vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-12-20 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: IL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my credit report that is the result of Identity theft, Transunion data Breach, and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX XXXXXX/XX/year>, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX : Account number : XXXX, XXXX | XX/XX/year>, and XXXX | XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, TRANSUNION XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.

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 2024-12-20 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: OR

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-12-20 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: OR

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on 09/01/2024, and I have not yet received a response.

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 2024-12-20 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: TX

Complaint narrative:
You are in violation of the law! 

As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. XXXX XXXX is knowingly making false and misleading statements about my student loan debt. 

As per the XXXX Emergency Relief and Student Loan guidance from the Department of Education XXXX XXXX Department of Education owned loans are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. 116-136 ) and invocation of the Higher Education Relief Opportunities for Students Act of 2003 ( HEROES Act ). Based on these acts the Department of Education put for the following policies : Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. 
ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for XXXX XXXX XXXX XXXX ( XXXX ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the nine voluntary payments required for individuals to rehabilitate their defaulted loans.

Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. 
Multiple rules related to the 120 monthly payments required to qualify for XXXX were waived. 
A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the XXXX plan maximum repayment period for any months in which they were in repayment status and for specified periods of deferment or forbearance. 

My Navient student loans were owned by the Department of Education ( proven by the Department of Education XXXX approval ). As per court order ( CFPB vs XXXX XXXX ) XXXX has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. XXXX is no longer responding to my verification requests. 

XXXX is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. 

As per CARES Act and HEROS Act any and all XXXX late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received a {$1000.00} AMEX pre-paid card. 

It claims it can be used like any credit card. 

It works no where. Its doesnt work on XXXX XXXX it doesnt work at my grocery store ( XXXX ). I tried a few other online stores that claim they support pre-paid cards. But its always declined. I tried everything from a {$15.00} to {$500.00} online purchases. 

The only test that worked was XXXX Eats, which I dont use. Otherwise the card is not accepted anywhere and can not be used like a credit card as AMEX claims. I have no way to access purchases on this card at any major shopping facility. 

Also when I go to the site for Amex gift cards and check my balance I see XXXX charged it XXXX cents twice from the 2 times I tried to use it on XXXX but was declined, yet XXXX never refunded it and declined the card even though their 10 cent withdrawl test worked and got some money from the gift card. 

I looked online and this seems to be a huge issue with Amex, it feels like a scam. You pay for the card but then cant use it anywhere as credit as they falsely claim you can The claims on the card are false. I would like access to my {$1000.00} somehow!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and XXXX XXXX. Account Balance and High Credit Conflict : o Balance : {$5600.00} o High Credit : {$5600.00} o XXXX XXXX : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o Equifax : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o XXXX : " Dispute resolved ; customer disagrees. '' o XXXX : " Subscriber reports dispute resolved - consumer disagrees. '' o Equifax : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX o Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " CO '' and " OK '' marks, especially for Equifax, XXXX there is a mix of " OK '' and " XXXX '' XXXX. Two-Year Payment History : o The payment history shows " OK '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX credit card accounts must be removed from my credit report. I was denied credit due to this fraudulent accounts on my experian, XXXX, and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I deposited {$2800.00} in cash into a Chase Atm at a branch location and the atm printed a precept that stated call to check if deposit was credited. Well the deposit was not credited and all management at the branch told me they couldn't do anything about issuing a credit to cover my deposit. The call number for chase told me it could take 2 buisiness days to issue a credit and 10 days clear the deposit. I have bills that are going to bounce now due to not having access to my funds and not recieving credit to my checking account for the amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
I am deeply concerned about the ongoing billing and reporting errors that are negatively affecting my credit. These issues violate my rights under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), which requires creditors to accurately record payments and credits. Unfortunately, payments I made have not been properly documented, and there are obvious miscalculations in the reported balances. Adding to the problem, I was not given the legally required 21-day notice before a payment was due, making any late payment reports both invalid and unjustified. These inaccuracies are causing significant harm to my credit standing and financial 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 non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/24, I purchased a " Vanilla Visa '' prepaid gift card in the amount of {$490.00}. Although the card was activated, it was always declined, without exception. Customer service repeatedly assured me that the problem was fixed, but it persisted. Essentially, the card wouldn't work no matter what I did. 

On XX/XX/24, " Vanilla Visa '' agreed to send me a {$490.00} refund check in the mail. They assured me that it would arrive within three weeks at most. It did not. 

On XX/XX/24, I was told that the check had been mailed and that I should have received it. They asked me to wait another week to see if it would show up, and I agreed to do so. Unfortunately, the check still has not arrived. 

" Vanilla Visa '' took {$490.00} ( plus a {$4.00} fee to the retailer, XXXX ) from me, and I got a card that simply does not work. I want my {$490.00} back as promised. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Midland Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Subject : Final Request for Removal of Inaccurate Collection Account Account # XXXX To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection account listed on my credit report under the account # XXXX. Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report, saying is Verify without proved.

I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file.

Since the collection agency failed to provide validation and my previous requests for verification have been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA.

Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
I have XXXX account with XXXX. A XXXX credit and a XXXX cashback mastercard. On the credit, I had a {$3500.00} limit. On the master card I had a {$2000.00} limit. I owed on both cards approximately 75 % balance. On the month of XX/XX/year> I completely paid both cards in its entirety. Leaving me with a XXXX balance on both. XXXX bank decided to drastically reduce my credit limit on both cards to {$100.00} which is extreme. I understand the reduction in credit but that drastic is not fair. Especially when I have not been late or delinquent with their accounts. Ive since then reached out to XXXX and synchony expressing my frustration and concern with to remedy. Id really like my limits back to where they were and more if possible because Ive shown I can run up a bill and pay it off. Its not fair the way they drastically reduced my limit. It hurt my credit. Accounts ending in XXXX. Accounts ending in XXXX and accounts ending in XXXX have all been reduced extremely. I have paid off all my debt that they claim was the reason for the reduction. Please apply my credit to where they were if not more.

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 2024-12-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and XXXX XXXX. Account Balance and High Credit Conflict : o Balance : {$5600.00} o High Credit : {$5600.00} o Credit Limit : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o XXXX : XX/XX/XXXX o XXXX : XX/XX/XXXX o Equifax : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o XXXX : " Dispute resolved ; customer disagrees. '' o XXXX : " Subscriber reports dispute resolved - consumer disagrees. '' o Equifax : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX o Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " CO '' and " OK '' marks, especially for Equifax, where there is a mix of " XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX. Two-Year Payment History : o The payment history shows " OK '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and XXXX XXXX. Account Balance and High Credit Conflict : o Balance : {$5600.00} o High Credit : {$5600.00} o Credit Limit : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o XXXX : XX/XX/XXXX o XXXX : XX/XX/XXXX o Equifax : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o XXXX : " Dispute resolved ; customer disagrees. '' o XXXX : " Subscriber reports dispute resolved - consumer disagrees. '' o Equifax : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX o Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " CO '' and " OK '' marks, especially for Equifax, where there is a mix of " XXXX XXXX XXXX XXXX XXXX XXXX 6. Two-Year Payment History : o The payment history shows " OK '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.

Company response to consumer: Closed with non-monetary relief