vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MA

Complaint narrative:
I applied for the Discover Card to take advantage of a 15 month, 0 % balance transfer and low interest rate for purchases. My application was accepted. I was able to transfer balances from 3 other credit cards from 3 different companies. I started using the Discover card for purchases but started getting denied for transactions. Their fraud protection company reached out to me to inform me that I had to prove who I am, despite my personal bank account being associated to the card and automatic, monthly payments being made. I was told that I had to fill out a form that was sent to my personal email, fill it out and have it notarized. I had it notarized at the bank that was associate with the account and payments. I was informed that they called twice and the notary wasn't available so the form would not be accepted. They provided an option to use a proprietary application of theirs, were I could take photos of my drivers license. I used this several times and although the photos were clear, they would not accept them and told me I only had 2 attempts to use this method. They offered me the option to get the form notarized again, but I was traveling for business and could not get this completed withing the 4 days they required. I was then informed that my account would be closed. I argued the fact that they accepted my application, my bank accounts and other credit card accounts were tied to the account and that I used their methods to prove who I am and those were rejected by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Grain Technology, Inc.
State: MN

Complaint narrative:
I applied and got a great offer. I accepted all documents and conditions. It came to verify my identity and It asked for my SSN. I put my ssn in correctly and it logs me out in an instant. I tried this for a couple days and even on my sisters phone tried to log in. Didnt work just logged out instantly. This time I put in my SSN with one number off and it let me pass. I get to the page where I review and sign my offer, its asking me to verify my identity and make sure I put in the right info.. I corrected my SSN, guess what? It logged me out AGAIN! Few hours later I log back into the app and this time I havent put in my SSN its asking me security questions about my pasts like what car Ive had and where Ive lived. Ive answered those and it said they will contact me by email if Im verified. And got logged out instantly. Now I tried to log back into the app and its not even letting me click on verify my identity I believe its from trying to make duplicate accounts. I need actual help. Resetting my phone and etc wont help I tried that a million times and Ive gotten generic responses from you guys. Which never helps because Im sure everyone resorts to resetting their phone if it start acting up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AFNI INC.
State: MI

Complaint narrative:
Please remove this fraudulent account from my credit report. I never had an account with AT & T

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I applied for a personal credit card with bank of America on XX/XX/2023 and the system got denied with no reference number or letter been sent to my address then I called after 3 weeks and been told sorry for not sending the letter we will send you one within 3 days and never got it, then I called after a month and a half and been told i got denied for business account issue i co signed, I asked the representative this is personal credit card and there is nothing to do with business accounts she said you can request reconsideration and she said they have to pull my credit again which is they did and Ive got denied for the same reason with no letter or reference number at all, when i asked to remove the hard inquiry she refused my request

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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: NE

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 explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX and Transunion will not acknowledge any of my attempts to obtain my credit reports and/or mailed copies of my statements pertaining to fraud. I am unable to create an account as any identifying information requested to do so is Fraudulent and incorrect information- the same information I am trying to have removed! 

I have tried calling- but again I am requested to verify personal information that is not mine and incorrect. XXXX and Transunion have at the most only responded to mailed statements and my photocopies of my government ID 's and social security card with " please send us copies of your ID and police reports. To have sent that to receive that response demonstrates they are not actually reading and reviewing what I have sent.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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 am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed 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 explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Request for XXXX please. the inquiries that I did not authorized are in the letter already. please review

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 2023-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Dear XXXXXXXX XXXX, Re : Reference # XXXX ( XXXX XXXXPentagon Federal Credit Union ) I have sent you several written requests to validate ( not verify ) the total amount of debt on my consumer report. 

According to the Fair Debt Collection Practices Act ( FDCPA ), [ 15 USC 1692g Sec. 809 ( b ) ] I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, when I requested validation of the debt, I only received billing statements for 24 months which does not add up to the amount of {$11000.00}. 

This is a clear violation of section 15 U.S. Code 1692j of the FDCPA falsely representing the amount or character of the debt, including any interest, fees or charges. 

Please provide me with a complete payment history, the requirement established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. XXXX XXXXXXXX This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character. Per 12cfr part 1006- false or misleading representation : debt collector is prohibited from making false or misleading representation the amount or status of the debt. 

Please be advised this is my FINAL REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 


Thank you for your time, 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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not received any information of this collection and why they are charging me {$860.00} not once but twice. Ive reached out multiple times and all they want is my social security. I have actual medical collection bills that have provided me proof of the date, treatments and costs of everything. None of those items come close to XXXX. I am asking for these negative charges to be removed off my report, I have already disputed these items of XXXX transunion, and XXXX multiple times.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have not received any information of this collection and why they are charging me {$860.00} not once but twice. Ive reached out multiple times and all they want is my social security. I have actual medical collection bills that have provided me proof of the date, treatments and costs of everything. None of those items come close to XXXX. I am asking for these negative charges to be removed off my report, I have already disputed these items of XXXX XXXX, and equifax multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I already filed a fraud complaint about the unknown credit inquiry from ally financial, which appeared on my credit report. and I did this a while ago and the ally financial yesterday started sending me weird emails just now and I reply back to it stating it is fraud. it is sent from XXXX and also a second email sender shows and it is and states : '' On Wednesday, XX/XX/2023 at XXXX XXXX  XXXX, XXXX wrote : Please use this validation code to complete your registration : XXXX Note : This code will expire in 30 minutes. Re : Proofpoint Encryption Registration I have blocked it and it is fraud and unknown and ally financial is acting as a fraud or being used as such and ignores this fraud.whatever it is. and tries to get me to register an account..

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
There are 2 phishing charges on my account and capital one actually alerted me about these charges and asked me if 1 of the charges were legitimate at XXXX XXXX. I obviously was not making a charge at XXXX XXXX  while sleeping, so it was not. At that time I looked back at charges and noticed another {$5.00} charge from the same vendor and realized this was from XXXX XXXX XXXX, and called them in the morning & they told me it was a common phishing scheme. I called capital one as instructed to get a new card and report these charges as fraud and was told that phishing isnt fraud. Its a scam. And they do not cover scams and Im responsible for the charges. Umm what? Since when are scams not fraud? I then said that I ordered a product and never received it and they told me that they would try to reach out to the company listed on the charges but if they couldnt reach them, Id be responsible for the charges. I said I could prove I never got the product, and they said it didnt matter because I fell for a scam. Ive never seen such a thing from a bank or credit card company. Theyve always covered these things!! And capital one states they Do cover such things with their Savor One Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I have contacted Credit Management LP several times to remove this debt. It has affected me in many ways since it has been reported to my credit. All Credit Management LP says is that the debt is " verified '' by the company with no actual physical proof, no affidavit, no contract, nothing with my signature, literally nothing. They do not even have my name right in the letters they've sent. I have demanded deletions several times because they have not complied with the law and have not sent any proof with my name and signature. In the last letter I sent to Credit Management LP, they referred to my numerous attempts to validate this debt as a " frivolous dispute '' when I am fully within my right to ask for verification under the FCRA. I have been trying to get rid of this mark on my credit report for a long amount of time and would like it finally removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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 have reached out XX/XX/XXXX and they have lied to the CFPB and stated they responded and they never have. This is my second attempt reaching out. 

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Here are the following inquiries XXXX  XXXX XX/XX/XXXX, has violated myrights. 

XXXX XXXX XX/XX/XXXX, has violated my rights. 

XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XX/XX/XXXX has violated my rights Below here are the accounts XXXX XXXX XXXX XXXX, has violated myrights. 

XXXX XXXX XXXX, has violated myrights. 


15 U.S.C 1681 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have had this checking account with Bank of America for over 30 years. 

I deposited a cashiers check for the amount of {$3900.00} on XX/XX/25 ( Security deposit for my rental also held by bank of america ) The cashiers check is a Bank of America Cashier check There is a hold on my account for the full amount of the funds for three business days I attempted to call them to verify the deposit and the funds since it is both a Cashiers check and a Bank of Americas Cashier check, they said no its our regulation. 

I spoke to the supervisor named XXXX from Texas employee ID 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 2023-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
XXXX XXXX has claimed private loans were sold to XXXX, then XXXX refuses to deal with me, as they were sold off to Forster and Garbus collections in NY State. As per my understanding, the following has taken place and applies to me : To qualify for discharge under the XXXX settlement, a private student loan must have been originated between XXXX and XXXX by XXXX XXXX ( XXXX XXXX ) and must have been charged off by XXXX as of XX/XX/XXXX. Additionally, the loan must meet one of three conditions. 

The borrower at loan origination had a XXXX  score below XXXX and attended a for-profit school or below 640 and attended a non-profit or public school The loan was used to attend of the for-profit schools included here under # XXXX. 
The loan originated under XXXX XXXX opportunity or Recourse program. 

I did have a XXXX score under the 640 and attended a non-profit school within the time frame of these loans being offered. Forster and Garbus, through XXXX XXXX and XXXX, is still collecting on these even though this took effect over a year ago! In other words, XXXX and XXXX jumped on this in XXXX, knowing this was NOT supposed to take place. 

Dealing with this group is very difficult. They never act forthright, use courts to intimidate and bully, collect on my pay through back door means and likely bought this debt for pennys on the dollar, yet are collecting it all!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 

.

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