vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: NM

Complaint narrative:
XXXX, XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove one account from my consumer credit report that does not belong to me.

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 2024-01-24 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: TX

Complaint narrative:
In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had update. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. 
XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$3800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: NV

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2024-01-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: NV

Complaint narrative:
As per Money Network, the card ending XXXX was issued on XX/XX/20XXXX The charge in question was made by a certain XXXX XXXX on XX/XX/ for {$1300.00} as payment to a XXXX web upgrade and was charged to same card ending XXXX. I received the card by mail on XX/XX/ ending XXXX and called them to activate my card. Money Network said it can't activate my card because they said that my card has been compromised. 

Money Network told me it will just send me a check. Please take note that this card was never activated by me that's why you opted to send me checks. The charges in XXXX were all fraudulent in which you refunded me a total of {$1200.00} except for the the {$1300.00} to XXXX which is the subject of my complaint. 

A person named XXXXXXXX XXXX with an address at XXXX XXXX XXXX, XXXX, CA XXXX and a phone number of XXXX used that card to pay XXXX. So, this is FRAUD. It is unauthorized and done before I even received the card XXXX and which you were not able to activate and same card XXXX was used by the scammer. 

I would like to request for the refund of same. Please investigate the matter to bring this to a final resolution. 


Thank you for all you help. 


XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: IN

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-24 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My dad received the cards at work during a holiday, tried to use them, couldn't use them anywhere he tried in XXXX, then gifted them to me a few months later. I forgot about them, then I tried using them online a few times without success and would try again on & off over time. 

For example, on XX/XX/XXXX, I tried paying for a successful bid on XXXX using one of the {$100.00} Amex Gift cards I had. It was denied and given a pending charge that disappeared after about a week. I had to use my credit card to pay XXXX instead. 

During the end-of-year holiday season of XXXX, I tried to top off my XXXX gift reward balance using XXXX of the cards ( XXXX, XXXX, XXXX, XXXX, XXXX ) for XXXX gift card orders. They were each given XXXX pending transaction for adding the card to my XXXX account and another XXXX for placing a gift card order. With another XXXX cards ( XXXX, XXXX, XXXX, XXXX, XXXX ), I tried to add them to my account just like any other credit card. Amex Gift Card support states to use them like you would with any credit card. After about XXXX weeks, the pending charges cleared on all of them, but when I tried using the first set of XXXX cards, they were immediately denied instead with no more pending charges. When I used the XXXX card to try an XXXX order, I was given a {$.00} pending charge, that would go away after about a week ( before and after images included in my documents ). I could not complete any orders on XXXX with these cards even after the waiting period. 

I tried paying for XXXX XXXX using one of the gift cards and it was denied immediately. This would've been a fantastic way to purchase a XXXX, with a gift card being second to cash. 

I could not add the gift cards to my XXXX or XXXX. 

I checked on internet forums such as XXXX and websites like Consumer Affairs. Many people suggested what was already tried above. 

Whenever I called Amex Gift Card support, it was very difficult to navigate their system to reach human support. When I did manage to reach someone, it was as if they were reading a script. For example, they suggested using it in person, even though I stated my attempts to use it either in-person or online through a variety of different vendors. 

The product that claims it " can be used virtually anywhere American Express Cards are accepted in the U.S. '' I can not use an American Express Gift Card anywhere American Express cards are accepted. I just want to be able to completely use up the balance on each of the cards completely, but I can't use a dollar off any of the cards. Please, I just want to use my gift cards to buy things simply as advertised by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Keystone Credit Services LLC
State: NJ

Complaint narrative:
Subject : Formal Notice of Violations and Request for Remediation Dear Keystone Credit Services, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Keystone Credit Services has handled my credit information. 


It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), NJFCRA Section 56:11-28, and breaches the New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 ).

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and NJFCRA Section 56:11-28.

I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), NJFCRA Section 56:11-31, and NJFCRA Section 56:11-34. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ) and NJFCRA. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences.

Moreover, I insist on Keystone Credit Services providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and NJFCRA Section 56:11-28.

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 


I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. 


Done in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TX

Complaint narrative:
In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had update. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. 
XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$3800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: TX

Complaint narrative:
In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had update. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. 
XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXXXXXX XXXX Balance : {$710.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I received an email stating that WELLS FARGO responded so the CFPB again closes my case just because they responded but the CFPB failed to adequately examine the evidence that were provided to them from WELLS FARGO. In the letter WELLS FARGO submitted as evidence, it specifically states that We apologize that we are unable to meet your request and provide specific reasons for this process. To do so would jeopardize the integrity of our investigations. Our records show the claim documentation that we can provide was mailed to your address on file XX/XX/2024. We have enclosed a copy for reference. They are literally saying we cant provide you evidence but we are going to willfully and intentionally deny you your securities because the transaction were valid and was not made in error. In order to make that legal determination there has to be some evidence but again they have failed and refused in providing evidence to their legal claim. The so called evidence that sent to me on XXXX XXXX which I sent copies to the CFPB were just computer generated Bank Statements and according to a previous case filed against WELLS FARGO, bank statements are false and Misleading representation of evidence and omitted from material facts. Once again that have refused to provide any evidence of their determination but has continuously deny and refuse to reissue my securities, at this point I see no other option but to take this to Federal claims. They also stated that page 20 of the Deposit Agreement States that was signed by myself and WELLS FARGO states what a deposit account is but I read it 4 times and no where does it describe a Deposit Account is or isnt. ( see attach )

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 2024-01-24 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Per 15 USC 1681c-2, this is the statement that the information identified is not information related to any transaction made by me the consumer.

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 2024-01-24 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: NV

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-01-24 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:
Under Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I, i request you investigate the source of these accounts and ascertain that the creditor had a permissible purpose. because this was not me Loan says I am a " co signer '' never signed off on this. 
want to REMOVE myself

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 2024-01-24 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 formal complaint against TransUnion for repeated failures to conduct a reasonable reinvestigation into inaccuracies on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I mailed a dispute letter to TransUnion, requesting an investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Bankruptcy Reference Number : XXXX. I also disputed incorrect names and addresses listed on my credit report. In an effort to verify my identity and address, I enclosed a copy of my photo ID, social security card, and a recent bill. 

Despite adhering to the FCRA 's dispute process, I received a response from TransUnion dated XX/XX/XXXX, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

Subsequently, I submitted a follow-up dispute on XX/XX/XXXX, with no response from TransUnion. For the third time, I sent a dispute on XX/XX/XXXX and received an identical response, once again asserting that they did not receive a properly authorized request. 

This consistent denial of a reasonable investigation, as required by the FCRA, is a violation of my consumer rights. The Act mandates credit bureaus to conduct thorough reinvestigations when the accuracy or completeness of any item in a consumer 's file is disputed.

I am submitting copies of my dispute letters, along with TransUnions responses, as evidence of my repeated attempts to correct inaccuracies on 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX and this statement is being written by myself. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of the listed accounts. 

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 2024-01-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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