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

Complaint narrative:
The following accounts and inquiries are a direct result of my information being compromised and used without my authorization. These accounts Im listing are fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts are hindering me from accessing any credit of my own and unable to buy things such as a car and house. I was hoping you could help and look more into the matter because its fraud.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: AK

Complaint narrative:
XXXX  XXXX XXXX FNBOmaha Gave stranger thief a credit card under my social security number for XXXX and even increased recently to XXXX. They are not doing anything about my complaints, identity theft filed, phone calls, emails, nothing to help 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 2024-01-02 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: MI

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 Number : XXXX is stating that it is 30 days or more late. This account has never been late. This account is also reporting differently on all 3 credit reports. There is a discrepancy in the last activity, payment status, payment history, as well as other areas. I disputed this information with Equifax, XXXX, and XXXX. They said that the information was verified and accurate. I do not understand how it could be verified, if it's not accurate and incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 1681 Section 602 A : States that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account in question : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Address Information on Consumer Report Dear Credit Reporting Agency I am writing to formally dispute and request the removal of inaccurate address information listed on my consumer credit report, as provided by your agency. My name is XXXX XXXX, and I am concerned about the accuracy of the information on my credit report. 
I recently obtained a copy of my credit report and found that it contains addresses that do not belong to me. The inaccurate addresses listed are : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is my right to ensure the accuracy and integrity of the information listed on my credit report. These addresses are not associated with me in any way, and their inclusion is misleading and erroneous. 
Enclosed with this letter, please find copies of my supporting documentation my Thank You 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 2024-01-01 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Address Information on Consumer Report Dear Credit Reporting Agency I am writing to formally dispute and request the removal of inaccurate address information listed on my consumer credit report, as provided by your agency. My name is XXXX XXXX, and I am concerned about the accuracy of the information on my credit report. 
I recently obtained a copy of my credit report and found that it contains addresses that do not belong to me. The inaccurate addresses listed are : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is my right to ensure the accuracy and integrity of the information listed on my credit report. These addresses are not associated with me in any way, and their inclusion is misleading and erroneous. 
Enclosed with this letter, please find copies of my supporting documentation my Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: MI

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 Number : XXXX is stating that it is 30 days or more late. This account has never been late. This account is also reporting differently on all 3 credit reports. There is a discrepancy in the last activity, payment status, payment history, as well as other areas. I disputed this information with XXXX, Transunion, and XXXX. They said that the information was verified and accurate. I do not understand how it could be verified, if it's not accurate and incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 1681 Section 602 A : States that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account in question : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number 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 2024-01-02 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: MI

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 Number : XXXX is stating that it is 30 days or more late. This account has never been late. This account is also reporting differently on all 3 credit reports. There is a discrepancy in the last activity, payment status, payment history, as well as other areas. I disputed this information with XXXX, XXXX, and Experian. They said that the information was verified and accurate. I do not understand how it could be verified, if it's not accurate and incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 1681 Section 602 A : States that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account in question : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number 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 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Applied using my master credit account/social security card and was denied. Was not counter offered or matched. Discriminated against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have No Knowledge of these hard inquiry 's The Higher Inquiries a result of identity theft, And That it Must Be Removed no later than 4 business days as per 15 USC 1681, c. Two

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: FC HoldCo LLC
State: TN

Complaint narrative:
I have No Knowledge of these hard inquiry 's The Higher Inquiries a result of identity theft, And That it Must Be Removed no later than 4 business days as per 15 USC 1681, c. Two

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 2024-01-01 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: NC

Complaint narrative:
I received a {$2000.00} prepaid American Express e-gift card in XX/XX/XXXX. I have tried to use the card several times and am unable to use it anywhere. I have been unable to spend any of the {$2000.00}. I have tried : Paying a {$310.00} medical bill to XXXX XXXX XXXXXXXX XXXX XXXX  - declined ( XX/XX/XXXX ) Buying a {$22.00} picture frame on XXXX  - declined ( XX/XX/XXXX ) Buying a {$130.00} bag of dog food from XXXX  - declined ( XX/XX/XXXX ) Purchasing a {$200.00} XXXX gift card from XXXX - declined ( XX/XX/XXXX ) Purchasing a {$25.00} XXXX  gift card from XXXX - declined ( XX/XX/XXXX ) I called the customer service line since I haven't been able to spend the card anywhere. I was told that the card did not work at all retailers. I asked where it did work and they were unable to tell me any locations where it was accepted. They told me to use it physically in stores ; however, this is an e-gift card and will not be accepted in physical retail locations. This is a significant amount of money and I do not want to keep trying to spend it at various places just to have the card continue to be rejected. This card is useless to me at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: 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: WA

Complaint narrative:
I purchased the cards ( 4 vanilla gift card visas each {$500.00} which totaled {$2000.00} ) XX/XX/. Upon getting home 15 minutes after purchase I went to open all the cards and activate them for my childrens XXXX gifts. It was at that time I realized all 4 cards XXXX codes were completely scratched off under the sealed package and glued back together to look untocuhed. I contacted vanilla giftcard dispute immediately to cancel those 4 giftcards and get a replacement card in time for XXXX. They said my cards all still have the {$500.00} on them so they would be able to block those cards and issue new cards that would come in 10 days with the full funds available since they were still unharmed just the physical cards was damaged. 

10 days go by on XX/XX/XXXX my new cards come in the mail and I got to activate them but all the cards except one say they had {$0.00} available and the last card said it had {$5.00} pending but the other {$490.00} was spent. 

I called vanilla gift card immediately and asked where my funds were if they promised the money would be sent in the new cards sonce the old cards were cancelled 15 minutes after purchase when I called them to inform them about the XXXX being scaratched off. They said they were not sure what happend to the new cards but now I would need to do a dispute on the cards transactions bc they were used and spent even though i never had the new cards in my hand until XX/XX/XXXX  and they were not activated until I called that same day and they were already spent. 

They had me email dispute information of proof of purchase, activation codes on receipt and my ID and the original damaged vanilla goft cards. 

Since XX/XX/XXXX i have contacted them weekly in email and phone call form but they have not reissued my funds of {$2000.00} which they said they would be doing in 4 weeks. They do not email me back and have not verified they received all the requested information. They just keeps telling me to wait but no end date in sight. 

I really need my {$2000.00} back as I had to use savings to repurchase the gift cards else where for my kids XXXX gifts. 

I need help this is insane it can not get help anywhere to get any information and I have no money left now. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: NE

Complaint narrative:
Netspend is apart of XXXX, as I see this information, and on XX/XX/XXXX they closed my account, stated there was fraud on my account and the higher ups decided to close my account, they left me stranded at work no way home, as I take a XXXX home then they left me with no money for XXXX, and food on my plate, then, after asking for three weeks for my money to be sent to me and after waiting over 30 days they want to ask the higher ups if they can reissue the check come XX/XX/XXXX, they stated no money is leaving the bank until then, which I dont know what this bank is doing but they are not following state laws, they can not hold onto my bank account, and they lied about issues me a refund, there is no refund to me, as I would have cashed the check, and I as a customer should not have to be to blame for fraud on my account, simply they should have reissued me a new card, if that were the case, instead they violated my rights, and have not sent me my bank account balance for XXXX, and I want this money, it was my money to begin with, from my work check deposited XX/XX/XXXX to this bank. 
I have asked for their legal department number and address, and I want my bank account check overnighted to me, or I will seek council.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The lender would rescind the trustee 's sale and allow the process to continue.

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 2024-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
Thunderbird Collection Specialists, Inc ( TCS ) contacted me using US mails on XX/XX/. The solicitation was missing the required disclaimer per the Domestic Mail Manuel codified in 39 USC 3001 & 3005. The solicitation came without my prior direct consent nor authorized by court order ; further violating the FDCPA [ 15 usc 1692c ]. The solicitation made claims that I owed them an alleged debt ; violation of FDCPA [ 15 USC 1692b ]. 
These are means of unfair practices to attempt to collect an alleged debt as we have no valid contract/agreement. My privacy rights have been violated as well as HIPPA laws. 
The creation of an account in my name without my prior approval nor consent constitutes identity theft. The company did not have a license to collect debt in my state at the time of XX/XX/. 
On XX/XX/XXXX  my daughter informed XXXX XXXX that she was going to dispute the alleged debt but due to greater privacy laws, HIPPA violations, and mail fraud violations, she advised XXXX XXXX to remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This debt was charged off on XX/XX/2023 there have not been a 1099c sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This debt was charged off on XX/XX/2019 there have not been a 1099c sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the 3 credit agencies.

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 2024-01-02 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: TX

Complaint narrative:
This debt was charged off on XX/XX/2019 there have not been a 1099c sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
My mortgage is owned by XXXX XXXX and serviced by Freedom Mortgage. I have been unable to set up an online account with the servicer Freedom Mortgage for over three months. For that reason, I have been unable to set up automatic payments or any sort of payment plan for my mortgage. Problem : when I go to set up my account with Freedom Mortgage, the website says that my last name and SS number and loan number do not match the data in their records. I spoke with representatives from Freedom Mortgage over the phone around XX/XX/2023. They were unable to fix the problem but said they sent the issue to their IT department. The representative said that their IT department would fix the problem, and that she would call me back when the problem was resolved. I have not heard from Freedom Mortgage since. 

There appears to be no way to change the loan servicer if I am unhappy with the level or quality of service they provide. This is unfair, and should be changed because it affects my ability to pay off the mortgage. As a mortgagee, I should be allowed to choose who services my loan, not XXXX XXXX, which as far as I am concerned, is basically the federal government. If the servicer doesn't provide adequate service to the customer, then the customer should be able to require the mortgage holder to switch who services the loan. There should be consequences to the servicer for providing poor or inadequate customer service.

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 2024-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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