vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 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: Netspend Corporation
State: WY

Complaint narrative:
I went to buy a prepaid visa at the gas station in XXXX wyoming about XX/XX/2023. Once purchased I tried several times via phone and internet to activate the card. It continued to deny me access to a card I prepaid for and had already put XXXX dollars of my money on. I had to wait till the following monday to call the company. When I called they informed me they could not give me access to an account because they could not identify me. I did this for over XXXX hours till finally it was revealed I had already had an account and despite that it was in the positive by XXXX dollars they still could not identify me because I could not tell them my last XXXX transactions with exact numbers and passwords. but they wouldn't tell me where or who I had this account with. Then finally they said they would refund me my XXXX plue the other XXXX dollars. I gave them my address and still have not had a check. I called back again trying to get my refund for the money same thing they informed me they were sending a check but no nothing its been months I want my money back and I want access to all accounts under my name with information. Ive been told the refund is coming and its now 3 months when they promised 10 days. they promised this 2 times now.

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 2023-11-30 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. I believe that these entries do not accurately reflect my overall creditworthiness. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have taken proactive measures to rectify the situation and ensure timely payments in the future. I value my financial responsibility and the importance of a positive credit history. As such, I kindly request that the late payments associated with my account be either removed or updated to accurately reflect the current status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my deep frustration and annoyance with the continued presence of fraudulent accounts on my credit report. Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX - PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter. It has been years since I first reported these fraudulent accounts to your bureau, and yet they continue to tarnish my credit history, causing me financial and emotional distress. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all these efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.

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 2023-11-30 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: NJ

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my deep frustration and annoyance with the continued presence of fraudulent accounts on my credit report. Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXXXXXX XXXX XXXX XXXXXXXX - PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter. It has been years since I first reported these fraudulent accounts to your bureau, and yet they continue to tarnish my credit history, causing me financial and emotional distress. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all these efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.

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 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my deep frustration and annoyance with the continued presence of fraudulent accounts on my credit report. Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX - PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter. It has been years since I first reported these fraudulent accounts to your bureau, and yet they continue to tarnish my credit history, causing me financial and emotional distress. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all these efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: CA

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 Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate 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 XXXXXXXX Balance : {$7800.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$700.00}

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 explanation
Consumer complaint received 2023-11-30 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: NJ

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: NJ

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/2023, I received a phone call from Barclays stating that my account is past due XXXX days. This account was past due XXXX days due to an annual fee that posted to my account. 

I received no notification whatsoever regarding late payment.

Barclays ended up closing my account without me knowing.

I paid all fees, penalties, and remaining balance. I requested paper statements and attempted to find out if my credit score was affected and whether my card could be reinstated. Representatives were unable to answer.

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 2023-11-30 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: TX

Complaint narrative:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Background : I currently have a credit card debt with Bank of America for a Business credit card call " Buisness Advantage '' Thru the Bank of America mobile application Ive tried to choose for payment plan options, once Ive answered a couple of questions the app provide me to talk to a credit counseling in order to get help to pay the credit card debt that I have with them, -My wife and my self are joint account holders for a Bank of America Checking account called Advantage Plus On XX/XX/XXXX of 2023, my wife went to a Bank of America ATM and using my debit card she deposit the amount of {$1100.00} dlls, this money was to pay some immigration procedures with USCIS and Dept of State . 

The next day ( XX/XX/XXXX of 2023 ) we found out thru the app that Bank of America was Offseting the amount of {$620.00} and transfer this amount to the credit card debt previously mentioned without any previously notice, nor contact and even when Ive try to get payment option plans help. 

By reading some publications my understanding is that banks can have the right to offset when there is a car loan and/or mortgage debt, but not for revolving accounts like credit card debt, and not from joint account since my wife is not a joint debtor in this circumstances, Tried to contact Bank of America Customer service and the only way to get an answer was thru the Bank of America XXXX XXXX by chatting with an agent and the only this she told me is that they offset the money in our checking account because I owe them money on the business credit card, and that was it.

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 2023-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to vehemently dispute the validity of an account tarnishing my credit report, which I strongly believe is a result of identity theft. I demand that your bureau, in strict adherence to the Fair Credit Reporting Act ( FCRA ), launches an immediate investigation into the authenticity of this claim. I expect a thorough verification under oath for the following : A sworn confirmation that the claimed account is valid, devoid of any claims and defenses, including but not limited to a breach of agreement, failure of consideration, or material alterations ; An oath-assured confirmation that the original lender provided legitimate value in connection with the alleged account ; A sworn guarantee that the alleged account was transferred in good faith and with the explicit consent of all parties involved. Failure to provide, under oath, the necessary information to validate the credibility of the aforementioned account will result in an immediate and unambiguous demand for the removal of this account from my credit report and all related records maintained by your bureau. These are the accounts : XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-11-30 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: IL

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXXXXXX XXXX XXXX  XX/XX/XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to vehemently dispute the validity of an account tarnishing my credit report, which I strongly believe is a result of identity theft. I demand that your bureau, in strict adherence to the Fair Credit Reporting Act ( FCRA ), launches an immediate investigation into the authenticity of this claim. I expect a thorough verification under oath for the following : A sworn confirmation that the claimed account is valid, devoid of any claims and defenses, including but not limited to a breach of agreement, failure of consideration, or material alterations ; An oath-assured confirmation that the original lender provided legitimate value in connection with the alleged account ; A sworn guarantee that the alleged account was transferred in good faith and with the explicit consent of all parties involved. Failure to provide, under oath, the necessary information to validate the credibility of the aforementioned account will result in an immediate and unambiguous demand for the removal of this account from my credit report and all related records maintained by your bureau. These are the accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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