vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is a bankruptcy listed on my credit report. I've sent multiple letters to the bureau asking for the METHOD OF VALIDATION ... in other words, WHO reported that bankruptcy to the bureau. To date, the bureau has not responded to me with any information I have requested.

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 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I accidentally sent money to the wrong person using my fifth third debit card through XXXX when I tried to dispute the transaction they said as of today XXXX denied and I asked what about the temporary credit that the guy I filled my dispute with over the phone he said if they don't approve it I will still get a temporary credit but I didn't not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: 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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX****, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX. 


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 2024-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My name is XXXX XXXX, since XXXX I have recorded history of fraudulent debt that has and continually affected my credit and my finances. As of XX/XX/XXXX, I have worked endlessly to remove yet again another fraudulent debt, this debt is a charge off of {$800.00} through XXXX XXXX XXXX. I have reached out to the bank personally by phone multiple times asking for more information as well as starting a dispute request in which they have yet to provide. Once this account has took a toll on my credit, I took this a step further and started to dispute this account with the credit bureau 's XXXX, XXXX XXXX Transunion. By law they have taken 3 days to investigate this request and have not accepted my dispute and will not delete this account. I am growing very impatient and concerned about this matter that I can not resolve on my own. By law I am given the right to take action on fraud under my name and deserve resolution with this account. I am reaching out to CFPB to help me take matters further. Attached to this request is a current report circled in yellow showing the amount and account information. 

With all due respect, 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 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I tried to open an account and made aware that I can not because CHEX SYSTEMs is reporting inaccurate information from 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 2024-03-02 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
Incorrect historical data listed below : Incorrect Name - XXXX, XXXX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I also hereby formally dispute the accuracy of the following credit inquiries on my credit report : XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
In mid XXXX XXXXXXXX XXXX was able to rectify this situation and delete this off my credit report and nullify all derogatory marks which brought my XXXX  back to its flawless luster. The debt collection agency says they say i owe is a amount of XXXX $ at which i get harassed day and night by collection agencies if this was the case XXXX XXXX would not able to assist me the first time unfortunately i assume the debt which is not mine in the first place was sold to another debt collection agency as of XX/XX/XXXX which i was able see negatively affecting my XXXX as of XX/XX/XXXX on XXXX XXXX. I called XXXXXXXX XXXX  yesterday ( XX/XX/XXXX ) once again but they are not able to assist because they can not see the collection on my credit report on there end or i would not be submitting this complaint currently! This is not the first time this has occurred from the suppose ive debt that was struck off as of pseudo back in early mid XXXX. I would like to submit this complaint against Waypoint Resource Group holding my consumer credit report XXXX and destroying my XXXX  over something so minute and on top of that debt that is not even mine. I also would like to submit a complaint against XXXX for taking this complaint back in XX/XX/XXXX and not assisting me at all but in my opinion they only assist the big creditors not the consumer. So if this could be deleted off my report once and for all intense purposes it would be greatly appreciated with any assistance moving ahead. Hopefully not like XXXX the last 60 days nothing to report of. If i get any recourse or assistance in the next 15 days that would be more than ideal.

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 2024-03-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
On XXXX XXXX I purchased 3 Vanilla Visa Gift cards, 2 of the cards were defective. 
On XX/XX/XXXX I contacted the company for assistance, they told me they would give me a claim number to refund the XXXX dollars. I had not received the refund, so I called to find out why. I was told a check was mailed on the XXXX of XXXX and to give it 3 weeks to received the check. The day I contacted them on was XX/XX/XXXX so the 3 weeks had pasted. I have been calling them ever since and keep get the same answers, they say they will escalate it to a supervisor, or wait XXXX to XXXX hours for the system to update, or we are investigating the claim. Claim # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: NY

Complaint narrative:
I am writing to dispute fraudulent accounts on my credit report that I did not authorize or consent to. Upon reviewing my credit report, I discovered the following unauthorized accounts : 1. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX Outstanding Balance : {$1800.00} I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately. 

Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent that I opened the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if your company is notified by the consumer about inaccurate info on their credit report due to identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the accounts I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been received from the creditor and sent from your bureau. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed. 

Thank you for your attention to this matter.

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 2024-03-02 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: Blackhawk Network Holdings Inc.
State: KS

Complaint narrative:
Received this card as a gift. The card has never worked for making purchases. I can not get support. From the website the contact us page doesn't load anything, and the phone number on the back of the card goes to a generic robot that only gives balance information. The card is ran by Blackhawk Network, when calling Blackhawk the support agent said to called a different number that supports this particular card. The phone number she gave me rings a few times and disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: TN

Complaint narrative:
Transunion, XXXX, and XXXX refused to update or provide proof of the methods used to verify the accuracy of their reporting on my credit profile for account XXXX XXXX XXXX Since XX/XX/2023, they have collected inaccurate information on my credit profile and supplied it to financial institutions and other businesses. My repetitive efforts to have this problem resolved ended up being fruitless.

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 2024-03-02 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: TN

Complaint narrative:
XXXX, Equifax, and XXXX refused to update or provide proof of the methods used to verify the accuracy of their reporting on my credit profile for account XXXX XXXX XXXX Since XX/XX/2023, they have collected inaccurate information on my credit profile and supplied it to financial institutions and other businesses. My repetitive efforts to have this problem resolved ended up being fruitless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: FL

Complaint narrative:
Incorrect information in 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 non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
I did not open this account on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Urgent Report : Unexplained Credit Score Drop and Stolen Car Situation Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to bring to your attention a concerning situation involving XXXX and Chase Bank, and I seek your assistance in resolving the issues at hand. 

Recently, I received an alert from XXXX notifying me of an XXXX drop in my credit score. Upon further investigation, I discovered that XXXX removed my mortgage and installment accounts ' credit history, specifically my car loan with JPMCB auto. This is perplexing, as my credit report is clean and in good standing, and I have been making timely payments. Strangely, my last payment was just last week. 

Adding to the complexity, I received a letter from Chase Bank congratulating my sister, who is the cosigner, for paying off the car loan. This is perplexing as well, as I am the sole owner of the car and have made all the payments, including the final one last week. The letter was addressed solely to my sister, and it mentioned sending her the title in the coming weeks. 

The situation is further complicated by the fact that my car was stolen on XX/XX/2023, by an individual named XXXX XXXX. The theft occurred at the XXXX, XXXX XXXX, XXXX XXXX employees ' private parking, and the police report number is XXXX. Despite providing all relevant information, both Chase Bank and the XXXX Police Department have been uncooperative in helping recover my stolen car. 

I am deeply concerned that after reporting this discrepancy, XXXX XXXX re-add the account to my credit history, adversely affecting my credit score. I urgently seek your intervention and assistance in resolving both the credit reporting issue and the lack of cooperation in recovering my stolen car. 

I appreciate your prompt attention to this matter and your assistance in rectifying these challenges. Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect information in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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:
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 XXXXXXXX, Account name : XXXX : # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX : # XXXX Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX Account name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX 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 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 2024-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems was allowed unrightfully, to, after buying old and bad ( inaccurate ) paper they put a very old collection on my credit report that was already settled. This has caused me great harm, as my score dropped from a near perfect XXXX to XXXX. We explained that we returned all equipment to this now defunct for many years Cell Phone Company, and had a XXXX balance at the time of dissolution of that company many years ago. 
Jefferson Capital Systems has harrassed us, and is trying to enrich themselves on a bad ( Inaccurate ) bought paper. 
Under the FCRA we demand that Jefferson Capital Systems remove this bad paper from my Credit Report ASAP.

Company response to consumer: Closed with explanation