vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: LA

Complaint narrative:
Att : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX RE : Credit Reporting Act Violation Dear Discover Financial Service/ XXXX XXXX XXXX You/Your Company are in violation of the Credit Reporting Act 15 USC 1681 b for unlawfully obtaining my XXXX consumer report on the dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my authorization and permissible purpose under the FCRA, as a XXXX of you unlawfully obtaining my consumer report without my permission you are liable to me actual damage or statutory damage about up to {$1000.00} in punitive damages. Pursuant to 15 USC 1681n ( 1 ) ( B ). I am demanding {$1000.00} per violation. Pay me {$13000.00} and deliver it to my address above within the 14 days of receiving this demand. Please provide an Affidavit Certifying that Discover Financial Service did not breach any laws under the FCRA.

Thank you for your time and attention. 



Sincerely, The letter above was mailed on XX/XX/XXXX via USPS and was delivered on XX/XX/XXXX at XXXX XXXX. As of XX/XX/XXXX I have yet to receive a response from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX Currently have XXXX inquiries appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-11-15 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: MS

Complaint narrative:
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  accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-11-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It has be XXXX  days since I have sent a notice to experian regarding the removal of the following account XXXX XXXX XXXX  Account Number : XXXX and I have yet to hear back from them. In my dispute letter I had mentioned that I was opting out of the reporting pursuant to 15 USC 6802 and 16 CFR 313.7 - Form of opt out notice to consumers. There has been no response and the information is still on my consumer report which tells me that they are willfully not complying with the Fair Credit Reporting Act. This is a huge violation of my privacy and I demand justice.

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 2023-11-16 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 just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 


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 explanation
Consumer complaint received 2023-11-15 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: TN

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-16 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: MI

Complaint narrative:
The creditor conducted this inquiry without proper authorization, and it must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal 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 non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I reviewed my checking account recently and saw that unauthorized charges for {$490.00} have been occurring for 12 months from my Wells Fargo Checking account, amounting to {$5800.00} total. The first charge started on XX/XX/2022 and occurred monthly after that. The charges show up on my bank statements as " XXXX XXXX XXXX XXXX ''. I don't have any accounts with XXXX XXXX and when I brought it up with the XXXX Help line, they confirmed there were no accounts in my name and said they may have facilitated the transaction, but there was nothing they could do from their end and to bring it up with Wells Fargo. When I brought it up to Wells Fargo on XX/XX/XXXX, they said they would investigate and provide me a resolution in 10 days over email. On XX/XX/XXXX they sent a letter saying they were able to recover one of the payments and reimbursed my account {$490.00}, but the rest of the payments were " correctly charged to my account '' and as a result they can not reimburse the outstanding {$5400.00}.

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 explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian credit report theirs is XXXX negative items that are fraud I filed a federal trade commission identity theft report on file please have experian remove the negative 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 explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Since XXXX, XXXX to today XXXX XX/XX/XXXX, I have not been able to access my savings account with Synchrony Bank XXXX I went through several bankers and tried everything suggested. I can access the website even though when I try to access my account, I receive " This site can not be reached and might be temporarily down or may have moved permanently to a new web address ''.

I have lodged a complaint with the Connecticut Attorney General today.

It is very important that I be able to access my savings. Can you help 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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: MA

Complaint narrative:
I have had a Credit Karma account since XXXX to occasionally check my credit score. 

On XXXX I received an email with the subject : " New hard inquiry on your credit report " The content of the email clearly states " There's a new personal loan inquiry on your credit report* '' and " *Based on your credit report information from XXXX as reported on XXXX '' This is objectively false - there has been no hard inquiry or personal loan inquiry of any kind on my credit report, either XXXX or any other. I have confirmed this by checking my credit report using my bank, as well as my account on Credit Karma 's own website. My XXXX credit report clearly states that there are XXXX hard inquiries on my account as of today 's date XXXX 

Therefore, it seems that the email I received was a predatory marketing tactic to attempt to get me to apply for a personal loan through Credit Karma 's service, which frankly seems insane on their part. I'm genuinely surprised that any business marketing department would send an email with such a clearly stated lie in writing. 

The email also states, " It looks like a lender checked your credit report. If you already got a personal loan, confirm the details for us and we'll look for chances to refinance and save in the future. And if you're still looking, we can help you compare personalized recommendations based on your needs. Head over to Credit Karma to get started. '' The link from the email to " See the Inquiry '' prompted me to apply for a personal loan with Credit Karma. And again, there is no hard inquiry on my account. 

I do not personally require further action from Credit Karma, as I will be cancelling my Credit Karma account, but I wanted to make a formal complaint to inform the CFPB of this marketing practice as it may inform a larger investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: TN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-15 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I received notices in the mail from an attorney claiming that I owe debts to Midland Credit Management. I have no knowledge of these debts. I sent separate notices, pursuant to 15 USC 1692g Sec. 809 ( b ) to Midland Credit Management, by certified mail with return receipts, disputing these debts as I have no contracts and do not owe the accounts that Midland Credit Management has reported to the major credit bureaus. I asked that they send me the original contracts as I requested and they did not provide me with anything on any of the accounts that they are fraudently reporting. I believe that the false information reported is defaming my character and the company did not follow the FDCPA in investigating these matters as my disputes went ignored and the accounts stayed on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: IL

Complaint narrative:
I have XXXX XXXX inquiries on my credit report that i know i did not apply for, as well as XXXX collections account on my Equifax report! 

Hard Inquires on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from Equifax XXXX XXXX XXXX {$130.00} XX/XX/XXXX Original creditor is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: IL

Complaint narrative:
I have XXXX XXXX inquiries on my credit report that i know i did not apply for, as well as XXXX collections account on my XXXX report! 

Hard Inquires on XXXX XXXX Experian 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  Original creditor is 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 2023-11-15 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: TX

Complaint narrative:
All 3 credit bureaus are reporting inaccurate loan amounts.

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 2023-11-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose is reporting a collection amount of {$1400.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX  which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and Equifax respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: SC

Complaint narrative:
To whom it XXXX concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose is reporting a collection amount of {$1400.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, Experian, and XXXX respectfully. Thank you in advance for your attention to this matter.

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 2023-11-15 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: CITIBANK, N.A.
State: MO

Complaint narrative:
Company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal 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 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-11-15 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-11-16 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: OneMain Finance Corporation
State: PA

Complaint narrative:
One main financial did an inquiry for a loan, I did not do the inquiry and also XXXX XXXX XXXX as well. Both I dont remember authorizing! 

One main financial- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
Received a letter in the mail for a hearing and never got the opportunity to dispute and information regarding the debt was provided to a third party. This company has practiced deceptive debt collection and has not provided any evidence that the debt is owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I noticed some unauthorized inquires on my report from an account that was already paid in full and closed for over 3 years.

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