vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To whom it may concern : 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 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # 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 2024-05-18 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: FL

Complaint narrative:
On XX/XX/2024. I sent in my FTC Report, along with my License to XXXX, Equifax, and XXXX. I am a victim of identity theft and i have incorrect information reporting on my consumer report. I will proceed with a civil lawsuit also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>. I sent in my FTC Report, along with my License to XXXX, XXXX, and Experian. I am a victim of identity theft and i have incorrect information reporting on my consumer report. I will proceed with a civil lawsuit also.

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 2024-05-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: AL

Complaint narrative:
Basically I have had a netspend card since XXXX and up until XX/XX/XXXX, I was using this card. During this time, I have had XXXX separate incidents with money being taken out of my account. Most recently, someone even created a virtual card. Just today, I have sent a disputed email to Netspend regarding charges that were made in my account. I am closing my netspend account but before I can, I have to get a new card, in order for me to have access to the money that is still in the account. I feel as though there is something going on with Netspend. I am not sure if this is an inside job or perhaps they have been exposed to a data breach that they have not made their customers aware of. Either way, I have been harmed financially because of it. I am a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, I can not afford for mishaps such as this to keep occuring. It seems as though, Netspend does not take enough action to protect their customers. Something needs to be done about their business practices. I am reporting this because I do not want this to keep happening to me, or anyone else. Please advise. 

Charges I am trying to get resolved now : Claim Date : XX/XX/XXXX Claim Number : XXXX ( removed for security purposes ) Claim Amount : {$1900.00} **there is one more charge but my account has been restricted and i can no longer access it. 

Previously, I had to dispute the following charges that were finally resolved : XX/XX/XXXXXXXX XXXX XXXX -pin purchase charge at XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$500.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX pin purchase charge XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX  {$600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX {$730.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Mall, XXXXXXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX {$560.00} 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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank, processor for my TJ Maxx/Marshall 's Master Card credit card just notified me, in my recent bill statement, that I would be charged {$1.00} if I continued to want a paper bill and did not want to go paperless. I am a senior citizen, and I don't like going paperless. I only pay an occasional invoice when my husband assists me to make a payment, he uses a password generating system, which I find too difficult to use and it's only on his computer. I am XXXX years old, and I have a pristine credit score, but I typically prefer to get my bills by mail, as does my husband, and pay them by check. I think it's even more bizarre that the notice said, if I charge less than {$2.00} a month, there would be no paper bill fee of {$2.00}, but honestly the insert in my statement was so confusing I am not positive that this is the case. This lunacy however, it did seem confirmed when I called the credit card company to complain. I feel like charging {$1.00} monthly just to irk them, but instead I took the credit card out of my wallet and will no longer use it. I think this {$1.00} fee for NOT going paperless is discriminatory to seniors and low-income people with no home access to computers and have to rely on public wi-fi in public places, or the library where others may be more easily be able to hack their account information. This fee practice for paper bills should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: TX

Complaint narrative:
I tried to dispute my information to update it. My information is still on my credit report. My report still has the wrong 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 2024-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: OK

Complaint narrative:
I requested debt validation never received any information. 
The original debt was with Regional finance. Debt was sold to XXXX XXXX XXXX acct # XXXX I dispute this debt regional finance ok Wrote this debt off as a loss for tax purposes & reported to the IRS as canceled debt. This debt is no longer valid. Please refer to internal revenue code IRC section 6050p & fair credit reporting act FCRA section 611 which supports my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm writing to challenge the bankruptcy listed on my credit report. I have a letter from the court stating that this bankruptcy should not be reported. Also, the involvement of an unauthorized third party makes this situation even more ridiculous and worrying.

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 2024-05-18 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: TX

Complaint narrative:
I tried to dispute my information to update it. My information is still on my credit report. My report still has the wrong 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 2024-05-18 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: TX

Complaint narrative:
I tried to dispute my information to update it. My information is still on my credit report. My report still has the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
On Saturday XX/XX/2024 at XXXX, my Chime banking account was abruptly closed. I called the customer service number multiple times about the issue and was repeatedly told the same thing, which was that my account was closed for some kind of terms violation but they refused to tell me what this supposed violation was. I requested the {$200.00} balance be returned to me and was told that my account was ineligible for a refund. Every time I tried to push the issue and ask more questions, the call would be abruptly ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I opened an account and they never sent me a debit card or checks to access my money. My Cousin sent me monies XXXX via Wire for a funeral they told me to XXXX to myself XXXX flagged that because I now had XXXX XXXX accounts, They told me to add an external account they could not XXXX my Cap XXXX Account they told me to add my XXXX in XXXX external acct I did then Xfered the money to her they flagged my account XX/XX/24 after telling me what to do as potential fraud and now have XXXX of mine in limbo since XX/XX/24 I call every day XXXX times since then and they give me nothing but the run around. I followed every direction according to their own Bankers and now I had to replace my cousins monies buy getting a loan on my car RIDICULOUS

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 2024-05-18 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: EQUIFAX, 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. 

These Accounts include, ( XXXX XXXX partial account number # XXXX... 
balance of {$910.00}. 
Address ID : XXXX XXXX XXXX XXXX XXXX XXXX account number # XXXX Balance of {$200.00} accrued during XXXX. Paid off. Want removed. 

XXXX XXXX XXXX Partial Account Number # XXXX .... 
Balance of {$1900.00} Written Off. Balance Accumulated during XXXX Being incarcerated led to late payments and closure. 

XXXX XXXX XXXX  Partial Account Number # XXXX .... 
This account is scheduled to continue until the year XXXX. Listed as closed and never late payment although there is a balance of {$2200.00} Would like for all or some above to be removed to better ensure the privacy of my information and credit ) which has has violated my rights. 

15 U.S.C. 1681 Section 502 A mentions 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 mentions no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report by seven years or more.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate! 

My criminal report started with the legal system wrongly framing me for a charge I did not commit in the XXXX XXXX XXXX XXXX XXXX XXXX which put me in the system where I later was in fact in trouble due to living situations after first initial charge. I will attach the hard inquires that have impacted my privacy and Credit as well that I would like condensed to one inquiry or removed as a whole.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: CA

Complaint narrative:
FCRA 605B mandates the removal of incorrect accounts from my credit report. This account is inaccurately reported, so please eliminate it from my credit file. I am owed {$1000.00} for every incorrect entry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: WA

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 explanation
Consumer complaint received 2024-05-18 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: FL

Complaint narrative:
Dear TransUnion Team, account # # XXXX I am reaching out to express my concerns regarding the late payment reports filed by XXXX and the subsequent investigationor lack thereofconducted by your agency. Despite my efforts to rectify this matter by submitting the appropriate documentation, Shellpoints inaccurate reporting persists on my credit report, and your agency has yet to take corrective action. 

Your email notification outlined a process where TransUnion reviews the furnishers response to determine the next steps, including the deletion or modification of information if it is found to be inaccurate, incomplete, or unverifiable. However, it seems this process has not been followed in my case. 

Here are the specifics that need your immediate attention : XX/XX/XXXX XXXX XXXX Report : XXXX reported a XXXX late payment for XX/XX/XXXX. 
This report lacks credibility as there are no preceding incremental late payment reports, such as XXXX, XXXX, or 90 days late, which should logically lead up to a XXXX late status. 
XX/XX/XXXX XXXX XXXX Report : In XX/XX/XXXX, another XXXX late payment was reported by XXXX. 
Similar to the previous instance, there were no prior reports of incremental late payments. 
XX/XX/XXXX XXXX XXXX Report : XXXX reported a XXXX late payment in XX/XX/XXXX. 
This report is also questionable due to the absence of preceding late payment reports. 
The Fair Credit Reporting Act ( FCRA ) mandates that all reported information must be accurate. The discrepancies in XXXX reporting and TransUnion failure to remove these inaccuracies from my record suggest a breach of this requirement. 

I urge TransUnion to conduct a proper investigation, taking into account the detailed information I have provided. Should this issue not be resolved promptly and accurately, I am prepared to take legal action, as I have previously done with XXXX. 

I trust that TransUnion will address this matter with the seriousness it deserves and look forward to seeing the necessary corrections reflected on my credit report. 

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 2024-05-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: TomoCredit Inc.
State: FL

Complaint narrative:
I have already filled a complaint with you regarding tomo boost about closing an account with them.The complaint was closed because they stated account would be closed now there trying to still withdraw money from my checking account without any authorization.this account is paid in full nothing is owed and I have already filled a complaint I want this account closed permanently please help tell them to stop trying to withdraw money after they stated account would be closed please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
According to your investigation of Experians Inquiry reporting per a membership I pay through to let me see all XXXX bureaus it appears as of XXXX XXXX, Experian claims there is no such statment and there is!!! If you cant get it removed I will then alert the FTC about the insubordination reflected by this! I am going to break this down into 3rd grade language for you Experian Credit Bureau charges me a certain amount of money ea month to process 3 bureaus, they are as listed XXXX. Experian XXXX. XXXX XXXX. XXXX XXXX XXXX has a report that EXPERIAN supposedly XXXX and what that means is This business is to UPDATE accurate information with ACCURATE dates- something of which they DO NOT DO, you seem to be fine with this- for what reasons I have no clue but for the information to be listed as a LIE to make me look bad and unreliable your willing to accept it. 
This inquiry is on XXXX 's report handled through Experian that is what a membership does, why you cant grasp it I don't know, but my patience is run out! The inquiry is dated XXXX XXXX and is supposed to be removed XX/XX/year>. What year is this now? 2024, what month is it now? well looks like it is XX/XX/year> about to go into XX/XX/year> I have sent print outs to both parties by MAIL that's United States Mail and this was done XXXX weeks ago, it does not take a flipping month for mail to arrive unless the carrier cant read! And to this day the dang information is still there pending as a LIE! I don't need to refresh my browser, I don't need to format my entire computer to clear something XXXX XXXX wont remove and Experian ignores it. What is the excuse this time?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NC

Complaint narrative:
I've informed Discover Bank that an account reporting on my credit report resulted from identity theft. They stated they had investigated and had not determined that this resulted from identity theft and that the personal information used to open the account belonged to me. I have responded and told Discover Bank that none of the personal information belongs to me, other than my name, date of birth, and social security number. The address used to open the account and receive the card has never belonged to me, the phone number, and email address also don't belong to me. I was told this card was used on XXXX XXXX, but I do not own an XXXX, further proving my identity theft claim. Discover has failed to properly investigate and find or provide any evidence that this account belongs to me, and is in violation of numerous consumer protection laws.

Company response to consumer: Closed with explanation