vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On or around XXXX - XXXX I saw a lot of pre approvals on Credit Karma. At first I didnt pay it any attention, but Credit Karma sent emails stating that I was pre approved for credit cards, personal loans, cheaper insurance and car refinancing. I saw these advertisements every time I open the app to check my credit report. I received so many offers stating that I was pre approved that I decided to apply. I even shared the information with my family members. We decided that we would use these pre approved funds to make investments and take a nice vacation. So I applied on or around XXXX for a credit card and a personal loan and was denied. I applied again in XXXX for another credit card. I was highly disappointed due to the fact I was told that I was pre approved. As of today, I am still receiving these emails. I am afraid to apply, because I may be denied again. At the time of applying, I had a pretty high credit score at all 3 credit bureaus. I couldnt understand why I was denied. I was deceived and it pissed me off. I was marketed for months to realize it was false representation on behalf of Credit Karma. I did not receive what was offered. I was highly disturbed by what took place because of the impact that Covid had brought about. But here it is XXXX and Im still being marketed for the same false representation. Credit Karma is not being honest about the pre approved content it is sharing online and through emails. The denials put me in a stressful situation. It created anxiety and added to my XXXX. Now when I see a pre approval advertisement, I immediately turn the other way due to how I was treated by Credit Karma during a crisis in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Factual data sheet attached. CFPB Reference : XXXX Re : Discover See attached the factual sheet : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Equifax Full name XXXX Last XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Former Address : Social Security # : XXXX Home Phone : XXXX Date of Birth : Work Phone None Employer N/A Spouse Name N/A Spouse Social Security # N/A Credit Report Dispute / Account Information Dispute Section Company Name : XXXX Bank Account # XXXX XXXX XXXX Not my account X -- -- Was never late -- -x -- -Account paid in full -- X -- Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was paid in full Company Name : Company Name : -- -- -- - Current status incorrect -- -- other -- -- -- Dispute Explanation : Company Name : Courthouse or Collection Agency accounts : Courthouse or Collections Agency Case number for courthouse records only -- -- Not Mine ( explain ) -- -- -- Satisfied -- -- -- Released -- -- -- -Dismissed -- -- -- Discharged -- -- -Collection was paid -- -- -Other ( explain ) I certified that all information above is true and factual. 
Signature XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. Telephone XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX. Telephone XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
FOUR INSTALLMENT LOANS FOR THE SAME THING? ONE SAYS IT WAS CLOSED IN XXXX I WAS SICK DURING THE PANDEMIC FOR A YEAR WITH COVID 19 3 TIMES, I HAVE NO RECOLLECTION Payment Information Payment Status Collection/Chargeoff Past Due Amount {$130.00} Highest Balance {$1400.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms 12 Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX {$3900.00} XXXX, XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Credit Usage You're currently using 112 % of your credit limit. 

30 % ( Stay below ) 112 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$3500.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$640.00} Highest Balance {$3900.00} Monthly Payment {$120.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX XXXX -- Creditor Name XXXX, XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX {$1800.00} TAB/SUNBIT XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Installment sales contract Date Opened XX/XX/XXXX Credit Limit -- Payment Information Payment Status Collection/Chargeoff Past Due Amount {$920.00} Highest Balance {$2300.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX everything looking correct XXXX 
If not, you can report an inaccuracy.

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
FOUR INSTALLMENT LOANS FOR THE SAME THING? ONE SAYS IT WAS CLOSED IN XXXX I WAS SICK DURING THE PANDEMIC FOR A YEAR WITH COVID 19 3 TIMES, I HAVE NO RECOLLECTION Payment Information Payment Status Collection/Chargeoff Past Due Amount {$130.00} Highest Balance {$1400.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX/XXXX  Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX {$3900.00} XXXX, XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Credit Usage You're currently using 112 % of your credit limit. 

30 % ( Stay below ) 112 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$3500.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$640.00} Highest Balance {$3900.00} Monthly Payment {$120.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information XXXX XXXX XXXX XXXX XXXX -- Creditor Name XXXX, XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX {$1800.00} TAB/SUNBIT XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Installment sales contract Date Opened XX/XX/XXXX Credit Limit -- Payment Information Payment Status Collection/Chargeoff Past Due Amount {$920.00} Highest Balance {$2300.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms 12 Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX/XXXX  Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX everything looking correct XXXX 
If not, you can report an inaccuracy.

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 2022-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NV

Complaint narrative:
I DONT OWN A BUSINESS AND DID NOT APPLY FOR A CARD SICK DURING XXXX FOR A YEAR AND A HALF {$5300.00} DISCOVERBANK XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$600.00} Highest Balance {$5300.00} Monthly Payment {$160.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Dispute resolved ; customer disagrees Creditor Name DISCOVERBANK Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
I received a collections notice from The Thomas Agency on behalf of XXXX XXXX XXXX XXXX on XX/XX/XXXX, notifying me of a debt in the amount of {$680.00}. I disputed this debt via letter on XX/XX/XXXX, but never received a response. In XX/XX/XXXX I went to apply for a personal loan through my bank, and was not approved due to this outstanding debt on my credit report. I contacted The XXXX Agency via phone on XX/XX/XXXX, and was told that they had mailed me a copy of the itemized invoice for my debt shortly after receiving my letter in XX/XX/XXXX. I reported that I had never received this documentation, and after verifying The XXXX Agency had my correct mailing address, requested another copy sent to me. The XXXX Agency reported they would mail me another copy ASAP, which I never received. I filed complaints against The XXXX. Agency and XXXX XXXX XXXX XXXX  with the Consumer Financial Protection Bureau on XX/XX/XXXX, but never received a resolution. On XX/XX/XXXX I received a letter from the The XXXX. Agency, including an itemized invoice from XXXX XXXX  XXXX XXXX showing an outstanding debt of {$440.00}. I contacted The XXXX Agency again via phone on XX/XX/XXXX, and was told the debt is in the amount of {$680.00}. I disputed this, as it did not match the documentation I received and it took almost a full year for me to receive this information. The XXXX. Agency told me it took so long because they did not hear back from XXXX XXXX  XXXX, despite my previous phone call in XX/XX/XXXX when a representative confirmed that the information was mailed to me. The XXXX Agency also said that they would be reaching out to XXXX XXXX XXXX again to address the discrepancy in the amount of the reported debt, and they would get back to me. In the meantime, they will put a hold on this debt being on my credit report for 60 days while the matter is investigated. They said that if I did not hear from them within this time frame I should try following up. This issue has debilitated my financial well-being for almost a year now.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In according 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. Account Name : National Credit Systems, Account Number : XXXX, Account Type : Collections, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) 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 ) ( 1 ) A person shall not furnish any information relating to 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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, Account number ( XXXX, Account type : Auto Loan, Midland Credit Management Account number ( XXXX Account type : Debt Buyer, Has violated my rights according to article ( 15 U.S.C 1681 section 602 A. ) states very clearly that I have the right to privacy ( 15 U.S.C 1681 section 604 A. ) also states ( A consumer reporting Agency can not furnish an account without my writing instructions. And article ( 15 U.S.C 1681 c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information as well as any other adverse items of information, other than convictions of crimes which antedates the report by more than seven years. As well as article ( 15 U.S.C 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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My personal information continues to get mixed with my father whose name is XXXX XXXX, XXXX. I continuously request the bureaus to correct my personal information with no results.

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, 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:
The following accounts I have listed below XXXX XXXX  XXXX XXXX XXXX  XXXX My rights have been violated in accordance with the Fair Credit Reporting Act. 

15USC 1681 SECTION 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, 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:
The following accounts I have listed below XXXX XXXX  XXXX XXXX OF XXXX My rights have been violated in accordance with the Fair Credit Reporting Act. 

15USC 1681 SECTION 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
I see that someone is attempting to open accounts in my name I have several inquires that are fraudulent listed on my credit report and i want them off because its fraud these people just get in on my nerves and I have completed a police report and included the FTC report with this complaint along with XXXX forms of ID. Please delete this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, 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: GA

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. 
XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 XXXX years. 

15 U.S.C. 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 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