vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 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: CA

Complaint narrative:
I received a Visa prepaid gift card administered by InComm Financial Services and issued by XXXX, XXXX. this XXXX XXXX. The balance of the card was {$100.00} when I received it. I tried five times to make a purchase in the amount of {$48.00} from an online retailer, but the transaction was declined every time even though I had sufficient funds on the gift card and the retailer is completely legitimate. I then contacted InComm 's customer service number printed on the back of my particular prepaid card ( XXXX ) and was connected to an agent who sounded like he was from an XXXX country. I gave said agent my gift card number and then the XXXX " serial number '' on the card 's back, and he told me that the information I provided to verify the card account was invalid and that he would place me on a one to two-minute hold. About 30 seconds later, the call was dropped by the agent ( not by me ). InComm is not even doing the bare minimum to help the recipients of their prepaid debit cards actually spend the money loaded onto them ; they definitely were of no help whatsoever in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: MN

Complaint narrative:
My student loans are split in many different amounts and I never took out that many loans. I see it on my credit report and each one reports me as missing a payment so it counts as multiple missed payments per month. On top of that I have asked for financial hardships and loan forgiveness. I believe I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: FC HoldCo LLC
State: TX

Complaint narrative:
I have inquiries on my report but i havent applied for anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
ACCOUNT NOT MINE XXXX DIDNT DELETE ALSO ADDRESS OF XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} ALSO ON TRANSUNION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-25 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX  Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX pulled my credit over 30 times without my consent it is hurting my credit score significantly please assitit with removing these hard inquires. 
Fair Credit Reporting Act ( FCRA )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I looked at my credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the FAIR CREDIT REPORTING ACT, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts [ XXXX XXXX XXXX - Account XXXX XXXX - XXXX [ XXXX XXXX XXXX XXXX - Account XXXX XXXX ... ], are not complete and accurate, and also showing up on my report as negative items and I would like for them to be deleted and removed from my credit report immediately. According to 15 USC 1681s - 2, 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. According to 15 USC 1681e ( b ), the open date, /date last active is not accurate. - DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681s - 15 USC 1681e ( b )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom ever this may concern, XXXX XXXX XXXX XXXX XXXX XXXX. My wallet was taken and also my XXXX XXXX handbag worth 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 The maxed out all of my credit cards and also stole all of my credentials and began signing up for accounts damaging my credit score costing me around XXXX $ in credit repairs just too, stop from being homeless due too negligence on my credit report. This has been the worst time of my life, a complete nightmare for my XXXX XXXX daughter too have too look at me and see my face and body this way. The company has not done anything and they have not processed me any sort of refund. Ive been treated unfair and feel as if Ive been discriminated against. I would really like the XXXX XXXX XXXX XXXX owes me. Theres so many dates and documents that I will attache them below. Im just lost for words because how can they let someone do this too me then try too hold me accountable I really hope someone hear my cry for help this has been so rough being a victim of identity theft and nothing being done about it as well as someone stealing my credit card and maxing them out. I would really like some sort of compensation and the cfpb too investigate the accounts that XXXX XXXX XXXX  has in its data base of mine. I would also like too ask that the cfpb ask for any documents that Ive sent XXXX XXXX XXXX. This has been the worst situation Ive ever been in, in my life. Leaving me and my daughter almost homeless from this situation. I really hope someone can investigate this and reach back out too me as soon as possible thank you so much I appreciate all of your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692-1692p. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 



With that, my demands are as follows : You must promptly notify and credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records. 

Monetary compensation in the amount of {$1000.00}. 



While I do not desire or anticipate that your negligence may force me to pursue further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look unreasonably be exposed to those routes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692-1692p.

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : You must promptly notify and credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records.

Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to pursue further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look unreasonably be exposed to those routes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: MS

Complaint narrative:
This letter serves as formal notice regarding the above-referenced account listed on my XXXX credit report. I dispute the validity of this alleged debt and request that your agency cease all communication with me regarding this matter. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to validate this debt before further collection activity. 

Please provide the following : Evidence showing that I am responsible for this debt, including the signed agreement or contract with XXXX XXXX XXXX 
The itemized breakdown of the debt, including how the {$410.00} balance was calculated. 
Proof that your agency has the legal right to collect on this debt. 
Until the above information is provided, I require that you immediately cease all attempts to collect this debt. Failure to comply with this request will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office in my state. 

Additionally, I request written confirmation that any negative information regarding this alleged debt will be removed from all credit reporting agencies unless the debt is verified in compliance with federal laws. 

Thank you for your prompt attention to this matter. I expect a response within 30 days. 

Sincerely, 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 2024-12-25 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: MS

Complaint narrative:
This letter serves as formal notice regarding the above-referenced account listed on my XXXX credit report. I dispute the validity of this alleged debt and request that your agency cease all communication with me regarding this matter. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to validate this debt before further collection activity. 

Please provide the following : Evidence showing that I am responsible for this debt, including the signed agreement or contract with XXXX XXXX XXXX 
The itemized breakdown of the debt, including how the {$410.00} balance was calculated. 
Proof that your agency has the legal right to collect on this debt. 
Until the above information is provided, I require that you immediately cease all attempts to collect this debt. Failure to comply with this request will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office in my state. 

Additionally, I request written confirmation that any negative information regarding this alleged debt will be removed from all credit reporting agencies unless the debt is verified in compliance with federal laws. 

Thank you for your prompt attention to this matter. I expect a response within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: AL

Complaint narrative:
Robinhood won't let me transfer my funds from the Robinhood account, to my bank. They won't send an in app notification, neither an email citing 'security issues '. They only accept phone text verification, but my phone registered with my RH account isn't used anymore, and I don't currently have a phone number. I've provided them with my ID to show them I'm the lawful owner of the account, but they keep moving me around places never solving anything. 

I have already reported them to the XXXX, and they corrected the issue, but a few days later they returned back to the same thing. I'm now filing a complaint here in hopes they change their unlawful behaviour before I move onto the next step which is a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/year> I was charged {$34.00} in my US Bank checking account as an overdraft recovery fee. I dont know why I was charged as I havent overdrafted, and I have no other depository accounts at the bank. I called US Bank and XXXX different representatives told me they dont know why I was charged this fee but they refused to refund the fee. They told me I have to go to a bank branch, which is a huge inconvenience. If they cant tell me why I was charged the fee then I should have never been charged the fee in the first place. Failure to provide the information upon request is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
RECIEVED A LETTER IN THE MAIL ABOUT THE DEBT. 
XXXX XXXX XXXXXXXX. 
THEY SAY I OWE {$1900.00} I DONT OWE THEM THAT NOR THE ORIGINAL CREDITOR THAT AMOUNT. 

THE LOAN AMOUNT WAS {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
XX/XX/year>. - to present XXXX of XXXX. I havent have access to my account with no help. It says they will contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau Team, I hope this email finds you well, and I want to begin by expressing my appreciation for the invaluable work your organization does in protecting consumers like me. Its reassuring to know that there is a dedicated team ensuring fairness and accuracy in the financial industry. 

I am reaching out regarding an issue I have encountered with my TransUnion credit report. I recently discovered that my date of birth is inaccurately listed as XXXX, making me appear XXXX XXXX XXXX, when in fact, I was born in XXXX and am currently XXXX XXXX XXXX. 

While I understand that TransUnion handles large amounts of data and occasional errors can occur, I have been unsuccessful in my attempts to resolve this issue directly with them. Despite providing documentation that verifies my correct date of birth, they informed me that they are unable to make the necessary correction.

This error, though it may seem minor, has the potential to create significant challenges for me, including difficulties with identity verification, financial applications, and maintaining an accurate credit profile. I value the integrity of my credit report and wish to address this matter promptly. 

I kindly request your assistance in facilitating a resolution with TransUnion. I have attached copies of my government-issued ID and other supporting documents to verify my correct date of birth for your review. 

I deeply respect the role TransUnion plays in providing reliable credit information, and my intention is simply to work collaboratively to correct this discrepancy. I am confident that, with your guidance, this issue can be resolved efficiently. 

Thank you again for the vital work you do to advocate for consumers. I look forward to hearing from you and am happy to provide any additional information if needed. 

Warm regards, XXXX XXXX [ XXXX ] XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
I would like to see full and complete reimbursement for all of the hardship that I had to face with having to move and then being denied for housing and I have XXXX children and a wife and I am a XXXX veteran. I feel that a complete reimbursement for the denial for a vehicle and not being able to get to work to support my family. And a vehicle in Georgia cost as well as an insurance is a must as well as emissions. Been denied put a stronghold on me and my family having to get rides and find unsuitable vehicles that were temporary and did not help it only cause more issues financially. With my estimates over the years due to this issue cost me over {$500000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
In XXXX I received a late payment. Due to the history of me making payments Ive never been late and would like to initiate a Goodwill Request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> LVNV FUNDING C/O RESURGENT CAPITAL SERVICE XXXX XXXX XXXX XXXX XXXXXXXX Re : Validation of Debt for Account # [ Account Number ] XXXX Dear [ LVNV FUNDING or To Whom It May Concern ], I am writing in response to your [ letter/phone call ] in which you allege that I owe a debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt.

Specifically, I request the following : 1. Verification that you are legally authorized to collect this debt : Provide the original assignment contract or proof of sale/transfer of the debt. This document should include the original creditors wet signature.

2. Details about the debt : A complete breakdown of the original amount, any added fees, interest, or other charges.

A copy of the original agreement between me and the original creditor. 3. Evidence of your authority to collect : Copies of any licen
ses or permits allowing your company to collect debts in my state.

Please note that under 15 U.S.C. 1692g, you are required to cease collection activities until you provide proper validation of this debt. Any failure to provide the requested documentation within 30 days will be interpreted as your inability to validate the debt, and I will consider this matter closed. 

I look forward to your prompt response. Please send all correspondence to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation