vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: MN

Complaint narrative:
I tried activating a NetSpend card and they said there is a problem because I already have a NetSpend card and I don't know the correct security questions the answers to them I don't know but it's under my social security number and it's causing a problem with closing that account and opening new ones that I actually applied for I would like that one that I didn't apply for to be close to transferred or searched into.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXXXXXX XXXX XXXXXXXX Balance : {$350.00}

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXXXXXX Balance : {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to renort Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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:
Consider this as my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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:
Consider this as my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Their are were fraud charges in my XXXX XXXX store credit card which Citibank manages Im a loyal customer for years and my wallet was stolen and my card was used without my knowledge consent I called them their fraud dept said they wish to send me a new card but they cant because its against their bank policy this is ridiculous they said XXXX closed my account due to non payment but I never used the card to make these purchases they said they wish to have this reversed but they cant since they were unaware of these charges being fraud they closed my account for it being delinquent and now want me to reapply this is not fair

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


Remove these items ASAP : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
XXXX is a new company that took over my current student loans from Navient. I have had several companies manage my loans since having my loans. I had a in school deferment as well as deferring my loans due to financial hardship. I have not been accommodated at all. XXXX continues to report failure to pay and late payments which has inaccurate. Due to XXXX reporting these items negatively on my credit report, my credit report is heavily affected which has been extremely detrimental to my livelihood. There are currently 16 accounts reporting late payments for 90 day past due for XXXX of XXXX. According to my school schedule for Fall XXXX, I was in school and a in school deferment was suppose to be applied. I contacted the previous company with this information several times. This is a weight on my shoulders and a cloud over my head for the past years. I have attempted to resolve this matter years in and years out. Furthermore, I have been informed different things each time I have spoken to the loan companies. Due to the constant change of management for my loans, how can I even expect for them to keep up with accuracy. I am really at my wits end and this is affecting me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
EQUIFAX TOOK THE FAX OPTION AWAY AND ARE TELLING CONSUMERS TO ONLY MAIL THEIR FRAUD DISPUTES. I HAVE MAILED SEVERAL FRAUD DISPUTES OVER A MONTH AGO SEVERAL TIMES AND THE MAILROOM IS NOT PROCESSING MY DISPUTES. I HAVE MAILED MY DISPUTE TO EQUIFAX INFORMATION SERVICES LLC PO BOX 740256 ATLANTA GA 30374 NUMEROUS OF TIMES AND THEY ARE NOT PICKING UP THE MAIL TO SORT THROUGH THE MAIL. I HAVE CALLED THE FRAUD DEPT SEVERAL TIMES AND THEY KEEP TELLING ME TO MAIL MY DISPUTE OVER AND OVER AGAIN! IF THE ONLY OPTION TO SEND A DISPUTE IS BY MAIL THEN THERE ARE GOING TO BE THOUSANDS OF LETTERS WORLDWIDE JUST SITTING AT THE PO BOX ADDRESS NOT BEING OPENED! I HAVE 2 FRAUD INQUIRIES THAT NEED TO BE REMOVED AND DELETED OFF OF MY CREDIT FILE.
THE FAX OPTION WAS EASY AND CONVENIENT NOW I HAVE TO MAIL DISPUTES THAT PROBABLY WANT EVER BE RECEIVED BY THE MAILROOM!  I AM ALSO ATTACHING MY FRAUD DISPUTE TO THIS COMPLAINT SO YOU CAN SEND IT TO THE MAILROOM SO THEY CAN PROCESS IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/2023 I transfer {$12000.00} from my crypto exchange company to my chase checking account. Everything seemed to have transferred properly. All I had to do was wait for the funds to be available in my chase checking account. But upon waiting I tried to log into my account on XX/XX/2023 at XXXX my account had been locked and the message read " We locked your account due to suspicious activity. Please call to resolve the issue. XXXX from XXXX to XXXX XXXX. Keep in mind : you won't be able to see your statements and notices online until we unlock your account. '' This really worried me because I thought maybe I had been hacked or something so I called right away! I spoke to one of the representatives from the chase customer protection team about the message I received. They verified my identity then the representative told me they will no longer have me as a client and my accounts are in the process of being closed. I was very confused and asked why they were closing my accounts. The representative refused to give me an explanation and said I would have to wait for a letter in the mail. This left me confused and frustrated because I have all my money in my chase checking account and they are prohibiting me from accessing my own money! The only way I can access these funds is through chase bank because is the only bank account linked to my crypto exchange company. Chase has given me XXXX to no explanation where it is or when I will be able to access it. This has been a very devastating process and I hoping you could help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
There false deceptive practices has continued Wakefield & Associates even gave me a fake address to mail my letter to. The post office told me the address does not exist. Wakefield & Associates , LLC agreed not to ever contact me as long as they are in business and agreed to pay me {$5.00} if they break that agreement ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... I want Wakefield & Associates , LLC to honor the agreement that they broke on ... ... ... ... .... 
XX/XX/2023 by contacting me again account # XXXX ... ... ... ... ... ... XXXX ... ... XXXX ... ... ... ... ... ... ... .. XXXX unfortunately you have broke the agreement contact me only thought CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent a letter on ( XX/XX/XXXX ) to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the bureaus are required to remove/block any inquiries or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent letters to Experian and XXXX about the wrong addresses reporting to my credit report. 

Experian is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
This company closed my account XX/XX/2022, Ive filed several complaints including one in XXXX for money they owe me- they stated they mailed me a check but did NOT!! Its been another 4 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation
State: NC

Complaint narrative:
These reports are incorrect. I have requested that the credit companies remove them but they have not. The dates are wrong, the accounts are wrong altogether. 
I have sent validation letters to all 3 bureaus. XX/XX/2023 I have disputed them multiple times, XX/XX/2023, XX/XX/2023, and XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation