vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX ( account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-04-18 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: UT

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: MD

Complaint narrative:
I purchased a {$350.00} Vanilla Gift card for a family member around XXXX XXXX. He was able to use it for XXXX days and then it was declined. I tried to obtain info online regarding what to do but the site told me to check again later. I called on XX/XX/XXXX to get assistance. They told me that the only thing they could suggest was that I add it to my wallet on my iphone. It did not work. We tried several times and it did not work ( it said card invalid contact provider ) They issued a claim number and told me that someone would call within XXXX hours to assist. No one ever called. I called again today XX/XX/XXXX. I was transferred to technical support who stated that I should try again to add it to wallet and that the card is valid from their end. Adding to wallet did not work. Representative said I don't know what to tell you try again another time there is nothing else we can do. I asked that they cancel it and send me a replacement and she said we can not do that you already used it before ( there is currently around XXXX left on the card ). I asked that they send a new card with the remaining balance. They said they can not help me that they will not send a replacement and that I can try adding to XXXX wallet. That also does not work. Essentially they refuse to help me. I asked to speak to a supervisor and was told that she was the highest level possible to speak to and that they can not help me but I can try to keep using or adding the card in the hopes that eventually it will work

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I got a legitimate text from Chime banking that said they stopped a suspected fraudulent purchase on XXXX, and wanted to know if it was me. The charge was {$12.00} for XXXX XXXX XXXX ' on XX/XX/2024. I called XX/XX/2024 immediately when I saw the message from the bank. The charge was fraudulent, it was not me, I did not make the purchase, my account had been compromised. I called them and the woman on the phone asked me what the problem was, before taking any information that can lead her to my account. She seemed to not understand her job, stuttered at me a lot, and refused to issue me a new debit card. Legally, if my account was compromised they are required to issue me a new card. Her reasoning was that the card was not " lost or damaged '' so there was no need for me to have a new card. Infuriating. Someone is trying to take my money and they are trying to let it happen. Please help me as they think this is a game. She asked me a lot of questions, like if I had allowed the card out of my possession. She left me on hold to get a manager and I was so upset I hung up and tried to take care of the problem myself, since she was incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I reached out to rocket mortgage to go over options with them to refinance my home. The rep I spoke with went over various options with me and on XX/XX/XXXX told me that they could move forward but not with my husband on the application because he is self employed. Obviously this was not ideal. I told him then that I would like to pause the application for a couple of months and see if we could make some changes to make it so my husband could be on the loan. On XX/XX/XXXX at XXXX he responded and said that he completely understood and he would let his pricing team know and that when the time is right to please reach back out and they would be happy to help. On XX/XX/XXXX I received an email from an appraiser telling me that he was contacted by rocket mortgage to do an appraisal on my home. I told him that there must be some mistake and that I would not be needing this services because we had opted not to move forward. I again reached out to the rep I had been working with who stated that " yes I will check it out in the morning. I just received an email this afternoon about your good faith deposit being denied and that should have led to a pause in the process. I will talk to my director tomorrow and let him know. '' Luckily I had a feeling there would be issues and thankfully I had already pulled that money out of my account so they could not withdraw it just in case. The rep scheduled a call with me for XXXX on XX/XX/XXXX to follow up with me and assure me that everything was paused. A couple of minutes before our call on XX/XX/XXXX I received an alert on my credit that a hard pull had been completed. During our call the rep I had been working with assured me that it was done in error and that he would fix it. He said that he reached out to his manager and that they were removing it as an error and that it would take XXXX to XXXX days. Now today XX/XX/XXXX I get a call, email and a text message from a different rep with rocket mortgage asking me how things are going with my loan. I explained the above to him and he responds by telling me i need to call a client services number. I feel like I'm getting sent through an unending loop with this company just to fix their mistake. I never approved this hard credit pull. In fact I specifically asked multiple times for it not to happen. The company responded and tried to tell me that I did not withdraw my application until the XXXX. I have attached proof that is a lie. I would like this false information removed from my credit. This is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I am writing to file a formal complaint against Amegy Bank regarding their handling of my business credit card application. Despite initially approving my application for a {$25000.00} credit card, Amegy Bank rescinded their decision without providing any explanation. 

On XX/XX/year>, I submitted an application for the XXXX XXXX XXXXXXXX XXXX XXXX with Amegy Bank. After review, the bank approved my application and provided me with the necessary disclosures via XXXX, which I promptly signed. Additionally, I submitted my signature agreeing to the terms of the credit card, including a credit limit of XXXX. 

However, shortly after receiving approval, Amegy Bank unexpectedly rescinded their decision without offering any reasoning or explanation for their actions. Despite my repeated attempts to contact the lender to seek clarification and resolution, I have received no response, leaving me with no choice but to escalate this matter further. 

I maintain an exceptional personal credit profile, with credit scores ranging between XXXX and no derogatory items on my record. Furthermore, I have responsibly managed multiple credit accounts over the years, ensuring timely payments and never exceeding credit limits. My track record demonstrates my financial responsibility and ability to manage credit effectively. 

In addition to my personal creditworthiness, I operate a successful business with a robust financial standing. My business credit profile reflects a strong score of XXXX out of XXXX, with credit lines as high as XXXX and a history of prudent financial management. Furthermore, my personal bank account boasts a substantial balance in the XXXX figures, underscoring my financial stability and capacity to meet credit obligations. 

Given my comprehensive financial standing, I find it difficult to comprehend the rationale behind Amegy Bank 's sudden reversal of their decision to approve my credit card application. I can not help but wonder if these denials may be rooted in discrimination which raises concerns about compliance with the Equal Credit Opportunity Act ( ECOA ). I am eager to address any concerns or discrepancies that may have led to this outcome and am committed to resolving this matter amicably. 

To facilitate further discussion and provide additional documentation, I have attached copies of my business credit report, certificate of filing, EIN, and the signed agreement for your review. I kindly request that the Consumer Financial Protection Bureau examine my application in light of the information provided and intervene on my behalf to ensure fair treatment. 

Thank you for your attention to this matter. I appreciate your prompt response and look forward to the opportunity to address this issue collaboratively.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am deeply disappointed by the lack of response from LexisNexis regarding my request for my credit report. Despite my efforts to mail my request to both LexisNexis XXXX XXXX XXXX XXXX and LexisNexis XXXX XXXX, I have not received any acknowledgment or assistance. It's frustrating to feel ignored, especially when attempting to address important financial matters. Unfortunately, I am unable to afford tracking services to ensure the delivery of my request. I am reaching out desperately for assistance in obtaining my credit report as it is crucial for my financial planning and security. Any help in expediting this process would be greatly appreciated. Thank you for your understanding and support in this urgent matter. he specific law that grants consumers the right to obtain a free copy of their credit report is the Fair Credit Reporting Act ( FCRA ). Under Section 612 ( a ) of the FCRA, consumers are entitled to request and receive a free copy of their credit report from each of the XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ) once every XXXX months. This provision ensures that consumers have access to their credit information and can review it for accuracy and completeness. Additionally, the FCRA outlines procedures for disputing inaccuracies on credit reports and requires credit reporting agencies to investigate consumer disputes in a timely manner. Overall, the FCRA aims to promote fair and accurate credit reporting practices and protect consumers ' rights in the credit reporting process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/year>, I wrote a dispute letter to Transunion to have a XXXX XXXX XXXX XXXX account removed from my credit report. When I received the results, the account was not even mentioned. This means that there was no investigation done and the account remains on my credit report. I do not understand why the account is still on my credit report as the account does not belong to me. Transunion is breaking the Fair Credit Reporting Act and the account must be removed.

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 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: IL

Complaint narrative:
I attempted to re-access my credit card information ( XXXX or XXXX time in XXXX years ) and the new requirement for " creating '' the account by ELAN Financial Services is the last XXXX digits of the social security number. Knowing well the amount of identify fraud taking place and the very lackadaisical use social security numbers by all sorts of business establishments, I have established a policy of not providing my ss # over the phone or online. 

ELAN Finanical Services, which has contracted with XXXX XXXX XXXX to manage its XXXX XXXX XXXX XXXX, refuses to provide any other way for me to access my credit card information online. The company stands firm on requiring me to enter my social security number into an online " authentication system '' if I want to access credit card information and the XXXX XXXX XXXX XXXX online. 

There is far to much use of social security numbers outside of appropriate use by employers, tax reporters and federal, state and local administrative organizations. The social security numbers were not created as national identifier numbers and their use needs to be restricted to those uses as established by the federal government.

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 2024-04-18 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.

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 2024-04-18 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: GA

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-04-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTON 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD/ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 
PAYMENTS HAVE NEVER BEEN LATE. PLEASE UPDATE REPORTS TO SHOW XXXX XXXX ON TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
Fortiva/XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Reporting account closed when the account is open and current and is being paid monthly ; they have failed to report any payments made this year. Therefore, this is inaccurate and must be removed according to 15 USC 1681.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: UT

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

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