vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I've dispued these accounts for the pass year. I've sent all the information they asked and the negitive information is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maury Cobb, Attorney at Law, LLC
State: GA

Complaint narrative:
I am XXXX XXXX XXXX. On XX/XX/XXXX received a letter dated XX/XX/XXXX from Mary Cobb Attorney at Law on behalf of XXXX for a {$490.00} debt that is incorrect. The amount owed should be XXXX. In fact, XXXX  owes me. I called this law firm on XX/XX/XXXX at XXXX and told them that this was a mistake and that I do not owe anything, and they blew me off and said that they are only a debt collector. On XX/XX/XXXX, the {$490.00} dollars was reported on my credit reports. Now, I can not get financing to fix my roof that was damaged in a XXXX that recently hit my town. On XX/XX/XXXX, I called the law firm again and told them that they sent wrong information to the credit bureau, and they told me to mail receipts to them and they will resolve. I mailed them the info by certified mail on XX/XX/XXXX. I called the Law firm on XX/XX/XXXX to confirm they received, and they said they received and sent to XXXX for validation, however, they never validated the information before my information was sent to the credit bureau XXXX The law firm said that it would take 30 days. I contacted the Law firm on XX/XX/XXXX to follow-up on status, and the person I spoke to is now say 60 to 90 days, and hung up in my face after I told her that I was going to report them and XXXX to the Consumer Financial Protection Bureau XXXX 

XXXX XXXX was fraudulently debiting money from my bank account for a device that I had cancelled, and I have proof that it was cancelled. Both the Law firm and XXXX are reporting wrong information on my credit report that is having a negative impact on me getting financing to fix my roof during a rainy season. I am a XXXX citizen, and I they think they can ignore me. 

I would like XXXX and Law Firm to remove the incorrect information from my credit report, and I would like XXXX to pay me back all of the money that they were debiting from my account ( {$560.00} ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/2023 I made a purchase from XXXX XXXX in the amount of XXXX $ online. XXXX XXXX did not have the product but had charged my Vanilla Visa gift card. XXXX XXXX Issued me a refund, Vanilla Visa Gift card has never honored that refund or given me my money back. 

XXXX I ordered from XXXX XXXX XXXX XXXX glasses cleaner. The eye glasses cleaner smudged my glasses and left a residue so I returned the cleaner to XXXX XXXX who issued me a refund to my Vanilla Visa Gift card of XXXX XXXX Vanilla Visa Gift card never re applied this money to my balance. 

On XX/XX/2023 I purchased a dress and some flip flops from XXXX XXXX for the price of XXXX I was charged this but the store realized they did not have the product. It was again an online purchase, XXXX XXXX assured me repeatedly that they had done an instant return to my Vanilla Visa Gift card and the money should be back on my card. Vanilla Visa Gift Card did not give me my money back. 

I have called the Vanilla Visa Gift card customer care hotline :XXXX dozens and dozens of times trying to get through. No one ever answers no matter how long one is on hold and I have been on hold for literally hours altogether. This past week I wrote Vanilla Visa Gift Card customer care a letter addressed to : Vanilla Gift Cards XXXX XXXX XXXX XXXX, GA XXXX I have gotten no response. I am writing this letter with the complaint that Vanilla Visa Gift Cards is keeping money owed to me on transacrtions that involve refunds to my account. I feel this is fraudulent and illegal. I am asking for your help to resolve the issue. Please help me as I feel like I have done everything I can to solve this problem. I thank you in advance for any help that you can give, Once again Vanilla Visa Gift card is in debt to me for XXXX {$8.00} $ and XXXX $ I don't want this issue to get any worse than it has gotten nor do I wish this to happen to anyone else. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
TRANSUNION WAS GIVEN AN OFFICIAL UNSWORN DECLARATION NOTICE ON XX/XX/2023 TO REMOVE ACCOUNTS FROM HIS CREDIT REPORT BY INTEREST OF TRANSUNION BEING A " FINANCIAL INSTITUTION '' AND DID NOT RECIEVE AUTHORIZATION FROM THE CONSUMER TO DISCLOSE THE ACCOUNTS HEREIN AND FAILED TO PRODUCE ANY WRITTEN OR ELECTRONICALLY FILED DOCUMENTS FROM WHICH THE CONSUMER AUTHORIZED TRANSUNION TO DO SO. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION WAS GIVEN 7-10 BUSINESS DAYS TO REMOVE SUCH UNAUTHORIZED REPORTS AND DID NOT DO SUCH WITHIN THE 30 DAY EXHAUSTMENT PERIOD. 


XXXX WAS GIVEN AN OFFICIAL UNSWORN DECLARATION NOTICE ON XX/XX/2023 TO REMOVE ACCOUNTS FROM HIS CREDIT REPORT BY INTEREST OF XXXX BEING A " FINANCIAL INSTITUTION '' AND DID NOT RECIEVE AUTHORIZATION FROM THE CONSUMER TO DISCLOSE THE ACCOUNTS HEREIN AND FAILED TO PRODUCE ANY WRITTEN OR ELECTRONICALLY FILED DOCUMENTS FROM WHICH THE CONSUMER AUTHORIZED XXXX TO DO SO. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAS GIVEN 7-10 BUSINESS DAYS TO REMOVE SUCH UNAUTHORIZED REPORTS AND DID NOT DO SUCH WITHIN THE 30 DAY EXHAUSTMENT PERIOD.

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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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. 

Tracking numbers are as followed : Experian:XXXX XXXX XXXX Account names : XXXX XXXX : XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$340.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00}, XXXX  XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX 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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I've dispued these accounts for the pass year. I've sent all the information they asked and the negitive information is still on my 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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I've dispued these accounts for the pass year. I've sent all the information they asked and the negitive information is still on my 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 explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I legally changed my name in XXXX of XXXX. XXXX XXXX and XXXX had both updated that information rather quickly, but in XXXX, my automotive lender was unable to pull my Equifax report, which caused some hardship in obtaining a loan but I was ultimately able to get one at a rate above normal market value. In XXXX, I started the process of obtaining a mortgage, at which point my mortgage company found that Equifax was reporting that attempts to pull my report using my legal name were returning as fraud. On XX/XX/XXXX I reached out to Equifax to find out how to fix this error and was told that I should file a dispute online to change my name, and that the turn around time for this is normally 5 to 7 business days. I did so, and followed up with them after 5 business days had passed. I had uploaded my new drivers license and social security card. At that time, I was told that it could actually take 30 days, and I asked whether there was anything I could do to speed up the process. I was told they had everything they needed to do the name change and that I just had to wait, including the following times I called. On XX/XX/XXXX, I saw that the dispute was fulfilled, but their website still displayed the name. I contacted my mortgage company and they tried several times to pull my credit report again, and finally today, XX/XX/XXXX, I reached out to Equifax and was told they had not changed my name. I was told that I have to mail in my documents in order to change my name, and that they do not have a way for me to upload the necessary documents. 
I am greatly disappointed in Equifax for this, especially because I did more than my due diligence trying to resolve this and the other credit bureaus updated their information when I did so with my lenders. I am also quite upset that the rate on my loan is so high because of their inability to update information I had updated with my lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
XXXX, XXXX XXXX TransUnion are reporting information on my credit reporting fraudulent accounts 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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX, Equifax XXXX XXXX are reporting information on my credit reporting fraudulent accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
The accounts are linked to an address thats not mine. I have disputed the errors repeatedly with each bureau for removal but I have been unsuccessful. These negative accounts are hindering my progress.

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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XX/XX/XXXX an electronic letter was sent from USAA through my online banking for an account that was in the negative - {$4.00} ( Ending in XXXX ). In the electronic letter the bank mentioned the account was ultimately closed in XX/XX/XXXX due to the account being in the negative. However, I was not aware of the status of my account until XX/XX/XXXX when I tried to log into my account and viewed the letter. In XX/XX/XXXX, I tried to open an account with another bank and I was denied due to critical information that was being flagged on my consumer reports. I am unable to open any other accounts with banks that I have applied to, which tells me there must be some critical information on there that will not allow me to do banking with any other banks. USAA is the only bank that I have ever worked with and had a great relationship with until my account closed. The only incident that I can think of that could be tied to this was back in XX/XX/XXXX a company by the name of XXXX XXXX XXXX XXXXXXXX XXXX XXXX sent a check to me under their financial services check system however, USAA updated that check as invalid. I then contacted that company and expressed my concern, and I was told that some of the information was incorrect on the check and that another check would be sent out, which they did send back out and I tried to cash that check but once again the bank updated it as invalid. After that incident I chose to no longer communicate with this company due to this company invalid check activity on their part. The account was put in the negative because of this company 's actions, which was out of my control. XXXX XXXX XXXX XXXXXXXX XXXX bears responsibility for this. I am requesting for USAA to remove any negative flags on my account if there is any in regard to this account as I was not notified previously if the account was being closed for any other reason, otherwise I would have disputed it and provided any information requested. I am also requesting for XXXX XXXX XXXX to also remove any negative flags on my account in regard to this account and also send a copy of my report. This is causing an extreme hardship since I can not have any direct deposits/paychecks at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I have Five Fruad Accounts on All Three Credit Reports XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX {$690.00} XXXX XXXX {$610.00} XXXX XXXX XXXX {$120.00}

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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have Five Fruad Accounts on All Three Credit Reports XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX {$690.00} XXXX XXXX {$610.00} XXXX XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Stellantis Financial Services US Corp.
State: KS

Complaint narrative:
On XX/XX/XXXX I made a payment to 1st Investors Servicing Corporation to pay off my loan in the amount of XXXX. This was the total the website said I owed. My XX/XX/XXXX bill said {$860.00}. So apparently I have an overpayment of {$400.00} that is due to be refunded to me. My bill, the website and customer service balance are all difference amounts. In trying to get the account straight with customer service I was passed around, then their customer service was down, then I called back. This all took place on XX/XX/XXXX. All the while they kept wanting to send my call to " titles '' since my car is now paid off. I spoke with " titles '' and they verified they have absolutely nothing to do with the issuance of my {$400.00} overpayment and they can not request the funds to be released as it is not their department, they handle titles only. Makes sense. 

I spoke with five different people and no one could tell me when I would be getting my overpayment. One person said it would be at least 20 days before released. Unacceptable. Not delivered in 20 days. They were just going to hold on to it. When I said it was unacceptable and what was the reason, they could not give me one. It's " titles ''. Again, titles said they had nothing to do with the release of payment but customer service kept blaming them. The " best '' they could do was to put in a request to have my payment refunded but it probably would not be. Because of titles,,, The title should have nothing to do with my refund. A title should be issued when the account is at XXXX. Mine is at XXXX. I was told no one could issue my refund. Nobody knew what they were doing or what department handled the refund. Literally, I do not know. Even the supervisors. Again they kept blaming " titles '' which " titles '' again, said they have NOTHING to do with billing. I finally had to start refusing to be sent to titles. Listen to the calls. They say they record everything. It is unfair and unethical that 1st Investors Servicing Company is holding over {$400.00} and will not refund the money, nor give me an acceptable answer when it will be or why they are holding it. The title release doesn't make sense. It's a negative balance! A title should be issued at {$0.00} so why won't they refund me?

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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 provides important protections for consumers ' privacy rights.

604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681b ( a ) ( 2 ), states that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written consent for such disclosure.

Section 1666b of Title 15 of the United States Code prohibits creditors from treating a payment as late for any reason under an open-end consumer credit plan. 
My rights to privacy and consent have been violated.

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