vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 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: FL

Complaint narrative:
XXXX XXXX XXXX This collection company XXXX XXXX XXXX is fraudulently & illegally reporting on my credit report. 

I am allowed under the HIPAA law ( Health Insurance Portability & Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges.

- Please provide me a copy of my signature with the provider of service to release my medical information to you.

-Immediately cease any credit bureau reporting until debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPPAA complaint will be a violation of the FDCPA because you will be deceiving me after my written request. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from the collection agent.

PLEASE DELETE THIS ACCOUNT 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 explanation
Consumer complaint received 2024-04-13 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: CITIBANK, N.A.
State: UT

Complaint narrative:
Please download my letter, it shows screenshots of all recent inaccuracies please correct the matters with the credit reporting agencies 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 explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C. 16815-2 ( 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 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 2024-04-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I purchased XXXX XXXX cards, {$50.00} each, late XXXX or early XXXX of 2023 as holiday gifts for my son and daughter in law in XXXX Va. I live in New Jersey. 

My son and daughter in law informed me that when they tried to use the cards, there was no money on it. They were drained. They called the number on the card and were informed that the cards were used at a XXXX store in California. They continued to call and ask for the cards to be restored but got nowhere. The last XXXX numbers on the cards were XXXX and XXXX. 

I wrote on several occasions to the CEO of XXXX I'm reasonably sure he never got the letters. The answers I got were that XXXX is not responsible. I have to talk to the bank. I contend that XXXX  is the enabler in these thefts as their name is on the front of the card. No one would buy these cards from some unknown bank. They buy because it says XXXX  or XXXX or XXXX. i got nowhere. I have also written to XXXX XXXX and my Representative XXXX XXXX concerning this. 

I did call the service provider Incomm and after several hours of waiting and talking I got someone who said they would send me a new card. And they did but not only did it have no money on it the card said it was non reloadable so it is useless. Although it is good The last XXXX of the card is XXXX. All cards were issued by XXXX XXXX XXXX. The cards are distributed and serviced by Incomm Financial Services Inc. 

Also, I emailed the city attorney of XXXX XXXX who has a lawsuit against Incomm and Vanilla because they do not have the proper security on these cards to prevent them from being drained.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
XXXX XXXX has XXXX disputes that.have completely aged out with plenty of proof services were not received. Several individual bank branches that I'm friends with have tried to fix this. I call disputes they ay " we know who you are do not call.again '' and have called them maybe XXXX  times in several years of being a customer. This feels very personal but the facts time is beyond up and they have more than enough documentation to refund my dispute. They are not following best practices or even the laws that handle disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Debt was removed and now has been re added to collections. FCRA violation as I've never received the five-day letter required by the FCRA to give you notice of the reinsertion, please re-delete the disputed item.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: NH

Complaint narrative:
recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX paymenton an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and past due balance of {$280.00} from XXXX on XX/XX/XXXX ) Im now requesting you investigate and provide verflable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. As it is my affecting credit and my moms credit as well.

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 2024-04-13 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: NH

Complaint narrative:
recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX paymenton an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and past due balance of {$280.00} from equifax on XX/XX/XXXX ) Im now requesting you investigate and provide verflable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. As it is my affecting credit and my moms credit as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX was closed on XXXX. This account was already removed from my XXXX report! It is still showing on my transunion and XXXX report and affecting my credit.

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 2024-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
This is a debt collector that purchased a debt before I could pay it with the actual company and argued with me that I owe a amount I do not owe to them @ XXXX and something when it should be XXXX owed to the original collection I have asked them to stop calling they call all day long from XXXX to XXXX Sunday to Sunday I block the number it calls right back with a new number I have all of the call logs from said company They will not provide who they are when you answer the phone they repeated to ask if I am the person they are looking for with out disclosure of who they are I had one guy fight with me and hang up on me as well Associated credit is the name of the debt collector This started back in XXXX of 2023 to present I had just received a call from them as of 30 minutes prior to contacting and reporting this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX After reviewing my credit profile, this account is tremendously hurting my score. XXXX XXXX XXXX is still showing open when it has been paid and closed in entirety. They are also reporting an inaccurate balance and payment history amongst all XXXX bureaus which is in clear violation of federal law. They are violating my consumer rights by reporting false information to my credit report. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete This account needs to be deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I was not given a clear explanation of the terms of my forbearance loan. The only information I was provided with was that any missed payments would be added to my mortgage after the forbearance period ended and that my monthly payments would be re-evaluated. I was not informed that this would negatively affect my credit score, or that it was an additional loan. I also feel that the loan was oversold to me as if it was doing me a favor.

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 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX after I received a deposit from XXXX betting app. Chime Bank closed my account an hour after I received my deposit. I would like to receive my {$700.00} from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX was closed on XXXX. This account was already removed from my XXXX report! It is still showing on my XXXX and Equifax report and affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have mailed Experian a Dispute letter dated the XX/XX/XXXX explaining the inaccuracies in my consumer report ( a copy is uploaded ). Experian sent an email saying that they will not initiate disputes based on suspicious correspondence ( see email that is uploaded ). My question is how can they see my dispute letter as suspicious but they do not have any investigation reports detailing all of the inaccuracies in my consumer report that I never gave permissible purpose for in the first place? 

1 ) The Fair Credit Reporting Act says that consumer reporting agencies such as Experian have a duty to adopt reasonable procedures for meeting the needs for consumer credit in a manner which it is fair and equitable to me as a consumer. 

2 ) The Fair Credit Reporting Act also state that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates. 

Experian needs to exercise their duties to remove all inaccuracies which has been ruining my reputation.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
I have a secured XXXX with Capitol One. 

Several times I have ask when I will get a secured deposit back. 

Im told they dont know. 

Its been over a year now and I need your help getting it! 

I have a very good history of paying Capital One. 

Im also not seeing any increase after I pay Capitol One in my credit score. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: FL

Complaint narrative:
I was reviewing my report and noticed that I have fraudulent accounts reporting to my credit report. XXXX XXXX XXXX is tremendously hurting my ability to obtain credit and needs to be deleted

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 2024-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
They are charging me for my XXXX XXXX  direct loans while I still have 1 semester left before I graduate. They did not even give me a grace period of 6 months on them which was also agreed upon in the contract with financial aid. I should not be getting charged on my graduate loans at all at this time. They took money to pay my graduate loans through direct deposit of my bank account which I did not authorize. They illegally took a total of XXXX in 2 payments under the alias of Dept of Education on XX/XX/XXXX and XX/XX/XXXX to pay the graduate loans without my consent as I didn't even have autopay setup with them. The woman I talked to told me they won't refund me the money. I am now in a bad financial situation and still have 1 semester of XXXX  left to graduate. They have another payment of XXXX scheduled on XX/XX/XXXX which I will not be able to afford. They never even contacted me with any correspondence regarding the status of the loans or payments. How can I finish my degree and graduate if they are fraudulently collecting money from my bank account against my consent and charging me for graduate loans I shouldn't be getting charged on at this time. 
I am concerned regarding them handling my loans with their fraudulent practices and poor communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft! I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I was approved for an Ikea credit card through Comenity Bank. When I called to activate it, I was required to speak to a live person who never identified herself. She activated the card, and then went into a sales promotion for XXXX XXXXXXXX, providing reasons I needed it, the cost, and her final statement was " now, let 's get you enrolled now so you are all set. '' I replied NO, but she would not accept my answer. She then went back into her hard sales pitch, talking very, very fast, not pausing for questions, and then slid in there again " now let 's get you started with this now and you can have a great day. '' I again said NO, and then told her how offended I was by her hard pitch and that it was misleading to new cardholders. She made me feel like it was an obligation. I 100 % disagree with that tactic and if they are not asking all cardholders a YES or NO question point blank, in clear terms, I find this deceptive. My parents would have fallen for this tactic and the way she pushed it made it makes me wonder if she is incentivized to do so. She never let me finish speaking, as she began yelling at me, telling me she was not required to read me a rebuttal by law which I asked her to send to me. She would not provide her name or escalate to anyone higher. I made this call on XXXX at XXXX XXXX. The activation # is XXXX. I find this practice deceptive and costly to card holders when they operate in this fasion. Why not mail out the promotion? I received the card over a month before I ever decided to even activate it. What about this account benefit had to be shared by a fast talking, card activator who was trying for a yes and to get me off the phone?

Company response to consumer: Closed with explanation