vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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 am writing to inform you that I am a victim of a data breach, and fraudulent inquiries have been added to my credit file as a result. I request that all accounts and inquiries listed below be blocked and deleted from my credit report as required under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Inquiries to Be Blocked and Deleted : 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 2024-11-27 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: Incomm Holdings Inc.
State: MN

Complaint narrative:
( Writing in regards to Vanilla Card dispute XXXX ) I purchased a {$50.00} card for my niece for her XXXX birthday in XXXX of XXXX in XXXX XXXX. This XXXX girl was homeless and it was wonderful to be able to provide a little XXXX for her. She asked a friend for a ride and was taken to the store to get a few personal items and when she went to go pay, she was told that there was no money on the card. Needless to say, she was absolutely devastated. When I saw her in XXXX of XXXX, she told me what had happened and her dad said she stood at the store crying. When she came to my house, I got the card from her and contacted customer service and was told that the card had been spent XX/XX/XXXX of XXXX at a flower shop somewhere in California. My niece had not even received her gift card yet, as it was still in her birthday card at my house. Obviously, she did not buy any flowers in another state and so I filed a dispute with Vanilla Card and basically was told too bad, you just got screwed out of {$50.00}. Now ( Several months after ) I still have no resolution, nor do I have my money and she never got to use the gift card. According to the Card Payments Network, they only allow recovery efforts to be submitted within 60 days of the date the transaction cleared the account, in our case the transaction settled on XX/XX/XXXX. My niece didn't even try to use the card for a few months after, when she was able to secure a ride, so we had no way of knowing that there was an issue with the card until after the 60 day window had already closed so our claim is considered outside of this timeframe. Unfortunately, according to them, we have no rights of recovery. They issued a refund for the balance left on the card, but there wasnt one. This is just wrong on so many levels. I will NEVER get another Vanilla Card, and I will spend the rest of my life sharing my bad experience trying to get my lousy {$50.00} back that would have meant so much to that poor girl.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CO

Complaint narrative:
On XX/XX/year> Gemini Trust Company , LLC ( gemini.com ) transferred {$5000.00} from my bank account to my Gemini account without my authorization. I found out about this via a phone call from someone claiming to be from Gemini. They stated that someone transferred {$50000.00} from my bank. I tried to log into my Gemini account, but could not remember my password. I requested a password change which should send me an email. I did not receive an email. I always check the spam folder. The person on the phone sent a link to my phone asking me to enter my seed phrase/private key. This indicated to me that this was a scam, so I hung up. I checked my bank and {$5000.00} had been transferred. I was able to remember my password, so I logged in and locked my account and changed my password. I am trying to withdrawal my funds. The site says my account is locked and to click the link to start the process of unlocking my account. This should email me a help ticket number. It does not. Again, also not in spam folder. I've tried this at least 5 times. I did connect to a help agent ( XXXX XXXX ). It attempted to email me, which didn't work. I provided a different email, I have not had any other contact from Gemini. No one else has my password. I have XXXX. I checked with my cell provider, this was not a sim attack. I can only conclude that a Gemini employee transferred my money. Especially since they have shown no interest in helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
the company who already has an investigation and suit against them by your office is XXXX  XXXX XXXX the original establishment was XXXX XXXX in XXXX area of XXXX *not sure if its related to the one in XXXX XXXX 
Owner/Manager of the jewelry store is looking into it ... the only purchase ever made there by a credit card in my name XXXXwhich still may be fraud was a purchase of a ring for {$240.00} paid with a XXXX  debit card ... ... now the debt which Midland XXXXXXXX XXXX XXXXy ( a debt collector for XXXX XXXX XXXX ) says I owe is {$2900.00} and are offering a settlement at 10 % off. The ring was purchased in 2018 for a total of {$240.00} Nothing was ever financed - I would not pay that much for a ring even if I wanted one and the paperwork which one would have to sign off is such that they would have checked ID and it would be several pages long. I would remember enterering into such an agreement .....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: EQUIFAX, INC.
State: FL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft as a result of a data breach. 
Fraudulent accounts and unauthorized inquiries have been added to my credit file without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Self Financial Inc.
State: MI

Complaint narrative:
My self credit card was shut off due to suspicious activity on my account in XX/XX/year>. On XX/XX/year>XXXX  I emailed self to request a new card. No response. I attempted to call the company with no help. On XX/XX/year>XXXX  I once again emailed the company to request a new card with no response. On XX/XX/year> I called the company numerous times to attempt to resolve my issue. The first 2 attempts they disconnected me. The 3rd attempt I talked to XXXX  she said they were going through a systems update I had the wrong department and needed to call back. I told her that their automatic service was transferring me and would not let me talk to any other department. I asked her to transfer me to the correct department she told me she was unable to and I needed to call back. I once again waited then got XXXX who also told me he was unable to help me due to a systems update issue. I asked to speak to a manager. He put me on hold came back on the line and told me that no manager was available to assist me. I needed to call back. I have attempted for over 5 months to get a new card issued on my account that is prepaid and I have no access to. I am requesting assistance from CFPB to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: SC

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I deposited a check of {$180000.00} into my chase checking account. This check was for proceeds for a real estate transaction. Chase placed a hold onto the check. I called chase 's hold team, who initially informed me that they needed verification from the issuing bank that the funds were valid and that the check would clear. The representative told me he called the issuing bank ( XXXX  ) and that they could not provide this information without the permission of the account holder and that I should contact the account holder to obtain such permission. 

I did so, and obtained proof in writing from the issuing bank that the funds had cleared and were fully unencumbered to Chase. I called back the Chase hold line, and was told by a representative that the hold would be enforced until 7 business days. I asked why she was providing me information contrary to the first representative I spoke with. Her reason provided was that the check may not have cleared or may be returned. I informed her that I had proof the check had cleared and that the funds were present in the account, and she said that Chase would not remove the hold regardless as they have a legal right to hold for seven days even with proof that the check has cleared and that the funds are unencumbered. I pointed out that Chase was profiting off interest from the large amount in this interim time and provided information as to my need for the funds before the end of the month. She stated that Chase has the right to make money in any way from their customers and that she was unable to help me. 

I asked to speak with a manager, XXXX, who refused to provide any additional identifying information such an an employee identifier. She stated the same explanation as the prior representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-27 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-27 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3800.00} XX/XX/year>XXXX  15 U.S.C , 1681section 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 an 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 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 2024-11-27 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:
" 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 2024-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to request the removal authorized hard inquiries from several different companies My latest credit report shows on XX/XX/year> Capital one Auto FIN, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I am trying to sign up for the Avant credit card civil suit amd get some money reimbursed and my credit report fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
I am disputing unvalidated late payments on my credit report. Despite my written dispute over 30 days ago, you have failed to respond or provide the required validation, which constitutes a direct violation of the Fair Credit Reporting Act. You must immediately remove these disputed late payments from my consumer 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 2024-11-27 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: PA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief