vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: IL

Complaint narrative:
I attempted to purchase grocery using my Discover Card, and a message on the machine called out 'card unauthorized ', please try using another form of payment. Yes, very embarrassing, especially since that was the only card I brought with me to the store. Before I proactively reached out to Discover Card, I received a letter from them by standard U.S. Postal on XX/XX/XXXX, it was dated, XX/XX/2024, and stated that they have made a business decision to close my account because it is not being used as intended. Interestingly, I receive many advertisements from Discover soliciting other services or products they offer, but have never received a phone call, voice mail, text, email or any other communication regarding any concerns with concerns around how my card is being used. There was no phone # on this letter, so I called their customer service line at XXXX. I was transferred to their Customer Protection Department (? ), the representative said, yes, we've made a business decision to close the account, and could offer nothing else, but perhaps I want to re-apply. I asked for a supervisor, she said there's no one else to speak to but her, there is no supervisor for me to speak with, and again, if I have any questions write to the address on the letter. Why would I reapply for a card that I've already earned the privilege of having, additionally, now that I've lost my job, what legitimate credit card issuer is going to approve me for credit, etc.? She continue to repeat her response, so I thanked her for the time... 

This impromtu closure impacts my credit report and ratings, and presents hardship. Over the years Discover Card has sent me an abundance of junk mail soliciting their many other services and products, but on no occasion initiated a single notice or warning of any kind, through any form of communication regarding a business decision that " they are 'considering " closing my credit card account, and here 's what's needed to prevent that from occurring ''. Clearly, this would have allowed me to adhere to some unknown expectation/s that they felt I did not meet/am not meeting. This type of business extended by Discover Card was unexpected, disappointing, and will cause hardship. It should not have occurred. 

I need other consumers to know of my experience with Discover Card.. Since I've had this card, almost 3 years, I've had only 2 late payments. I'm pondering on if the majority of Discover Card customers impacted with these type of inappropriate and unforeseen business decisions made by the company impact predominately minorities or others from marginalized groups struggling to survive and provide, many of whom have still somehow managed to maintain a decent credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
15 U.S. Code S 1666b - Timing of payment Creditor can not treat a payment account under and open end consumer credit plan as late for any reason unless creditor has adopted reasonable procedures to ensure that each periodic statement includes information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no less than 21 days before the payment due date Creditor never sent the required notices or the required information. When I submitted complains about the duplicate accounts as well as the notices, they were unable to furnish proof that they sent the notices, however, the reporting agency did not remove the late payments from the account despite the fact that the payments are duplicates due to Covid and the creditor did not furnish the requested information.

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 2024-08-01 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: MA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: FL

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of 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 2024-08-01 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of 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 explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Ascent Holding Co
State: PA

Complaint narrative:
Hi, I have experienced multiple issues with the XXXX program and I have concerns I was lied to and set up for a trap to pay them money while not receiving valuable knowledge. I have expressed my concerns of lack of resources provided and lack of support from slack channels and lack of activity or communication from the team to check or track progress. I was reassured I would owe no money unless a job offer was assured, however, when I expressed concerns to XXXX. I was only made aware that I have to pay them money ( which technically they already have via the Loan ) and answered XXXX of my concerns through the email thread I can provide. Additionally, I have read recently of the illegal practices done by XXXX and lawsuits against the company which was the main factor of my decision to reach out to them. Please assist me in cancelling the loan as this program is clearly a trap for paying them money with XXXX valuable resources. 

Please provide me with my options. My goal is to remove the loan from credit report and I will go beyond in making sure this program does not trap any other students. 
Former Students Are Suing For-Profit Coding XXXX XXXX ( XXXX ) CFPB Takes Action Against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for Deceiving Students and Hiding Loan Costs | Consumer Financial Protection Bureau ( consumerfinance.gov )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$960.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} Status Account charged off. {$6100.00} written off. {$6100.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. 
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3900.00}

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 2024-08-01 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$960.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} Status Account charged off. {$6100.00} written off. {$6100.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. 
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX, ( XXXX ), XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal line of credit opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the acct number ( XXXX ), a XXXX Credit card opened XX/XX/XXXX acct ( XXXX ), A XXXX  XXXX XXXX XXXX XXXX credit card opened XX/XX/XXXX acct ( XXXX ), A XXXX  XXXX XXXX XXXX XXXX Credit card opened on XX/XX/XXXX Acct ( XXXX ), A XXXX  XXXX credit card opened on XX/XX/XXXX Account XXXX, a XXXX Credit card open on XX/XX/XXXX Account XXXX, a XXXX Credit card opend on XX/XX/XXXX account XXXX, a line of line of Credit with XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account XXXX And US Bankruptcy opened XX/XX/XXXX Reference ID XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries showing on my consumer credit report maintained by you were not opened, 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 reference number : XXXX, and reference number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2024-08-01 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:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX  for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-08-01 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: TX

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-08-01 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: MA

Complaint narrative:
This is extremely frustrating, I found unauthorized transactions/accounts being done under my name. I never benefitted from these items that have resulted from fraud being reported on my credit report. These have been already reported to FTC but they still appear on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: U.S. BANCORP
State: MO

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act. 

It has unequivocally come to my attention that XXXX XXXX XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. [ Insert specific Missouri statute citations if known ]. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX XXXX XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

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 2024-08-01 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: NY

Complaint narrative:
XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX, PA XXXX TransUnion : Thank you for deleting some of the accounts which inaccurately appeared on my credit report However, I still firmly dispute the following remaining accounts. These items are still being recorded incorrectly and are severely damaging to me. In accordance with the Fair Credit Reporting Act, Section 1681i, I request that you REINVESTIGATE these accounts and delete them from my credit report. 
XXXX. XXXX XXXX XXXX - XXXX Furthermore, I would like to know how you verified these items including the names of the individuals you contacted for verification, along with their addresses and phone number so I XXXX check with them as well. 
Regards, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY 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 2024-08-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: W&A Intermediate Co., LLC
State: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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:
I asked Experian to verify this debt as mine they said it was. They have not been able to. 
Here 's their response. 

XXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

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 2024-08-02 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: LA

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

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