vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: KY

Complaint narrative:
On XX/XX/XXXX I purchased a fan card mastercard with a balance of {$500.00}. I attempted tlo use the card at multiple merchants and it was declined. I called incomm support and they told me there was an activation issue and to send in a copy of the card etc to XXXX with case number XXXX. I sent the email on XX/XX/XXXX. I called on XXXX for an update as the card is still unusable. They were not able to give me an update. I informed them that I would be opening a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: TN

Complaint narrative:
The company XXXX XXXX this account and made it a charge off account. Then they started back charging me and continue to report on my account making my credit go down. They are reporting it as past due/negative marks. This is incorrect as this account was closed. I have disputed with the company along with all 3 credit bureaus, but they continue to say it is accurate and it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XXXX/XXXX Bank of America contacted me about unusual activity for {$14000.00}. The fraud department is the one that called, kept me on the phone for over two hours. At the end they told me to go to the branch to reverse the charges which I had to be identified and spoke to the fraud department again on XX/XX/XXXX and XX/XX/XXXX. They reversed the charges and submitted a claim. 

Now on XX/XX/XXXX they denied the claim and the fraud charges. They are the ones that contacted me stating about the unusual activity and I had to close my checking, savings and change my username and password on online banking. I called the fraud department again on XXXX as to what happened and all they told me is that the denied the claim and the charges that are fraud are my responsibility to pay. I reopened the claim again stating I did NOT make these charges nor I will pay. 

I need help as I dont understand they are the ones that contacted me and yet denying the fraud charges now making the payment my responsibility. I am a XXXX  and work full time and I dont have time with the banks nonsense when I have patients to take care of.

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
Consumer complaint received 2024-08-01 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 am writing to formally report persistent issues with fraudulent items on my credit report and the failure of credit bureaus to adhere to the Fair Credit Reporting Act ( FCRA ) guidelines. Despite my repeated efforts to resolve these issues, inaccuracies continue to be reported, which significantly impacts my creditworthiness and financial well-being. 

The specific fraudulent items on my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the following credit inquiries, which are not authorized and potentially fraudulent, appear on my report : 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 Despite previously disputing these items and having some removed, they reappear on my credit report without proper notification or verification as mandated by the FCRA. The credit bureaus have failed to notify me of these reinsertions as required under 15 U.S.C. 1681i ( a ) ( 5 ), which mandates that if information is reinserted, the bureau must notify the consumer and provide relevant details.

Under the FCRA, specifically 15 U.S.C. 1681i, I have the right to dispute inaccuracies, and the bureaus are obligated to conduct a reasonable investigation and correct or remove disputed items. The repeated insertion and reporting of these fraudulent items without proper investigation and notification violate these provisions and undermine my ability to maintain an accurate credit report.

I request that the FTC investigate these ongoing issues and take appropriate action to ensure compliance with consumer protection laws and fair reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: OH

Complaint narrative:
To whom this concerns, Good afternoon, my name is XXXX XXXX and I have been looking into my credit a little closer recently and have noticed quite a few items that do not appear right. I have been wondering why I have been getting denied any kind of credit and it has really taken a strain and hardship on my life. Please if you could take a look into this matter for me. I have tried disputing before and no one really seems to care. Thank you for your time. 
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX {$420.00}. Has violated my rights. I am not the owner of this debt. Debt was settled with original debt holder.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions

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 2024-08-01 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: OH

Complaint narrative:
To whom this concerns, Good afternoon, my name is XXXX XXXX and I have been looking into my credit a little closer recently and have noticed quite a few items that do not appear right. I have been wondering why I have been getting denied any kind of credit and it has really taken a strain and hardship on my life. Please if you could take a look into this matter for me. I have tried disputing before and no one really seems to care. Thank you for your time. 
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX {$420.00}. Has violated my rights. I am not the owner of this debt. Debt was settled with original debt holder.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group
State: NM

Complaint narrative:
Complaint of the {$4.00} per day charge to carry this loan, not on invoice with the monthly charge of {$33.00} on XX/XX/year> mailed invoice. This call to Foundation Finance on XX/XX/year> at XXXX. After communication complaint to the company an online complaint was filed by the XXXX XXXX XXXX XXXX Wisconsin # XXXX. Referred to your division was my initial complaint to the Department of XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
Another " debt collector '' calling several times back-to-back, " XXXX XXXX XXXX '' called me XXXX times today. I do not know why the step up in harassment has occurred lately, but it is unacceptable. Please do something to ensure that owning a phone doesn't become an intolerable nuisance. They spoof local numbers to make it seem like they're a local caller. Blocking the number is useless because they will simply spoof another number, usually several within the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach, AND as a result of my ex-wife, XXXX XXXX, using my information during our marriage unbeknownst to me. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously AND PERMANENTLY or I will be suing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

I have sent you copy of my police report and FTC report over 10 times through CFPB showing I was a victim of identity theft along with my SS card and passport.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

I have sent you copy of my police report and FTC report over 10 times through CFPB showing I was a victim of identity theft along with my SS card and passport.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Sometime in XX/XX/year>, I received a notice that someone tried to get a credit card from XXXX XXXX XXXX. I called the number on the notice and told the bank that it was not me, they told me that would take care of it including removing the inquiry from my credit report. As of today,XX/XX/XXXX, the inquiry still shows on my Transunion 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 2024-08-01 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: WI

Complaint narrative:
My account with XXXX XXXXXXXX, XXXX XXXX XXXX & XXXX XXXX was never late ! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


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


XXXX, XXXX, XXXX XXXX, XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX37 ( b ).

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


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8

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 2024-08-01 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:
I was reviewing my consumer report and noticed these frivolous items that do 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 non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The late payment on my account is a major concern for me, as I have always been prompt with my payments. This error is causing me significant anxiety, and I request that you correct it by removing it from my account as soon as possible.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
I looked at my report and noticed some things are inaccurate and according to the Fair Credit Reporting Act. Whenever a Consumer Reporting Agency prepares a consumer Report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates to MOHELA XXXX is not complete and accurate. Eight accounts that appear on my Consumer Credit Report. XXXX. {$2200.00} XXXX. {$3000.00} XXXX. {$3500.00} XXXX. {$6100.00} XXXX. {$3500.00} XXXX {$6000.00} XXXX. {$4500.00} XXXX. {$6000.00}. According to 15 USC 1681s-2 Relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter. If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: IN

Complaint narrative:
Transunion and XXXX is reporting fraudulent accounts on credit profile with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX did an investigate deleted all of these items. I am victim of identity theft which I do have a personal statement on. my credit profile stating this and I turned in a FTC to show them and a police report. I even turned in a letter I gotten from XXXX about them removing the account from my credit report. I want theses accounts to immediately blocked and removed from my credit report. Legally I can also get credit reporting companies to remove fraudulent information and debts from your credit report, which is called blocking. FCRA 605B ( 15 U.S.C. 1681c-2 ).

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 2024-08-01 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:
I'm quite troubled by the inclusion of this late payment on my account because my payment history has always been timely. This error is causing me distress, and I ask that you rectify it by removing it 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 non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
My ex-husband filed for bankruptcy on XX/XX/year>, and our divorce was final on XX/XX/year>. I am not included in the bankruptcy and did not file with my spouse, but the debt of {$460.00} from XXXX was included in my Ex-husband 's bankruptcy ( XXXX XXXX XXXX ). 

This debt does not belong to me and will need to be removed from my credit report as soon as possible. I learned that it was in the collection by my XXXX membership, not the collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I owe over {$220000.00} in private student loan debt from my studies at XXXX XXXX  from XXXX through XXXX more or less. These loans were predatory in the sense that I was promised a job since all professors from the XXXXXXXX XXXX XXXX were also lawyers and most had their own practice. My counselor at the time had me signing for private student loans and would simply just tell us to sign the form under the pretence that this would guarantee a high paying job and using the XXXX  since they are a XXXX school and utilize that as a tool for us to trust enough to sign without having to read anything. Paperwork was always done in the counselors office and he had it ready only for signature and nothing else. I was working for the state during my studies there and wasn't making enough money so I trusted their promises to guarantee a job with a professor then found that it was all a lie and there were many of us that were all promised the same. on XX/XX/XXXX I filed a " borrow defense discharge '' application # XXXX, with studentaid.gov, based XXXX same information I just described. On the Navient site under Private Student loans, they offer the ability to apply for something similar and refer to it as " school misconduct '', so I called to let them to ask XXXX an application as they direct on their site, and when I asked the Rep she said that I didn't qualify for it without gathering information or giving me a simple explanation. I asked her how she could know that since I hadn't even had a chance to apply which was contrary to what they advertise on their own site, and asked what their process is for someone like me who is claiming school misconduct from the school that the loans I owe are from ( XXXX XXXX  ). She couldn't or simply didn't explain why I couldn't apply or give me any guidance whatsoever on how to dispute these loans, although the Navient site offers this in writing. Please help! I am a victim of school misconduct and Navient just wants their money and I need help.

Company response to consumer: Closed with explanation