vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: WA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-13 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: WA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-13 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: Clark County Collection Service
State: NV

Complaint narrative:
CLARK COUNTY COLLECTION : This creditor is reporting an sold collection and despite disputing will not remove. I've mentioned several FCRA violations to the company and despite that continues to report on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Was involved in data breach the following inquiries are not mine. 
XXXX 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 XXXX XXXX XXXXXXXX

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 2024-05-13 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: AL

Complaint narrative:
I've reached out to the bureaus XXXX XXXX XXXX XXXX XXXX trying to update my information because it was some fake SSN and fake names on my report along with addresses XXXX refuse to correct my information. on XX/XX/XXXX I sent certified mail to the company and bureau pertaining to the alleged accounts in the amount of {$1200.00} and an account that the original balance was {$8300.00} but has been written off and sold for {$7900.00} I then asked for their right of ownership, the original contract the validity of the debt. and I received no information after 30 days. I had to call in they stated they sent it to email, and I searched and never found it. I requested that all results be sent to me through mail. In the letter I also included a copy of my credit report with the inaccuracies highlighted and stated that according to the FCRA that their job is to report 100 % accuracy & 1692g they're suppose to provide the information requested for the validity and they just sent it back as verified with no removal or updated information which violated the federal law. Also spoke with a representative on XX/XX/XXXX I want to say, he stated that he seen the inaccuracies I mention as we discussed it verbatim on the call and stated he can submit another dispute for me on their end. I asked him " so if you see the inaccuracies then why are y'all willing reporting it to my credit ''. He then stated " well it falls of in XXXX anyways ''. So, to know they are willingly and purposefully reporting that damage on my credit & defaming my character. Also prevented me from being able to buy my house and obtain funding.

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 2024-05-13 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: OH

Complaint narrative:
I have 2 prepaid Vanilla Gift Cards in the amount of {$20.00} each. 
These were originally {$100.00} each. {$80.00} per card was used at XXXX XXXX XXXX XXXX XXXX 
There is a {$20.00} balance left on each card. 
I checked the balances at vanillagift.com and they both show remaining balances of {$20.00}. 
I have screenshots. See attached. 
I have tried to use these cards online at XXXXXXXX XXXX  and XXXX. I am sure I tried them elsewhere, but those are the three that I recall. Local business will not even run them because they are " troublesome ''. I also tried to add them to my XXXX XXXX but they were declined. Most commonly the error I get is that there is an issue with the security code. 
I have spent hours and hours trying to get these to work but have had no success at all. 
" Customer service '' is useless. 
This complaint is for card XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I reached out to Experian to dispute the reporting of wrong Social Security numbers, wrong addresses and incorrect spelling of my name and they opened a dispute and turned around not even 24 hrs and messaged me back about dispute being resolved but nothing was resolved.

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 2024-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union is not allowing me to withdraw my XXXX XXXX XXXXXXXX money. I lost all my identification and NFCU would not issue me an ATM card and allow me to reset all my identifiable information. Also they barred me from their facilities due to loitering and communication with anyone regarding my accounts even via phone. My mother attempted lots of avenues to get my money and everything was denied. Also my mother sent a letter dated XX/XX/XXXX on my behalf requesting to close-out my account and mail me my money, as of yet I havent received a response. Recently, my mother contacted the Navy Federal Credit Union with general questions about anyones accounts relating to my issue and the person was very helpful. Therefore, I sent a certified letter dated XX/XX/XXXX to the Close-Accounts section at the Headquarters, Navy Federal Credit Union XXXX XXXX close-out all my accounts and mail my money to my current address. I currently have {$4300.00} in my savings account and {$93.00} in my checking account. I am diagnosed with XXXX XXXX XXXXXXXX symptoms and on medication. During the time this situation occurred I became XXXX for XXXX year because I stop taking my medications. My parents did their best to help me and my mother advocates for me. I dont understand how a financial institution can hold someones money and this was my only income along with me experiencing an illness. Thank you for any help you can give me to resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am being called CONSTANTLY by this company despite requesting them to STOP. I have screenshots if need for evidentiary support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I sent certified mail on XX/XX/year> to XXXX XXXX XXXX XXXX XXXX Delaware XXXX it was received by XXXX XXXX and I haven't received any return information from them. I also disputed on my consumer report and it's coming back verified with no correct information. Transworld is not able to collect in Texas jurisdiction. I provided proof

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
These inquiries were unauthorized and I am a victim of identity theft JPMCB Card XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
CAPITAL ONE-ALL : This is a credit card that I once had, closed the account and paid the balance, yet the creditor continues to report misinformation about the account to the credit bureau 's and significantly impacts my score each time. This creditor broke my final payment so that they could report negatively on my credit report, and reporting an incorrect balance and close date. 
ADDITIONAL COMMENTS They literally just proved the mal-practice with the letter attached. I paid the entire balance off completely on a closed account. After a final payment on a closed account, a XXXX XXXX  after to alter my credit profile and extend reporting of incorrect information is a direct violation of FCRA laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-13 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had bank of America joint account from XXXX to XXXX and I deposited XXXX in account and bank of America transfered all money to somebody s single account without asking me and joint account holder not giving me money and bank of America not giving me joint account records statements I want to know what happened to my account .did bank of America took all my money.so I want my joint account records and will pay fees to bank of America for job to get my records

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: IN

Complaint narrative:
Lexis nexis did not remove the unverifiable Bankruptcy from my Consumer report nor did they provide me with an updated report showing the changes to my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: NC

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX received mailer for XXXX Ahead Savings account via email to receive XXXX bonus miles if XXXX was deposited. 
XX/XX/XXXX signed up and received confirmation that I was enrolled and if deposited funds that I would receive miles within 90 days. 
XX/XX/XXXX chatted and was told that I successfully qualified for offer as of XX/XX/XXXX and to wait until end of month for miles to be credited. 
XX/XX/XXXX chatted and was told they would open an investigation into the miles XX/XX/XXXX received a denial of miles to be credited as I wasn't part of the promo XX/XX/XXXX called and they stated I did qualify and would submit another review as the original one did not have all the information added. 
XX/XX/XXXX received a denial of miles to be credited as I wasn't part of the promo XX/XX/XXXX called and spoke with a supervisor who read off the letter and stated that even if I received an email of the promo and received confirmation email from the company that I did not qualify because I must not have clicked the right link to set it up. 

Their denial letter states to send them information of the promo code but doesn't tell you how to do that - there are no directions to provide. I had to get on X and chat with a representative to get the email address. I set up a conference with a banker for XX/XX/XXXX at XXXX am and received confirmation of the appointment but they never called.

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 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My credit score was XXXX and then I got a alert saying that XXXX points drop off my credit score cause a inquiry was on my credit score cause a account was placed on XX/XX/year> that I had a account open for capital one for a credit card that I never received or signed up for so I called Capital One and they said they would cancel it out and to let XXXX bureau to know that there was a fraud report and that they capital one is going to cancel the card and account so I called XXXX bureau and they told me to make a report on www.ftc.gov and here I am making a report to get my points back on my credit score please and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: VA

Complaint narrative:
I have the right to privacy consumer law codes 15 USC 1681, 15 USC 1692, and 15 USC 6801. My private information is my business. My student loans are my private information. XXXX has reported my private information without my consent. XXXXXXXX XXXX  actions amount to aggravated identity theft consumer law code 15 USC 1028 ( A ). As a consumer you have the right to protect my personal non public information. 15 USC 6801 - Protection of Non-public Personal Information.

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