vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-12-16 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: MA

Complaint narrative:
This is a follow-up complaint regarding my earlier case ( Complaint ID : XXXX ). 

I sent the requested documents to the company on XX/XX/XXXX and provided an additional document as per their request on XX/XX/XXXX. However, I have received no response from them. When I followed up with their customer service multiple times, and the latest XXXX is on XX/XX/XXXX, I was informed that my case had not been processed at all. Instead, I was told to restart the process entirely, which is both frustrating and unacceptable. 

Issue Summary : I am filing this formal complaint regarding my purchase of XXXX Vanilla Gift Cards, with a total value of {$990.00} ( {$490.00} and {$490.00} ). 

Unfortunately, I have been unable to use these cards due to persistent issues with the company locking the funds. I purchased the gift cards in XXXX, only to find shortly afterward that both cards were inexplicably locked, rendering them unusable. Upon contacting Vanilla Gift Cards customer service, I followed all their instructions, including uploading the requested documents to verify my identity and purchase. Despite my compliance, the company has failed to activate my replacement cards. 

It has now been over XXXX months since my original purchase, and I am still unable to access the funds I paid for. This delay has caused significant inconvenience and financial loss. I find this situation unfair and unreasonable, especially given that I have fulfilled all the companys requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: AK

Complaint narrative:
While on a XXXX XXXX XXXX XXXXXXXX Florida on XX/XX/XXXX XXXX XXXX I received an email from Robinhood market, INC that my account was locked due to location compliance. I XXXX XXXX XXXX but I complied with Robinhood to get in contact with the support team to have my account unlocked. I have sent over 8 emails without any response, I have called their number provided on their website and requested a call back and the site for 3 days said a Im in line for a callback, I have contacted ask support on their social media XXXX XXXX XXXX XXXX  in which Im told they can not assist in account issues but someone is looking into my emails, mind you the platform doesnt have my information to make such a statement and when I asked if the system is down I get a generated response that doesnt answer my question. I also had my mother access her account to explain my situation and request a callback and she too was given the message a call will arrive shortly but it never did.i have begged for assistance because XXXX XXXX XXXX XXXXXXXX and i have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i have pleaded for help since XX/XX/XXXX XXXX. In one of the numerous emails I sent a photo of my driver license, I also explained I have 2 factor authentication and is back in my home state so unlocking my account so i can sign in should not be difficult. However, the more I have no way of talking to an agent or reaching a person to assist I am becoming more stressed about whether I will gain access to my funds. I hope someone can please assist me in contacting Robinhood. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Insurance XXXX XXXX XXXX XXXX. XXXX, XXXX a property loan XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, an energy bill XXXX XXXX FLORIDA XX/XX/XXXX. An secured card XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. A XXXX credit card XXXX XXXX XXXX XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 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 non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase has a " Shop Through Chase '' program where you get a percentage of your purchase price back as points when going through their website to make the purchase. They had an offer for XXXX XXXX where you receive 8 % back in bonus points on purchases, with TVs being included ( screenshot of the offer attached ). The details of the purchase are as follows : Credit Card : Chase Freedom ( Last Four XXXX ) Retailer : XXXX XXXX Item Ordered : XXXX XXXX XXXX '' OLED TV Order Number : XXXX Order Date : XX/XX/XXXX Cost Pre-tax : {$2200.00} Total Cost : {$2400.00} 8 % Bonus Points I should receive : {$180.00} After making the purchase, I waited but never saw anything in the " Shopping Trips '' section that should show any transactions that were made. On XX/XX/XXXX, I made another purchase through Shop Through Chase at XXXX XXXX, and after only a few hours, the transaction showed in my shopping trips ( screenshot attached ). I ended up cancelling my order, but this was proof that I should have received confirmation of the bonus points by then. 

I sent a secure messages to Chase starting on XX/XX/XXXX to find out what was happening ( All Messages attached ). 
- The first person that responded was able to see on XX/XX/XXXX the points posted to Shop Through Chase on her end, but then went on to talk about why I might not get the points. 
- I followed up asking for confirmation that I will get the bonus points, and was told my case would be sent to a different department. I was then asked to provide a screenshot of the offer, which I did ( attached ), and got told to wait again while they escalate to a different department. 
- After 7 days, I was never contacted so reached out again for an update. On XX/XX/XXXX, someone from XXXX responds simply stating general information about the program and that I need to contact XXXX XXXX for help. This makes no sense as this is an offer from Chase, and their own FAQ says to contact Chase for any issues with their program. 
- I sent another message, confused on why XXXX is talking to me, and trying to get actual help on XX/XX/XXXX. 
- A full 10 days later on XX/XX/XXXX, I get the same message from last month that they don't see the offer and ask for another screenshot. I provide this the same day, and I am told again the case will be escalated. 

I have spent over a month on this and can not get anyone to help me. I keep on repeating myself, getting pushed through different queues, and not getting timely responses. I did everything correct so just want the {$180.00} in bonus points I am owed. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXXXXXX 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 2024-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
On XX/XX/year> I received an email forwarded to me by my mother-in-law. It was an email from Resurgent Capital Services, a debt collector, trying to contact me regarding an account in collections. My name, debt amount, and other personal information were included in her email. I don't know how they got her email, I have never used it for anything or provided it to anyone for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: LA

Complaint narrative:
I have disputed several items on my Experian credit report, but I do not agree with the results of the investigation. These items include multiple accounts, inquiries, and collection accounts. Despite my previous disputes, the information on my credit report remains unchanged, and I have not received sufficient proof or documentation regarding the negative information reported. I am requesting that Experian reinvestigate these items and either correct the information or delete the inaccurate entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking syst

em is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
" I am a small business credit cardholder with Goldman Sachs Bank. Despite repeated attempts to update my mailing address to receive monthly statements via USPS Mail, the bank has refused to make the necessary changes. Consequently, I have incurred multiple late fees, which the bank has also declined to remove. '' My updated mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX phone ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accurac
y.

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 2024-12-16 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: TN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accurac
y.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Having problems with all these second and third party consumer reporting companies selling my data to the three major credit bureaus without my consent, also I have been trying to opt out/freeze my data with these companies since XXXX XX/XX/year> to present, but nothing have been resolve and my credit with the three major credit bureaus have been incorrect since! XXXX XX/XX/year> to present, I will have a list of these consumer reporting companies on the second part of my complaint!

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 2024-12-16 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: LCI Acquisition Inc.
State: TX

Complaint narrative:
Having problems with all these second and third party consumer reporting companies selling my data to the three major credit bureaus without my consent, also I have been trying to opt out/freeze my data with these companies since XXXX XX/XX/2018 to XXXX, but nothing have been resolve and my credit with the three major credit bureaus have been incorrect since! XXXX XX/XX/2018 to XXXX, I will have a list of these consumer reporting companies on the second part of my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy listed on my credit report. I have a court-issued letter that clearly confirms this bankruptcy should not have been reported to your agency. Despite this official documentation, the bankruptcy remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified 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 explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BILL.COM, LLC
State: CA

Complaint narrative:
I strongly believe that I was discriminated against, I have an XXXX XXXX XXXX score and this company declined me after I submitted my Driver 's License which has my photo, no other company requested this information and I have had colleagues with inferior credit get approved. Need this looked into ASAP.

Company response to consumer: Closed with explanation