vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
So, I Recently got an {$50.00} American Express Gift Card as a gift from a friend of mine. I went online and activated it so i could be able to use it online, and in stores. However, XXXX ( XX/XX/2023 ), I tried to buy some digital currency for a game, But it wasn't allowing me to purchase anything. I checked the balance on my card and noticed that every time i tried to purchase something from XXXX, I'd get charged XXXX cents. I previously had {$50.00}, and now i have {$49.00}. I had XXXX cents taken out of my account from failed purchases. I tried to use the card on XXXX instead, but it was still not letting me purchase anything, giving me an error saying that something was wrong with my card. I even tried to go to a store to purchase a snack for myself, but i was never able to. I contacted the number on the back of the account so that i could see if my card was actually activated, and it was. My purchases just weren't going through. I went online and did more research and found out that i wasn't the only one having this issue, and many people haven't found a fix to it yet, so i decided to file a complaint for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: GA

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 : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number: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 2023-09-23 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/2023 Subject : Request for Assistance in Addressing XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to request your assistance in addressing a matter related to the reporting of a time-barred debt on my credit report. After carefully reviewing my credit report, I have identified a debt that has exceeded the statute of limitations for collection in my state. 

Below are the specific details of the debt in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX The debt in question is no longer legally collectible under the statute of limitations in my state, which is [ Your State 's Statute of Limitations ]. I have attached supporting documentation, including evidence of the date of first delinquency, to validate this claim. 

I kindly request your assistance in investigating and addressing this matter. Specifically, I am seeking your guidance and intervention to have this time-barred debt removed from my credit report in accordance with applicable laws and regulations. 

I understand that the Consumer Financial Protection Bureau plays a vital role in protecting consumers like me from unfair or inaccurate reporting by creditors and credit reporting agencies. I believe that this situation qualifies as such, as it involves a debt that is no longer legally collectible but is negatively affecting my creditworthiness. 

I appreciate your attention to this matter and kindly request that you take appropriate action to ensure the removal of the time-barred debt from my credit report. Your prompt assistance in resolving this issue will be greatly appreciated. 

If you require any additional information or documentation to assist with this request, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your dedication to consumer protection, and I look forward to your response. 

Sincerely, 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 2023-09-23 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: IA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed accounts are updated. 
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 2023-09-23 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: TN

Complaint narrative:
ON XXXX, I WAS SENT AN EMAIL BY XXXX STATING THAT MY NEW CREDIT CARD WAS APPROVED. AND ALSO THAT AN INQUIRY WAS MADE TO MY CREDIT WITHOUT MY CONSENT. I REPORTED THIS TO XXXX XXXX. I MADE A REPORT TO EXPERIAN WHO THEN SAID I SHOULD MAKE A FORMAL COMPLAINT TO CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing a complaint about the erroneous money missing from my account. 

Everything needs to be disputed, minus the large transaction for the vehicle purchase, until verification of it not being misrepresentation about the condition of the vehicle

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: TX

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. 

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 2023-09-23 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: GA

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 Account Number: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 2023-09-23 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
looking through my credit report i saw that wellsfargodealersvcs gained unauthorized access to my credit report on XX/XX/2023 this cause a dent on my credit report. this is a violation 15usc1681n

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was approved for a buy now pay later loan by XXXX via XXXXXXXX XXXX I setup autopay, but for some reason my payments werent processed! The account I used to setup autopay has had no less than {$20000.00} a year, so there is no reason why these payments werent processed! I was let know via email that my payments didnt go through, but the emails ended up in my spam folder! I was never informed via phone! l or mail! Luckily one day I ended up in my spam folder and came across the email, so I made my account current. The problem now is I have 3 late payments on my credit report now. I should be responsible for a companies autopay system. Now my credit is ruined! Please XXXX  can you remove these late payments from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: MD

Complaint narrative:
Subject : Unjustified Credit Score Decrease by XXXX XXXX and TransUnion I am writing to express my serious concerns regarding the consistent and unexplained decrease in my credit score as reported by XXXX XXXX and TransUnion. Despite my impeccable record of XXXX XXXX on-time payments, my credit score has experienced an inexplicable drop of XXXX points as of XX/XX/2023. This alarming development has occurred despite XXXX XXXX 's own admission that there have been no changes to my TransUnion credit report. 

It is particularly disconcerting that this significant drop in my credit score has transpired in the absence of any adverse changes in my credit profile. All my financial obligations have been met punctually, and there have been no delinquencies or negative entries on my credit report. In fact, XXXX XXXX is not refreshing the proper updates to my my most recently paid bills to reflect the right credit score. XXXX XXXX does not fairly and accurately change my credit score when I make all monthly payments on time. XXXX XXXX fails to set the checkmark for the correct most to recently paid bill. Doing so only allows my score to drop without reason and it never increase for paying on time. 

I have meticulously reviewed my credit report daily, and it is evident that there have been no alterations, neither positive nor negative, that could reasonably justify such a substantial reduction in my creditworthiness. As a conscientious consumer, I rely on the accuracy and fairness of credit reporting agencies to maintain the integrity of my credit profile. 

This unjustified credit score decrease not only affects my financial well-being but also raises concerns about the accuracy and transparency of credit reporting practices. I strongly believe that consumers should be provided with accurate and consistent information regarding their creditworthiness. 

In light of these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter. It is crucial that such issues are addressed promptly to safeguard the rights and financial interests of consumers like myself who have diligently upheld their financial responsibilities. 

I am prepared to provide any additional information or documentation required to assist in this investigation. Your prompt attention to this matter is greatly appreciated, as it will contribute to a fair and transparent credit reporting system for all consumers. 

Sincerely, 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 2023-09-23 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: Credit Karma, LLC
State: MD

Complaint narrative:
Subject : Unjustified Credit Score Decrease by Credit Karma and XXXX I am writing to express my serious concerns regarding the consistent and unexplained decrease in my credit score as reported by Credit Karma and XXXX. Despite my impeccable record of 100 % on-time payments, my credit score has experienced an inexplicable drop of XXXX points as of XX/XX/2023. This alarming development has occurred despite Credit Karma 's own admission that there have been no changes to my XXXX credit report. 

It is particularly disconcerting that this significant drop in my credit score has transpired in the absence of any adverse changes in my credit profile. All my financial obligations have been met punctually, and there have been no delinquencies or negative entries on my credit report. In fact, Credit Karma is not refreshing the proper updates to my my most recently paid bills to reflect the right credit score. Credit Karma does not fairly and accurately change my credit score when I make all monthly payments on time. Credit Karma fails to set the checkmark for the correct most to recently paid bill. Doing so only allows my score to drop without reason and it never increase for paying on time. 

I have meticulously reviewed my credit report daily, and it is evident that there have been no alterations, neither positive nor negative, that could reasonably justify such a substantial reduction in my creditworthiness. As a conscientious consumer, I rely on the accuracy and fairness of credit reporting agencies to maintain the integrity of my credit profile. 

This unjustified credit score decrease not only affects my financial well-being but also raises concerns about the accuracy and transparency of credit reporting practices. I strongly believe that consumers should be provided with accurate and consistent information regarding their creditworthiness. 

In light of these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter. It is crucial that such issues are addressed promptly to safeguard the rights and financial interests of consumers like myself who have diligently upheld their financial responsibilities. 

I am prepared to provide any additional information or documentation required to assist in this investigation. Your prompt attention to this matter is greatly appreciated, as it will contribute to a fair and transparent credit reporting system for all consumers. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Reporting 2 collections on my report with same account numbers. In violation not correcting or removing. Double jeopardy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: Capital Accounts, LLC
State: MI

Complaint narrative:
XXXX XXXX  shows up on my credit. I never did business with this company. Their business information is inaccurate. The number on my credit report shows for a Business by the name of XXXX XXXX XXXX on XXXX. And on the company name.doesnt match on the website they have or their XXXX account. The number they provided belongs to a man by the name of XXXX XXXX. All of this information is on XXXX. I would like this removed. It is ruining my reputation. I am not irresponsible person. Some places are complete scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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 have written the 3 bureaus to investigate and remove XXXX XXXX XXXX XXXX XXXX XXXX from my credit file, I never gave them written permission to furnish this information on my credit report. 

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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. 
I am requesting the following specific information related to your investigation : Proof of Investigation : Please provide documentation or records showing the steps taken during the investigation process to validate the accuracy of this account. 
Parties Investigated : Please specify the entities or individuals that were investigated in connection with this account, including the creditor and any other relevant parties. 
Investigation Timeline : Provide a detailed timeline of when the investigation was initiated, conducted, and concluded. 
It is essential for me to have access to this information to ensure that the reporting of this account on my credit report is accurate and complies with the Fair Credit Reporting Act ( FCRA ). 
I understand that you have a legal obligation to respond to this request within 30 days of receipt, as per the FCRA. If you can not provide the requested documentation within this timeframe or if you find that the account is not verifiable, I request that you delete the account from my credit report immediately. 
I appreciate your prompt attention to this matter and your compliance with the provisions of the FCRA.

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