vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: CA

Complaint narrative:
I was asking for a refund because funds we're taken from me were unauthorized so they denied my claim after that I asked them for a refund again because as I said the fun they took were unauthorized I tried to send them as much information as I could so they turned off my prepaid card and I can not get a new one it says an unexpected error occurs I've tried to fix this with the company multiple times I deleted my account I asked them to delete all my information and started a new one and the same error message still comes up so I believe that they have something linked to my personal information and or social security number that makes me ineligible to get another card and I have fun sent me through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: KY

Complaint narrative:
After I tried several times to dispute the XXXX and XXXX account you keep telling me that they are correct. They are not correct. I only use VA hospitals as XXXX XXXX Va XXXX. Ive never been in an ambulance. If XXXX is telling you differently, they are deliberately lying to you. I cant show you papers or contracts from a hospital and ambulance Ive never used. Here is my VA info for whom I only use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 non-monetary relief
Consumer complaint received 2024-03-06 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: CA

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 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.

15U.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. 

This is improper use of my credit on XX/XX/20XXXX XXXX account shows as a " Derogatory Account '', on XX/XX/2024 it's showing as an " Improved Account '', and then on XX/XX/2024 it's showing as " Delinquent Account '' I need this account from removed from my credit within 30 days or less as these inaccuracies are stopping me from getting a house for my family.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I pulled my consumer report and noticed erroneous errors; including but not limited to my address. 

Pursuant to FCRA laws, I have the right to dispute incomplete or inaccurate information. 
How did Experian validate that these non-mailable addresses belong to me? What proof does Experian have that these address belong to me? Experian, please provide the proof to me via sending the validation documents to my certified address referenced below. 

The referenced non-mailable addresses below, do not belong to me, I do not recognize, are non-mailable addresses, and I am unable to receive mail at these addresses. 

Furthermore I am informing Experian of this error and would like for the error to be corrected. Thank you for your attention to this urgent matter. 


I only have one certified mailable address that belongs to me, and that I may receive mail to. The certified-mailable address that belongs to me is : Certified Mailable Address : 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 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 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 Enclosed Proof of Identity : 1 ) Photo identification/Drivers License 2 ) Bank Statement Respectfully, 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 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I paid this account as agreed with XXXX XXXX however, it shows on my account as LVNV Funding. Once it's paid the company agreed to delete from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Attempted to purchase XXXX XXXX on XXXX XXXX. I used my capital one credit card thru XXXX. Never received XXXX or shipping confirmation. XXXX weeks of supplying capital one with all the documentation, they still have not reversed the charge. The seller is a scammer and my documentation proved that. Don't understand how this thief can get away with my {$310.00}. Need help getting this credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: GA

Complaint narrative:
Incorrect names. I requested it to be removed but still wasn't removed As Per : 15 USC 1681b- remove all address and phone number, and email-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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: NJ

Complaint narrative:
I have Fraudulent inquiries on my credit profile that I did not authorize

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 2024-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SoLo Funds Inc.
State: NY

Complaint narrative:
I have submitted documentation ( bankruptcy documents ) to Solo Funds and their website continues to state that I pay what I owe. They are also claiming that I am requesting loans which is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This letter serves as a second formal complaint that inaccurate and incomplete information is being reported on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately notation date and balance whether reported or not. 


The XXXX  days past due payments that are being reported are for months that I was granted an extension arrangement which according to XXXX policy : An extension arrangement is available to customers experiencing temporary, financial hardship to defer XXXX or more installment payments to the end of the contract term.

When a payment is deferred to the end of the contract, the scheduled contract maturity date, or final payment date, will be extended by each installment that was deferred and may result in the assessment of additional interest. 

How can I be XXXX  days past due if I made a payment arrangement with XXXX within my due dates and before my grace period ended. XXXX never reported any past due payment until after my auto loan was paid in full. 
I started applying for extensions because of billing errors on XXXX end. I was being charged for payments that was already paid. They never admitted to this, but I have since received checks from XXXX for the overpayments. 
I respectfully request to be provided proof that these payments were in fact late. By the provision of the consumer laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL ( Paid as Agreed. Never Late ) and supply a corrected credit profile to any creditor who have requested my credit report in the last XXXX months. 

I have attached copies of my transaction history printed from my online account with XXXX and my payment history that was emailed to me from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: VA

Complaint narrative:
I have been disputing this account for almost a year. I continue to ask for proof to validate the account but have not received it. Taking a look at the account on my credit it is showing my last payment as XX/XX/2019, however my two year payment history shows the account being Charged off in XX/XX/XXXX ', XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX. The account also shows I was 60 days late in XXXX as well as 60 days late in XXXX, how is this possible? This is clearly a violation of my rights according to the FRCA and I demand this be investigated immediately and provide me written proof of each violation currently showing on my credit. I have attached a copy

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 2024-03-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
XXXX. On XX/XX/XXXX I sent an email ( as I was instructed ) to XXXX Good morning, Before I can register a XXXX that I purchased, XXXX XXXX XXXX XXXX requires proof of satisfaction of a prior loan for this property. They informed me that a loan in the amount of {$100000.00} was taken out by XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX through XXXX XXXXXXXX XXXX ( now FNB ) under Batch XXXX. 

Please forward this signed documentation to me either in pdf format to my email XXXX or mail to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The same day, XX/XX/XXXX I received this response from FNB : Hello, We would need the customer to reach out to us for their satisfaction. Unfortunately, we can not give out any information regarding other customers loans. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Mail XXXX : XXXX XXXX XXXX. Later that same day XX/XX/XXXX I replied to their email and have not received any response. 

" Consumer Financial Protection Bureau section 1024.36 Requests for Information. Specifically section i. I am a person with a successor in interest as I have now purchased this property and are required to verify that it does not have an outstanding loan. I can provide bills of sale, copies of my ID and whatever else you may need to validate my claim. 

Thank you for your assistance, XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: AZ

Complaint narrative:
Around middle of XXXX of XXXX, my son bought a Vanilla Gift Card as a birthday present for me, when I tried to buy an item using the card, for some reason got blocked and couldn't use it any longer so, I contacted XXXX XXXX XXXX or Incomm at vanilla.com to resolve this issue. 

They sent me a package which requires for me to send all the documents to support the complaint including proof of address, receipt from the place where I bought the card ( XXXX ), copy of my Drivers License, etc, etc. 

I sent all of the paperwork they ask me for 3 times and got the email confirmation and still NO solution, it has been 4 months with this nightmare already. 
Everytime I call them, they ask me to send the paperwork again and again and that I need to wait 3 to 4 months and when I ask for a supervisor they put a person on the phone with really strong accent like XXXX kind and is hard to understand what they say so I tried in spanish as well and no solution neither. 

I filed complaint with FTC or Federal Trade Commission and with the XXXX  Attorney General but nothing happens. 

The CASE # is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson and Kennard, LLP
State: NV

Complaint narrative:
XX/XX/XXXX - I received collections notice from Nelson & Kennard Ca Attorney office. 
XX/XX/XXXX - I immediate responded with a request for documented proof. 
XX/XX/XXXX - I received a packet of the credit card charges and the account details but no further proof it was my debt. 
XX/XX/XXXX - I responded in more detail requesting correlation to my identity such as social security number, DoB, Middle Name. I also stated the billing address for the account was never my residence. 
XX/XX/XXXX - I was served with a lawsuit for the debt with no further proof it was mine. 
XX/XX/XXXX - I retained a Lawyer and provided them with all documents pertaining to the matter. 
XX/XX/XXXX - I completed an FTC identity theft report, however, I do not believe this is identity theft and instead I am convinced this is the negligent practice of Nelson & Kennard, having performed XXXX due dilligence in proving the debt is mine. 
I will be filing a formal complaint with the state bar regarding the behavior of Nelson & Kennard, Law Office.

Company response to consumer: Closed with explanation