vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 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: CA

Complaint narrative:
I tried using my unopened {$100.00} gift card for the first time in XX/XX/XXXX and was surprised to find out my gift card had less than {$3.00}. I looked up the gift card balance online and realized there was fraud with my gift card. Multiple people stole my card information in XX/XX/XXXX and were able to use my gift card in multiple states on the same day when my card was at home, safe in my room, and I was out of the country on vacation. There was no way I or anyone I know was using my gift card for those transactions. It was involved in a gift card scam! I contacted Vanilla gift cards and told them everything. Submitted a form that took months for them to review because they had an error in the dispute form that I had to repeated email and call them to fix. After FINALLY fixing my dispute form and submitting it, I received an email months later that they DENIED my dispute. They refused to put the STOLEN funds back on my Vanilla Visa Gift Card. Their response : " Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the referenced ticket above.

We take concerns from cardholders very seriously. After a thorough review of your account and evaluation of the evidence provided, we regret to inform you that we are unable to approve your dispute. With the denial of this dispute, your case has been closed.

Per the cardholder agreement and the payments network, these transactions are out of timeframe for recovery. '' A bogus excuse. These transactions would be impossible by me alone which would be easy to discover doing some simple research. " Out of the timeframe for recovery '' should go out the window when it's clear to see by the date, times, and locations these transactions happened. Gift card expiration date is XX/XX/XXXX. 

Listed below are the transactions that were not mine that my unopened gift cards was used for : Merchant Name : XXXX # XXXX Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$1.00} Merchant Name : XXXX  Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$5.00} Merchant Name : XXXX XXXX Transaction Date : XX/XX/XXXX, XXXX XXXX  Transaction Amount : {$.00} Merchant Name : XXXX XXXX XXXX XXXXXXXX Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$83.00} Merchant Name : XXXX XXXX XXXX Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$100.00} Merchant Name : XXXX XXXX XXXX Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$.00} Merchant Name : XXXX XXXX Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$14.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: MI

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX {$0.00} XXXX Update to never late XXXX XXXX {$6300.00} XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XXXX Remove XXXX XXXX XXXX Remove XXXX XXXX XXXX XXXX XXXX Remove Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove XXXX XXXX XXXX Remove Inquiry XXXX XXXX XXXX Remove Inquiry XXXX XXXX Remove Inquiry XXXX XXXX XXXXXXXX Remove Inquiry XXXXXXXX XXXX XXXX XXXXXX/XX/year>

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 2024-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Customer Service Department America Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Request for Proof of Funding and Other Documents Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the following documents related to my loan account with America Credit Acceptance : 1. Proof of Funding 2. Notice of Disclosure of Security 3. Currency Transaction Report I initially made this request on XX/XX/year>, and was informed that it would take 7 to 10 days to provide these documents. Unfortunately, I have not yet received the requested information. I understand that providing certain information over the phone may not be possible ; however, I kindly ask that these documents be sent to me in writing at your earliest convenience.

Additionally, I recently received a proof of sale of property document, which I did not authorize. I request an explanation regarding this matter and ask that any actions taken without my explicit approval be rectified immediately. 

Please treat this request with urgency. If I do not receive the requested documents within 10 business days from the date of this letter, I will consider further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Yours sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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:
XXXX XXXX XXXX has placed on my credit report of missed and late payments from XXXX. First of all this is not supposed to be on my credit report it is too old. Second there are no lates or missed payments and this needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: GA

Complaint narrative:
I recently reviewed a copy of my report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am filling a complaint against Chase Bank in accordance with 15 USC 1666b because of inaccurate consumer reporting regarding late payments that are incorrect. I was never late and they needed to provide the disclosures stated under 1681 EI.

15 USC 1666b states : ( a ) Time to make payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Chase made an error in reporting that the account was 60-90 days past due and that is incorrect. The account balance is also incorrect.

Chase Bank never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services Amount {$310.00} Its been well over 3 years for the duration of the time on my XXXX credit report Acount is open and was removed from all my other credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: FL

Complaint narrative:
I am writing to dispute and request the immediate blocking of inaccurate information on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC section 1681c-2 ( Blocking of information resulting from identity theft 605B ). 

Account Information : Creditor : XXXX  Account Number : XXXX Credit Bureaus : XXXX, XXXX XXXX XXXX Discrepancies : XXXX Opened : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX High Credit : XXXX : {$840.00} XXXX XXXX {$0.00} XXXX : {$800.00} XXXX XXXXXXXX : XXXX : {$700.00} XXXX XXXX {$0.00} Date of Last Payment : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Given these discrepancies, I demand that the item be blocked immediately. As per the Fair Credit Reporting Act ( FCRA ) 15 USC section 1681c-2, you are required to block this information within 4 days of receipt of this communication. Failure to do so within the 4-day period constitutes a reason to promptly delete the information from my file, as per FCRA 15 USC section 1681i ( 5 ) ( A ).

Please investigate these matters and correct the information on my credit report promptly. I have attached copies of my credit report with the highlighted errors and supporting documents. 

Thank you for your immediate attention to this issue. I expect a response and resolution within the timeframe specified by Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-21 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Several accounts are showing charged off/ written off as a loss to company/ closed due to inactivity. However, they all still show a past due balance None of the account have consistent/accurate information about the account. My concerns are the open date, last activity, open, date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: NY

Complaint narrative:
Several accounts are showing charged off/ written off as a loss to company/ closed due to inactivity. However, they all still show a past due balance None of the account have consistent/accurate information about the account. My concerns are the open date, last activity, open, date

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 2024-07-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a letter in the mail from Bank of America prepaid EDD card stating that I had to call the service center to request my available balance remaining in my account the closed out and sent to me via check I spoke to the representatives over the phone with Bank of America I waited on the phone for over 2 hours for them to verify my identity and they still ask me to go down to the bank with two forms of ID which I have already done previously all I needed to do was call in to get my account closed my card has been locked since 2021 and I have not been able to access any funds I am an elder man in poor declining health I feel like they are trying to withhold my funds so I never received them before I pass away thank you for any help that you guys can provide

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 2024-07-21 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: NV

Complaint narrative:
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 XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent in a letter regarding two accounts on my credit report that are allegedly past due and negatively reporting on my report, which was not approved by me or opened up by me I also submitted my documentation from the commissioners office in my state which is New York because at the time of the alleged debt/ account opening I was XXXX XXXX XXXX XXXX XXXX So I made sure to reach out to The state commissioner until I got a response and they wrote a letter regarding my incarceration and that those debt could definitely not be me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: MA

Complaint narrative:
I am writing to dispute the reporting of charged-off accounts on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code {$1600.00}.

According to 15 U.S. Code 1681b, a consumer reporting agency is permitted to furnish a consumer report under certain circumstances, such as with the written consent of the consumer. I have never provided written consent for Transunion, XXXX, XXXX, creditor in relation or any of its affiliates to report charged-off accounts on my credit report. 
Furthermore, The FCRA mandates that consumer reporting agencies and furnishers of information must ensure the accuracy and privacy of consumer information. As such, I demand the following actions be taken immediately : 1. Remove unauthorized charged-off accounts : Please provide documentation showing that I gave written consent for the reporting of each charged-off account listed on my credit report. In the event there is a charged off account, I am to be provided a 1099c and request that and if not given am permitted the accounts be removed. In the absence of such documentation, I demand that these charged-off accounts be removed from my credit report.

2. Cease and desist further reporting of charged-off accounts : I request that Transunion, XXXX, XXXX cease any further reporting of charged-off accounts without my explicit written consent. 

Failure to comply with these requests may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as possible legal action to protect my rights under the FCRA. 

Please confirm receipt of this letter and provide a response detailing the actions taken to address my concerns within 30 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX of Accounts : XXXX XXXX XXXX. ( Balance of XXXX ) XXXX Date opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( balance of XXXX ) Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX balance ) Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( balance XXXX ) Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( balance XXXX closed XXXX ) account paid in full Paid in settlement. {$320.00} written off. 
Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( balance of XXXX ) Date opened : XXXX XXXX, XXXX Chargeoff

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