vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: NY

Complaint narrative:
I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be enormously valuable. We are hoping to purchase a house. Kindly assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be incredibly valuable. We are hoping to purchase a house. Kindly assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY

Complaint narrative:
A person came to my house to sell home security system with XXXX. I told the person I would get a quote on pricing and think about it. Before I knew it, she had the figures on a piece of paper, stating the equipment is paid to Citizens Bank and they get the remainder of the money for monitoring. I had to step away and she continued to talk with my husband, and took his information, ran a credit check and opened a line of credit with Citizens Bank. I did not want any of this. 
I called Citizens Bank to cancel this line of credit and they told me they could not cancel it until after XXXX  days had past. That is crazy. I did not want it and now they wont let me cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: MA

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. The following are the details of the inaccurate information and the required corrections : 1. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

2. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

3. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

4. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

5. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

6. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00}, Original Creditor : XXXX  ). Please remove it 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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Dear Chase, I recently made complaints in past about my phone number.. I received voice mail today saying my phone number is updated on XXXX end and believe it should be updated on Chase Fraud department system as well. Ive attached the voicemail from XXXX. I just believe XXXX XXXX has to call Chase and Chase just has to call me now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal Credit Union withdrew {$3100.00} from my Savings Account to which I am not a joint account holder. Their reasoning was due to my spouse being on the account with my son, their policy is to take funds from any available account as stated in their member disclosures to satisfy payment to any account that has the name listed even if you are not a joint owner of the original account that owes money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE INFORMATION IS INCORRECT 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 non-monetary relief
Consumer complaint received 2024-01-04 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:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: MI

Complaint narrative:
I just got my credit report on XX/XX/2024 and noticed some accounts on my credit report are incomplete and inaccurate which is a clear violation of USC 1681e ( b ) They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this particular point I honestly believe that they are doing this on PURPOSE. According to 15 USC 1681e ( b ) 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. They MUST be legally blind because everything is inconsistent.

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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Deposited a check on the XXXX of XXXX. The same person paid me the exact same way the month before and I had to go through XXXX with chase for them to finally clear the check. The same thing is happening again. I'm now late on rent and being negatively impacted and can't get a reason why I'm going through the same thing again. Chase is breaking the law and they don't care. I've asked numerous times the law stating why they are doing what they are doing and there response is because they can. It's crazy that a financial institution can break laws and do as they please with no reason or logic.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: MA

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding inaccurate information on my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding the following discrepancies, but to date, I have not received any response from them. I am seeking your assistance in resolving this matter promptly. 

Details of the inaccuracies and required corrections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$320.00} Original Creditor : XXXX Please remove this account from my credit report. 


Account Type : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX  Please remove this account from my credit report. 


Account Type : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Original Creditor : XXXX Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2024-01-04 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: TX

Complaint narrative:
I'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. Kindly assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: NC

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.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 2024-01-04 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: Blackhawk Network Holdings Inc.
State: DC

Complaint narrative:
I purchased 13 virtual prepaid cards ranging from $ XXXX {$250.00} per card that came with codes to access the cards, upon attempting to redeem the codes via the company website I received errors for each of the codes. The company has been unhelpful in replacing the faulty codes or refunding me for the transactions. I've exhausted efforts to resolve with them directly. I've attached a file that includes each code and the respective errors I received, I also attached my proof of purchase for each card listed and a screenshot example of the error the website shows when trying to redeem. 

See codes below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-04 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: OK

Complaint narrative:
A charge was made on my card to '' XXXX '' I contacted " : XXXX and they have no record of any transaction with me. Yet the Vanilla gift card customers service reps claims there is a charge to " XXXX. What is going on. They put a hold on my card and tell me it will not be resolved until XX/XX/XXXX. AND I CAN NOT ACCESS MY MONEY TIL TRHEN. THEY ARE VERY RUDE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NC

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: HOME ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
In XX/XX/2023, I engaged an online company called XXXX XXXX. My case number with that company is XXXX. The purpose was to work with this company to resolve my IRS tax debt which was approximately {$5000.00} or more. I worked with XXXX XXXX to contact the IRS and arrange for me to have an IRS payment plan for {$100.00} per month. They barely saved me {$40.00} per month over my previous IRS payment plan. 

At the same time, XXXX XXXX convinced me to sign up for a separate payment plan to pay for their services, with a loan company named XXXX XXXX XXXX They put me on a payment plan for {$160.00} per month. XXXX  considered this a personal loan and reported it on my credit. Now, I'm on the hook for {$270.00} per month which pays off much higher than the original debt I owed the IRS in the first place. I have included the website for XXXX in this complaint. 

Now, I believe that this entire thing was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: Southwest Stage Funding
State: NC

Complaint narrative:
I believe the account is invalid. CASCADE FINANCIAL SERVICE ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CASCADE FINANCIAL SERV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: Newport Intermediate Inc.
State: MA

Complaint narrative:
I was provided with a prepaid debit card from XXXX XXXX XXXX which was fulfilled by North Lane Technologies. I had trouble using the card toward the end of the funds because it always had to be for an amount less than what was left on the card. I was unable to complete partial purchases with this at the retailers I tried. Because of this, I still had {$31.00} on the card. I had given up for a while and removed the card from my wallet. After a recent move, I found the card again, and wanted to try to utilize the rest of the funds. I noticed that the card expired in XX/XX/XXXX, so I contacted North Lane on XX/XX/XXXX to get a new card. I had read that while cards themselves can expire, the funds on them can not. Later that day, North Lane said they can not and will not provide me with a new method of accessing my funds. They said " According to the terms and conditions set forth in this program and detailed in the information delivered with the card, this account can not be reissued. '' This seems to go against everything that I have read about funds not being able to expire. Additionally, I do not recall receiving any such conditions when I received the card. I reached out again on XX/XX/XXXX and told them that I would report them to CFPB and they responded back on XX/XX/XXXX stating again that they can not reissue me the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I should not have a child support account on my credit report. Yet Experian refuses to remove it. 

Forcing me to be unable to purchase a home.

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 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX This was the last complaint number for cfpb. The company responded stating XX/XX/23, that if the {$550.00} provisional credit they had isssued while investigating was found in my favor that the provisional credit would be permanent & the fees associated with this fraudulent transaction would be removed & my account balance {$0.00}? I also received two letters dated XX/XX/23 one stating that the {$550.00} was found in my favor the second letter stating I was mailed out a new replacement card? But I called & was told my account is in the ally bank collection dept? No card has been sent to me?? Conflicting information from ally bank?

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 monetary relief