vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
Subject : Formal Complaint Regarding Dispute Case # XXXX To : InComm and Vanilla Gift Card Disputes Team Dear InComm and Vanilla Gift Card Disputes Team, I am writing to formally lodge a complaint regarding a recent issue involving my Vanilla Gift Card. My name is XXXX XXXX XXXX, and I previously filed a dispute with your Customer Care Department under case number XXXX. 

The situation I am facing is quite distressing. An amount of {$3500.00} was stolen from my Vanilla Gift Card while it was in my possession. Unfortunately, when I was at my cousins house, someone pickpocketed me while I was asleep, subsequently depleting the entire balance on the card. 

Given the circumstances, I am urgently requesting your immediate attention and action to resolve this matter. I am asking for restitution or, if possible, an expedited recovery of the stolen funds. The loss of this amount has caused significant financial strain, and I hope that you will prioritize the resolution of my case. 

I trust that InComm and the Vanilla Gift Card Disputes Team will act promptly and fairly to rectify this issue. Please let me know if any further information or documentation is needed from my side to assist in the investigation. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the egregious neglect and procedural failure of the major credit bureausEquifax, Experian, and XXXX addressing and correcting blatantly inaccurate information on my credit reports. Despite multiple attempts to resolve these discrepancies, the bureaus have failed to take any corrective action or even acknowledge my disputes, which is both unacceptable and damaging to my financial well-being. 

I have disputed this information with the bureaus 4 times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, now XX/XX/XXXX. The Credit Bureaus NEVER sent letters back to notify me of changes or my updated Credit report according to XXXX XXXX. When I called each one, I was dealing with an automated response that would hang up after XXXX minutes I did not want to have to involve the CFPB, but feel I am left with no choice. Myself, being an older Veteran, can not keep spinning my wheels getting nowhere. 

The XXXX items in question are XXXX XXXX  XXXX - XXXX XXXX - XXXX and XXXX. 

Each time, I provided comprehensive documentation proving the inaccuracies and outlining the corrections needed. However, the credit bureaus have just ignored my disputes, and when I try and call, the automated system hangs up. I feel they are taking advantage of Consumers.

This repeated failure to address my disputes is not only a violation of the Fair Credit Reporting Act but also a gross negligence of the duty to ensure the accuracy and integrity of consumer credit information. I urge the CFPB to investigate this matter immediately and hold the credit bureaus accountable for their persistent failure to uphold their responsibilities. 

I trust that the CFPB will address this matter with the urgency and seriousness it warrants. My financial reputation and peace of mind are at stake, and I look forward to your prompt resolution of this issue.

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 2024-08-09 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: NY

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year> I found out about the unrecognized account XXXX affiliated with Bank of America with a credit limit of {$700.00} on XXXX, with a balance of {$14.00} already. 
Same day, I filed an indentity theft report to law enforcement via Federal Trade Commission 's XXXX website ( letters attached ) I contacted Bank of America to report this but the representative could not locate the account given my personal information and can not resolve this matter. Representative suggested me to contact XXXX. 
I contacted XXXX to file a dispute.

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 2024-08-09 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A collection company XXXX XXXX XXXX has decided that they will illegally try to collect on a XXXX account from XXXX. They are embolden by the lack of thoroughness to verify the debt by XXXX, XXXX and Transunion. 

I've asked the collection company and credit reporting agencies for actual verification and they've not provided. I've disputed it and these companies obviously takes the word of the collection company without asking for verification documents showing when and where the debt occurred. 

XXXX ( XXXX ) years is the maximum time credit agencies can report a debt per Fair Credit Reporting Act ( FCRA ). I think it's fair to say XXXX years exceeds that timeframe.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A collection company XXXX XXXX XXXX has decided that they will illegally try to collect on a XXXX account from XXXX. They are embolden by the lack of thoroughness to verify the debt by XXXX, Equifax and XXXX. 

I've asked the collection company and credit reporting agencies for actual verification and they've not provided. I've disputed it and these companies obviously takes the word of the collection company without asking for verification documents showing when and where the debt occurred. 

XXXX ( XXXX ) years is the maximum time credit agencies can report a debt per Fair Credit Reporting Act ( FCRA ). I think it's fair to say XXXX  years exceeds that timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
PHH mortgage has now threatened to foreclose on my property unless I pay them a ridiculous amount of money .... {$3300.00}. Although I've never been late or missed a payment... ..they are saying I'm in arrears. This company along with their parent company is 10 times worse than XXXX XXXX and XXXX XXXX. Been paying on this mortgage for over 28 years, and they got me owing {$40000.00} more than when I started!!! Where has all my money gone????? They are literally trying to steal my home. They have been fined for these fraudulent and deceptive practices before, but they continue to practice them. They now want me to pay over {$3300.00} just to " catch up ''. I've never missed a payment and they refused to cash last months check. This is not a repeat of past complaints I've made about this company, now they are trying o foreclose. I should not have to file bankruptcy to keep my home. This is wrong and the CFPB needs to do what your office is supposed to do, keep predatory lenders in check... .this company has got away with robbing myself and others for far too long!!! No way should a citizen that has paid on a $ XXXX mortgage continually for over 28 years, now have a balance of a $ XXXX!!!! This company has been punished before for deceptive practices, my case is no different and probably much worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: NJ

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: NJ

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

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 2024-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My normal payment was for {$260.00} each month. For XX/XX/XXXX, I only owed {$73.00}. I tried to log in multiple times in XXXX and called customer service several times to try to get my automatic payments stopped. And my portal access was not restored. They withdrew {$260.00} instead of the {$73.00} remaining. I am owed {$190.00}. Because the technical problems accessing the portal. They claim they opened a ticket with the IT department weeks ago but I haven't heard anything. 

Now my mortgage has transferred from XXXX to Chase and I'm still unable to log into the Chase portal to access my new loan. I called again today Friday XX/XX/24 and tried to get access but I waited on hold for XXXX minutes before hanging up. It's going to be more of the same with these people. I'm furious. I don't want to deal with them. 


My new mortgage account number is supposedly Chase Loan Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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:
I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally dispute an incorrect address that is currently reported on my credit file. The address in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This address is incorrect and should not be associated with my credit profile. To help facilitate the correction, I have enclosed the following documents as proof of my correct address : XXXX. A copy of my government-issued ID ( e.g., drivers license, passport ). 
XXXX. A copy of a recent utility bill or bank statement showing my correct address. 
XXXX. A copy of my social security card Please investigate this matter and update my credit report to reflect my correct address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have this information corrected if it is found to be inaccurate. Please provide written confirmation once this correction has been made. 

Thank you for taking the time to look into this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: MD

Complaint narrative:
I am reaching out for your assistance with the incorrect entry on my credit report. This matter has negatively affected my reputation, and I need your help to resolve it. The way you have handled my credit report has caused significant damage, leaving my reputation in ruins due to your inaccurate reporting. I urge you to correct these issues so that I can live peacefully with my family.

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 2024-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. these are the accounts : 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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOUTHSTATE BANK CORPORATION
State: DC

Complaint narrative:
XXXX. XXXX XXXX shows a non-sufficient activity report from South State Bank that I have an unpaid balance of {$130.00}. 

XXXX. XXXX XXXX  denied my application to open a XXXX account based on this report. 

XXXX is not my account nor have I ever lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC. This was my mother 's account who lived at that address. 

XXXX. After my mother ( XXXX XXXX ) became XXXX with XXXX, I administered payment and reimbursements of : medical expenses, assisted living expenses, geriatric care fees, and other living and personal expenses. This was funded by my mother 's pension payments from XXXX  XXXX XXXX XXXX ( XXXX ) that went into the account. 

XXXX. After my mother 's death on XX/XX/2019, XXXX benefits stopped. The account ceased to have a source of funds*. (. South State Bank continued to process account fees and other debits after the account funds were exhausted while tacking on NSF fees. 

XXXX. This adverse report from an account which is not mine has unfairly caused me to be denied services from a financial institution despite my XXXX XXXX XXXX. 


*Her house was sold on XXXX with all proceeds used to pay medical, assisted living, XXXX  care, and other living and personal expenses

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
Good evening, I opened an Aspire credit card 4 months ago and in my 2nd month i noticed fraudulent transactions when i was going to pay my bill. I barely used the card and noticed i only had roughly {$30.00} in available credit left. I panicked and chatted with the live agent and told him about my situation. I followed the steps and he the agent told me he will block my card and gave me a phone number to call in and report the transactions. I fell ill and ended up calling a week or 2 later. I followed the steps and made it clear i did not have my card present and i chatted with someone online. The transaction ended up totaling {$850.00} with merchants i never recognized. 

Furthermore, on XX/XX/XXXX i received. letter from Aspire account ending in XXXX stating '' the investigation was not in my favor because i accessed the account during the transactions ''. I recalled accessing my account when i had {$30.00} available credit then the card was blocked. I had lost my phone a few weeks prior at the gym but ended up getting a replacement through my insurance, but didn't know i had to report that. I believe whoever stole my card also stole my phone as-well after figuring out my account had been accessed during those times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: OK

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score 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 explanation