vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as 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 on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX TEXAS XXXX while my credit report shows an outdated address of XXXX XXXX XXXX XXXX, FL XXXX. I request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.

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 2024-12-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
On XX/XX/2024 my RobinHood account had been locked temporarily. They asked me for documents such as my state Id, my bank statements, bank linking through XXXX, and selfies of my face. They said they would contact me on the XXXX then the XXXX and so on. It just keeps updating but Im not getting any answers. I have over {$2500.00} in my account and theyre not letting me withdraw or manage my money. I simply asked for my money to be returned to my bank if they wouldnt be unlocking my account. Ive been ignored and have been in line for a phone call for 6 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I don't know what happen, my credit received a major derogatory mark from Source Receivables mng, a debt collector collected a debt that I wasn't aware of, they never contacted me or have some forms of notification. 
In my credit report, it seems Source Receivables mng collected a monthly payment about XXXX $ for XXXX XXXX which is not right, I always pay on time or if I may pay late for days I should be contacted. I don't really understand my situation. 
Overall, I don't recognize, I don't know, I don't understand this debt. I believe there are thousands of people bothered by this collector. 
I hope the government acts on behalf or be the voice of its people

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — Store credit 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: NC

Complaint narrative:
This incident includes the Old Navy at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX It also includes Barclays Bank and their fraud investigation unit On XX/XX/XXXX XXXX a credit card was opened in my name fraudulently at the Old Navy in XXXXXXXX XXXX. The original charge was for XXXX but has since gained interest. I have made several requests for an investigation and my investigation results keep coming back as determined not fraudulent. I do not live in XXXXXXXX XXXX and frankly I did not know it even existed until this happened to me. I have filed a police report, I have reported the incident to the credit bureaus, I have filed an identity theft report. This incident is causing my credit score to drop, it has caused me emotional distress on many levels. I personally would like the Old Navy and the employees as well as Barclays to be investigated for their practices.

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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX, California XXXX Subject : Debt Validation Request for Account # [ XXXX ] Dear Sir/Madam, I am writing regarding an alleged debt you claim I owe, associated with the account referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt to ensure its accuracy and legitimacy.

Please provide me with the following information : 1. Validation of Debt : The total amount of the debt, including a detailed breakdown of all fees, interest, and charges.

The name of the original creditor and their contact information.

A copy of the original agreement or contract that establishes my obligation to pay the alleged debt. 
XXXX. Proof of Ownership : Documentation showing that XXXX XXXX, XXXX has been assigned or legally owns the debt. 
A chain of custody or proof of transfer of ownership from XXXX XXXX XXXX XXXX to your company. 
3. Verification of My Responsibility : Documentation proving that I am the individual responsible for this alleged debt.

This letter is not a refusal to pay but a request for validation. Please note that under the FDCPA, you are required to cease all collection activities until the requested information has been provided. Additionally, I request that you refrain from reporting this alleged debt to any credit reporting agencies while it remains unvalidated.

Failure to provide the requested documentation will result in me disputing the debt and filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant agencies.

I expect your timely response to this request, as required by law, within 30 days of receipt of this letter. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The company reported the account as a charge off and fail to provide me with a 1099c thus once the account was reported as a charge off it becomes income therefore can not be reported as a debt. I have requested the 1099c several times and the company has not responded with one...

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 2024-12-31 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JP MORGAN CHASE PUT A CLOSED ACCOUNT ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
so I am a XXXX XXXX XXXX XXXX XXXX and I never had the opportunity to learn what credit is and how it works until recently, growing up I had a house fire which my parents never recovered any of our important documents. 

Now that I am learning what credit is and Iooked at my report I have a bunch of accounts and collections that I am not aware of, and I know by law the creditors have to show proof of ownership which is not me cause all I have is my car through XXXX XXXX XXXX XXXX. 

These accounts listed is not mines and I have no idea of who opened or even authorized these accounts such as : 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 I ALSO HAVE COLLECTIONS ACCOUNTS THAT I DID NOT AUTHORIZE SUCH AS XXXX XXXX A I AM BEING HARRASSED BY BILL COLLECTORS AND I DID NOT AUTHORIZE NONE OF THESE ACCOUNTS AT ALL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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:
so I am a XXXX XXXX XXXX XXXX XXXX and I never had the opportunity to learn what credit is and how it works until recently, growing up I had a house fire which my parents never recovered any of our important documents. 

Now that I am learning what credit is and Iooked at my report I have a bunch of accounts and collections that I am not aware of, and I know by law the creditors have to show proof of ownership which is not me cause all I have is my car through XXXX XXXX XXXX XXXX. 

These accounts listed is not mines and I have no idea of who opened or even authorized these accounts such as : 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 I ALSO HAVE COLLECTIONS ACCOUNTS THAT I DID NOT AUTHORIZE SUCH AS XXXX XXXX A I AM BEING HARRASSED BY BILL COLLECTORS AND I DID NOT AUTHORIZE NONE OF THESE ACCOUNTS AT ALL

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I called on XX/XX/XXXX to see if I could get assistance with hardship to lower my apt so that I. A pay down my balance. I spoke to XXXX in customer service who transferred me to XXXX XXXX in Collections at XXXX. I did not need collections because all of my accounts are current. XXXX XXXX transferred me to XXXX who was supposed to to be a hardship specialist. When I ask her what department is this she said I am the right person to speak with we spoke for over 2 hours and she did not have a solution to lower interest or a pay down plan without closing my account. I told her I may be going for XXXX in the far future and if I cant keep up the payments then bankruptcy may be my only option. I told her to keep it as is and I will continue to make payments towards my card. As of today XX/XX/XXXX I noticed after I paid XXXX plus dollars there was no available credit so I called. .Spoke to XXXX in SC that told me my account was closed. Ive had this account for years. My oldest credit. Which I know will affect my credit score. XXXX transferred me to her manager XXXX that said she will submit a request to try to open the account back up but no promises. She said she could see that XXXX submitted a request to close my card because I mention the word bankruptcy. This agent did not tell me this is what she was doing. She just did it. The manager XXXX keep giving apologies and gave a me a case number XXXX. I worked for Bank Of America for 20 years and never seen a case number like that. My accounts has been opened since XXXX. No promises was given and the statement cycle will close and the intrest will take the XXXX that I was going to use for my XXXX. This is unacceptable to close my acct and tell me nothing about it because I mention bankruptcy in the conversation. XXXX took action without my consent and closed my longest standing credit card. I told the manager to listen to the call and she will see I told that agent to leave my account as is. All of my accounts are current!

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was notified by letter dated XX/XX/XXXX, that my personal information XXXX have been involved in a data security incident at XXXX XXXX XXXX XXXX XXXXXXXX. In XX/XX/XXXX I enrolled in a free, two-year identity protection monitoring service ( mytrueidentity.com ) as directed in the letter from XXXX XXXX XXXX this service worked well until approximately XX/XX/XXXX, when the website mytrueidentity.com no longer allowed me to log on. I made repeated telephone calls to My True Identity representatives at XXXX on XX/XX/XXXX and XXXX, XXXX, however, none of their remedies have worked and my access to the identity protection monitoring services is not restored. 

This denial of identity protection monitoring services to which I am entitled is an intentional effort by TransUnion ( through their mytrueidentity.com website ) to deny me my rights based on my age. The remedies proposed to me during telephone calls to mytrueidentity.com representatives have been difficult to understand, unreasonably complex, require detailed computer knowledge, or, frequently, seek to shift blame to the individual computer operating systems and web browsers that I use, or to my internet provider. 

NOTE : The attached images are described as follows : " First Screen '' shows the mytrueidentity.com log on screen which had worked well since XX/XX/XXXX. 
" Second Screen '' shows the blank screen which immediately appears after entering my username and password. This screen would never load any further information to me to view.

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Mercury Financial Intermediate LLC
State: IN

Complaint narrative:
Unauthorized transactions.. I asked for proof of authorization authorize. Ask for merchant informs As I never heard of this company or purchased. I have no connection or history with this company. I ask that my resolution of 0 liability and back by regulation e I am fully credit as this is fraud XXXX rebill {$1800.00} XXXX rebill {$450.00} Resolution letter and information was suppose to be sent out.. XX/XX/year> as of today XX/XX/XXXX. I have not heard from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 16811 ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : *XXXX  XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX *XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I called AMEX twice to troubleshoot why my AMEX Reward Card payment on XXXX and XXXX was rejected, to which the response was that I needed to use the card at businesses which ask for the card number, expiration date, and security code. I informed them that both of the aforementioned companies do. I was then told that it might be an issue with not having a zip code attached to the card. I asked which retailers they know will work and they pointed me to businesses listed on their website. I tried using it at XXXX ( XXXX of the sites listed ) and the card was still unable to be processed. I have researched this issue and several others have also ran into the same hurdle. I have never encountered this issue with any other gift cards and was about to just give up on this {$50.00} gift card ; however, in my research, someone mentioned reaching out to consumer reports to navigate the issue. There are XXXX screenshots attached. XXXX is my XXXX screenshot which shows that my recent order would not process and has been delayed as they tried several times to use my reward card before reverting to my backup paymentwhich I was trying to avoid. The other screenshot is XXXX. This screenshot shows an initial order failure with the AMEX Reward Card, so I bought the same deal with my regular card. Then I found a cheaper deal ( under {$50.00} ) which I thought may make the transaction go through with my AMEX Reward Card, so I got my deal refunded and attempted to buy the cheaper deal ( {$40.00} ) with the AMEX gift card and it failed, so I had to just buy it with my regular card. XXXX was the same but I dont have a screenshot for that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 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: SC

Complaint narrative:
My information was exposed in a data breach. These items below are on my credit report and need to be removed within 4 days. 
Potentially negative items XXXX. XXXX {$140.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$7000.00} XXXX. XXXXXXXX XXXX XXXX  {$5000.00} XXXX. XXXXXXXX XXXX XXXX {$2600.00} XXXX. XXXX XXXX XXXXXXXX XXXX  {$980.00} XXXX. XXXX XXXX XXXX {$490.00} XXXX. XXXX XXXX {$0.00} Inquiries XXXX. XXXX XXXXXXXX Inquired on XX/XX/year> XXXX. XXXX Inquired on XX/XX/year> XXXX Inquired on XX/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 explanation
Consumer complaint received 2024-12-31 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
Still having problems with LexisNexis reporting my personal information to the XXXX major credit bureaus XXXX, XXXX, and XXXX on XXXX XX/XX/XXXX. By the Fair Consumer Law LexisNexis do not suppose to be reporting my personal information without my consent after I have a permanent opt out and freeze with LexisNexis. Also, LexisNexis have had my sons consumer file mixed up with my consumer file since XXXX XX/XX/XXXX to present, because we have the same name and my name ends with XXXX for XXXX  and my son do not have a XXXX  at the end of his name.

Company response to consumer: Closed with explanation