vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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:
My identity was stolen. I contacted these companies previously and advised them that these accounts did not belong to me and it was identity theft. They have refused to block these accounts and are violating my rights. They are also damaging my credit score as well as my ability to live properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Regional Management Corporation
State: MO

Complaint narrative:
My husband took out a loan through Regional Finance. I did not co-sign or want anything to do with this loan. 
We both have separate checking accounts. He does have an account with my name on it so if he ever goes over, I can transfer money to his account the minute I learn of it. 

I have taken all if my bills through a debt management company, XXXX XXXX XXXX. I've been with the for several months. My credit score was in the XXXX range. 

Then one day during the last couple months, an employee of Regional Finance called and asked to speak to my husband about his late bill payment but he wasn't home.

I spoke to the person mentioning he was going through a debt company, XXXX XXXX. During this conversation they took it upon themselves to put my name on this account and call it a joint account. 

Now my credit is XXXX. If it wasn't for this one bill, I'd have great credit! How can I get my name taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION
State: WA

Complaint narrative:
My brother died on XX/XX/2023, leaving a checking and savings account open with M & T bank in XXXX, PA, in the amount of {$1500.00}. I contacted the branch XXXX and was instructed on what were the necessary items to be provided in order to receive this money. My brother had no wife, no children, and both parents are deceased, so I am his next-of-kin. I provided a certified death certificate, a copy of the paid-in-full funeral home invoice for cremation and graveside services, and a letter of intent stating my reason for claiming my brother 's funds with my notarized signature. I can't remember the exact date that I called M & T Bank, but it was some time in the middle of XX/XX/2023. The last correspondence I received was a piece of paper requesting a notarized signature along with boxes to check stating various facts, but I disagreed with XXXX of them, so I called the branch XXXX many times to tell her this, and she refused to answer my phone calls or return my calls. Specifically, I did not want to check the box which said that I acknowledge receipt of {$1500.00} because I have not received any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
In 2021, I initially requested debt validation from XXXX XXXX as well as asking XXXX, XXXX, and Equifax to investigate that the information being reported on my consumer report was accurate. XXXX at that time sent me a copy of a past due bill which is NOT the information that I requested to be able to validate the debt on my end. XXXX, XXXX and Equifax responded stating the account was verified. I initiated this process again in XXXX and received the same information. XXXX then asked if I wanted to mark the account as fraud to which I stated I don't know if it's a fraudulent account or not but I have no accounts with XXXX XXXX XXXX so as I requested again the due diligence is on the Reporting Agency to report accurate information. If the account is fraudulent then they can mark it as such. I should not have this account reporting on my consumer report if it has not been validated as an account that I own and I have not been able to get any complete and valid information from either the reporting agencies nor XXXX I have asked XXXX to provide detailed information for my records that would help validate this debt such as : 1. Verification of the Debt : Please provide detailed documentation that verifies the debt you claim I owe. This should include information about the original creditor, the amount owed, date that the original account was opened and the date the account became delinquent, and the terms of the debt agreement. It should also confirm whether or not the debt is within the statute of limitations for collection. Please note that supplying just a copy of a bill from the original creditor is NOT actual verification that the debt belongs to me. 2. Itemization of the Debt : I would like an itemized breakdown of the total amount claimed, including any individual amounts and accumulation breakdowns, fees, interest, and/or additional charges that have been added to the original debt. This will help me better understand the total amount being sought. 3. Proof of Ownership : Please provide evidence that your agency has the legal authority to collect this debt. This should include documentation of the assignment or purchase of the debt from the original creditor along with the amount that you have purchased the debt for and the date of assignment. Please note that supplying just a copy of a bill from the original creditor is NOT actual proof that you have the right to collect. 4. Verification of Communication : If your agency has made any prior attempts to contact me regarding this debt, please provide proof of those communications, including ALL dates and methods of contact. I have provided more than 30 days to get this resolved and I am getting no further information from them other than just a bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: NJ

Complaint narrative:
I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

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 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 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 non-monetary relief
Consumer complaint received 2023-12-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

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 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 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 explanation
Consumer complaint received 2023-12-11 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:
The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account Names and Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: NV

Complaint narrative:
I have diligently contacted Transunion on dates between XXXX XXXX XXXXXXXX via certified mail ( enclosed are copies of the receipts ) and have made numerous calls to their customer service department. Despite my persistent efforts, the inaccuracies on my credit report have not been corrected, causing severe financial consequences for me. These inaccuracies include incorrect reporting data along with accounts that are not mine. Transunion has continued to verify these accounts as correct and have failed to provide in accordance with the law the request verification.

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 2023-12-11 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: IN

Complaint narrative:
I received an Amex Gift Card from my company for {$100.00}. It will not work at any online website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all were declined on XX/XX/. I verified on XXXX and confirmed the card has been activated and only have a XXXX hold from XXXX. I have received Amex gift card for years from my company and have always been able to use them online, however the last 2 I received both decline no matter the amount or website I try. I was on hold with customer service for over 3 hours XXXX XXXX XXXX only to be disconnected when the CS agent answered. I found that many others are experiencing the same issue and think this needs to be resolved as I now have {$100.00} in money I can't use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2023-12-11 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: CA

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 2023-12-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 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 2023-12-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: IL

Complaint narrative:
I recently checked my credit report and noticed accounts listed that I do not recognize or never had a contract with

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 2023-12-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2023-12-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Credit Karma, LLC
State: RI

Complaint narrative:
Credit Karma double-charged my rent payment and car payments which are my largest expenses. This resulted in an overdraft of over {$2000.00}. On XXXX I tried to notify them by phone, but after 40 minutes on hold the call disconnected. I reached out on chat, and after another wait, I explained the issue. They stated they were going to transfer me to a specialized department but that was also dropped. They then emailed me which I replied to with documentation showing which transactions they charged twice. It is now XX/XX/11 I have had no access to my money to buy food or other necessities, instead of fixing my account, they are threatening to drop me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase United Explorer card featuring now baggage fee for card holder and 1 extra passenger if booking with the card for trips. 
I have done so and got charged twice for a round trip when I checked a bag for me and a bag for my wife. 
I have called in to ask for refund, XXXX XXXX XXXX XXXX XXXX can only do it for me for one trip but not the returning trip apparently due to the flaw in their system. The agent said she can not do it and I have to got to some website to do it self serviced. I declined to do so and insisted they should refund me but this never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: CA

Complaint narrative:
I have sent a letter to credit reporting agencies such as Experian, XXXX XXXX, and XXXX to remove unauthorized inquiries from my credit report. They have never responded about my request.

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 2023-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i never agreed to pay minimum payments ever. this was a promotional offer done thru an agent i agreed to pay whole balance off within promotional period with no fees no interest. 
i have had promotional offers before with XXXX XXXX  no problems but someone somehow made it so i ended up paying a double for tjhe item. including XXXX still due this will ruin my credit please 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 explanation