vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: NC

Complaint narrative:
We received a Vanilla Card for a birthday gift in XX/XX/XXXX XXXX. The value of the card was {$50.00}. This card balance was {$0.00} when I used for the first time on XX/XX/XXXX. I emailed them on XX/XX/XXXX copy of the front and back of the gift card, legible photo of the receipt, as their online website details to contact them when you have an issue with a card with no funds. I received an email stating the following : Your documents have been received. Please allow up to 24 business hours for documents to be processed to your ticket. In most cases, you will hear back from us within 3-5 business days after the required documents are received. However, it can take up to 30 days. If you need updates on your ticket, please reach out to the XXXX number on your card or visit our website. This inbox is not monitored for inquires. 

I never received any type of call back, no correspondence, nothing. However, I still waited to hear back in case, there was any type of delay due to the holidays. I called their XXXX number on XX/XX/XXXX and I was told that my case was escalated and they issued me a case number. I told them my scenario of trying to use a card which had a {$0.00} balance. It was opened for the first time in the restaurant. I waited and waited to hear from a supervisor and no one called me. 
I called again on XX/XX/XXXX. Again, I spoke to a supervisor named XXXX and complained again for the same thing. I told them I had emailed them everything they needed and yet I still have not received my replacement card in the mail like I was promised two months back. I was told to wait to hear back. 
I called again on XX/XX/XXXX and spoke to XXXX. She stated she will accelerate my case and will send a card after talking to investigation team. I was promised the same with this phone call as with all the others and I was extremely upset. 
Again, after couple months later, I decided to try again to see what the hold up was since I never received any correspondence nor any phone calls to receive any type of resolution to my issue. I called again on XX/XX/XXXX. I was issued another complain log #. I was asked for my date of birth and my address again. They should have had all this information, yet I was asked again. I refused to give any more information as this should be documented with the many times I had called. She did not offer me any resolution except I could speak with the XXXX and again I would have to wait 24-48 hours to receive a phone call. I explained that I never receive a phone call and she went on to say that it could be due to a wrong number documented. At this time, I am again furious and frustrated that this is a scam. 
I have decided to make a formal complaint to receive the funds from this gift card. 
I am attaching the receipt used for the purchased in XXXX and the cover that the card was given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX- Account # XXXX This account should not be on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NC

Complaint narrative:
XXXX- Account # XXXX This account should not be on 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 explanation
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
My name, date of birth and addressses and employment info are not correct on all XXXX credit reports.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name, date of birth and addressses and employment info are not correct on all XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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 am a victim of identity theft, as you can see there are many different address reported on my report. That is inaccurate address, it seems as if the person doesnt know my correct address but has been still applying for things in my name. I would like for the addresses and the items listed on the file to be deleted because no Permission was given.

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 2024-05-02 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-02 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and XXXX the account.

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 2024-05-02 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and XXXX the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: GA

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 U.S.C 1681 XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-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 non-monetary relief
Consumer complaint received 2024-05-02 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: GA

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 U.S.C 1681 XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-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 2024-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Cedars Business Services, LLC
State: MI

Complaint narrative:
I have a company named Cedar Financial with a phone number of XXXX that states I took out a payday loan that was not paid off. They provided me with a bank name and address I have not lived at for over a decade. They stated that I was going to be XXXX  for XXXX XXXX and then cursed at me, calling me a lowlife and a thief and saying profane words. When I called the number back, they said it was the fraud department of XXXX XXXX and would not give me any further information. The representative told me I would get that information from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Received a {$50.00} minimum interest charge after completely paying off my statement XXXX  months in a row and making XXXX purchases on the card. That is XXXX  month in a row they refuse to help or provide information I ask for. The only logical conclusion for the most recent charge is retaliation for my recent complaints. I was left with no choice but to cancel the card I have had over a decade because I cant think of any other way to get Citi to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-02 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: GULF COAST COLLECTION BUREAU, INC.
State: PA

Complaint narrative:
I have a marketplace insurance. I called my insurance and the dermatologist and both parties confirmed they accepted my insurance for a {$30.00} Co-pay. 

On XX/XX/2023 I had an appointment, paid a {$30.00} co-pay. 

In XX/XX/2023 I had a XXXX appointment. Paid a {$30.00} co-pay. 

In XXXX ( after my XXXX  appointment ), I was sent a letter saying I owed hundreds of dollars and no clear explanation. Deductible? Denial?? I moved, so I actually didn't get this letter, but I have an online record saying it was first sent XX/XX/2023. 

I would never have made a XXXX appointment with this provider had I known I'd get charged hundreds of dollars. I should've, at minimum, been informed after the first visit. I have been getting calls about these bills from Gulf Coast Collections. 

It was from XXXX XXXX in XXXX FL

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: TX

Complaint narrative:
XXXX XXXX XXXX {$120.00} XXXX, Equifax, and XXXX is falsely reporting this account on my credit profile, This account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
I recently pulled a copy of my credit reports and noticed Fraudulent Accounts and Inquiry 's that need to be immediately DELETED and/or updated Pursuant to 15 USC 16816-2 and more specifically 15 USC 1981c-2. I did not give written instruction to ANY bureau to post my public information, NOR did i originate ANY of the listed items in question. This Constitutes Identity Theft, therefore these items need to be corrected immediately. Please DELETE the following fraudulent accounts : XXXX XXXX, XXXX XXXX. Please DELETE the following Inquiry 's : 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 PLEASE SEE FTC COMPIANT FOR ADDITIONAL PERSONAL INFO CHANGES. Please update my personal info, name : 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 2024-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have been trying for over six months to resolve with Capitol One being double charged {$72.00} by XXXX XXXX for a monthly service. The charge is generally on the first week of the month and the duplicate charge at the last week. I have spent multiple hours and calls with Capitol One trying to resolve this problem. I have sent them over and over all the documentation that I have because it is charged monthly onto my credit card. I was advised to cancel credit card and get a new one and that did not resolve issue. I have written them that I do not authorize any further charges on my credit card and they told me I couldn't do that. The final call lasted over eight hours with multiple people. I finally asked and wrote to them to cancel my credit card and I was told I can not do that. This month they sent me a bill with over {$210.00} in interest charges for the interest of the disputed charges. When they told me I couldn't cancel my credit card I sent them the balance in full without the disputed XXXX XXXX charges. 
My account number with Capitol One Venture One is : XXXX XXXX XXXX XXXX expires XX/XX/28 security code. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My mortgage is with XXXX XXXX XXXX  and originated in XXXX. XXXX XXXX XXXX  states they have requested Experian Credit Bureau to report my loan information on/within their Bureau. XXXX XXXX replied via email " XXXX XXXX XXXX  has made multiple attempts to get Experian to start reporting your loan. XXXX reported your XXXX  XXXX bankruptcy reaffirmation to them in the proper time allotted, as we did with the other bureaus ; and they did not update your records. Eventually, this led to them purging your file. " This information is required to be a part of my credit history and credit score.

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 2024-05-02 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.

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 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I went into a chase branch to be added to my fiancs checking account to which i was denied with no explanation i then applied for an individual secure account and was approved to then later have it be closed by chase within the hour of me being approved and having it open pls note that this is the second time chase opens an account for me and without notice closes the account i want to have them open an account for me leave it open and not close it this is ridiculous that they approve it then close it with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
since XXXX my income has been reduced and I was unable to pay on time since then, I reach Chase Auto loans customer service for help, but they no give me any option just to pay, I asked for those fees that every month charge for repossession fee even when the car no was repossessed, plus late fees every month. I asked for waive of those fees, for me looks was not fair to charge you XXXX repo fee plus late fees every month, that make me kind impossible to put my account current.

Company response to consumer: Closed with monetary relief