vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 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: Experian Information Solutions Inc.
State: NC

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. 

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 15 U.S.C. 1681 Sec. 602 states I have the right to privacy 15 U.S.C. 1681 Section 604A states a consumer reporting agency can not furnish an account without my written permission 15 U.S.C. 1681 ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than 7 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 explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
I have tried multiple times over the past several months to check the balance on some Vanilla ( XXXX ) Visa gift cards. These cards have been activated, have a PIN assigned and were able to make a purchase with previously. I know they work. The issue is the ability to check the balance on their website ( XXXX  ) NEVER works. ** I am not the only person who has this issue ** if you search online others have the same problem, Unable to get balance information and get a error on the website after putting in all the information on the card and correctly completing the XXXX XXXX an error pops up and no information on the balance remaining is provided. 
I have tried checking the balance * With an up to date I pad with up to date XXXX XXXX and it will not work. **I have tried a Up to date XXXX XXXX computer with XXXX and it will not work. *** I have tried on my phone ( XXXX ) with XXXX and it will not work **** I have tried on a XXXX XXXX using XXXX ( all updated ) and it will not work. I have tried on another XXXX XXXX with their browser XXXX and it will not work. ***** I have tried using a different IP address and it will not work. I have to wonder if it is deliberate so you have to get an username and password for them to collect more data from you ( email marketing ) or if they are running a scam to keep the remainder on the gift cards. There is NO reason why imputing a CC # with the correct Expiry date and XXXX digit security code after completing a captcha correctly for the system not to give the remanding balance. Try calling. They will not assist you without you having to give a name. I argued with them for several minutes. I would not be transferred to a supervisor unless I gave them a name. Why are consumers unable to easily check the balance on a giftcard they purchased without having to provide more personal information like a phone number, name, or email address?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Over the course of the past 2 years, I have been diligently recovering from identity theft by removing fraudulent information from my credit reports. 
XXXX respected my rights under the FCRA and removed the fraudulent accounts, inquiries, and information but Equifax and XXXX refused to and continue to further violate me and my rights. 

I am a victim of identity theft and have supplied my FTC and APPROVED police reports countless times. 
The only correspondence I have received was that " my signature was on documents so therefore its validated '' but this is frivolous because my information was fraudulently used. 

I am now left with no choice but to file this complaint and consider seeking litigation from both of these bureaus. 

I have attached my police report and dispute letters that I have sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Adler Wallach & Associates, Inc.
State: MO

Complaint narrative:
AWA collections is reporting a collection account on all my credit files that is not mine and is inaccurate. I sent a dispute letter asking for validation information and they did not respond. When I called they said I owe for changing insurance companies which is my right to do as I was not under any contract of any kind and not obligated to stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: Bridgecrest Acceptance Corporation
State: GA

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.XXXX # XXXX, has violated my rights.

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

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
This is not a duplicate compliant. I am asking Navient to issue a " Navient School Misconduct Discharge Application '' for a predatory private loan from predatory for-profit school XXXX XXXX XXXX XXXX 
I contacted Navient directly but was told my loan wasn't eligible for this type of discharge. I believe it is and my private and my other loans for this school are eligible for discharge based on the " Holder Rule '', allowing consumers to stop paying on the loan and possibly obtain a refund of any payments made on the loan if a product or service is defective or not provided. I received XXXX XXXX from this school and my diploma is considered XXXXXXXX by potential employers. I was charged an excessive and abnormal amount of money with excessive interest for this low quality education. I am currently paying {$270.00} a month that is only going toward interest on this predatory private loan. The loan balance is still rising despite this monthly payment and is affecting my credit score negatively. I have paid over {$40000.00} on this loan both in interest and principal. Navient will not work with me on lowering the interest and getting the principal paid down. The interest rate is variable 13.2 %. Original principal {$23000.00} with current {$12000.00} payoff. I need this application in order to apply for the discharge and refund I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: TX

Complaint narrative:
I have concerns and issues on my credit report that needs to be addressed, this complaint is not a mistake or sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting my life and my credit score negatively.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
someone applied for a credit card in my name which I've never received never lived at the address it was sent to.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my mental health.

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 2024-06-27 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: NY

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX PL XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint : In accordance with the Fair Credit Reporting Act, I am writing to address several issues concerning the accuracy of information on my credit report. The following accounts have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts in Question : XXXX XXXX Account Number : XXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

XXXXXXXX XXXX Account Number : XXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

DEPARTMENT OF ED/XXXX Account Numbers : XXXX XXXX ( two entries ) XXXX ( duplicate entry ) Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 
Legal Basis for Complaint : 15 USC 1681 Section 602A : Protects my right to privacy.

15 USC 1681 Section 604 ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : No consumer reporting agency may include adverse items of information that are over seven years old, except records of convictions of crimes.

15 USC 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.

15 USC 1681i ( 5 ) : Requires the treatment of inaccurate or unverifiable information by deleting or modifying the item and notifying the furnisher of the information.

15 USC 1681s-2 : Prohibits furnishing 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. 

Resolution Sought : I request that you reinvestigate the completeness of every piece of information related to the aforementioned accounts. If any information is found to be inaccurate, I request its immediate removal from my credit report. Please ensure compliance with the outlined sections of the Fair Credit Reporting Act and notify me of the actions taken to rectify these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca 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 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Kindly take the time to thoroughly review the attached documents. It's important to carefully examine these materials to ensure a comprehensive understanding of the information provided. Your attention to this matter is greatly appreciated.

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 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently found out my information was used on the dark web and my phone was missing ans stolen and many transactions were made through the year and I made reports and disputes and well Fargo discriminated me and I felt like cause I was " XXXX '' they said they had to cut ties and they dis not credit me or help disputes the charges made against me. I spoke to their superiors and they also were following the notes in their system that I was having my account closed for they claim that it was my protection and theirs when my phone card and wallet, mobile app was being used. I tried to argue and fight to keep my account but they determined that it was the best thing they can do for me for now.

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 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Called today to try and get my over payment allocated to my balance transfer instead of the promotional balance. They told me no. I asked if I can make a payment directly to the balance transfer. They said Im not allowed to and Id have to pay off both entirely with the interest accrued. This is a deceptive business practice. I would not have done a balance transfer if I had known 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 explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have about $ XXXX missing from my accounts and I can not get bank of america to respond in any formal way

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 2024-06-27 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: CA

Complaint narrative:
It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.

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 2024-06-27 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: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-06-27 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: FL

Complaint narrative:
I am heavily frustrated and deeply disappointed. There are information that are false and not assured to be the maximum possible accuracy on my credit report and I'm being consistently ignored on my requests to correct these inaccuracies.

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 2024-06-27 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: DISCOVER BANK
State: FL

Complaint narrative:
As of today XX/XX/2024 My XXXX credit report is not reporting the following tradelines : Discover, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of my positive history and on time payments that are not reporting are making it difficult for me to apply and/or be approve for extension of credit from other lenders.

Company response to consumer: Closed with non-monetary relief