vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: IL

Complaint narrative:
I received 2 prepaid virtual American Express gift cards totaling {$250.00} in XXXX of XXXX. During the past month, I have attempted to use these cards at a variety of brick and mortar and online merchants. The cards have never worked. I have also tried to add the cards to my XXXX account without success. I was able to add them to my XXXX and XXXX wallet, but they have been declined on every attempt to use them for an in person purchase. During the past month, I would estimate that I have attempted to use these cards at 25-30 merchants without success. This includes XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX among many others. I have requested either a physical card or a check for the funds in question, and American Express has told me that this is not an option and that I should just Try the card somewhere else. I can only add 1 card number to the complaint, but will be happy to provide the second card number if contacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was a victim of identity theft. I have indetified accounts on my credit reoort that was opened without my knowledge or consent, Ive attached My FTC credit report for your reference.

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 2024-01-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: AZ

Complaint narrative:
Wallet containing the Direct Express card was lost approximately 18 months ago. When the new card arrived we were unable to activate it because we no longer had the phone number on file or knew if any email. We were advised of next steps. We emailed over social security card, birth certificate, and drivers license that was confirmed as received. We then went to Social Security and they updated number. Social Security however does not have those direct ties with Direct Express any longer but a supervisor helped us out and changed phone number and requested a callback. We did receive the call and was able to verify everything except when they tried to send a code to the phone. We were on said phone and the code never came through. The representative stated himself that the government phones dont get the code. We explained that you called us on the phone number youre trying to get code from, but he still wouldnt activate card. Theres approximately {$1200.00} on this card we havent been able to use. We went back to social security and they could only cancel direct pay and we were able to get a bank account with XXXX. Please up us get this money. I actually got strength to try again and will do so today. We just paused, not gave up because it was overwhelming and we had deaths in our family and have been healing. But now we are back at it and requesting your help before I guess the last resort which would be to sue. We have direct deposit info from social security. I dont think theyre stealing our money, but have made it impossible to get

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XXXX XXXX 2023. Purchased a rug through XXXX, XXXX XXXX XXXX " Bought it through PayPal in a pay in XXXX agreement. When the rug arrived I discovered it was the wrong rug. Immediately tried to reach XXXX, XXXX XXXX  XXXX, XXXX times, to no avail. 
XXXX XXXX I opened a dispute case with PayPal. I was finally able to talk to a person at XXXX XXXX XXXX XXXX Supervisor sent me a return label. 
XXXX 2023 Was dropped off at local XXXX office in XXXX Pa .Return rec. received. 
XXXX 2023 Rug arrived at final destination at XXXX. Logged in by XXXX. Notified representative at PayPal, he looked up return tracking no. Confirmed it's receipt. Assured me the info would be properly logged in. 

I have since been through XXXX appeals and no one there seems to be able to rectify the issue. They're still holding XXXX of my payments and sending me notices that my third and fourth payments NEED TO BE PAID!!! I had to pay to have a stop payment on my ck. acct. 
I have attached the proof that I sent PayPal in multiple emails and texts. 

also I have called them many, many, many times and can provide you screen shots of each call if oyu need them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 1681n. Civil liability for willful noncompliance XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once 2. 1681i. Procedure in case of disputed accuracy XXXX Account XXXX : XXXX This Account is inaccurate and Im seeking litigation please delete at once. 
3. 1681n. Civil liability for willful noncompliance XXXX XXXX Account XXXX : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
4. 1681i. Procedure in case of disputed accuracy XXXX XXXX XXXX 
Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once 5. 15 U.S code 1681b ( a ) ( 3 ) ( a ) XXXX XXXX Account Number : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
6. 1681s - Administrative enforcement XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
7. 15 U.S code 1681b ( a ) ( 3 ) ( a ) XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00}

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 1681n. Civil liability for willful noncompliance XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once 2. 1681i. Procedure in case of disputed accuracy XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once. 
3. 1681n. Civil liability for willful noncompliance XXXX XXXX Account XXXX : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
4. 1681i. Procedure in case of disputed accuracy XXXX XXXX XXXX 
Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once 5. 15 U.S code 1681b ( a ) ( 3 ) ( a ) XXXX XXXX Account Number : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
6. 1681s - Administrative enforcement XXXX Account XXXX : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
7. 15 U.S code 1681b ( a ) ( 3 ) ( a ) XXXX XXXX XXXXccount Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

8. 15 U.S code 1681b ( a ) ( 3 ) ( a XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Branch Messenger, Inc.
State: NC

Complaint narrative:
For unknown reasons the account is locked and can not access earnings. Its been 6 days and the company Branch will not respond or resolve my access. Your directed to first level help desk, they say it is elevated yet never a responce from the supposed elevated team. 
I need to know why it was locked out and access to my earnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Back in XXXX of XXXX  I received a call from someone claiming to be with Wells Fargo Bank wanting to know if I was traveling abroad because I had some unusual charges on my account that were out of my state. They sent me a text message with a 6 digit number that they wanted me to read back to them for verification of who I was. Later that day I received an email from Wells Fargo stating that I had signed up for online wire transfers ( I did not ). Also received an email stating that an online wire transfer had been initiated out of my account. I immediately called Wells Fargo and spoke with an associate, I informed her that I did not sign for such service nor did I initiate a wire transfer. She informed that my money would be back in my account in 24 to 48 hours. To this date I have not received my money back. I have reported this to my local Sherriff Dept. and a warrant has been issued.

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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I applied for an AMEX XXXX XXXX XXXX, which stated that you will received XXXX bonus points after spending XXXX in 90 days, and I did that. I reached out to customer service and they said i did not qualify for the offer. I said I was approved for the card and was only advised to do the qualifying spend. Their promotion is clearly unfair, and deceptive and they don't even notify you. I reached out to Amex and all they said is they can not do anything else for me.I said I would not have applied for the card, and have them run my credit and impact my score unless I am getting the bonus offer, which I was under the expectation that I am getting after the qualifying spend. Amex can't do anything else for me, I gave them a chance to make this right but they are not standing by their customer, and not making it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  ; Account : XXXX XXXXXXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX, - XXXXXXXX XXXX XXXX XXXX, Account : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ( XXXX XXXX XXXX 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 an account without my written instructions.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was looking to my credit report and find out there are fraudulent inquires XXXX. XXXX XXXX XXXX - Transunion XXXX. XXXX XXXX XXXX XXXX XXXXTransunion XXXX. XXXX XXXX - XXXX XXXX Transunion XXXX. XXXX XXXX XX/XX/XXXX, XXXX Transunion And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Multiple times from XXXX to XXXX Ive disputed XXXX XXXX for their constant reporting on my credit report of late payments when it is a closed account which goes against Fair Credit Reporting. A closed account can not be late or continue to report on my credit as a late account for XXXX years resulting in multiple credit denials. Most recently Ive written XXXX and EXPERIAN asking them for validation of debt as well as proof of investigation and the means in which they affirm that the late reporting of a closed account is within Fair Credit Reporting practices. All of which times both companies ignored my request and sent me notice of an updated resolution that was exactly the same as before the dispute.

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 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Filed a complaint already against this company. Complaint Number XXXX. The company responded back to CFPB stating they will remove all tradeline from credit bureaus. Allow up to 60 days. It has been over 60 days. Company had responded back on XX/XX/XXXX. Contacted NCB on XX/XX/XXXX representative stated they see nothing on there end in regards to removing the debt from reports. I stated CFPB would not make up false information on the complaint. Representative said they would forward the information to the compliance team and see who responded back to CFPB. Insane how they cant seem to find the information THEY sent to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress.

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