers were not valid. Being that we live in New York they weren't able to use our drivers license either. They stated they had no other way to verify my wife so they had to open a case. When asked if they can provide written document stating the issue they could not do that. When i called they stated there was no issue on my end but wouldn't allow me to make any transfers from the joint account. For Marcus to be holding our money without giving us a valid reason to why they cant allow us access to the money doesn't make sense. I asked if I could close the joint account and they said I can't due to the issue they have with my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have the Wells Fargo Reflect Visa Credit Card. It offers an introductory APR period of XXXX  months, with the final XXXX months contingent upon 18 months of on-time payments. These XXXX additional months are advertised as " extension months. '' Since opening the account, I have consistently made on-time, automatic payments from the same checking account. These payments are typically processed on the XXXX of each month. 

On XX/XX/year>, I increased my automatic payment amount from approximately {$100.00} to {$350.00}. Because of this change, my account wasn't current until the XXXX billing cycle. 

Wells Fargo claims that canceling my automatic payment and then reinstating it at a different amount on the same day was not sufficient time for proper processing. As a result, they have denied me the XXXX extension months. I have contacted customer service multiple times to resolve this, emphasizing my on-time payment history using the same payment method. I believe denying the extension months is a predatory practice simply because I updated my automatic payment amount. 

I request that Wells Fargo honor the extension months, considering my relationship with the bank and the fact that : * I have consistently made on-time payments. 
* I increased, not decreased, my payment amount using the same bank account. 
* I reinstated the automatic payment on the same day, showing a good faith effort was made to keep my account current. 

Thank you for your 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 non-monetary relief
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
Violation of my right to privacy as provided in the attachments provided to CFPB and Experian I XXXX t give permission for those accounts to be published

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 2024-09-03 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: AL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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