vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. 

Here are a few inquires that I found on my credit report : XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/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 2024-01-24 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: MS

Complaint narrative:
I have 13 hard inquiries on my XXXX and 29 hard inquiries on my TransUnion that I did not authorize and according to the FCRA, these unverified and unauthorized items must be removed.

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XXXX I called Chime and prompted until I was finally able to reach a live person. Informed that I received a card at my address with my name and that I never applied for a card. Person took my info and I got switched to the fraud department. Fraud department insisted on my last 4 ssn for verification, refused to supply. Finally agreed to close account after I gave them account number from form attached to the unsolicited card and my email. Emailed was received stating that account for card was closed and that they will no longer do business with me. Really.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I am attempting to obtain a mortgage. My credit is less than perfect due to medical collections on my credit report. I called Smith Rouchon & Associates ( SRA ) on Wednesday, XX/XX/XXXX to pay a medical debt of {$740.00}. I was notified I had other collections with them, one of which was {$4.00}. One debt of {$900.00}, I was already aware of because it was on my credit report. While attempting to obtain a mortgage, the mortgage company used a credit advisor to direct me as to which debt to remove immediately to increase my score. So my plan was to pay the ones they advised me to pay immediately, and work out a settlement for the rest. When I paid the XXXX debt in full, I asked for an accounting of the debts so I can get started on them. This email was sent to me. I called and asked for a receipt that showed that the XXXX debt was paid with a XXXX balance and to receive the accounting separately so that this debt can be updated and removed from my credit. XXXX XXXX XXXX at SRA said she would get with a " carrier '' to send it. I've made this request 3 times and each time I keep receiving a receipt with remaining balances to the other debts. XXXX XXXX XXXX told me that the other reports will show up on my credit report even though this one is paid. This is a false statement because a debt of {$4.00} can not show up on credit reports and I have several copies of my own credit report. Even if this was true, paying off debts will still increase my credit score. I advised XXXX XXXX that these debts are to removed immediately and I do not have time to wait 30 days which is why I need a receipt. I waited overnight and received yet again, the same copy. Today, XXXX XXXX again, told me the debts will show up on my credit report and she wil " try to separate them '' to get a XXXX balance. She stated the company I'm working with is trying to keep the other debts from showing up on my credit report by asking for this type of receipt. I took offense to that because this is not attempt to cover up anything, but to remove now PAID debts from my credit report. I told her I was working with a lender to remove the debts to increase my score as I stated before and reminded her I asked for the itemization so I could pay them. I haven't even received notification that the debts were even with SRA to begin with. XXXX XXXX said the debts are " tied to my social '' so it's difficult to send a separate receipt. I told her the lenders are different, and this has held me up because each time I ask for a receipt I have to wait a whole day for a piece of paper. XXXX XXXX and SRA has made it easy to pay debts, but difficult for clients to receive relief by paying them. It shouldn't be this difficult to get a medical debt removed from my credit after it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it explicitly mandates that consumer reporting agencies, such as Experian, XXXX and XXXX must conduct their responsibilities with fairness, impartiality, and respect for the consumers privacy rights. As the consumer, I assert my right, supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must continuously respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, classified as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in line with the written instructions of the concerned consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, Experian, XXXX and XXXX lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, be it verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of XXXX5 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), Experian, XXXX and XXXX are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. XXXX and Experian are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. Experian, XXXX and XXXX are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.

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 2024-01-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This serves as my formal complaint to BANK OF AMERICA. I am writing you and your company with a goodwill request. I have kept a good paying history with you. I noticed a late payment on my credit report which is a result of a payment misunderstanding. I typically have my account on automatic payment but misunderstood how the online system worked. Im asking as a long-time customer to please remove the late payment dated XXXX, XXXX  since it has been settled.

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 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland is saying I owe {$2100.00} to them. I asked for proof the debt was mine, original agreement signed with the original creditor, documents how Midland acquired the debt, proof that they own the debt. All I received was a copy of XX/XX/2022 statement from the original creditor. Now I'm in court fighting a debt collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Finally found a bank that would allow me to open a bank account Citibank. I deposited {$50.00} process a couple transactions even. I had to check from XXXX XXXX for a refund of my dentures because I had to pay cash {$3500.00} because my insurance company XXXX XXXX was committing fraud with the XXXX XXXX XXXX in XXXX XXXX by approving excessive appointments and assessments which the lowest assessment being {$4600.00} which is still for higher than what XXXX XXXX charge me the {$3500.00}. I had a very hard time finding anybody to give me a bank account so I was pretty happy with Citibank allowed me to open up a checking account well the minimum deposit in an ATM because there is no branch in Iowa for Citibank is {$2000.00} The check again was {$3500.00} I was told by a Citibank live chat support person to mail my check to Citibank Bank by mail XXXX XXXX XXXX in XXXX XXXX Texas and I did exactly that. I called them a few days later to confirm that they received the envelope in the mail containing my {$3500.00} check from XXXX XXXX. They confirmed did they had received my check. They also informed me that they were closing my checking account. They would not provide any information as to why. But they asked me many questions about this XXXX XXXX check even why they were issuing me a check at all I answered all their questions and they told me that they were going to close my account and they were not going to mail me back the check and in fact I've got a recording from last time I spoke with someone up from Citibank they told me that the check from XXXX XXXX in XXXX New York for which XXXX XXXXXXXX XXXX  was a bad check. The same day I received an email from XXXX XXXX of XXXX XXXX who had received the deposit receipt from XXXX which clearly shows that my check was deposited into a an account with the routing number XXXX account number XXXX. Although it's not my account I have no access to it they do not that this check has been deposited I will attach the receipt of deposit from XXXX I will attach the Citibank letter saying they're closing my account and I want my money Citibank is obviously lying because I've got the statement from key Bank the bank for which the issuer XXXX XXXX XXXX with and the bank deposit slip and yet Citibank will not explain to me way this money got deposited into this weird account and claim that they have no check of mine. I want my money now it's citibank 's problem not XXXX XXXX not XXXX XXXX not XXXX XXXX Not 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 non-monetary relief
Consumer complaint received 2024-01-24 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: MS

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2024-01-24 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: MS

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I'm in the process of getting a home so I recently started paying close attention to my credit report and started building my profile as I realize there was a closed credit card on my credit report from well Fargo, but what was strange was not only the account was fraudulent, the account wrote down a fraudulent name, my name is XXXX XXXX but the account is under XXXX XXXX, but my social was used to acquire this credit card and I'm writing this report to have this removed immediately it has caused my financial stress.

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 2024-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
I opened an credit card account with discover bank in XX/XX/2022, the card was received, but I never called to activate it, I still have my card with the XXXX XXXX XXXX. 
The credit card was used and spent {$8300.00}, I never received a statement to my address in which I am living for more than 40 years, after 9 monts I received a phone call from Discover Bank stateting that I owe the that amount of money, since them I have been trying to get my statements because I received citation form XXXX XXXX XXXX but the discover bank told me they can not provide the statements because they already send them to the XXXX XXXX XXXX XXXX XXXX. I send email to the attorney and they have not provide the statements either. 
Please helpme because I am a fraud victim. the address the bank have on file for the amount owed is different from mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX and XXXX XXXX alerted me to new credit activity on the morning of XX/XX/XXXX. I noticed that a Credit Inquiry was requested by Capital One, and I have not applied for any new Credit or any Loans. I don't have an open account with Capital One as well ( I have a closed Car Loan from them that was closed in XXXX ). I called Capital One and inquired about the XXXX XXXX on XX/XX/XXXX ( twice ), and they were not able to provide any information. I spoke with XXXX, and they placed a fraud alert on my XXXX account. Also spoke with XXXX XXXX, and they are doing the same. Both agencies advised me to call Capital One, which I had already done to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TX

Complaint narrative:
West Lake Financial - call harassment The issue started around XXXX XXXX. I get calls starting at XXXX XXXX on weekdays, weekends, and holidays. I have done lots of troubleshooting by interviewing West Lake employees and supervisors. The employee said that they added me to the do not call list, but the problem persisted. I have spoken to various supervisors both nicely and very upset. I have confirmed that West Lake does not show my number in any of their systems so they can not add me to the do-not-call list. A supervisor on one of my sweet calls confirmed to me that they get lots of calls like mine of people upset because of continued calls at all times, but there is nothing they can do because they can not find an account or number so they lie telling them that they placed them and do not call list but calls continue. Since the calls continue, I pursue getting to the top of Werst Lake to inform them and try to get them to correct the problem. I successfully got in touch with XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been collaborating and asking them for help since XX/XX/XXXX. After pushing I have received acknowledgment from XXXX and XXXX. But said that they will look into this. After continued pushing and follow up they concluded that there is nothing they can do as they can not find the bug in their system that continues to call. 
XXXX XXXX said on XX/XX/XXXX, " We have searched all our records and do not show us calling your number. As previously stated, a customer of ours is forwarding our calls to your number. If you have an account number or name of the person we are trying to call, we can place that number on Do No Call. '' I replied on XX/XX/XXXX, " As I previously stated, thats highly unlikely. But, if that is the case, the call originates from your company, and West Lake should be responsible to stop it, so please own it. I am very tired of the daily harassment for months now. I guess you are telling me that is time to move on my escalation to the FTC. Thank you and I will pursue other and ALL avenues as I have reached the top of the leadership of your company with no ownership of the problem. I will continue to push until I find a resolution and get this harassment stopped, this is not right. '' I need help to stop this. The calls originate from West Lake which has been proofed. I am the victim of these harassment calls and they need to find the bug in their system at all cost.

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I applied for the GM Business Mastercard and uploaded my passport card as identification. I received an email stating only a driver 's license or state ID can be used. 

I am XXXX and do n't drive and use my passport card or passport for ID since it lasts 10 years and I don't have to keep renewing every few years. 

GM customer service refused to accept a federal ID that I have used for employment, to open a bank account, to fly around the world, and to fly within the United States. 

This harms people that are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
I hope this message finds you well. I am writing to express my concern and submit a complaint to TRANSUNION regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, TRANSUNION will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

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