vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX has reported a derogatory account against me in the form of a charge off as of XX/XX/23 in the amount of {$1700.00}. these marks are hurting my ability to get a mortgage at this time. 

JP Morgan has reported a charge off as well on 3 accounts I believe that these negative marks were reported without proper permissible purpose as defined under 15 US Code 1681b ( a ) ( 1 ) ( 2 ), 15 US Code 1681a ( 2 ) ( b ), and 15 US Code 1681e ( b ).

Based on my understanding of the permissible purpose law, I do not believe that the late payments and charge offs were reported with proper permissible purpose. I would like to request that you investigate this matter and provide proof that they had a permissible purpose to report this information. If they are unable to provide such proof, I request that they remove the negative marks from my credit report as required under 15 US Code 1681e ( b ) .asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed the items below but the bureaus did not remove them nor prove validation. 

XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed the items below but the bureaus did not remove them nor prove validation. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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 2023-05-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc.
State: OR

Complaint narrative:
The company XXXX issued me a rewards gift card on XX/XX/XXXX, shipped XX/XX/XXXX, and received by me XX/XX/XXXX for {$250.00}. The expiration date of the physical card was less than 6 months at XX/XX/XXXX. I found out today, XX/XX/XXXX, less than 6 months after I physically received and could use the card, that the physical card is expired, but that the card issuer could reissue a new card for a {$12.00} fee. But I also have to physically print off the form and physically mail the form, another obstacle the issuer is using. To replace the card with a new and valid expiration date, the card issuer is attempting to charge me {$12.00} fee. I was under the impression that I am entitled to this card and access to my {$250.00} for up to 5 years, and that no fees could legally be charged for up to 12 months after issuance, by the issuer. The 6 month expiration date funnels people towards a {$12.00} reissue fee, that is no where described on the card, and seems to violate my rights to access my gift cards funds free of charge within the first 12 months after issuance. What can I do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : CHILD SUPPORT ENF AG/N Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act MAZDA FINANCIAL SERV has violated my rights in XX/XX/XXXX and XX/XX/XXXX marking 2 late payments.

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Troy Capital, LLC
State: AL

Complaint narrative:
1.its not my debt 2.its already been paid off from the insurance from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I was informed by my job that I was being garnished by XXXX XXXX XXXX Managing Attorney. I sent a certified letter. dispute letter. 
I am requesting more information on this debt. The debt collector informed me that he has no more information beside a bill from 2016, which this doesnt show this belong to me. Therefore the garnishment.need to stop until more information shows this debt belonging to me. Paper work was severed to the wrong house in the wrong county, which do not the belong to me. We have two account number that I am disputing FIRST - account XXXX in the amount of {$1600.00}. 
Second account. Number XXXX {$8800.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America took my money after my deposit and gave it fraudulently to another by honering their fake checks made with my pay check information. Removing my funds from my account and sending it to the fraud person.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
i have appealed my credit report to the credit report agencies for numbers of despute. Bi law credit collectors must notify me bi either phone or bi telephone and assumption of notification does not validate contact. yet after providing portfolio recovery with a court document stating that at the time of purchase the letter they mailed to the po box one of the addresses in my credit report i no longer had access to the box as i was in XXXX XXXX on XX/XX/XXXX XXXX as shown on the court disposition i provided. Also to further validate that communacation was not made there is a XXXX XXXX on my credit report  that showed i was in XXXX  on XXXX XXXX. XXXX  on XX/XX/XXXX sentenced on XX/XX/XXXX no communication was mad to any XXXX XXXX and that is not my responsibility it was the responsibility of the debt collector as they assume all responsibily. this one reason of violation of consumer rights they also violated consumer rights as i recquested every sigle detail on my debt as payments contract as i never have entered into debt with portfolio recovery so i am entitled bi law to review for inspection every single detail of that debt includint and not limit to binding contract and payment history and amount the only thing fowarded bi portfolio recovery was a piece of paper with my name a few dates and a letter stateing they purchased the debt in a time i was XXXX  and the address is not where i lived. these three violation of consumer law must be addressed between them and the credit borreaus as they are illegally reporting on my credit when they have no legal claim and are causing me hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WSFS FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2023, XXXX XXXX went to the XXXX branch  of Wilmington Savings Fund Society ( WSFS ) and worked with XXXX XXXX XXXX to perform an international bank wire transfer in the amount of {$2700.00} to XXXX XXXX account at XXXX ( XXXX XXXX Code XXXX ) in XXXX. Beneficiary Partys XXXX No. is XXXX. To date, funds have not been received. WSFS has yet to provide a trace number, and XXXX bank in XXXX said they are unable to assist with the trace until they have been provided the trace number and a transfer confirmation number. Supposedly, a second bank wire transfer was made by XXXX XXXX with funds from an internal account at WSFS, and those funds also were never received by XXXX XXXX. XXXX XXXX confirmed nothing has changed with his bank account during this entire period. 

Calls have been made to XXXX XXXX, at WSFS, on numerous occasions, beginning on XX/XX/2023, and on at least ten other occasions, with no trace number yet available. On XX/XX/XXXX, I called XXXX XXXX at ( XXXX ), was transferred to the XXXX office of WSFS, then called her boss, XXXX XXXX, at XXXX, left them both messages to contact me, and have not heard from either XXXX of them. However, a XXXX from WSFS called me on XX/XX/XXXX and said she guaranteed a trace number would be provided to me today. XXXX made a similar statement on Fri, XX/XX/XXXX, during our conversation, and I never heard back from her on Fri, XX/XX/XXXX or Mon, XX/XX/XXXX. No response, as of yet as of XXXX XXXX  XXXX. 

At this point, all we want is for the {$2700.00} to be put back into XXXX XXXX account at WSFS XXXX branch. WSFS can figure out their issue of the bank wire transfers not being completed, if they so choose. Therefore, I understand a resolution is required within 60 days of submission of this complaint, so I expect the {$2700.00} be put back into XXXX XXXX account or we will have to other recourse but to seek legal counsel. 

Sincerely, XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft.My ex husband XXXX XXXX opened unauthorized accounts in my name without my consent. I have tried contacting these companies several times to inform them that these accounts are fraudulent but they reported it anyway after letters and phone calls they ignored or never responded back.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I made a purchase on XXXX on XXXX XXXX using my Black Card mastercard for {$2200.00} Items were counterfeit and I filed a dispute on my black card so I wont be responsible to pay the amount on my statement. I sent third-party confirmation that items were fake. Credit card company took months to get back to XXXX and closed the case. They advised to return the product back to the seller and send them a confirmation of the return in XXXX and assured me that the case will be reponed and case will be ruled in my favor since i am following the instructions. The merchandise was shipped back on XX/XX/XXXX to the seller and seller received the merchandise back on XX/XX/XXXX ( international ). I sent all the paperwork to the credit card and keep calling to see if it was received. After numerous follow ups I was assured on XX/XX/24 by XXXX ( the credit card rep ) that the case has been reopened and received my paperwork and case is under review. Please note, that the calls are recorded. I kept requesting the call back from a supervisor 4 times ( which was promised within 24-48 hours ) and only received it on XXXX. The supervisor advised that they nothing can be done at this point and case cant be reopen due to a time frame past and i got misinformed by the credit card representatives.

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