vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax recently issued prepaid XXXX debit cards to people as part of their data breach settlement. I received one for a whopping {$7.00}. I went to the website and registered/verified my card information. A virtual prepaid debit card for such a low amount is next to useless, so I tried to add to my XXXX gift balance, as that is something you can usually do with prepaid debit cards. XXXX tried to process this but said it was declined. I was shocked that XXXX wouldn't accept a XXXX so I called the XXXX XXXX XXXX number and asked why it was declined by the largest online company in the world. I was told that this particular card is only accepted by select merchants, something that was not made clear in the card information ; he emailed me the list of merchants and it's true, XXXX was not included. It is a very narrow list of merchants that will accept this debit card. Also, if XXXX wanted to request this card be converted into a physical card - something that would be much easier to use - there is a {$3.00} fee. So a {$3.00} fee taken away from {$7.00} would make this worth {$4.00} if you got a physical card. So essentially, Equifax chose the most inconvenient method to XXXX out these payments. They purposefully chose to do this as prepaid debit cards to make it harder for people to actually use this money. That is a whole other scam onto itself and deserves its own lawsuit. Plenty of other companies involved in settlements like this very easily issue their payments via things like XXXX, XXXX, XXXX, even mailing physical checks. Those are all easy to use and they are very clearly options for these companies as it happens ALL THE TIME. I've gotten payments from multiple settlements before and all were easily done via those methods I mentioned before. Equifax very clearly chose to do it in this insidious manner because they know the vast majority of people receiving these " payments '' thru prepaid cards won't even use them because it's so inconvenient to do so. It is almost laughable the lengths to which Equifax will go to make sure people do not use this money. The fact that this is connected a lawsuit about a data breach that probably caused a lot of people grief and money is insane. It's an insult to everyone, and it is sickening that it's allowed to use these scam tactics to pretend to right any wrongs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: IL

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX {$34000.00} XXXX XXXX {$0.00} XXXX  XXXX {$550.00} XXXX XXXX {$20000.00} XXXX {$0.00} CREDIT COLL {$1300.00} XXXX XXXX {$0.00} XXXX {$1200.00} XXXX XXXX  {$1300.00}

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 2024-12-15 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 2024-12-15 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 am writing to file a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I previously disputed the following accounts on my Experian credit report, which were found to be inaccurate and subsequently removed : XXXX Balance XXXX {$800.00} Credit Limit XXXX {$750.00} Account Number : XXXX Status : Closed Date Opened : XX/XX/XXXX XXXX Bank Balance : {$1700.00} Credit Limit XXXX {$1100.00} Account Number : XXXX Status : Closed Date Opened : XX/XX/XXXX However, these accounts have been reinserted into my credit report without any notification from Experian within the required five business days.

This action is a direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 

I have already contacted Experian regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that Experian complies with FCRA regulations and corrects this issue immediately. 

Attached are copies of all relevant correspondence, including my official police report, FTC Report, and confirmation of the account 's removal.

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 2024-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EA Holdings Corp.
State: IL

Complaint narrative:
Hi, XXXX XXXX Ive gotten approved my the most worse low money hungriest loan lender purchasing a car and was really forced! Only because my credit wasnt so good! So ive been had my car since XXXX last year of 2023 at XXXXXXXX  in XXXX IL. They have a lender that is called Easy acceptance  in XXXX IL! They bugs me constantly to pay my car note Ive never missed a payment until start to bug meee! Than if I dont pay or try to communicate Ill pay the double fees, THEY LITERALLY CUTS MY CAR OFF last week I was out the country miles away from my son which is XXXX XXXX XXXX and my sister is XXXX with a driver licenses in the cold below XXXX outside cuts my car off and they were they for hours calling I have screenshots of them calling and calling more than 100 times sadly to at least cut it on for an hour to at least get home at XXXX at night! Not knowing the car WILL JUST shut off! I had to make it back home change my flights and everything cause I sent my money to my sister she blew me up at XXXX in the morning! XXXX here central XXXX XXXX she finally gets in touch with Easy appectance XXXX last time before they closed at XXXX which was XXXX asking her do she have the money my baby sister said no my sister is out the country rn she did say she had to pay her car note to me but right now she is not here I have her son in the cold can you turn car back on for an hour and HUNG UP ON HER! I am tired of this PLACE THEY DONT DO NOTHING RIGHT WHEN I FIRST Got MY CAR IT STAYED IN THE SHOP! In theirs I put money into this car my last! I do not have an set schedule so but I am pay my car note I cant even get them to understand hard times if you look into them THEY REVIEWING IS 2.2 wow! And so many shameless people they are scamming!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management has been trying to collect credit card debt that is a result of identity theft. I have constantly stated that this account open with XXXX XXXX XXXX was opened when I was underage and I did not approve or had permission to open. Midland Credit Management continues to harass me with emails and mail. I confirmed with XXXX XXXX XXXX  and they reported that a different Date of Birth is on their account and will not be able to provide account information for that reason. I have mentioned this to Midland Credit Management and they still dont stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I had a kolhs card that changed into a general credit card to capital one during this process which I never agreed to I was contacted by capital one telling me of a ballance due. I didn't recognize the amount so I asked for my statements to be mailed to me. The next statement I received had fraud I called capital one and told them that I didn't make those charges. Also that I needed the XXXX prior statements to check for fraud on them as well. The fraud representative was very mean and told me that I made those charges and even after I said they where made in a store in another state he continued to question my claim being very rude. I never have received any of the prior statements. they have contacted me again regarding payment due and i simply stated that I had fraud on my account and need the prior statements to confirm there isn't anymore fraud and to have them mailed to me and until I can check those I will not make payments to them for fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: WA

Complaint narrative:
I have booked a rent-a-car from XXXX ( XXXX property ) and I paid the rental feel with my XXXX XXXX card on the web site. It was a car in XXXX where I and my family were traveling to. When receiving the car on XX/XX/year>2024, the rental car requested that I put a deposit for the car in the amount of XXXX BGN ( or {$1600.00} at the time of the transaction ). Because the rental car company did not accept XXXX XXXX, I used my VISA credit card ( XXXX  XXXX XXXX XXXX operated by Bank of America ) to pay for the deposit. While the amount sounded high, I did not assume that I will be scammed with this money by the rental company. They gave me a broken car ( I can provide pictures and additional details if needed ) that I returned within a day. However the rental car did not return the deposit although they claim they have returned it on XX/XX/year>2024. I have filed a claim # XXXX with Bank of America 's claim department but they several times declined the claim citing that this is a valid charge.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In keeping with federal guidelines and applicable state mandates, no being can report injurious details if diverged from ethicalness, truth, fairness, accuracy, adequate completeness, necessary timeliness, verifiability, validity, and/or certifiable compliance of reporting mandates elsewise. 

Particularly of an infraction is if and when a reporter ( s ) and/or any receiving repository ( ies ) act willfully NON-obediently and/or in seeming negligent ignorance and/or be it with reckless abandon as related to expectations and actual credit reporting behaviors. 

Failure to ensure adhering to established credit reporting standards does NOT necessarily lend to factually erroneous or incomplete claims being allowed to report injuriously and unfairly so versus a consumer ; however, it is not contestable that the very deliberate nature of standards in the industry is to better afford participants to act in greatest accord to vicissitudes legally. 

Hence, the CDIAs own CRRG manual detailing the requisites for alleging consumer information, within the imperiously exercised XXXX XXXX Data-filled Field Formatted reporting standard ( s ), of which there can be no deviation from without endangering the integral probity let alone rectitude of claim ( s ) made by any reporter and accepted by any repository of consumer credit facts.

It is lack of provable integrity that lays the very foundation for a potentially injured consumer to be concerned of any claim ( s ) s not yet documented data forwarded that lacks certainty of fact.

For this and other reasons I will outline further below, I DEMAND THAT YOU REMOVE NOW AND for good THIS CURRENTLY IMPROPERLY recorded ALLEGATIONS, be it inept due to reporter failure to satisfy privilege to report, or be it due to any involved body of claim to successfully navigate through and beyond the challenge I have presented and demanded of each such company ( ies ) to confirm detailed evidence demonstrating factual certifiable compliant reporting procedures, practices, and standards were absolutely adhered to in full accordance of mandates that any MUST have obeyed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase didn't make available funds that were in my account which I should have been allowed full access to. They refused to cooperate or explain and didn't answer any of my questions and It caused me huge inconveniences.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: GA

Complaint narrative:
This report highlights the ongoing noncompliance by XXXX and Transunion in addressing multiple violations under the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes and requests, XXXX has failed to validate or verify disputed items, provide necessary documentation substantiating alleged debts, and address unauthorized credit inquiries on my report. This has been happening since XXXX XXXX XXXX, and I have not been receiving proof within the XXXX period or at all. I would have to check online without proof that things had been validated.

I am also attaching letter that I have request for proof of permission for hard inquires.

Key Issues Reported : Failure to reinvestigate disputed items within the legally required 30-day period, as mandated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Lack of evidence proving my legal obligation to pay alleged debts, contrary to FCRA and IRS Code requirements under 26 U.S.C. 6050P.

Unauthorized hard credit inquiries without my explicit written consent, violating permissible purpose requirements outlined in 15 U.S.C. 1681b ( a ).

These actions have caused significant damage to my creditworthiness, financial opportunities, and emotional well-being. I demand immediate resolution, including : Removal of all inaccurate and unverifiable information from my credit report. 
Written confirmation of these corrections. 
Compensation for the harm caused, as permitted by the FCRA. 
If these issues are not addressed, I will pursue legal action under the FCRA and FDCPA and report the violations to the FTC, CFPB, and my state Attorney General.

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 2024-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
TransWorld Systems Inc. a collection agency which I never dealt buniness with or signed a contract. Whithout any initial contact with me, Reported my name to all XXXX Credit Bureaus Agencies, cause my credit Scores to drop XXXX points ; regarding an alleged debt of {$190.00} from a Utility Company name ; XXXX XXXX XXXX. another company that I don ; t even know or opened utility service in XX/XX/year>. For several years My utility service have been always with XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: GA

Complaint narrative:
Dear XXXX, I hope this letter finds you well. I am writing regarding the above-referenced account in my credit report ( Account # : XXXX ). Please note that I am not disputing this account. However, I kindly request additional information for my records regarding this account. Specifically, I would like the following details : Date of first delinquency associated with this account. Date of the last payment made on the account. Date of charge-off for this account. I would appreciate your assistance in providing these details promptly in writing. If any additional documents or authorizations are required to process my request, please let me know at your earliest convenience Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-12-15 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: PA

Complaint narrative:
Unrecognizable accounts that I found listed on my credit report. The accounts listed below need to be removed due to not having any knowledge of their existence. I am a victim of Identity Theft. I do not recognize any of the accounts that Ive listed in this letter. I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Subject : Discrepancies and Inaccuracies on Credit Report To Whom It May Concern : I am writing to formally dispute the inaccurate reporting of an account that was charged off in XXXX. The original account belonged to XXXX XXXX XXXX and was later collected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since then, the dates of last activity and payment have been inconsistently updated across different credit bureaus. 

Specifically : On Experian, the date of last activity is reported as XX/XX/XXXX, yet the last payment is recorded as XX/XX/XXXX. 
On XXXX and XXXX, the account has been removed and marked as settled. 

However, I settled this account on XX/XX/XXXX. If the information is being sourced from the original creditor or the debt collector, the dates and amounts across all credit bureaus should align. 

Due to these discrepancies, the accuracy of these accounts can not be guaranteed. As a result, I believe the reporting is inaccurate and should be corrected or removed entirely. 

I kindly request that the CFPB investigate this matter and ensure that my credit report reflects accurate and consistent information. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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