vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX I was sent a collections letter from Credit Control LLC stating I owed over {$10000.00} to XXXX XXXX XXXX  for a credit card opened in XXXX XXXX XXXX I immediately sent a debt verification letter and requested several documents including original signatures be sent to me. The only information provided was a statement of charges. Someone in Delaware opened a business account in my name and charged over {$10000.00} in California and Massachusetts. I do not live in any of these states. It was also opened in a surname I have not gone by in XXXX  years! I have evidence to support my whereabouts on these dates as well. I followed the guidelines on the FTC identity theft website and have been denied by XXXX XXXX XXXX because I can not provide them with the articles of the business. I can not provide something I do not have! I was also informed the thief opened XXXX additional accounts in my name including a checking account which they still can not provide me with a signature or the employee who opened this account.I have also never received anything from XXXX  XXXX XXXX saying I owed them anything when these accounts defaulted. They will also not provide me with information or what is charged on the other XXXX accounts. It is clear that I am a victim of identity theft.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: PA

Complaint narrative:
I have Fraudulent inquiries on my credit profile that I did not authorize

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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I made XXXX purchases for security cameras from XXXX : XX/XX/24 for {$430.00} XX/XX/24 for {$430.00} I returned these cameras because they were obviously used. Initially XXXX was not issuing a credit, despite my attempts to resolve the issue with them. Next I disputed these transactions with my credit card company ( Barclays ). XXXX issued a credit for the XX/XX/24 purchase on XX/XX/24. They did not issue a credit for the XX/XX/24 purchase. 

On XX/XX/24 I received an email from XXXX stating they would tell Barclays to resolve the chargeback for the XX/XX/24 purchase in my favor. Instead Barclays decided that case in XXXXXXXX XXXX favor, and refused to issue the credit. XXXX will not issue a credit, because they honored the chargeback, and told Barclays to resolve it in my favor. 

Instead Barclays decided it in XXXXXXXX XXXX favor. So I am not getting the credit, in spite of XXXX agreeing I am entitled to XXXX. I have spent hours on the phone with Barclays to get them to issue the credit on the chargeback. The representative had me on a XXXX way call with XXXX, asking XXXX to issue a credit. XXXX told her they honored the chargeback, so they will not issue a credit. The credit has to come from Barclays. 

I have asked multiple times to speak with a supervisor. That request was denied. They claim they will have a supervisor call me back. They either don't call, or they aren't there when I answer the phone ( on the XXXX phone call I received from them ). 

As I am writing this I am on hold with Barclays to get this resolved. FINALLY I got a supervisor. She has promised me the credit. With the run around and incompetence I have endured, I am not confident that I will get the credit. This has been promised to me multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: MA

Complaint narrative:
Mortgage account is current and all payments have been made within 30 days. 
Account status as ( incorrectly ) reported to all XXXX credit agencies is " delinquent '' and there are 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) which are incorrectly reported as over 30 days late. 
Payments on this account have never been more than 30 days late ( as demonstrated by attachment to this complaint. ) Status of account is reported incorrectly and previous months ' status is also reported incorrectly. I have filed a notice of error with my mortgage company and have initiated a credit dispute with all XXXX credit agencies.

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 2024-03-06 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:
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 2024-03-06 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: CA

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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
In XXXX of XXXX  I suffered a XXXX  injury and has XXXX XX/XX/XXXX. The XXXX had some issues and I can not effectively use my XXXX XXXX. I have been out of work since XXXXI begged for a forbearance but they refused. I have been dipping into my retirement fund which is almost depleted just to pay rent and utilities etc.

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 2024-03-06 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my 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 2024-03-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-06 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-06 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. The credit report stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date lady active is inaccurate and date last reported is inaccurate. This is grounds for removal due to a violation of my rights under 15 U. S. C. 1681 Section 602 A stated I have the right to privacy. 15 U. S. C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have attached and highlighted the accounts incorrectly. 

Items : 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a complaint against TransUnion with the Consumer Financial Protection Bureau ( CFPB ) regarding their handling of my dispute regarding inaccuracies on my credit report. 

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items and incorrect personal information listed on my credit report. Along with my dispute letter, I included copies of my photo ID, social security card, and a recent bill to assist TransUnion in verifying my identity and address. 

However, on XX/XX/year>, I received a response from TransUnion stating that they were unable to process my request because it did not appear to have been sent directly by me or a properly authorized third party. This response indicates a failure on TransUnion 's part to conduct a reasonable investigation into the completeness and accuracy of the disputed information, as required by the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, if a consumer disputes the completeness or accuracy of any item of information in their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnion 's failure to do so constitutes a violation of my consumer rights.

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 2024-03-06 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XX/XX/year> Subject : Request to Remove and Block Fraudulent Information Under Section 605B of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to inform you that I have been a victim of identity theft. This letter is a formal request pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, to remove and block all information from my credit report that resulted from fraudulent activities conducted by an identity thief.

Please note that some of the fraudulent accounts or inquiries may list names and addresses that differ from my own. These discrepancies are a direct result of identity theft. The name and address deliverable to me by the United States Postal Service ( USPS ) are as listed at the beginning of this letter. For verification purposes, I have included copies of documents that prove my current residence, such as a utility bill and a government-issued identification card.

Update Address and Name to FRAUDUENT ADDRESSES that may appear but do not belong to me. please remove and delete the following :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I am writing to express my extreme dissatisfaction and frustration with the lack of assistance and the prolonged delay in processing my income-driven repayment plan. As a borrower who has diligently adhered to the necessary steps and provided all required documentation, the lack of progress in this matter is unacceptable. 

Despite submitting my application for an income-driven repayment plan well within the stipulated time frame and fulfilling all necessary requirements, there has been a glaring absence of any proactive assistance or updates from your end. It has been [ insert duration ] since I submitted my application, and I have yet to receive any confirmation or indication of progress. 

The purpose of income-driven repayment plans is to provide borrowers with a manageable and equitable method of repaying their student loans based on their financial circumstances. However, the current situation has left me feeling overwhelmed and unsupported. The burden of uncertainty regarding my repayment options is exacerbating my financial stress and negatively impacting my ability to plan for the future. 

Furthermore, the lack of communication and assistance from your customer service representatives has only served to compound my frustration. Despite repeated attempts to seek clarification and guidance, I have been met with vague responses and empty assurances, which have done little to alleviate my concerns. 

I urge you to prioritize the processing of my income-driven repayment plan without further delay and provide me with a clear timeline for resolution. Additionally, I expect to be kept informed of any progress or updates regarding my application. 

Furthermore, I request that you implement measures to improve the efficiency and effectiveness of your customer service channels to ensure that borrowers like myself receive the support and assistance we deserve. 

Failure to address this matter promptly and satisfactorily will leave me with no choice but to escalate my complaint to higher authorities and explore alternative options for resolving this issue. 

I trust that you will take immediate action to rectify this situation and provide me with the assistance and support I require.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: AZ

Complaint narrative:
I have a credit builder account with Kikoff that I pay monthly for positive reporting to the credit bureaus to increase my score. My credit report is showing that my Kikoff balance increased, which dropped my score several points. This is not the first time Kikoff has made a mistake and reported negative/incorrect information to the bureaus and temporarily decreased my score. his needs to be corrected asap, as I dont pay for this service monthly to have my credit score decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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:
XXXX Purchased Vanilla gift card from XXXX and loaded {$200.00} on it. 
XXXX I Presented it to my grandson for XXXX, XXXX My grandson tried using the card at several vendors without success. The third set of four digits on the front of the card were scratched off when my grandson opened the card. 
XXXX My grandson reached out to Vanilla gift cards about the defective card. He was told to take pictures of the card and email the information to XXXX - he was also told that a replacement card would be sent to him within 5 days. My grandsson sent the information as instructed and has an email to confirm it was sent XXXX 
XXXX My grandson and I reached out to Vanilla gift card in a phone call. They stated that the email from my grandson had not been received until XX/XX/24 and they legally had 30 days to investigate the claim. 
XXXX My grandson and I initiated a 3-way call with Vanilla gift card. We let them know that the replacement card had not been received, and that my grandson moved on XXXX, but has been checking his old address for the replacement card without success. We also asked them to send the card to my address. I have since given my grandson the cash value of the card and have taken responsibility of the card. I sent a copy of my receipt to Visa Vanilla Gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There are several credit inquiries and accounts opened under my identity between the dates of XX/XX/XXXX - XX/XX/XXXX. In addition, my personal debit card was compromised and I disputed the purchase made on a both my debit card and a XXXX XXXX account that i never opened. 

Unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX SYNCB/ XXXX XXXX XXXXXX/XX/XXXX Disputed purchases : XXXX XXXX transaction at XXXX {$280.00} on XX/XX/XXXX XXXX XXXX XXXX  card {$1600.00} XXXX XX/XX/XXXX - unauthorized credit card opened on XX/XX/XXXX XXXX / XXXX 's purchase {$160.00} - 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