vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 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: IL

Complaint narrative:
I purchased 4 prepaid, Visa gift cards, each for a value of {$500.00} I puchase 3 of these on XX/XX/year> and one on XX/XX/year>. Each time I attempted to use the cards my transaction was rejected by the Incomm. The cards are serviced by Incomm Financial Services. Incomm routinely blocks legitimate transactions under the guise of " consumer protection ''. They do so in the hopes that delaying the spend down on the cards will lead to windfall and unmerited profits for the issuer. How? By frustrating users and rejecting consumer purchases, chances increase that users will simply give up and not use the cards. By frustrating users and delaying spend down chances increase that users will misplace their cards. This is unethical behavior. I have been forced to endure lengthy delays, lost submissions and poor customer service on the numerous occassions on which I have forced to seek refunds and card replacements from Incomm. That is why I now appeal directly to CFPB in the hopes of not only receiving a refund for these 4 cards, but some action on the part of CFPB to sanction Incomm so that the entities stop this eggregious behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: MD

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-06-30 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: MD

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
XXXX is also, reporting on XXXX and caine is too!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: MD

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15usc1681 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of furnishers of information to provide accurate information. 


XXXX XXXX {$290.00} XXXX Status Closed Credit Limit {$0.00} High Balance {$290.00} Payment Amount {$0.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late 30 : 0 | 60 : 0 | 90 : 0 Payment Status Charged off as bad debt Past Due {$0.00} XXXXXXXX XXXX {$560.00} Account # XXXX Status Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXreditor Type Collection services High Balance {$560.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXXXXXX XXXX XXXX  {$230.00} Account # XXXX Status Original Creditor XXXX XXXX Creditor Type Collection services High Balance {$230.00} Open Date XX/XX/XXXX Last Reported 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 explanation
Consumer complaint received 2024-06-30 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: IL

Complaint narrative:
The list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681 did my Experian credit report on XXXX XXXX, 2024 and noticed somethings are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable Procedures to insure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC1681 ( e ) ( b ) according to 15 USC 16815 ( 5 ) inaccurate or unverifiable information ( A ) in general after any navigation on the paragraph ( 1 ) of any information disputed by the consumer, and item of this information is found to be in accurate or incomplete or can not be verified, the consumer report agency shall ( 1 ) 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 on the consumer. And according to 15 USC 1681s-2 they are not to furnish any information relating to a consumer reporting agency it all has reasonable believe that the information is inaccurate. 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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
When I go on expiren site it shows me one credit score but when I go under another site to apply for an apartment they are reporting a lower score keeping me from being able to rent it's a whole XXXX point difference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/year> Equifax DELETE this collection from my credit file after i place a dispute XXXX but this collection by the way NOT MINE still still appears on my credit file also XXXX delete this account as well, open attach

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: MO

Complaint narrative:
I was served at my home to appear in court but I was never given any notice that legal steps were being taken against me for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Venmo completed a lazy dispute. I was induced into a {$540.00} purchase, based on a false advertisement and other false statements of fact. I was charged for a six month medical subscription and cancelled immediately. Venmo advised me that I lost my dispute because the fee was nonrefundable under terms and conditions of the website. The website terms are not part of the contract because they are hidden on the website and are therefore violative of state consumer protection laws. And Venmo is erroneously construing language in this so-called website terms agreement in XXXX favor where language is ambiguous. Venmo should not offer debit products if it can not process a reasonable dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jana Ferrell & Associates LLC
State: TX

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I paid for a subscription on Experian.com that should have given me access to all XXXX credit reporting agency ( Experian, XXXX, and XXXX ) credit reports and my reports and scores have not been updated in years. I also could not obtain an updated credit report on XXXX XXXX XXXX. There has been several instances of fraud committed by XXXX, Experian, and XXXX without me being able to access a credit report that is XXXX XXXX accurate across all XXXX credit reporting agencies. There are many inaccuracies that need to be deleted. I should only have XXXX name on my credit report : XXXX XXXX XXXX XXXX. I should only have XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The account XXXX XXXX XXXX should have a XXXX XXXX utilization and no late payments in the payment history. Update this account to Paid As Agreed Never Late. The Collection accounts XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX are fraudulent and should be deleted. The accounts XXXX XXXX XXXX XXXX XXXX, And XXXX XXXX XXXX should have a XXXX XXXX utilization and no late payments in the payment history. Update these accounts to Paid as Agreed Never Late. The account XXXX has never been late and should be updated to Paid As Agreed Never Late. My credit report should be XXXX XXXX accurate. Please allow access to the paid subscription with all XXXX credit reports with an updated credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX XXXX XXXX, which solicited me to invest a substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial brokers. Some transfers were made through my wallet hosted by www.coinbase.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX XXXX XXXX. Based upon the understanding that www.coinbase.com is acting compliant and will provide due care towards its wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for the provision of information to Coinbase. Unfortunately, Coinbase provided a formal response to our justified request, failing to provide the requested information about the ISSUE Other service problem HAVE YOU ALREADY TRIED TO FIXTHIS PROBLEM WITH THE COMPANY? 
Yes DID YOU REQUEST INFORMATIONFROM THE COMPANY? 
Yes WHAT INFORMATION DID YOUREQUEST? 
Information they should have collectedaccording to the travel rule requirement ( information about the entity hosting thebeneficiary wallet ( s ) and/or informationabout the beneficiary wallet ( s ) holder ( s ) ) DID THE COMPANY PROVIDE THISINFORMATION? 
No Edit this section Edit this section What would be a fair resolution to this issue? Coinbase should either disclose the requested information about my outgoing transactions, or Coinbase should be seen liable for the damages that occurred to me and should pay me feasible compensation. See the attached letter of demand to Coinbase for further details. 
1 attachment View uploaded documents by clicking on the file name. Documents that pass virusscanning are typically available within 2 minutes of upload. 
VASPs hosting the beneficiary wallets. In my opinion, such behavior from www.coinbase.com represents a clear example of the mistreatment of my consumer rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX XXXX XXXX, which solicited me to invest a substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial brokers. Some transfers were made through my wallet hosted by www.cash.app. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX XXXX XXXX. Based upon the understanding that www.cash.app is acting compliant and will provide due care towards its wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for the provision of information to CashApp. Unfortunately, as of the date of this complaint, www.cash.app has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. In my opinion, such behavior from www.cash.app represents a clear example of the mistreatment of my consumer rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: IL

Complaint narrative:
The list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681 did my Experian credit report on XXXX XXXX, 2024 and noticed somethings are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable Procedures to insure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC1681 ( e ) ( b ) according to 15 USC 16815 ( 5 ) inaccurate or unverifiable information ( A ) in general after any navigation on the paragraph ( 1 ) of any information disputed by the consumer, and item of this information is found to be in accurate or incomplete or can not be verified, the consumer report agency shall ( 1 ) 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 on the consumer. And according to 15 USC 1681s-2 they are not to furnish any information relating to a consumer reporting agency it all has reasonable believe that the information is inaccurateXXXX 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 2024-06-30 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation