vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
I received a gift card for XXXX from a friend. I tried to use it only after a month. It turned out that the card had a worn-out number. I reported it to vanilla git card on XX/XX/XXXX. An investigation was ongoing. They wanted the bill and a photo of the card. Due to the fact that the card was a gift, I asked my friend to give me the bill for this card ( it was topped up for {$100.00} ), unfortunately the friend no longer had the account but he gave me a bank statement. We went to the store to get a reprint bill. The store informed us that it can only reprint it within 7 days. But they said that they see this transaction and that it is a vanilla card, they will call and confirm the purchase of the gift card. I provided all this information to vanilla gift card along with the bank statement. On XX/XX/XXXX, I received a replacement card. When I registered her balance was {$0.00}. I reported the problem again. It is known that it was not about receiving a XXXX card, but about the funds that were deposited. After this situation, I received an email asking for the bill again. The card was purchased in XXXX IL XXXX at a dollar tree store, once again I sent them a printout from the bank with the transaction from this store, informing them that the store can not print the invoice but if Vanilla Gift calls, it confirms the transaction and top-up of the card. The case has not been resolved to this day and they never provide an e-mail update about the completed proceedings, so I have to call them again. My case number in Vanilla Gift cards is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: 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.

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 2025-02-17 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:
XXXX  XXXX is report my account past due XXXX times a month, driving my credit score down to 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 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
These are all charges charged at a gas station when I used my card for gas. I would be charged {$100.00} and sometimes {$120.00} and then the original charge for gas that I bought. XXXX XXXX XXXX  has done this from XXXX  to current with out my knowledge until I received the bank statement. I was never able to get into the bank online because my password was wrong. When I would try to update my password the system would tell me I was putting in the wrong information. This is the XXXX XXXX XXXX XXXXXXXX account. I will attach the documents because there are about XXXX charges that I am disputing. When I called to file the claim on these I got the run around for days. I had to go in to verify my self XXXX times in XXXX  month. I sat on the phone for literally hours.

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 2025-02-17 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV FUNDING LLC purchased a charged off account from XXXX in the amount of {$7200.00}. REPORTED XX/XX/XXXX. No forward flow agreement or purchase agreement was given upon request to validate and identify this debt. I certify mailed my request, and was not sent all that I requested. I was emailed XXXX times requesting to pay this unverified debt from XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-02-17 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: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY : XXXXXXXX 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 2025-02-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: WA

Complaint narrative:
I am writing to file a complaint regarding an inaccurate item on my credit report that I wish to have deleted. The information in question is negatively impacting my credit standing, and despite my attempts to resolve this matter directly with the credit reporting agency and the creditor, the issue remains unresolved. 
Details of the Inaccurate Item : Creditors Name : XXXX Account Number : XXXX Date of Inaccuracy : XX/XX/XXXX Description of Inaccuracy : I have never had account ownership Creditors Name : XXXX Bank Account Number : XXXX Date of Inaccuracy : XX/XX/XXXX Description of Inaccuracy : I have never had account ownership Creditors Name : XXXX  Account Number : XXXX Date of Inaccuracy : XX/XX/XXXX Description of Inaccuracy : I have never had account ownership Creditors Name : XXXX Account Number : XXXX Date of Inaccuracy : XX/XX/XXXX Description of Inaccuracy : I have never had account ownership I have made good faith efforts to dispute this error by contacting the creditor or credit bureau directly, XX/XX/XXXX and XX/XX/XXXX Despite my attempts, the inaccurate information has not been corrected. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: WA

Complaint narrative:
I am writing to file a complaint regarding an inaccurate item on my credit report that I wish to have deleted. The information in question is negatively impacting my credit standing, and despite my attempts to resolve this matter directly with the credit reporting agency and the creditor, the issue remains unresolved. 
Details of the Inaccurate Item : Creditors Name : XXXX Account Number : XXXX Date of Inaccuracy : XX/XX/XXXX Description of Inaccuracy : I have never had account ownership Creditors Name : XXXX Bank Account Number : XXXX Date of Inaccuracy : XX/XX/XXXX Description of Inaccuracy : I have never had account ownership Creditors Name : XXXX  Account Number : XXXX Date of Inaccuracy : XX/XX/XXXX Description of Inaccuracy : I have never had account ownership Creditors Name : XXXX Account Number : XXXX Date of Inaccuracy : XX/XX/XXXX Description of Inaccuracy : I have never had account ownership I have made good faith efforts to dispute this error by contacting the creditor or credit bureau directly, XX/XX/XXXX and XX/XX/XXXX Despite my attempts, the inaccurate information has not been corrected. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 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 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: IN

Complaint narrative:
In XXXX of 2024 a lawsuit against me was furnished for a debt I was unaware of, I have requested a hardship plan and requested the forward flow agreement regarding the debt the collection firm has yet to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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:
I am writing to address a serious issue regarding account XXXX XXXX on my credit report that is reporting inaccurate information. The payment history for these accounts is entirely incorrect, with your company claiming that this account was charged off in XXXX when in fact my payments were deferred due to covid. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the CARES Act. There are different open dates being reported, as well as the date last active which is very crucial and looks as if it has been re-aged. I previously notified you that I would be seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Your response stating that XXXX had filed for protection under XXXX XXXX of the U.S. Bankruptcy Code in the XXXX XXXX XXXX XXXX does not address my concerns about the inaccurate reporting. Your response did not confirm or deny the incorrect information. This lack of resolution is unacceptable. XXXX has already deleted this account. I am requesting that you remove this information immediately from my credit report. Failure to do so will result in further 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 2025-02-17 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: Possible Financial Inc
State: NC

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
On XX/XX/year>, I visited NBT Bank on XXXX XXXX XXXX, XXXX, NY XXXX, with my husband to open a new bank account. 

When my husband stepped out to withdraw some cash to deposit, XXXX XXXX, the banker tasked with opening our joint account, asked if I were a XXXX XXXX, even though she had a copy of my driver 's license and social security card in front of her. Despite my pronounced XXXX XXXX affectation and living no where else but the XXXX my whole life, XXXX automatically assumed that I was a foreigner because I wasn't white. I've held bank accounts all across the XXXX for over 30 years and have never been asked that by a banker before. After I told her yes and hoped that it would be her last indiscretion, I was wrong. 

When my husband ( who happens to be white and is an immigrant ) came back, he gave XXXX XXXX forms of ID, his driver 's license and green card. After seeing my husband 's green card, XXXX, went to her manager and asked if we needed to fill out an IRS XXXX XXXX. An IRS XXXX XXXX is a form for XXXX who happen to hold assets in the XXXX and don't pay income taxes as they are not authorized to live in the XXXX long-term XXXX This form would take an additional 30 % tax on what we both deposit into this bank account ( as it's a joint account ). This would be unnecessary and completely unfair as I am already taxed on my earnings as a XXXX XXXX 

I told XXXX XXXX that this form wasn't necessary as my husband is a documented XXXX XXXX XXXX  who has been employed by several XXXX employers over the years and happens to be married to a XXXX XXXX. I even showed her the IRS website that said permanent residents and XXXX  should not fill out this form. XXXX didn't listen and even said that not filling out the XXXX XXXX could result in the revocation of our account. To add insult to injury, she even asked for my husband 's last foreign address, even though he's lived in the XXXX for over XXXX decades. 

The next day my husband went to the NBT Bank Branch on XXXX XXXX, XXXX, NY XXXX and told them what happened. They confirmed that XXXX was wrong and apologized to him. I had also asked XXXX to order a check book for me prior to my husband stepping away to withdraw money. The tellers at the NBT on XXXX XXXX, said that no check book was ordered, which indicates that XXXX believes that she was in the right and thought that our account would get shut down. In the end we decided to close the account, as we wouldn't want people like XXXX XXXX and her manager benefitting from our business.

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