vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Code ( MO ) 281 SW 715.719. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 
( Accounts ) XXXX XXXX, PARAMOUNT RECOVERY XXXX XXXX XXXX needs to be removed from my credit report " I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) SW715, 719,1 presume that no proof the alley + debt, nor therefore any such debt exists this company is sharing my information back and farward with another company and it is illegal to do so without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed some incomplete and inaccurate information on my credit report.

By federal law, under Section 609 ( a ) ( 1 ) ( A ), they are required to verify any accounts you post on a credit report by physically verifying the original signed contract. A fraudulent account could be faxed, mailed, or emailed in by anyone paying for their reporting services.

Please provide me with verifiable proof ( i.e., an original consumer contract with my signature ) for the following account or they shall be removed immediately : XXXX In addition, I found an inquiry that was being reported that I did not authorize. Under 15 U.S. Code 1681e ( b ) accuracy of a report, whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

I am requesting that this inquiry is immediately removed. I have attached a screenshot for your convenience : XXXX XXXX XX/XX/year>

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 2024-05-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Inquiry on my credit report was not mine.. I didnt apply or did any transaction with Wells Fargo ..

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I 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, who's studying XXXX XXXX, helped 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 if you could assist in removing the following from my credit report. these are the accounts 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 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 2024-05-03 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: AL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Im begging you please remove this to the 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 2024-05-03 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:
I have communicated with TransUnion prior to date of : XX/XX/2024 in which, I have challenge the accuracy of 'two accounts ' that have been on my TransUnion Credit report ( given to me by TransUnion ). 

XXXX has Investigated the same incidents below and have 'REMOVED AND DELETED ' the Inaccurate information ( see attached ) these two accounts are : 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 ) ''I DO NOT HAVE A BINDING AGREEMENT NOR A CONTRACT WITH THE TWO ABOVE ACCOUNTS ''. 

On XX/XX/2024 TransUnion has updated those two accounts ( please see Uploaded documents ), thus Proving that TransUnion has been REPORTING INACCURATE information prior to date : XX/XX/2024 in which has been Violating my rights under the following : My rights have been violated : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer.

15 U.S.C. 1692c ( b ). In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

TransUnion is reporting Inaccurate information pertaining to my 'Last Name associated with my Social Security Number '

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 2024-05-03 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:
I have communicated with TransUnion prior to date of : XX/XX/year> in which, I have challenge the accuracy of 'two accounts ' that have been on my TransUnion Credit report ( given to me by TransUnion ). 

XXXX has Investigated the same incidents below and have 'REMOVED AND DELETED ' the Inaccurate information ( see attached ) these two accounts are : 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  ) ''I DO NOT HAVE A BINDING AGREEMENT NOR A CONTRACT WITH THE TWO ABOVE ACCOUNTS ''. 

On XX/XX/year> TransUnion has updated those two accounts ( please see Uploaded documents ), thus Proving that TransUnion has been REPORTING INACCURATE information prior to date : XX/XX/year> in which has been Violating my rights under the following : My rights have been violated : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer.

15 U.S.C. 1692c ( b ). In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

TransUnion is reporting Inaccurate information pertaining to my 'Last Name associated with my Social Security Number '

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 2024-05-03 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: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
I noticed XXXX derogatory marks on my credit in the amount of {$510.00} I found out they were from XXXX XXXX to whom I had to take my XXXX  We have always had medical coverage so I automatically knew something was wrong. I called my XXXX XXXX  and they started a complaint. They told me I need to call the debt recovery company and give them permission to speak to XXXX who is my medical provider company who sent me the letter is debt recovery solutions they are trying to give me a discounted offer the original bills are both for {$510.00} for a total due of {$1000.00} They told me I can settle this by XXXX XXXX for {$610.00} I do not owe this. I have always had medical and so have my XXXX. My medical provider said that this is very common because it was under my XXXX. They are trying to be sneaky and collect this debt, I was told by my medical provider to file a fraud claim through you guys account number for this situation is XXXX, The service date was XX/XX/XXXX XXXX XXXX XXXXnd again on XX/XX/XXXX of XXXX which is also wrong. My XXXX was only seen once for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. 

Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-03 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX i received a text from Citibank notifying me a fraudulent activity. I canceled the card. A new one was issued and submitted a dispute. Because I was honest and said the card was in my possession, which it was theyve determined that I made these charges. The charges were not made near my home and I have not used the credit cards since XX/XX/2023. Because I was honest and said I had the card in my possession. Theyve determined I made these charges. 

I will pay the charges because I dont want them reported to our credit reporting agency, but Citibank is wrong. I did not make the charges and theyre the ones that notified me of them. Please give me back my money.

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 2024-05-03 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Unauthorized personal information has been used for personal credit Please remove inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I 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, who's studying XXXX XXXX, helped 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 if you could assist in removing the following from my credit report. these are the accounts 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 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 explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
I purchased my XXXX XXXX Escape on XX/XX/XXXX and purchased additional protection and warranty plans from XXXX XXXX dealership in XXXX. I was told XXXX  times that these protection and warranty plans would " cover everything '' by the salesman, and the salesman kept pushing me to purchase these plans even thought I was unsure of the whole process. The salesman kept assuring me that the protection and warranty plans would cover everything and limit my out of pocket expenses, so I agreed to purchase the plans. So far these plans didn't cover anything or provide any protection, so in XXXX  I decided to proceed with canceling these protection and warranty plans. 

On XX/XX/XXXX I reached out to XXXX XXXX dealership to cancel these plans and was told I had to to reach out directly to the warranty service providers, as XXXX bad been bought out and could no longer cancel warranty plans. I called Ford Warranty to cancel XXXX  of my warranty plans on XX/XX/XXXX and was told that, according to their systems, both plans had expired and couldn't be canceled. 

One of my warranty plans, " XXXX XXXX XXXX '', has an expiration date of XX/XX/XXXX, as stated in the contract, so I should be able to cancel this plan. I called XXXX XXXX on XX/XX/XXXX and was told that the " XXXX XXXX XXXX '', despite having an expiration date of XX/XX/XXXX, was marked as " expired '' in their system and can not be canceled. 

My XXXX  warranty plan, " XXXX XXXX XXXX XXXX XXXX '', was marked for plan coverage " Used ''. Because my car is a used car, and this warranty was marked for a " Used '' car, the XXXX  date of the warranty should be XX/XX/XXXX ( purchase date ) with an expiration date of XX/XX/XXXX ( XXXX XXXX ) ; however, Ford Warranty set the XXXX  date for a new care, with a warranty state date of XX/XX/XXXX ( XXXX  years before I purchased my used car ) and set the expiration date for XX/XX/XXXX. 

I called Ford Warranty on XX/XX/XXXX and emailed copies of my warranties and purchase summary, explaining that my car was a used car when I purchased it, and thus both warranties should be calculated with an expiration date of XX/XX/XXXX, and thus I should be able to cancel both warranties and receive a refund for the unused amounts. I was told that both warranties are marked as expired in their system, even the warranty with an expiration date of XX/XX/XXXX, and they wouldn't cancel my warranties or provide a refund for unused amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: Incomm Holdings Inc.
State: CA

Complaint narrative:
XX/XX/XXXX : I received a Vanilla Gift Card for {$100.00} from co-workers as a retirement gift. The Gift Card included receipts from the store purchased. 

XX/XX/XXXX : I tried to use the activated Vanilla Gift Card to make a purchase however when checking the balance I was told to contact Vanilla 's Customer Service. I did so and was told the Vanilla Gift Card was " compromised '' and that I would receive a replacement Vanilla Gift Card.

I received the replacement Vanilla Gift Card along with the attached letter. The letter references that the replacement Vanilla Git Card " ends in XXXX '' along with my mailing address ( so the card must be assoiciated with me ) Once I received the replacement Vanilla Gift Card I discarded the original " compromised '' Vanilla Gift Card. At no time during my conversation with Vanilla Gift Card customer service was I instructed to retain the original Vanilla Gift Card and receipts. 

XX/XX/XXXX : I attempted to use the replacement Vanilla Gift Card for an XXXX purchase. Since the purchase went through and the entire {$100.00} was used for the purchase, I discarded the replacement Vanilla Gift Card so I would not try to use it again in error. XXXX let me know the next day there was a problem with the replacement Vanilla Gift Card and used my personal credit card instead to complete the purchase. 

Unfortunately... the garbage pickup was that morning so I was unable to retrieve the card and the full card number. Since Vanilla Gift Card knows which card was sent to me and I still have a {$100.00} balance I believe I am eligible for a replacement card. 

I contacted Vanilla Gift customer service again and asked for a replacement card so I would not lose the {$100.00} amount. I was unable to have them understand the original receipts were discarded and that the replacement Vanilla Gift Card was sent to me by Vanilla Gift Card with card number and bar-coding. 

I understand that Vanilla Gift Cards are " anonymous '', however in this case Vanilla Gift Card sent me the replacement card along with a letter that includes both my name/address and the last 4 digits of the replacement Vanilla Gift Card. Surely Vanilla Gift Card must know which card was sent to me as a replacement. 

XXXX - XX/XX/XXXX : I contacted the XXXX XXXX XXXX XXXX XXXX  and worked with XXXX XXXX. She contacted the company on my behalf. XXXX XXXX from Incomm ( parent company of Vanilla Gift Cards ) told her that no replacement would be possible without the front/back of the replacement card. Since I can not provide the card they closed the case and Incomm refuses to accept they know which card they sent me... I am reaching out to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to file a complaint regarding a refund issue concerning my Chase credit card account. On XX/XX/2023, I used my Chase credit card to purchase an XXXX airline ticket. However, later that month, I closed the credit card account. 

In XX/XX/2023, I had to cancel my XXXX airline ticket, and the refund was processed back to the same closed Chase credit card. The refund, totaling {$1500.00}, was processed by XXXX on XX/XX/2023. 

Despite the refund being processed by XXXX XXXX, I have yet to receive the refund from Chase. I have been in contact with both the airline and Chase bank, but I seem to be going in circles without any resolution. 

After spending considerable time discussing the matter with Chase, they acknowledged that instead of a standard closure, my account appears to have been expunged. This has caused significant confusion and inconvenience to me. 

The main issue stems from the refund processed by XXXX XXXX on XX/XX/2023. Despite my efforts to resolve the matter, I have not received the refund or any clarification regarding its status from Chase. 

XXXX XXXX has confirmed that the refund was successfully processed on their end.

Company response to consumer: Closed with explanation