vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: KS

Complaint narrative:
On XX/XX/XXXX I found out that I had been receiving child support and it was going into a card that I had no knowledge of. I was told in XXXX of XXXX that I no longer would be getting payments and I threw away my card. Come to find out someone requested a card in my name, received said card, activated the card and began to use the money that was on the card as well as the payments that continued to load until I realized I was receiving payments. On XX/XX/XXXX I filed I dispute on all transactions that occurred from XX/XX/XXXX to XX/XX/XXXX. 
The dispute team awarded me a partial refund of the miner but denied me two transactions that occurred on XX/XX/XXXX the day the fraudulent card was activated. They were both {$500.00} and at an ATM. I was denied this payment because they said the dispute was over 120 days old. That's not possible. The transactions were XX/XX/XXXX and the dispute was filed XX/XX/XXXX. That's 99 days, period. There's no way to add 21 days to that date and make it over 120 days. I have spent hours on the phone with customer service reps, some have lied to me and said they were in direct contact with the dispute team and the denial stood, others say there's no way to contact the dispute team as they are off site. I have been told that I would be receiving a call from the dispute team within 24 hours and no one ever calls. There should of never been a card sent out that I personally didn't request. The security of US Bank is a joke. 95 % of the time they fail to ask me my password. I could be anyone calling in and they have dropped the ball completely.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against them if they do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted/correct from my file right away 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 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 2023-10-11 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against them if they do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted/correct from my file right away 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management
State: TN

Complaint narrative:
I had a XXXX at XXXX XXXX in XX/XX/XXXXXXXX  they are putting the debt on my credit report as of XXXX  and keep validating it as accurate even i have proof their dates and amount are wrong. My insurances took almost a year to pay it so at most it would have been XX/XX/XXXXXXXX  when the last payment was made. Also it violates HIPPA showing the name of the place i had XXXX and provides false info to insurance companies looking at my credit report and gives them health information about me on my credit report. I have filed multiple disputes over the last 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: IN

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. The letters are stated with items and issues. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 2023-10-11 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: U.S. BANCORP
State: GA

Complaint narrative:
Name of Co : U.S. Bank National Association - Cardholder Services - XXXX XXXX XXXX XXXX, FL XXXX In XXXX, I purchased a " XXXX XXXX XXXX '' Pre-Paid card from XXXX grocery store. Later that same year, I went on vacation out of the country and tried to use my card and XXXX froze the card and blocked me from using it. I contacted cardholder services and was told that the card was blocked and flagged for fraud ; and that matter would have to be addressed by the fraud department. Shortly, thereafter, I spoke to an individual in the fraud dept. My account was closed so I requested a refund of the balance which is now {$480.00}. That person told me that I would have to provide photo ID & Social Security Card. I was told that I could only send the documents by FAX and there was no " confirmation '' that could be provided when the documents are received. I was concerned about this process sending personal info without verification. I willing sent the photo ID and last four digits of social and the pre-paid card information. Still no reponse. I got a lawyer involved who also sent a letter on XX/XX/XXXX but still to this date.. no response.

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 2023-10-11 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: CA

Complaint narrative:
Identity theft is a serious issue that has not only jeopardized my financial stability but has also caused significant emotional distress. I want to reiterate that I have followed every proper legal procedure and requirement diligently to address this matter. It is important to note that, as a consumer who has diligently adhered to the proper legal procedures, the rejection of my identity theft claims contradicts the very principles of justice and protection that these procedures are designed to uphold. I strongly urge your bureau to recognize the gravity of this situation and the distress it has caused me. I insist that my identity theft claims are thoroughly reviewed in accordance with the law, and I expect the prompt resolution of this matter in a manner that reflects the seriousness of my situation. This is the account that was a result of ID-Theft : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX Please delete this account ASAP.

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 2023-10-11 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:
Identity theft is a serious issue that has not only jeopardized my financial stability but has also caused significant emotional distress. I want to reiterate that I have followed every proper legal procedure and requirement diligently to address this matter. It is important to note that, as a consumer who has diligently adhered to the proper legal procedures, the rejection of my identity theft claims contradicts the very principles of justice and protection that these procedures are designed to uphold. I strongly urge your bureau to recognize the gravity of this situation and the distress it has caused me. I insist that my identity theft claims are thoroughly reviewed in accordance with the law, and I expect the prompt resolution of this matter in a manner that reflects the seriousness of my situation. This is the account that was a result of ID-Theft XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX Please delete this account ASAP.

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 2023-10-11 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
IN ACCORDANCE WITH FCRA THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

UNDER 15 USC 1666 B A CREDITOR CAN NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN & CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.

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 2023-10-11 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: CA

Complaint narrative:
Info that has not been authorized by myself reporting on report as well as discrepancies.

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 2023-10-11 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXXXX

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
XX/XX/XXXX, I started a dispute in regards to duplicate accounts being report on my account for 1-auto loan I had with Santander/Lending club that was paid in full in XX/XX/XXXX to XXXX balance but was being reported as an open and still revolving credit. After I did so, the account was updated to reflect XXXX balance but then reported that the account was delinquent 2 times in XXXX more than 60 days in XXXX and XXXX of XXXX which was false information. This negligence/false reporting caused my credit score to drop significantly by over XXXX points across all 3-credit reporting bureaus. Causing me to be denied business credit because my credit dropped from good to fair, low XXXX to mid XXXX. After the dispute and correction I did not get my points back due to their error and now cant regain the credit access I have worked hard to maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I receive my payroll from XXXX on a XXXX XXXX. On XXXX, my paycheck of approximately {$600.00} was deposited into my account and when I went to withdrawal the money to put into my personal bank account, it stated insufficient funds. I immediately contacted XXXX to notify them of what happened. They asked me several questions, such as how many cards were issued, answer 1, does anyone have access to my card, answer no, does anyone have my personal information, answer no, do I have the card in my possession, answer yes. XXXX said they would mailing me a Dispute form, which I was to complete and return. Before I could complete and return the form, I received a letter from XXXX denying my claim of {$580.00}. This is the 3rd time in the last year that this has happened to me and each time XXXX denies my claim and I have to file complaints against them.

I would cancel my card except my employer deposits my paychecks into this account. 
I believe that a XXXX  employee is taking my money because I had the only card issued and a XXXX employee would be able to get a duplicate card and would have access to my personal information. 

I need your assistance getting this money back. I only bring home {$1400.00} a month, so having {$580.00} taken from me is devistating. 

thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Hello, On the date of XX/XX/2023, I received a call from a XXXX XXXX from XXXX XXXX XXXX. He stated I had a debt that was from an overdraft fee from Wells Fargo from over 10 years ago which is an absolute lie because I closed my account with them with no outstanding balances. Wells Fargo actually sent me a check about a few years ago for unclaimed money that belonged to me. I tried to explain that to him and he eventually became more aggressive after I was telling him that this is an odd claim. He then tried cutting me off saying " Okay, I'll just take this as a refusal to pay '' and hung up on me. I called back to inquire for more information. He picked up surprisingly considering he was quite rude and aggressive. He then tried confirming my personal information that he had of mine and I unwittingly confirmed my social security number which is now giving me XXXX because I'm not sure if he was real or a scammer. He still sounded aggressive with me after I tried disputing the claim and before I could get any more questions in, he hung up on me again. I tried calling back and now he's not answering. Of course, right after the calls, I ended up doing research on these types of situations and come to find out he violated the law with how he conducted himself on the phone and there's other complaints online about this specific XXXX XXXX and XXXX XXXX XXXX. This has now become another unnecessary burden knowing this potential crook has my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX **** Balance Owed : {$350000.00} XXXX XXXX **** Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Owed : {$190000.00} XXXX XXXX XXXX XXXX Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX  XXXX Owed : {$10000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}

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 2023-10-11 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: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX **** Balance Owed : {$350000.00} XXXX XXXX  **** Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Owed : {$190000.00} XXXX XXXX XXXX XXXX Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1300.00XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX  XXXX Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}

Company response to consumer: Closed with explanation