vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: OH

Complaint narrative:
In XXXX or XX/XX/XXXX, I received a phone call from Discover stating that my account was past due. When Discover gave me the last four digits of the card number, I told them that I did NOT have a Discover card ending with those four digits. They told me the account was opened in XX/XX/XXXX using my name and " other identifying information ''. I told them that it WAS NOT ME and that someone else opened a card using my name. I requested that they mark the card as fraudulent/close the account. In XX/XX/XXXX, I received a statement from Discover stating that I was responsible to pay the charges for the fraudulent card in the amount of {$2600.00}. I called Discover again and asked them to open up a dispute case. By XX/XX/XXXX, they sent another form letter stating that the account and balance were considered valid. I called Discover again... basically the same conversation. They opened another dispute case. Again, I received a letter from Discover ( on XXXX XXXX, XXXX ) stating that I am responsible for the charges. I was NOT the person who opened the account, nor did I make the charges. I can not seem to get Discover to listen to me as a person ; I continue to get the run-around from Discover when they are the ones responsible for authorizing a card to someone other than me. When I asked for the address that they sent the card ( because it was not sent to my address ), they would not disclose that ... '' to protect the privacy of the other person. '' Discover asked me if I knew of a person named XXXX XXXX. I do not. Discover told me that this person was added as an authorized user for the card!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I received a threatening letter communicating to me that XXXX XXXXXXXX XXXX, a debt collector was attempting to collect a debt allegedly owed to JP Morgan Chase Bank , N.A . and that they will use any information I give them to collect the alleged debt. I do not have a contract with this company and never gave consent to have this company contact me through any medium. After received the letter I checked my credit report with XXXX, XXXX and XXXX to find that there is an account listed from JPMCB card services that has been charged off as bad debt, but I never received a 1099 from JPMCB showing the debt was discharged. Since this account has been charged off, that makes it a certificate of indebtedness meaning it is now considered income and income is not permitted to be listed on a consumer credit report. It appears that JPMCB and XXXX XXXX XXXX the debt collector has conspired together to commit fraud and extort funds from me the consumer. Further more, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. JPMCB Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may 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 by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of JPMCB reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing this letter to address the delinquent accounts listed on my credit report. Recently, I received a copy of my credit report, which has prompted me to question why my information was shared without my consent. It deeply concerns me that such inaccurate and incomplete information is being disseminated, causing me undue XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 by 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 2024-01-22 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: FL

Complaint narrative:
unauthorized inquiries on my report ; 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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief
Consumer complaint received 2024-01-22 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: FL

Complaint narrative:
i have gone back and forth with them about the false information they are reporting on my credit, then one will remove it while the other will keep reporting it. its false inquiries being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have gone back and forth with them about the false information they are reporting on my credit, then one will remove it while the other will keep reporting it. its false inquiries being reported on 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/year> I purchased a sofa from XXXX XXXX and opened a line of credit in the amount of {$1400.00}. I was told that within 30 days I would receive mail on how to pay the bill and access my account. I had given XXXX XXXX my correct address including apartment number. XXXX incorrectly forgot to include my Apartment in my address when opening the line of credit and I never received any mail to pay the bill or access my account. In XXXX from my bank I got a notice stating there was a late payment and credit score had dropped. I called XXXX XXXX and they gave me XXXX XXXX XXXX XXXX number to call. On XX/XX/year> I called XXXX  and I found out the address on the account was incorrect, they made a note on the account and updated the address and they were able to give me my account number so I can log in a make my first payment. The customer service rep told me to fill out a XXXX  credit dispute form which I did towards the end of the month and mailed to XXXX. On XX/XX/year> XXXX  sent me a mail saying that the current information being reported to the credit bureaus was correct, but it was not. On my account I can see my first 3 bills and the apartment number was not there and no mail was delivered until XXXX, when the address was corrected by me calling. 
No mail or information was sent to me to pay the bill and it was XXXX 's and XXXX XXXX fault for not putting the correct address. Neither of them followed up through phone or email to fix the address issue. Attached are the months of XXXX, XXXX, and XXXX showing the address didn't have the apartment number. I also attached XXXX showing when the address was correct and when mail reached 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 non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2023 I purchased a sofa from XXXX XXXX and opened a line of credit in the amount of {$1400.00}. I was told that within 30 days I would receive mail on how to pay the bill and access my account. I had given XXXX XXXX my correct address including apartment number. XXXX incorrectly forgot to include my Apartment in my address when opening the line of credit and I never received any mail to pay the bill or access my account. In XXXX from my bank I got a notice stating there was a late payment and credit score had dropped. I called XXXX XXXX and they gave me XXXX XXXX XXXX XXXX number to call. On XX/XX/2023 I called XXXX  and I found out the address on the account was incorrect, they made a note on the account and updated the address and they were able to give me my account number so I can log in a make my first payment. The customer service rep told me to fill out a XXXX  credit dispute form which I did towards the end of the month and mailed to XXXX. On XX/XX/2023 XXXX  sent me a mail saying that the current information being reported to the credit bureaus was correct, but it was not. On my account I can see my first 3 bills and the apartment number was not there and no mail was delivered until XXXX, when the address was corrected by me calling. 
No mail or information was sent to me to pay the bill and it was XXXX 's and XXXX XXXX  fault for not putting the correct address. Neither of them followed up through phone or email to fix the address issue. Attached are the months of XXXX, XXXX, and XXXX showing the address didn't have the apartment number. I also attached XXXX showing when the address was correct and when mail reached 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 non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I opened this account and i believe i may have gotten the first card but it didn't work so i request another card at least 4 times possible five or even six times i have made phone calls to capital one explaining i haven't gotten a card I have again just recently reached out to request a new card in like XXXX or XX/XX/year> today i see they decided to close my account i called to ask them why they said inactivity this is going to effect my credit score and ruin my credit history this is not my fault i have asked them multiple time for a card to use this is fraud they ran my credit to get the card now it shows closed and will effect my credit again and also drop my overall credit limit how can this be legal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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:
XXXX XXXX is still reporting information as correct ; they keep updating the new dates. 
I have tried to dispute this account and still no resolution. 

XXXX XXXX XXXX Equifax is the only company reporting this account incorrectly. XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was notice bye a letter in the mail that my personal information was stolen from a job I use to work after doing they investigation so after I contact to credited repair to found out what my information was used on after reviewing I found that a credit card two card with same company was open up and also a bank account then my credit was ran 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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had a positive balance in late XXXX that was {$92.00} of my XXXX XXXX check but a lender contacted me saying they could deposit money in my account which they did but my account was closed in early XXXX because it went negative after talking to the CEO of a branch in XXXX, the bank hacked my account and made it go negative after seeing my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
I applied for the save plan, was put in administrative forbearance because they had delayed processing. My monthly payment was wrong two times, and therefore due to their processing times and incorrect payment amount I was in forbearance form XXXX to XXXX. They are now telling me these months wont count for PSLF, but I was in forbearance due to their errors.

I asked for this in writing that these months wont count, they stated it will be 90 days.

I am reporting because these months should count due to their errors and correspondence time. Also, my payment on save is {$0.00} due to my income and I would not have to had pay anything for those months anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: TX

Complaint narrative:
Regulation Z TILA was violated criminal acts 16usc 1611

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I requested that each bureau ( XXXX and Experian ) to remove derogatory items from my credit report more than once. I got responses concerning other irrelevant issues but no action or investigation was submitted. By law i'm am entitled to the sum of the items and you must remove block all derogatory 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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: NC

Complaint narrative:
Please remove any inquiry that is on my report below listed as my identity has been compromised. The person who sole my identity has been arrested and has been indicted. Here are the inqurieis. 

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 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing this letter to address the delinquent accounts listed on my credit report. Recently, I received a copy of my credit report, which has prompted me to question why my information was shared without my consent. It deeply concerns me that such inaccurate and incomplete information is being disseminated, causing me undue stress and anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing this letter to address the delinquent accounts listed on my credit report. Recently, I received a copy of my credit report, which has prompted me to question why my information was shared without my consent. It deeply concerns me that such inaccurate and incomplete information is being disseminated, causing me undue stress and 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 2024-01-22 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief