vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 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: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
Subject : Complaint Against ChexSystems for Failure to Block and Delete Fraudulent Accounts and Inquiries Due to Identity Theft Complaint Details : I am a victim of identity theft as a result of the XXXX XXXX breach, which has led to unauthorized accounts and inquiries appearing on my ChexSystems report. Despite my formal written request to ChexSystems, under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), they have not taken action to block and delete the following fraudulent entries : 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  ) ChexSystems is legally required to block and delete these items upon notification of identity theft, yet their failure to act has exacerbated the harm caused by the data breach. This negligence violates my rights under the FCRA and leaves me vulnerable to further financial harm.

Resolution Requested : I request CFPBs assistance in compelling ChexSystems to : Promptly block and delete the above-listed fraudulent entries. 
Provide written confirmation of these actions. 
Ensure compliance with FCRA requirements for handling identity theft cases. 
Thank you for your prompt attention to this matter.

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 2024-12-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Awhile ago I received a letter ( 2 pages ) & ( 2 pages from New York Community Bancorp.INC. ) and also the Debit Card From CA middle Class Tax Refund Card XXXX XXXX XXXX, XXXX, XXXX XXXX I did everything as instructed, Activated the card, entered pin # but when I tried to use the card, it did not work. 
I called a few ph XXXX  XXXX that are on the info, no one answered XXXX this is for CA XXXX XXXX XXXX refund XXXX, New York Community Bancorp . Inc. the consumer privacy notice, no answer either I've a problem getting middle class tax refund, entered XXXX XXXX XXXXXXXX this web site asked me to enter ID, password, I did & took me to XXXX, the answer I got " website address does not exist or has been changed ''. 

I dont know what to do

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 2024-12-01 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: U.S. BANCORP
State: CO

Complaint narrative:
This is a follow-up to complaint number XXXX. The company responded to that complaint by sending a new gift card ( this is the XXXX card ) which also does not work. The card can not be activated for use on either the company 's automated voice line or their website. A call to an agent of the company earlier today was not fruitful. The agent claims to have opened a ticket to address the issue but is unable or unwilling to provide a ticket number. The agent was also unable to activate the card and unable to transfer me to a person who could assist with activating the card. The agent 's suggestion was for me to call back again in XXXX business days. I suspect this return call will be unproductive given that there is not a ticket number to reference. 

It is becoming clear that, after XXXX unusable cards, this company has no intention to resolve this issue. I'm a XXXX XXXX with a lot of time to pursue this matter in a number of ways but would prefer to receive XXXX from this company without any additional hassle or delays.

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 2024-12-01 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has been a victim a of identity theft and this needs to be deleted/ blocked immediately. I have enclosed proof of identity, a letter requesting this be blocked/ deleted, FTC Report Number : XXXX and a copy of fcra XXXX you are required to delete/ block this from my report within 4 days of recieving this

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 2024-12-01 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: MS

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information talent manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my nights. I am demanding a deletion of the following account. 
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 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX is claiming that I owe them {$710.00} and I would like a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I moved out of this apartment in XX/XX/XXXX, I was told by the management that I would receive an email with instructions on how to pay what I owed. In XX/XX/XXXX. I received a call from someone claiming they were with management & that I owed {$13000.00} because they could not rent the apartment since XXXX. This complex showed online that they were 95 % full and that this apartment was rented from XX/XX/XXXX until XX/XX/XXXX. I requested proof of this balance I owed & I was sent an email from the corporate office of the management company telling me the amount I owed with NO invoice. I request an invoice and proof that the apartment sat empty & unrentable from XX/XX/XXXX to when I was contacted in XX/XX/XXXX. I was told that was not possible and to pay the amount. The day after I received said email this debt showed up on my credit report from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: FL

Complaint narrative:
Ive recently checked my credit report and Ive noticed some inaccurate personal information reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I been banking with Chime for about three months. Everything was fine until my direct deposit was late and they took money away from me, denied my claims of disputes and never activated XXXX  feature, despite paying off my balance and having the requirements for XXXX feature. Next thing I know I threaten chime that I won't be using these features and I wake up the next day with an email saying that Chime closed my account. I had a bunch of refunds in the process and direct deposit but now it's all lost. I know for a fact it was a XXXX who banned me because I did not violate any policy. Not only did Chime took my {$150.00}, they failed to act upon their own policy. It states that a requirement of {$200.00} was required. I have them {$760.00} direct deposit and they took the {$150.00} and never activated XXXX feature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NC

Complaint narrative:
In XXXX a call was made to XXXX requiring about the payment due. The call was recorded and the representative stated the amount due to be paid. Payment was made. The payment wasnt the correct amount told by representative resulting in a 30 day late payment on the credit file. In XXXX payment was made like several other times through the automatic system. The system processed the wrong bank account. Instead of the XXXX bank accounts payment processed through just the XXXX account with the same bank. This resulted in a late payment in XXXX. The company has been notified by this several times. Several disputes has been made to the credit bureau to fix the error. The wrong account being processed as resulted in several NSF fees being charged from the finance company and XXXX XXXX. No funds had been refunded from the finance company side. This issue has caused my XXXX XXXX to drop XXXX points on XX/XX/XXXX. 

I was also told its a 10 day grace period on late payments for NC and payment must be made before XXXX XXXX  to process the same day. My payment was made and if it was processed correctly in with the correct XXXX bank accounts the payment wouldnt have returned. Therefore causing an 30 day late payment. Also causing other problems with my bank account multiple times.

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 2024-12-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XXXX a call was made to XXXX requiring about the payment due. The call was recorded and the representative stated the amount due to be paid. Payment was made. The payment wasnt the correct amount told by representative resulting in a 30 day late payment on the credit file. In XXXX payment was made like several other times through the automatic system. The system processed the wrong bank account. Instead of the XXXX bank accounts payment processed through just the XXXX account with the same bank. This resulted in a late payment in XXXX. The company has been notified by this several times. Several disputes has been made to the credit bureau to fix the error. The wrong account being processed as resulted in several NSF fees being charged from the finance company and XXXX XXXX. No funds had been refunded from the finance company side. This issue has caused my XXXX XXXX to drop XXXX points on XX/XX/XXXX. 

I was also told its a 10 day grace period on late payments for NC and payment must be made before XXXX XXXX  to process the same day. My payment was made and if it was processed correctly in with the correct XXXX bank accounts the payment wouldnt have returned. Therefore causing an 30 day late payment. Also causing other problems with my bank account multiple times.

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 2024-12-01 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: IN

Complaint narrative:
Dear Equifax, I am writing to address a concerning discrepancy in my credit report. Upon reviewing my credit report, I was dismayed to find that a few items that had previously been removed by two other credit reporting agencies has been re-verified by your agency. This has raised serious concerns for me, as the other agencies concluded that the item was unverified and subsequently deleted it from my credit report.

It is important to note that this item in question is a result of identity theft, which has caused significant distress and harm to my mental, emotional, and physical well-being. I find it deeply troubling that despite the clear evidence of fraudulent activity associated with this debt, your agency has chosen to not adhere to the regulations that mandate the validation of such debts. I must emphasize that the inaccuracies in my credit report are not only detrimental to my financial standing but also tarnish my reputation and creditworthiness. I urge you to promptly rectify this iss
ue and ensure that the erroneous item is removed from my credit report in accordance with the Fair Credit Reporting Act. I kindly request that you conduct a thorough investigation into this matter and provide me with a detailed explanation as to why the item has been re-verified despite the lack of validation from other reporting agencies. It is imperative that this issue be resolved expeditiously to prevent further harm to my
credit profile.

I appreciate your prompt attention to this matter and expect a swift resolution to restore the accuracy of my credit report. Please feel free to contact me at your earliest convenience to discuss this further. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I disputed these transactions with LVNV Funding as I dont have a signed contract with them or have I ever. I requested proof of my signature on a contract with them and they did not provide me with anything. They removed only from XXXX credit bureau not all XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Over the past XXXX weeks, I have attempted to access my credit file and score due to a drop in my score from XXXX last XXXX to approximately XXXX now. I've been addressing errors and undertaking general credit repair. TransUnion has denied access to my credit file and score during this period, citing system errors/issues, and most recently, a lock on my credit file with a specific code due to missing files. I've requested corrections since XXXX or XXXX of this year to challenge the accuracy of my file and the legality of some reported items. I've also asked for accurate reporting of my address, phone number, and employment, with the removal of all others, along with other FCRA-related items to rectify the sudden issues with my credit file. Despite resetting my password, I now face difficulties accessing my credit file at will. I suspect TransUnion is deliberately preventing access to my credit report, which I believe is a breach of the FCRA and other laws.

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 2024-12-01 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: GA

Complaint narrative:
SEVERAL ACCOUNTS THAT ARE ON MY REPORTS THAT ARE FRADULENT

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 2024-12-01 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: GA

Complaint narrative:
SEVERAL ACCOUNTS THAT ARE ON MY REPORTS THAT ARE FRADULENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: MI

Complaint narrative:
This information has been put on my credit report bringing my score down

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. XXXX and remove it. 
XXXXXXXX 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 XXXXXX/XX/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 2024-12-01 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: GA

Complaint narrative:
This charge-off has exceeded 180 days, and the account has been finalized and closed. Under federal guidelines, creditors must either write off or resolve such accounts after 180 days of delinquency. As the account is no longer active and should not reflect as open, I am requesting a review and removal of this charge-off 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 explanation
Consumer complaint received 2024-12-01 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:
This charge-off has exceeded 180 days, and the account has been finalized and closed. Under federal guidelines, creditors must either write off or resolve such accounts after 180 days of delinquency. As the account is no longer active and should not reflect as open, I am requesting a review and removal of this charge-off from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: GA

Complaint narrative:
This charge-off has exceeded 180 days, and the account has been finalized and closed. Under federal guidelines, creditors must either write off or resolve such accounts after 180 days of delinquency. As the account is no longer active and should not reflect as open, I am requesting a review and removal of this charge-off 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 explanation
Consumer complaint received 2024-12-01 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: MI

Complaint narrative:
I looked at my report on XXXX XXXX, XXXX  and noticed some things are incomplete and inaccurate and according to Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to ensure maximum possible accuracy about the information concerning the individual about whom the report relates. These accounts are not complete and accurate : 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 XXXXXXXX } Open date is not accurate, reporting date is not accurate, date of last payment is not accurate. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX } XXXX date is not accurate, reporting date is not accurate, balance is not accurate. 


XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX } XXXX date is not accurate, reporting date is not accurate. 

XXXX XXXX  - Account # XXXX XXXX XXXX XXXX } XXXX date is not accurate, reporting date is not accurate, date of last payment is not accurate and balance is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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:
SEVERAL ACCOUNTS THAT ARE ON MY REPORTS THAT ARE FRADULENT

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