vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: MI

Complaint narrative:
I purchased a {$25.00} XXXX gift card from XXXX and the issuer is VanillaGift. I have tried multiple times to pay my cell phone with it and it was denied. I tried adding it to my XXXX XXXX and it was denied even though XXXX XXXX  is the issuer. I have tried to use it online for restaurant purchases and it is denied. I have verified it is active, the balance is {$25.00} and even added a pin - payment is always denied with the message something is wrong with the form of payment. 

I called the number on the back of the card, XXXX entered the information on the front and back of the card, and VanillaGift says the security code on the back of the card is invalid! I have tried XXXX and same thing. There is absolutely no option to speak to a real live person- it is all automated and an endless loop back to sorry invalid security code. 

I paid {$25.00} plus {$4.00} for a deiberate fraudulent card issued by VanillaGift and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: AZ

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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:
I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. As a victim of a data breach, I did not authorize the accounts or inquiries listed below. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file promptly. 
XXXX Accounts to Be Blocked and Deleted XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$XXXX} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$XXXX} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$XXXX} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$XXXX} Unauthorized Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXXXXXX XXXX XXXX  : XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year> 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 of 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 2024-11-26 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:
I sent a letter to XXXX regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to XXXX regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/year>, I had a credit card charge of XXXXXXXX XXXX in XXXX on my Chase XXXX XXXX credit card. The credit card exchange rate was significantly overstated. They charged be an exchange rate of XXXX for XXXX  to USD. The most recent rates over the last month were XXXX to XXXX. I called to challenge the charge and spoke to a supervisor named XXXX. He provided no help other than say that was the rate used in their system. He did look up the current rate and agreed it was around the XXXX rate. 

My XXXX charge was XXXX, using Chase exchange rate it came to {$XXXX}, it should have been {$XXXX}, an over charge of {$XXXX}. Chase Bank will not take any further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened : Account Name : XXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: NJ

Complaint narrative:
I have notified your office multiple times about inaccurate accounts in pending litigation on my credit report, but I am still waiting for action.

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 2024-11-26 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:
Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security XXXX XXXX ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why XXXX made it very clear that XXXX, transunion, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. XXXX giving XXXX the opportunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION,

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 2024-11-26 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: 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 confidentially under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXXXXXX XXXX  # XXXX, Account Name XXXX Card # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>, and noticed some items were incomplete and inaccurate. 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 about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ), they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( 1 ) of 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 that item of information from the file f the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from te file of the consumer.

According to 15 USC 1681-2, they are supposed to, not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: VA

Complaint narrative:
I recently reviewed my credit and notice fraudulent activity. Please remove all fraudulent acrivity as it is hurting my ability to obtain credit. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Subject : Complaint Regarding Illegal Overdraft Fees Charged by Navy Federal Credit Union ( XXXX - Present ) To Whom It XXXX Concern, I am writing to file a formal complaint regarding XXXX XXXX XXXX XXXX practices of charging illegal overdraft fees, specifically through their XXXX XXXX XXXX XXXX ( OOPS ), which have impacted me since XXXX. I request that these fees be reimbursed from the Victims Relief Fund, as I was charged improperly for overdrafts in situations where my account had sufficient funds at the time of transaction. 

According to recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX engaged in unlawful overdraft practices between XXXX and XXXX, including charging fees for purchases made when my account had sufficient funds but later showing a negative balance due to delayed transaction postings. Additionally, I was charged overdraft fees related to delayed payments from services like XXXX, XXXX, and XXXX XXXX, which were not disclosed to me by XXXX XXXX as being subject to late processing times. 

Specifically, the following occurred : Surprise Overdraft Fees for Transactions with Sufficient Funds : I made purchases with my account showing enough funds, only to later be charged overdraft fees when the transaction posted to my account days later and my balance became negative. This aligns with the practice described in the CFPB 's action against XXXX XXXX, where fees were charged despite there being sufficient funds at the time of the purchase. 
Overdraft Fees Due to Delayed Payments from Peer-to-Peer Services : I received payments via XXXX, XXXX, XXXX XXXX XXXX that were immediately available for spending, yet I was charged overdraft fees when the payment did not post until the next business day. This practice also appears to have violated CFPB regulations, as these delayed postings were not disclosed at the time of the transaction. 
I am requesting a refund of the overdraft fees charged to me under these circumstances, and I seek reimbursement from the XXXX Victim Relief Fund, as I have been financially harmed by XXXX XXXX illegal practices. 

I am aware that XXXX XXXX is under a CFPB order to refund affected consumers and cease charging these fees in the future. I kindly request that my case be reviewed and that I be reimbursed for the overdraft fees I have been charged from XXXX to the present. 
Should further information or clarification be needed, I am happy to provide it. 

Thank you for your attention to this matter. I look forward to a prompt resolution of my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Thank you for your attention to this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Subject : Formal Complaint Regarding Misinformation by XXXX XXXX, Bank of America This report outlines a case of misinformation provided by XXXX XXXX, the Relationship XXXX at the Bank of America XXXX located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX : On XX/XX/XXXX, I visited the branch to open both a checking account and a credit card. My primary motivation for opening the credit card was to obtain the {$XXXX} reward advertised as a promotion. The terms stated that customers would receive this reward upon spending {$XXXX} within XXXX  days ( see link at the end for reference ). However, during my interaction with XXXX XXXX, critical misinformation occurred. 

XXXX XXXX and XXXX : Before visiting the branch, I researched Bank of America 's credit card options. I understood that individuals with no XXXX XXXX might not qualify for unsecured credit cards and that building credit often involves starting with a secured credit card. I had decided I would proceed with a secured credit card only if the {$XXXX} reward was still applicable. 

When I asked XXXX to confirm whether I would qualify for the {$XXXX} bonus reward with a secured credit card, he explicitly assured me that the reward applied to secured credit cards as well. Based on this assurance, I deposited some amount money as collateral and opened the secured credit card. 

XXXX and XXXX of XXXX : Approximately XXXX month later, during a visit to the branch to open a checking account for my wife, I asked XXXX why XXXX XXXX received the bonus, despite having spent {$XXXX}. He replied that the reward would be credited by the end of the month. 

In early XXXX, I learned from a friend that they had received their {$XXXX} bonus immediately after meeting the spending requirement. XXXX, I contacted Bank of America customer service, who informed me that secured credit cards are not eligible for the {$XXXX} bonus reward. On XX/XX/XXXX, I called XXXX to clarify, and he confirmed his error after consulting with his team. 

Escalation and Request for XXXX : I discussed this issue with the branch XXXX, who maintained that the bonus could not be granted due to the card type. However, this situation is entirely the result of misinformation provided by the banker side. 

Had I been correctly informed, I would not have opened the secured credit card. 



link of {$XXXX} cash reward XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief