vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: CT

Complaint narrative:
Upon submitting several disputes with Discover Bank and the credit reporting agencies, I learned that Discover Bank refuses to provide me with a full detailed transaction and payment history. After several requests for supporting documents to validate this alleged debt amount, Discover Bank Representative XXXX, during my last discussion via phone informed me that Discover Bank does not have a full and/or complete transactions and payment history of my account. In addition, he went on to verify that Discover Bank purged my file and that there were no transactions and/or payment history dating back before XXXX XXXX It should be noted for the past XXXX years, I have been disputing with Discover Bank and all three credit reporting agencies to report the correct balance. I told them my issues with the transactions and payments. However, my credit report balance dispute investigations continue to conclude as XXXX. Please note that XXXX, XXXX, and XXXX are no longer investigating my disputes regarding Discover Bank. They informed me to contact Discover Bank directly or I have to subpoena the courts to get my completed proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
- Was provided a 6 month no interest rate on my down payment WITHOUT signing up for a Credit Card ; We explicitly stated we did not want a credit card. When they told us they need to run credit, we were told the application was NOT related to a credit card, but simply to approve us for the offer. I later found Wyndham opened a credit card on my account without my knowledge and after explicitly stating we did not want a credit card only because it was added to my credit report - We were told XXXX points would provide XXXX nights of vacations per year as each night cost ONLY XXXX pts at ALL resorts and this price would never change for the history of my account ; i was told it was locked in and would never change, which is not true - My deed would appreciate on the resale market if I ever want to sell and that I could make a profit similar to other real estate ; I've sought out resale and my pts are worth $ XXXX XXXX- I can rent or sell my pts/days to recoup costs at my will - I would receive unlimited last call weeks for a cost of {$390.00} AND NO ADDITIONAL COSTS ; many of the resorts included in the extra weeks/last call vacations are MORE expensive than buying them directly from the resort/hotel - I would receive GUARANTEED free upgrades on every room I booked for being VIP None of these items are actually true and these were what was sold to me at the presentation in order to get me to sign a contract. We attempted to leave multiple times and were continuously pressured to talk to another representative because we would " never get this good of a deal again. '' At the same time, I was pressured to sign the contract that day despite having a screaming toddler during the legal portion of the meeting. You can review the tape to confirm. I could not hear or understand ANYTHING the lawyer was saying, but felt like I could not leave the signing room. The cancellation policy was also not made clear to me. I felt trapped by this decision with no out within the first 7 days.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Incident Description I am filing this report to document the unauthorized use of my personal information and identity, which has resulted in accounts being accessed, created, or reported to credit reporting agencies without my knowledge or consent. Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). Upon reviewing my credit report, I discovered multiple accounts that I did not authorize, or permit to be reported. These accounts are fraudulent and represent misuse of my personal information. Incident DetailsThis account is important on my credit report twice it shows up as cXXXX XXXX XXXX XXXXXXXX it says payment received XXXX original charge off XXXX status so was charged off XXXX XXXX XXXX XXXX XXXX did they open XX/XX/year> the date closed XXXX XXXX  then it shows up Also under XXXX XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act ) Lack of permissible purpose to access or report my data. 3. 15 U.S.C. 1681e ( b ) ( FCRA ) Requirement to ensure accuracy and verification of reported data. Impact of Fraud The unauthorized accounts have : Negatively impacted my credit report and credit score. Resulted in financial harm and reputational risk. these accounts have damaged my creditworthiness and caused undue stress.and stoping me from becoming homeowner Action Requested I am requesting that this report officially document the unauthorized use of my identity and personal information. This report will be submitted to : Credit reporting agencies ( TransUnion, XXXX, and XXXX ) as evidence to remove these fraudulent accounts. Relevant federal agencies such as the FTC and CFPB, if necessary.

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 2024-12-21 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: MA

Complaint narrative:
I recently discovered alarming inaccuracies and unauthorized actions on my consumer credit report, which I believe stem from a data breach and unauthorized inquiries. These issues include incorrect personal information, accounts, and inquiries that I never authorized. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B and 604. 

I am disputing the following issues : Personal Information Incorrect Name : XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, CT XXXX Incorrect Date of Birth : XXXX Employer : XXXX Accounts Being Challenged XXXX : XXXX Inquiries Being Challenged XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have made previous attempts to contact the entities responsible for these entries, but they have not provided verifiable evidence bearing my signature or electronic signature, as required by FCRA. This lack of compliance further underscores the violations of my rights under FCRA Section 605B and 604.

I respectfully request that these inaccuracies be corrected or removed. Additionally, I ask for the deletion or blocking of these accounts and inquiries in compliance with the law. If this matter is not resolved promptly, I may be compelled to pursue further action to protect my rights.

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 2024-12-21 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: VA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation into Transunion Reporting Practices Dear CFPB, I am writing to formally request your assistance regarding a violation of the Fair Credit Reporting Act by TransUnion. TransUnion has not adhered to the obligations set forth in 15 U.S. Code 1681, particularly concerning the accuracy and fairness of credit reporting. 

I have noticed that my account ( XXXX XXXXXXXX ) related to my XXXX XXXX XXXX XXXX, which was reported in XX/XX/year>. But was deleted by TransUnion Between XX/XX/XXXX, XX/XX/year> from my credit report. This action has adversely affected my credit history and overall credit score, undermining my financial standing.

The Congressional findings highlight the importance of accurate and fair credit reporting, emphasizing how inaccuracies can impair the efficiency of the banking system and erode public confidence. As a consumer, I rely on accurate credit reporting for fair access to credit, and the deletion of my account has hindered that access. 

I am uploading a copy of my XXXXXXXX XXXX XXXX XXXX credit report for your review. I kindly request that you investigate this matter and facilitate the reinstatement of my account on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX This letter is in response to all letters, emails, phone calls, or any other mediums of communication where I've received notices from your organization. By the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all communication from your organization regarding the debt you are attempting to collect. In response to this " Cease Communication '' letter, and by the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. If this alleged debt belongs to me, then please provide the Validation of Debt agreement that speaks on my behalf. By 15 U.S. Code 1692g, please send me a detailed list of the history of payments I've made on this account. I also want to witness the signature that I've signed on official contract documents guaranteeing that I would pay this creditor or your agency. I am also requesting proof that there have been any insurance claims found on this debt. And lastly, I will request proof that you have the chain of title to collect on this debt. 
Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgment of this letter, violates the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also violate federal law.

If you do not cease communication, a lawsuit will be filed against you. 
This letter has been sent by certified mail with a return receipt and shall be presented to any court of proper jurisdiction if communication continues. 
Sincere, 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 2024-12-21 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: TX

Complaint narrative:
To whom it may concern : I am challenging you to review your data on file for me! I insist that all inaccuracies or deficiencies of reporting be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards. The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy!

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 2024-12-21 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation into Experian 's Reporting Practices Dear CFPB, I am writing to formally request your assistance regarding a violation of the Fair Credit Reporting Act by Experian. I believe that Experian has not adhered to the obligations set forth in 15 U.S. Code 1681, particularly concerning the accuracy and fairness of credit reporting. 

I have noticed that my account ( XXXX XXXXXXXXXXXX ) related to my XXXXXXXX XXXX XXXX, which was reported in XX/XX/year>, was deleted from my credit report by Experian on XX/XX/year>. This action has adversely affected my credit history and overall credit score, undermining my financial standing.

The Congressional findings highlight the importance of accurate and fair credit reporting, emphasizing how inaccuracies can impair the efficiency of the banking system and erode public confidence. As a consumer, I rely on accurate credit reporting for fair access to credit, and the deletion of my account has hindered that access. 

I am uploading a copy of my XXXXXXXX XXXX XXXX XXXX credit report for your review. I kindly request that you investigate this matter and facilitate the re-instatement of my account on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,

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 2024-12-21 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation into Experian 's Reporting Practices Dear CFPB, I am writing to formally request your assistance regarding a violation of the Fair Credit Reporting Act by Experian. I believe that Experian has not adhered to the obligations set forth in 15 U.S. Code 1681, particularly concerning the accuracy and fairness of credit reporting. 

I have noticed that my account ( XXXX XXXXXXXX ) related to my XXXX XXXX XXXX, which was reported in XX/XX/year>, was deleted from my credit report by Experian on XX/XX/year>. This action has adversely affected my credit history and overall credit score, undermining my financial standing.

The Congressional findings highlight the importance of accurate and fair credit reporting, emphasizing how inaccuracies can impair the efficiency of the banking system and erode public confidence. As a consumer, I rely on accurate credit reporting for fair access to credit, and the deletion of my account has hindered that access. 

I am uploading a copy of my XXXXXXXX XXXX XXXX XXXX credit report for your review. I kindly request that you investigate this matter and facilitate the re-instatement of my account on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,

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 2024-12-21 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I am a victim of identity theft, there are XXXX cards with XXXX opened on XXXX XXXXXXXX XXXX  and XXXX XXXXXXXX XXXX Those credit cards were opened fraudulently, I spoke with XXXX and told them that those accounts are fraudulent, but they still appear under my name in credit reporting agencies.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, I am a victim of identity theft, there are XXXX cards with amex opened on XXXX XXXX XXXX  and XXXX XXXX XXXX. Those credit cards were opened fraudulently, I spoke with amex and told them that those accounts are fraudulent, but they still appear under my name in credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: CA

Complaint narrative:
Hello, I am a victim of identity theft, there are XXXX cards with XXXX opened on XXXX XXXX XXXX and XXXX XXXX XXXX Those credit cards were opened fraudulently, I spoke with XXXX and told them that those accounts are fraudulent, but they still appear under my name in credit reporting agencies.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late 120 days closed AM XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$790.00} - Collection XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$17000.00} -late/Open

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