vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Someone fraudulently pretending to be a service provider used my Discover credit card to make a {$1000.00} purchase. 
These are the events that led up to me being scammed. 

We are an older couple who went through a difficult experience of selling our home and moving to a XXXX XXXX 
XXXX, the internet service provider, sent a promotion for internet connection to our new place and I called them to sign us up for their services. 
I could not do it from our place due to no phone service and went to the community general area where I spent a very long time and was under duress. 
The person working with me managed to connect my husband 's phone, but said she could not connect mine and advised me to call XXXX providing me with the phone number. 
The person who responded took me through another very lengthy process of having me open an app and going through the same process many times checking various personal information, including Discover credit card number. 
I ended up dropping XXXX because of this difficult experience and signed up with a different company. 
Then on XX/XX/XXXX I got an email from XXXX XXXX alerting me that there was someone trying to log into my account. Another notification on the same date informed me that I made a purchase of a gift card in the amount of {$1000.00} and that it will be shipped to me. 
Od course, I never received any gift card and have immediately informed Discover about this fraudulent charge. 
I realized then that I have been scammed and have informed all the companies whose information I provided to send me new cards. That included Discover and XXXX XXXX XXXXXXXX. 
XXXX XXXX has informed me that someone was trying to connect my card to XXXX wallet and issued me a new card as well. 

When I received the latest bill from Discover with a {$1000.00} charge on it, I immediately called them to question it. 
They never informed me that my claim was denied, just put this charge back on my card. 
The fraud department representative said that since I provided my credit card number, the request was denied. 

Obviously if I suspected that I was in fact not talking to XXXX representative, I would have never disclosed any personal information. 
This was a very sophisticated way of defrauding me under strenuous circumstances, while pretending to be helping me. 

I am appealing to you because I believe it is unlawful for Discover to make me pay this charge when I am clearly a victim of fraud. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX  XXXX XXXX account number : 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 2024-09-26 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:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX  XXXX XXXX account number : 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 2024-09-26 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 recently reviewed my credit report and was alarmed to discover several accounts that I did not open. It appears I have been a victim of identity theft, which has negatively impacted my credit score during a critical time as I am in the process of purchasing a home for my family. 
I request the immediate removal of these fraudulent accounts from my credit report. Please take the necessary steps to investigate this matter and ensure my credit report accurately reflects the accounts I have authorized. 
Thank you for your prompt attention to this issue. I look forward to your swift resolution.

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 2024-09-26 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: TX

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXX  account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
Dear NATIONAL CREDIT SYSTEMS INC, I hope this letter reaches you promptly. I am writing to bring to your immediate attention a grave matter that requires urgent resolution. It has come to my knowledge that my personal information, including my Social Security number, was obtained illegally by your agency from NATIONAL CREDIT SYSTEMS INC.

I want to emphasize that I have never authorized any transaction or agreement that would allow you to pursue this alleged debt. The distress and XXXX  this situation has caused me are profound. I am now faced with the frightening reality of identity theft, and I can not stress enough how serious this issue is for me. 

I demand that you cease all collection activities related to this matter immediately. Continuing to pursue this alleged debt is not only unethical but potentially illegal, given that my information was acquired without my consent. I expect you to remove any negative entries from my credit report associated with this account, as it does not reflect a legitimate obligation on my part. 

Please understand that this is not just a minor inconvenience for me ; it is a serious violation of my rights as a consumer. If this matter is not resolved promptly and to my satisfaction, I will have no choice but to take further action, including reporting this incident to the Federal Trade Commission, my states attorney general, and other relevant authorities. I may also seek legal counsel to protect my rights.

I hope for your cooperation in resolving this matter swiftly. Please confirm in writing that you have halted all collection efforts and that you will remove any negative information from my credit report related to this issue. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX : account numberXXXX

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 2024-09-26 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: TX

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX : account number:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  : CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b. Innacuries of data and dates of payments starting XXXX XXXX XXXX XXXX XXXX multiple months show " No data for this period '' and are not accurate across all 3 credit reporting agencies ( Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b XXXX : In violation of 15 USC 1681, 15 USC 1666b XXXX XXXX CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b XXXX XXXX XXXX  CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b. By law, one must furnish a 1099C for illegal charge-off accounts requested XX/XX/XXXX and never supplied the 1099C 's.

Everything reported here does not meet the FCRA. Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights.

Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Due to these violations, I have a right to sue per violation.

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 2024-09-26 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX, XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : 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 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 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 2024-09-26 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX, XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : 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 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 XXXX XXXX XXXXXX/XX/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 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MD

Complaint narrative:
On XX/XX/XXXX, there was XXXX unauthorized transactions from depop. 
XXXX. XX/XX/XXXX - XXXX  - {$75.00} XXXX. XX/XX/XXXX - XXXX  - {$35.00} XXXX. XX/XX/XXXX - XXXX  - {$90.00} XXXX. XX/XX/XXXX - XXXX  - {$240.00} XXXX. XX/XX/XXXX - XXXX  - {$420.00} I immediately called them about the transactions, reporting a fraud that had taken at the time and they responded by email. I will attached this email on file. Also, on XXXX statement on discover account, there were no transactions on the statement, which can only mean that they had taken care of the transactions and reported as fraud. Then, on XXXX statement that will be shown on the pdf, they reversed the charges back onto my account for the total of {$800.00} of XXXX transaction, XXXX of the transaction for {$75.00} was taken care of but the rest of the other XXXX transactions were not. Since, that day on XXXX, we tried contacting them and they explained to me, " you do not have enough evidence to prove this was a fraud. '' I've been contacting them for the past XXXX months about this case. Which, resulted with me having to pay interest as well as late fees. To my knowledge, I should not have to pay or be responsible for these unauthorized charges. In the span of those months, I paid for every single payment on time or before, and the only payment, I did not paid was the XXXX unauthorized transaction of {$800.00}. Now, as of today, discover sent me an email saying, " if I do not take action by XX/XX/XXXX, this account will be reported as delinquent to the credit bureaus. '' Every time, I called discover, they informed me that the investigation is still going on. '' But this investigation has been going on for XXXX months already. It seems to me like they are buying time. To get in contact with me, please email me XXXX or phone number at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account 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 2024-09-26 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account 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 2024-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I was misled in regards to the income-driven repayment plans- for the longest time, when I would call I would be given a forbearance, that wasn't right. I should have been provided an income based repayment plan, I was forced into forbearance which caused my interest to increase when it didn't need to. 
I was also deceived about the requirements for cosigner release - my parents are cosigners and should have been released by now. 
In addition, I was mislead about improving my credit score and how the interest it would effect my credit- it has continued to increase which has caused my credit to decrease. This has put me in a really bad situation when it comes to home buying and moving forward in with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: GA

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report, and I have no explanation as to why. I check my report regularly, and today there were discrepancies that just popped up out of nowhere. I even refreshed my browser hoping it was just a mistake, but nothing changed. XXXX beyond frustrated with this situation, and I demand a thorough review of the documents I sent so that this problem is fully resolved.

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 2024-09-26 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:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX : account numberXXXX

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC opened an account on XX/XX/year>, for the amount of {$1000.00}. I have never signed a contract with them, nor have I received any services or incurred any charges totaling this amount.

Company response to consumer: Closed with explanation