vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: ND

Complaint narrative:
Dear Discover Customer Service, I am writing to formally dispute charges related to the Payment Protection plan that I have been enrolled in for over 7 years on my Discover account, incurring a monthly fee of {$69.00}. I was under the impression that these payments would provide support in times of financial hardship, yet I have never utilized these services and believe I was misled regarding the actual value and availability of this product.

On one occasion when I did experience financial difficulty and missed a payment, Discover reported these late payments to credit bureaus without ever contacting me to discuss activating the Payment Protection plan I had been paying into consistently. This lack of communication about my options under the plan has led to unfair credit reporting that could have been avoided had I been informed of the available benefits. I find this failure to notify me highly concerning, especially given that Discover has previously been penalized by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Deposit Insurance Corporation ( FDIC ) for deceptive practices related to this very program.

Given these circumstances, I am formally requesting the following actions from Discover : Full Audit and Itemized Statement of Charges : Please provide a detailed breakdown of all Payment Protection fees applied to my account since enrollment.

Refund of Unused Charges : Since I have not utilized any Payment Protection benefits, I am requesting a refund of all payments made toward this program, which total {$5800.00}.

Immediate Discontinuation of the Payment Protection Plan : I no longer wish to be enrolled in this service and request its immediate cancellation with no further fees applied to my account.

Correction of Credit Report : Given that I was not informed of the Payment Protection benefits that could have covered my payments, I request that Discover work with the credit bureaus to remove any negative marks associated with these late payments.

I am also submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to investigate whether these charges and Discover 's actions align with their regulatory obligations and to seek any additional support available for refunding these payments and correcting my credit report.

Please address this matter within 30 days of receiving this letter.

Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I mailed a letter to this company requesting debt validation on the debt they are inaccurately reporting on my credit report. They have not provided proper documentation validating this debt or chain of assignments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've asked Capital One, XXXX, XXXX and XXXX To remove late payments from my consumer report.Because these late charges are clearly being inaccurately reported. Capital one has failed to show proof of late payments and they violated 15 U.SC 1666b as Capital one has never sent me a notice 31 days before any of these so call late payments. 
I have sent several levers to Capital One, XXXX, XXXX, and XXXX proof of the inaccurately reporting and misleading information. I will be Exercising my rights and taking legal action, if this false information isn't removed immediately from my consumer report. How can a payment be both late and on time in the same month? How can a payment be both 30 days and 60 days late in the same month? Capital One is inaccurately reporting a total of 7 late payments. By Capital One, reporting this inaccurate and false information to my consumer report, this has adversely affected me, and caused me hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
The account is reporting the incorrect amount due. Not to mention, my credit report shows this as charged off, and I never received a 1099. I would like the 1099c because the credit report shows it as a charge-off, and that's not how it's being reported. Under the FCRA, my rights are being violated. I've tried to dispute this through individual bureaus, but no action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To Whom It May Concern, I was hired as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, '' located at XXXX XXXX XXXX, XXXX, FL. On XX/XX/year>, I was asked by the XXXX department to deposit a XXXX XXXX XXXX check for {$7300.00} into my JP Morgan Chase account to purchase office equipment. The reason provided was that employees would own the equipment after the probationary period, saving paperwork. After the check cleared, I was instructed to make two wire transfers : {$4800.00} and {$2500.00}. The transfers were completed by XX/XX/year>, with a {$25.00} fee per transfer. Soon after, I was asked to deposit another check, claiming it was for discounted equipment. I questioned why the funds already transferred werent sufficient but followed instructions. When the new check was placed on hold, I refused to use my own funds for purchases. Later, I was notified by my bank that my account was overdrawn by - {$5600.00} plus my initial {$1600.00}, and that the initial check had been deemed fraudulent. Despite contacting the fraud prevention department, I found my balance locked, and I might be held liable for the wire transfers, which would overdraw my account. I refuse to accept responsibility for this as the bank made funds available from the deposit of the first check. If this did not take place, none of this would have happened with the wire transfers. I can provide documentation such as my Employment Offer Letter, welcome email, and my correspondence with the HR representative. My claim with the bank was denied and the wire transfer department has notified me that the wire transfer recipients refused to send the money back. This incident has been reported to the FBI, local police ( Incident # : XXXX ), and the FTC. I would like to recover my initial balance prior to the incident in the amount of {$1600.00} as a resolution of this issue. Please let me know if you have any questions. If the bank did not make the fund available the situation with wire transfer would never had happened, regardless of whom initiated the wire transfers. I files a complaint with XXXX and the bank showed a complete lack of interest to resolve this issue blaming it on me. When the first check was deposited I called the fraud department and inquired if this check could be fraudulent and was told that if this is the case, I would not be help responsible because I have been a long time customer with the bank. I also Complained to FBI, Local Police, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: VA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: FL

Complaint narrative:
I received a response from Experian stating they verified an account as accurate. I looked at my credit report today XX/XX/year>, and still see incomplete and inaccurate information. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. ( See Attached ) USBK Court - XXXX - Information is reporting inaccurate and is still not correct. 

So I request a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 and 15 USC 1681i ( 5 ).

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 2024-10-27 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: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.

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 2024-10-27 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: IL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.

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 2024-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Turner Acceptance Corp.
State: PA

Complaint narrative:
I would like these inquires to be deleted off my report because I did not authorize these companies to run my credit these accounts is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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:
The account with number XXXX is not mine. The only legitimate XXXX account I have is associated with XXXX. My personal information was compromised in a data breach, which led to this unauthorized account being reported. I request the immediate removal of this account from my credit report. Your reporting is both negligent and inaccurate, violating the Fair Credit Reporting Act ( FCRA ). Please take corrective action to comply with federal regulations and ensure accurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against [ Transunion ] regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : Incorrect Name : My current legal name is [ XXXX XXXX XXXX ], but it is incorrectly listed as [ XXXX XXXX XXXX ] [ XXXX XXXX ] on my credit report. I request that my name be updated to reflect the correct information. 

Outdated Address : My current residential address is [ XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX ], while my credit report shows an outdated address of [ XXXX XXXX, XXXX XXXX FL XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ]. I request that my current address be updated accordingly. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2024-10-27 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: PA

Complaint narrative:
Im incredibly disappointed to find that accounts are wrongly listed on my credit report with no warning or explanation. I check my report consistently, but this time, the discrepancies caught me completely off-guard. Despite refreshing my browser, these errors didnt go away. Please examine the documents Ive provided thoroughly to restore my peace of mind.

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 2024-10-27 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX I am sending this CFPB complaint and am filling this complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the TransUnion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX  of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX with a balance of {$49000.00} auto loan account opened at XXXX on XX/XX/XXXX, under the account number XXXX a secured loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, and a secured loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$20.00} under the account number XXXX appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX, Under the account number XXXX on XX/XX/XXXX with a balance of {$280.00} A Credit Card account open up with XXXX XXXX  XXXX XX/XX/XXXX, under the account number XXXX, with a balance of {$250.00}, XXXX XXXX XXXX Account on XX/XX/XXXX, XXXX under the account number XXXX with a balance of {$59.00}, this have resulted in several fraudulent hard inquiries and fraudulent collections appearing g on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not open, made, or initiated by me. 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 # ( private case number ) 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.

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