vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I received a Vanilla Gift Card in XX/XX/XXXX in the amount of {$300.00}. I did not attempt to use the card until XX/XX/XXXX. When I logged in to check the balance, I noticed that there were various fraudulent charges that took place in other cities away from where I live. I called Vanilla to dispute the charges and they told me to submit a packet with information for the dispute, which I did on XX/XX/XXXX. Vanilla told me it would take 90 days, or less, to complete the investigation and reissue a new card. 
I called after the 90 days had concluded, on XX/XX/XXXX, and Vanilla stated that they had not even finished " investigating. '' I have sent several emails to Vanilla and there is no response. And you can not even speak to the dispute team on the telephone to know what the status is. I do know that this particular gift card is serviced through XXXX XXXX, but I do not know what their exact role is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, U S DEPT OF ED/XXXX Account # XXXX, U S DEPT OF ED/XXXX  Account # XXXX, U S DEPT OF EDXXXX Account # XXXX, U S DEPT OF ED/XXXX Account # XXXX, U S DEPT OF ED/XXXX Account # XXXX, U S DEPT OF EDXXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights.

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 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MD

Complaint narrative:
I got a notice in the mail saying that I owe XXXX {$430.00} and I do not have a XXXX account that I owe money on or have never bought anything through XXXX to credit it is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
An account belonging to XXXX XXXX had a cell phone account with XXXX. When the account was disconnected with an outstanding balance the account was reported as a collection on my personal credit report. XXXX acknowledged the account was a corporate account and should not have been reported on my personal credit report and told me I needed to contact the collection agency they hired, AMSHER COLLECTION SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX ( XXXX ) XXXX. When I called Amsher Collection Services I was told by a rep there that my file was being handled by XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I was told by the rep that the law office often negatively reports corporate debt on individuals reports to prompt them to make payment. I demanded the erroneous reporting be deleted from my credit files and was told since the business had made payment that what was reported on my credit report would be removed. After two weeks it is still being reported. Through my online research I was able to confirm what I was told by the repXXXX XXXX XXXX XXXX XXXX XXXXXXXX has lost several law suits related to unfair/unlawful collection practices, at least one of which was a class action law suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Crediting Act XXXX  Account Name : XXXX Account # XXXX, has violated my rights 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
sent letters out on XX/XX/2022 and XX/XX/2022 to the three bureaus XXXX XXXX, XXXX  and equifax. still no response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX 1. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

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

5. account already paid creditor agreed to remove XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



XXXX 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

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

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

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





Equifax 1. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

2. Validate Account XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: LA

Complaint narrative:
sent letters out on XX/XX/2022 and XX/XX/2022 to the three bureaus XXXX XXXX, experian and XXXX. still no response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


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

2. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

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

5. account already paid creditor agreed to remove XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



Experian 1. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

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

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

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





XXXX 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

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 2022-06-03 00:00:00
Product: Credit card or 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: OH

Complaint narrative:
Purchased XXXX netspend prepaid cards yesterday, yesterday on XX/XX/2022. Called XXXX Netspend customer service, last night to activate the cards and they were activated. Today I receive an email from netspend.com customer service that my cards ending in XXXX, XXXX, XXXX, XXXX, and XXXX are unable to be fully activated and are closed now. in store locally. On each card I deposited a sum of {$450.00} and there was a card activation fee of {$2.00} for each one as well. This is well over {$2000.00} that I spent on Netspend.com cards. I went home yesterday and went through the process of activating these cards and XXXX of the XXXX I was able to activate successfully. Netspend only allows XXXX active netspend cards per social security number and so when I attempted to activate the fifth card, I was prompted to call customer service to complete the activation of the last card. After waiting on hold for a customer service representative for over an hour, the representative attempted to activate my XXXX card, however she was unable to. She informed me that my account was locked and I'd have to send in the necessary documentation to XXXX in order to unlock my account. I sent in a picture of my active drivers license, social security card, and a utility bill as requested and awaited the reinstatement of my account. This afternoon, I received an email from Netspend corporation 's email that my accounts can not be activated and will be closed. I am unable to access the funds within my accounts totaling ( {$2200.00} ). And rather will have to wait almost two weeks for a check in the mail for my funds. This is unnacceptable as it is the begininning of the month, I have bills to pay, a start-up business that I am establishing and family to support. Not to mention, I never at any time violated Netspend 's terms of service for their cards and accounts! This is robbery to take over {$2000.00} from a customer for over two weeks and they have not even violated the terms of use for the services advertised. I am requesting immediate access to the funds within my cards so that I can withdraw them and cease from using Netspend.com services for the forseeable future.

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 2022-06-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 2022-06-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XXXX XX/XX/XXXX I paid online de full amount of {$150.00}. I received the online payment confirmation thanking me for the payment. With this transaction, I assumed that I had fulfilled my payment obligations, so I was quite because I had made the full payment, like it showed in the statement and in the online account. In fact I fulfilled my payment obligations. Curiously, I go to the credit card page online on XX/XX/XXXX of the present and I see that I had {$34.00} dollars charged for late payment, and that was showing on XX/XX/XXXX, two days after I had paid the amount of {$150.00} fully, they charged me late fees. Without thinking about it, I paid those XXXX dollars. Immediately I made a phone call to the agency asking them why I had these charges ; they apologized to me but didn't give an answer. It was on XXXX XX/XX/XXXX. After I called them again, but unsuccessful my attempt that when I paid, I paid the full amount according to the statement and I had not made any other purchase, nor did it appear on the statement, nor on the website, no other charge. Also The agency reported a missing payment to the Credit bureau on XXXX, but I had made the payment on XX/XX/XXXX. Why did they report that owed amount of {$34.00} on XXXX XX/XX/XXXX if I had already paid the total amount and it was after my phone call claiming them there was an error? Now I realize that those {$34.00} that they have been charging me are incorrect and even more so because they have affected my credit, that so much effort has cost to build, for no reason. That is why I humbly ask both agencies to investigate this error. I have the statement for XXXX and the payment confirmation for XX/XX/XXXX, as evidence. Also I don't have any available credit in my credit account. It is {$0.00} and I don't know why. I feel very mistreated as a consumer. Thank you very much in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged student loan account from USDOEXXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged account. They failed to provide me validation, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with USDOE/XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.

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 2022-06-03 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: NY

Complaint narrative:
In accordance with the Fair Crediting Act XXXX  Account Name : XXXX Account # XXXX, has violated my rights 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 an 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 explanation
Consumer complaint received 2022-06-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 an 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 2022-06-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Crediting Act XXXX Account Name : XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  acct # XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX lender XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX transunion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX transunion 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 an 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 2022-06-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  acct # XXXX, XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX equifax XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
To whom t may concern, XXXX XXXX XXXX  Account # XXXX, has not yet deleted this account from my credit report as promised. Please see attachment. 

Please investigate and delete. Thanks in advance! 

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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
To whom t may concern, XXXX XXXX XXXX Account # XXXX, has not yet deleted this account from my credit report as promised. Please see attachment. 

Please investigate and delete. Thanks in advance! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation