vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
{$790.00}, {$790.00} {$250.00} {$1000.00} XXXX XXXX. All WRONG I contacted the creditor they stated this account does not belong to them. I then disputed the charges with the credit bureaus only to learn different amounts and open/closed dates showed discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
{$790.00}, {$790.00} {$250.00} {$1000.00} XXXX XXXX. All WRONG I contacted the creditor they stated this account does not belong to them. I then disputed the charges with the credit bureaus only to learn different amounts and open/closed dates showed discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: CA

Complaint narrative:
After I had filed a dispute for unauthorized transactions with a bank for the amount of {$2800.00} with an online casino called XXXX who I did not have an account with at the time causing my account to not be in good standing after the provisional credit had expired after the investigation was done and they had a resolution to this, which I had contacted chime and requested to amend their decision, which they agreed to send me paperwork regarding their decision so that I may do so in a timely manner, but I never received anything from them regarding my requests so that I can amend this false decision made by this company, because I had proof that I had sent to them, but they still did not accept it. I had contacted XXXX as well to file this unauthorized charges that were made to my account, but they were no help either. One good proof that I had sent to chime was an email from modo.us asking me to verify this account with them with my information, meanwhile they had been charging my debit card with numerous charges from them which should have not been done if I did not verify an account with them. After they lied to me and said that I was verified with their system is when they sent me an email to verify myself, which I did not verify myself with an account that did not belong to me or they would have tried to tied those unauthorized charges to me. Chime never took into consideration my requests nor did they look more deep into this since I was not the one who made these charges and realize that the charges did not belong to me, because I know that they did not belong to me, yet they did not do a good job with looking into it especially when I have provided the main proof they needed with the account with modo.us not being a verified account so no money should have been taken especially from an account that was not verified with myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of TWO personal credit card account opened at XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), and XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-12-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a {$100.00} gift card from a co-worker this past year. It was brand new with the cardboard packaging intact and a sticker over the card when I opened it to activate it. 

I followed the instructions on the card and went to prepaidgiftbalance.com to activate it on XXXX XXXX, but the website told me I needed to update a four-digit PIN to use the card and instructed me to call customer service at XXXX. I don't know how it would have a PIN because it was brand new and hadn't been activated or registered. 

When I called on XXXX XXXX, I gave the rep all the information they asked only to be told the card couldn't be activated because it was registered under a different name than mine. It was in new packaging and had a sticker over the card number on the front, so this couldn't be the case because it requires you to punch in that number to register the card. 

I told the agent it was a gift and I opened it brand new, but they told me I needed to submit proof of ownership and a form with a copy of my driver 's license or social security card to this website : https : //www.prepaidgiftbalance.com/kroger-gift-card-misprint I uploaded my driver 's license, but am unclear how this would help or be necessary to activate a gift card. After following the steps, I never received a confirmation email that the process was complete and now I have no way of knowing whether this website is even legitimate. This is the most difficult process for activating a gift card that I've ever experienced. I want the card to be activated so I can use it. I can only imagine how much money this company is pocketing because people give up on this frustrating process.

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 monetary relief
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX hard inquiries are the results of identity theft and 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 non-monetary relief
Consumer complaint received 2024-12-24 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:
Dear credit bureau, I am contacting you regarding complaint XXXX XXXXXXXX. I asked that you all send itemized receipts and proof of investigation and have not received yet again. I would like an actual human to read through the complaint. Please advise a data furnisher is not a complete investigation. Please advise the 30 day window is complete, which means that legally you have to delete the reporting of XXXX XXXX. I am disgruntled and demand the reporting be removed immediately as it is a violation of my FCRA rights. Remove the account below. Account- XXXX Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was notified of a transaction on XX/XX/XXXX for me to verify on my Chase XXXX Credit Card as potential fraud. The transaction was in my town at a drugstore, with the card used in person, I only have XXXX card ( always in my possession ), and I do not use that drugstore. Chase added a stranger as authorized user on XX/XX/XXXX or XX/XX/XXXX ( name, address and phone # for XXXX ) on my account without my consent, sent them a secondary card to an address not on my account WITHOUT my consent or any two-factor authorization with me, the account owner. When I called consumer fraud protection, they had to call me back to verify it was me to report the issue, would not disclose who or where they sent my card to, and therefore, I can not file a police report. They didn't need XXXX to add a stranger to my account, or to send a XXXX card out to an unauthorized address. This person is attempting to steal my identity and infiltrate all of my financial accounts-and Chase is treating me like the perpetrator, rather than assisting me to protect myself from identity theft all because of their error. 
There is no alert activity to me prior to the XXXX ( after midnight ) when I addressed the issue. see attached.Chase removed everything else off of that account for me to see as they issued a new card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: MD

Complaint narrative:
My name is XXXX XXXX, I deposited {$4800.00} on XX/XX/year> and {$4700.00} on XX/XX/year> from my verified XXXX XXXX XXXX account via external transfer to my Gemini for trading and investing. Gemini told me within XXXX business days my deposit will be available for trading and investing. After the XXXX business day waiting period, I then purchased bitcoin and tried to send my gains to my other personal crypto wallet. When I tried to send my bitcoin to my other wallet I got a message from Gemini app that says error this transfer can not be sent at this time and needs further review from the team. I was promised my money will be available to buy/send within XXXX business days. Gemini already withdraw money from my bank account. I submitted a request to them via email and their support chat. I received a message from them stating that they needed me to take a selfie picture of me holding my Drivers License and a piece of paper with the ticket ID # and date written on it for identity verification. I submitted the picture to them as soon as possible but they still have not gotten back to me or fixed the issue for a few days now. My Gemini ticket number is XXXX. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: MS

Complaint narrative:
I am seeking an investigation into specific accounts on my credit report due to potential inaccuracies. These accounts, which had been deleted earlier, have resurfaced without my awareness. I was neither informed of their return nor received any mail concerning this issue.

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 2024-12-24 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: OH

Complaint narrative:
Per FCRA 15 U.S.C 1681i ( a ), all unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify this inaccurate late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE will force my lega team to file complaints with the FTC, CFPB, Attorney General of ( Ohio ) along with any further legal action we deem necessary including but not limited to civil and punitive damages. 
Also these companies are reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to 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 non-monetary relief
Consumer complaint received 2024-12-24 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: OH

Complaint narrative:
Per FCRA 15 U.S.C 1681i ( a ), all unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify this inaccurate late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE will force my lega team to file complaints with the FTC, CFPB, Attorney General of ( XXXX  ) along with any further legal action we deem necessary including but not limited to civil and punitive damages. 
Also these companies are reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
Initially, Rubin & Rothman sent their process servers out to my parents place on several occasions in attempt to serve me papers a few years back. At the time, I did not reside at that address. 
They would come frequently, pestering my parents demanding to serve me documents for XXXX XXXX XXXX and XXXX. To the point it became a nuisance. 
Each time, theyd come to my parents asking if I was currently home, if I still lived with them, putting fear into my parents if they were withholding my location by way of threatening legal actions against me. 
For XXXX, my account was closed more than XXXX years ago before they came at me with papers. 
As for XXXX, nothing shows I owe anything on my credit history and yet I am being served with papers from the same Rubin & Rothman attorneys that have also contacted my work of Employment ( as I requested that they not to ) and now garnish my wages knowing there wasnt any proof on the credit bureaus report that I owed. These Attorneys have been threatening to take legal actions as intimidation factor so I would submit to them and their Overcharged additional processing and legal fees which is above the original Creditors supposed principal balance. 
They are difficult to get ahold of and when I do, they either have picked up after several rings, then immediately hang up. Also, have given me the round-around on who to contact or what the contract entails and so forth, all in order to confuse and press me into agreeing to their deceptively, unethical practice. They have withheld what my rights are to bind me into a contract with them. 
Theres more to add. As of now, I wanted to state this.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company and remove any previous addresses. 

Please update my personal information and address to : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

ASKED SEVERAL TIMES FOR ALL OTHER ADDRESS TO BE REMOVED LISTED : 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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.

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation