vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
I purchased XXXX prepaid, Visa gift cards. Each time I attempted to use the cards my transaction was rejected by the issuer. The issuer is XXXX XXXX, the cards are serviced by Incomm Financial Services. 

Pathward/Incomm routinely blocks legitimate transactions under the guise of " consumer protection ''. They do so in the hopes that delaying the spend down on the cards will lead to windfall and unmerited profits for the issuer. How? By frustrating users and rejecting consumer purchases, chances increase that users will simply give up and not use the cards. By frustrating users and delaying spend down chances increase that users will misplace their cards. This is unethical behavior. 

I have been forced to endure lengthy delays, lost submissions and poor customer service on the numerous occassions on which I have forced to seek refunds and card replacements from XXXX/Incomm. That is why I now appeal directly to CFPB in the hopes of not only receiving a refund for these XXXX cards, but some action on the part of CFPB to sanction XXXX/Incomm so that the entities stop this eggregious behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Autovest, L.L.C.
State: MI

Complaint narrative:
I received a letter from the " XXXX XXXX XXXX '' stating that they were attempting to collect an auto loan debt for " Auto Vest L.L.C. '' in the amount of {$10000.00}. 
On XX/XX/XXXX, I called XXXX XXXX XXXX and informed them that I had filed for bankruptcy and received a discharge in XX/XX/XXXX. XXXX XXXX asked if I had included their client " Auto Vest '' on my bankruptcy petition. I stated that I had not because " Auto Vest '' was not listed on any of the credit reports that I received from the XXXX credit bureaus. 
XXXX XXXX stated that because the Auto Vest loan was not listed in the petition, I was still obligated for the debt. I then asked how old this debt was and XXXX stated it was XXXX. I informed them that Michigan 's Statute of Limitations had expired. 
XXXX XXXX stated this debt was not subject to the statute of limitations because they had filed a lawsuit and received a default judgment in XXXX and the judgment was renewed in XXXX. I informed XXXX XXXX that I had never been served with any lawsuit or judgment renewal. XXXX XXXX stated that the Clerk of the Court was responsible for notifying me of these pleadings. 
I told XXXX XXXX that they were wrong because the Michigan Court Rules mandated that it is the attorney, not the clerk of the court, who is supposed to serve the opposing party ( i.e., myself ) with paperwork. XXXX XXXX then changed their statement, now saying that they did serve me with the lawsuit and the renewal. I stated that I never received anything and asked how could it be that I was receiving their letter about owing the debt, but I hadn't received anything about a lawsuit or judgment renewal. XXXX XXXX stated that they did send all the paperwork to me and if I wanted to " claim '' that I didn't receive it, I was free to do so. 
When I told XXXX XXXX that I would be taking legal action under the Fair Debt Collections Act, they stated that they didn't own this debt and were only collecting on behalf of Auto Vest. 
I recorded this phone call.

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 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-23 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: IL

Complaint narrative:
I am troubled by the presence of XXXX XXXX on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime closed my account because I filed a dispute on a charge that was fraud. I called customer care and was constantly over talked by the representatives who were obviously reading from script and after asking for a supervisor for over 45 minutes I was transferred to someone who said they where an escalation supervisor who did the exact same thing so I asked who do I file a formal complaint with if I want to complain about chime as a company the agent kept putting me on hold and offering unrelated information after the conversation escalated the call was ended I violated no policy of chime they didnt want to give me my money back then after closing my account for no reason they deposit a refund and say I have to wait 14 business days just even get a check sent out Ill be waiting months to cash a check thatll cost more to cash than its for all because chime didnt like that I was rightfully upset that someone was agin able to steal from my account and I had to suffer this is harassment and discrimination the constitution protects my right to freedom of speech that should not have closed my account I will be taking legal action I expressed to them that chime wasnt a good bank and that after my refund was deposited and I withdrew I was closing my account and obviously it was used against me literally the day after they email closing my account they email me depositing my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Spring Oaks Capital SPV , LLC has violated 15 USC 1692 c ( c ) in attempting to collect the debt after I sent a letter containing a cease and desist. All proof and documents are provided below in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-05-23 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: IL

Complaint narrative:
I am troubled by the presence of XXXX XXXX on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
my business is in California, but I live in Arizona, I wanted to have a get togther and business meeting, a family friend recommended a pizzeria that provides such services. The owner of the place request to have who amount upfront plus to put a credit card on file. Since it was a referral did not make much of it. Deposit was to be around XXXX. However, problems started from there, few days later I looked and i was charged around XXXX, when i contacted the owner via text message he said he will look into it and get back to me, but the issue was not resolved. I started to get frustrated and asked to cancel the service all together. XXXX or XXXX asked for a week to refund I said okay. Two weeks later i filed a dispute with my bank and sent them the text messege which included information about correcting the amount charged and the he will refund. Bank came back to me stating that I was actually there and used his services. I explained to the bank I was in a different state. They send me documents that I signed the reciept, I told them that is not my signature, and that I have also been banking with them and they can see that my signature has been different. Until today i have not got my issue resolved and its still pending investigation. I opened a complaint with XXXX XXXX  Office of Consumer Protection Agency but I havent gotten a response, either. 

Department of Consumer and Business Affairs. 

Your case number : XXXX This issue is with Chase bank XXXX 

Please advise what I can do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION, XXXX, AND XXXX ARE REPORTING INACCURATE 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 2024-05-23 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-05-23 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: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-05-23 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:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, Im writing this complaint because I took a look at my equifax report and noticed alot of inconsistency 's and inaccurate information reporting on my credit report so I disputed the accounts with Equifax on XX/XX/XXXX and I never received any reply or mail back for them. By law they are suppose to respond within 30 days. There is no indication on my credit report showing these accounts were investigated and verified and if they were they are still reporting completely wrong. I do not want to have to get the courts involved but if these accounts are investigated again and there is even 1 inaccuracy reporting I am taking Equifax to court! Please make sure everything is 100 % accurate under 15 USC 1681e ( b ) - Credit report agencies must follow reasonable procedures in order to assure maximum possible accuracy concerning the consumer. If it can not be verified or any information reporting is incomplete delete it at once please. Please send me an updated credit report after your dispute is finish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: NJ

Complaint narrative:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: CBC Companies, Inc.
State: NV

Complaint narrative:
So I sent a letter off on XXXX XXXX XXXXTo remove personal information that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO finacial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief