vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vargo & Janson PC
State: CO

Complaint narrative:
I received a notice of Collection letter from Vargo and Jansen. I submitted a request to have the debt verified. I outlined specific Information that needed to be included. I said that if it could not be provided to me, to not contact me again. Vargo & Jansen still contacted me trying to use their generic tactics to verify a debt. A couple of statements showing no activity and fees being charged on top of fees doesnt cut it. I asked for the original signed contract between myself and the original creditor. That was not provided. I feel that Vargo and Jansen violated FDCPA because I asked not to be contacted if that couldnt be provided. They contacted me anyway. I am currently working with a family friend to take Vargo and Jansen to small claims court for the FDCPA violation. I do not owe this debt. I have attached the letter I sent and their response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
I purchased a {$300.00} Vanilla Visa gift card at XXXX on XXXX. I made 3 purchases : XXXX to XXXX XXXX for {$28.00} XXXX to XXXX XXXX 's for {$26.00} XXXX at XXXX XXXX for {$6.00}. 
I went to use the card in the first week of XXXX. It was at this time that I realized the remaining {$230.00} was used fraudulently. I immediately contacted Vanilla Visa, followed their steps and filed a dispute form on XX/XX/2022. I researched all of the transactions and provided them with detailed information of where/when/amount that my card was fraudulently used. I was able to recover {$9.00} of the {$230.00} from one vendor. I received a confirmation email on XXXX XXXX XXXX that my dispute ( I can provide the case number later if you need it ) was received and to allow 90 days for their review/decision. Once the 90 days was up ( XXXX ), I repeatedly contacted the Vanilla Visa customer number at XXXX. I was always getting the answer of " call back in 24-72 hours and we will have a decision ''. This never was the case. After many, many calls to them, I finally received this answer on XXXX from them : The Payments Network allows recovery efforts to be submitted within 60 days of the date the transaction cleared the account. Your claim is outside of this timeframe. Unfortunately we have no rights of recovery. At this time, this dispute has been closed. 

Today, I received a new Vanilla Visa gift card in the amount of {$9.00} ( for the charges I got recovered ). I have not activated yet, nor do I plan to until I get a resolution on the remaining {$220.00}. 

Please advise on how you can help me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
So, I filed a dispute to remove personal information that I do not want on my credit report. My dispute number is XXXX, I spoke with representative XXXX XXXX on XX/XX/XXXX. The representative assured me that my information would be removed and name would be updated. On XX/XX/XXXX I received a letter from Equifax with my name spelled incorrectly stating that I needed to send in documentation to update my name and remove this incorrect personal information. I contacted Equifax on XX/XX/XXXX and spoke with a representative who stated that XXXX XXXX did not file my dispute properly and the only way to remove and update this information would be to send in documentation. I explained to her that I did not give written permission to use my information that my name is wrong and that I want my information removed immediately. I am in the process of fixing my credit to better my life and get a home and car for my children and I after having to leave an abusive marriage and start over. So to have to deal with these clear violations of the law is just frustrating and upsetting on top of what I'm already dealing with. She filed a new dispute for deleting my name and that dispute number is XXXX. Again these are clear violations of my rights and I want this information corrected and removed immediately. 

According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. No financial institution is supposed to share my information to third party people. Also, according to 15 U.S. C. 16815-2 ( 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 These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On or about XXXX I opened an Amex Bluebird account for their savings-type card and general banking account. Not the prepaid debit account, the other one. 

After opening, I set up online access and was in the process of configuring personal info, alert settings, privacy settings etc. 

When I got to the Alerts preferences none were selected so they were able to be 100 % customized to my alerts needs. After configuring I clicked the Save button and moved on to the Privacy settings. 

When I got to the Privacy preferences, every XXXX of them ( approx. XXXX ) were pre-selected to allow Amex/Bluebird to distribute my personal data unconditionally or in other words every radio button was preselected Yes to allow Amex/Bluebird to distribute my data to whomever for whatever purpose they chose. 

After changing all the radio buttons to No and upon reaching the bottom of the page where the XXXXave button should be, there was no Save button. At first I tried zooming in and out to see if it would appear but it didn't. After reloading and going back then forward to see if the Privacy settings were saved, they were not. Everything defaulted back to Yes to give Amex/Bluebird total contol over my privacy and data. I have 3 decades of experience in engineering and am more knowledgable than most in the use, configuration and maintenance of PC and PC driven systems and software. I verified this Privacy problem on XXXX up-to-date browsers, XXXX XXXX  and XXXX XXXX 

It appears that this company placed their footer on the privacy page intentionally over the Save button so most would give up attempting to Save their Privacy choices and just let Amex/Bluebird sell and distribute their personal lives across the planet. The footer blocking the Save button only affected the Privacy Save options, none of about 6 or 7 other parts/pages of the account setup/maintenance site had this " No Save '' condition/problem. 

It was only the Privacy settings that couldn't be saved, I have to believe that Amex/Bluebird is gaining financially from this deceptive, unethical and probably illegal practice. 

Potentially, e

very Bluebird account/card holder is having their data sold and distributed unconditionally against their wishes. Please verify this matter and take appropriate action against American Express/Bluebird . 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I had a fradulent charge to my huntington Debit card on XX/XX/17, have called them and filled out and sent in all documentation to show the purchase of {$750.00} dollars was made against my knowledge and the bank still will not return my money, they gave me a temporary credit which they say they are now revoking, even though I sent all of my dispute information to them several times. Awful treatment by a company i have banked with for 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I hired an attorney, XXXX XXXX, to help me take care of the foreclosure in court & to dispute the mortgage. When the court date came, I was unaware of it because he never stayed on top of it and I lost my house as a result of not showing up by default. Wells Fargo was the bank processing the foreclosure at the time.

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 2022-12-23 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: DE

Complaint narrative:
The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-12-23 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: EQUIFAX, INC.
State: DE

Complaint narrative:
The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: ND

Complaint narrative:
Opened an account without my knowledge or consent. Sent me a focus debt card in the mail. Had sent me someone elses money on the debt card. Tried calling to understand the situation for over 2 months they just hang up on me. Was unable to login into my account that they made for me. Very disrespectful customer service.

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 2022-12-23 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: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-12-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report 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 2022-12-23 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: Experian Information Solutions Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief