vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: SC

Complaint narrative:
I purchased 4 Visa gift cards from XXXX on XX/XX/year>. I saw that two of them had been tampered with. The last 4 digits of the card of the card was scratched off and the CVV code was also scratched off. I contacted Incomm the same day notifying them of the problem. At the time of the call, I was told that the balance was still on the cards and that I would get replacement cards in 7 to 14 business days. I kept calling and getting the run around to keep calling back and look for my cards in the mail. Today, I received an email denying my claim and stating that my balance would not be sent to me. I am now requesting a full refund with fees. I no longer want the replacement cards after waiting over 30 days for a response. My ticket numbers for these claims are XXXX and XXXX. I also purchased two cards today with the same issue. I would like a refund for those as well because I don't believe that they will replace my cards after the first claims. The claim number for the new one are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There are numerous inquiries in my report that i don't recognize. These are fraud and i want them to be removed as soon as possible. I am in the process of making my home improvement and i can't move forward because of those inquiries. Kindly remove them as soon as possible : 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 non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) and on Experian its ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX ; Account 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 2024-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I have a 20 year old credit card debt of {$750.00} and they threaten to garnish one of my son 's account which I am only on as a cosigner but I do not use that account that is my son 's account. And they garnished {$1600.00} out of his account after they asked me for his bank statements and pay stubs to show that I didn't use that account but now I didn't show for a XXXX meeting and they said that it is their money now. I thought the statue of limitations was 6 years but apparently it's 20 plus. The debt collector is XXXXXXXX XXXX XXXXXXXX in XXXX Minnesota

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These Hard Inquiries Don't belong to me, hasn't being authorized being authorized by me and has to be removed. also this as well. Thanks hardinquiry 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 explanation
Consumer complaint received 2024-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently made timely payments on this account, never missing a due date. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

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 2024-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fair Capital
State: TX

Complaint narrative:
I received a letter from Fair Capital XXXX  a debt collector stating that I owed {$740.00} as of XX/XX/2024 for an Account with XXXX XXXX. Upon receiving this letter I contacted my attorney XXXX XXXX XXXXXXXX, and they sent a cease-and-desist letter dated XX/XX/2024, through usps mail. Along with the letter it had my XXXX bank statement showing that I had paid the account and monies owed, and that the amount they were trying to collect was invalid. The usps tracking information showed that Fair Capital XXXX had moved or left the address. On XX/XX/2024, I received an email from XXXX XXXX  stating I had a collection reported through XXXX from Fair Capital XXXX of a debt collection. I researched the information on XXXX XXXX  and found a collection in the amount of {$1400.00}. I do not have an outstanding balance and I do not owe any monies. I have attached my bank statement that shows when I paid XXXX XXXX and the XXXX XXXXXXXX XXXX XXXX account showing XXXX monies owed. Additionally, Fair Capital XXXX provided a invalid mailing address. My XXXX  was removed from XXXX XXXX due to discrimination on XX/XX/2024. We were never outstanding on any balances, and I am presenting the attached records. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These Hard Inquiries Don't belong to me, hasn't being authorized being authorized by me and has to be removed. also this as well. Thanks hardinquiry 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 non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These Hard Inquiries Don't belong to me, hasn't being authorized being authorized by me and has to be removed. also this as well. Thanks hardinquiry 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 non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE BEEN A VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRCT FORM MY CREDIT REPORTING WHITN 4 DAYS INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I looked at my report yesterday on XXXX XXXX and I noticed several inaccuracies and incomplete things on my consumer report. According to the FCRA consumer reporting agencies should follow reasonable procedures to assure maximum possible accuracy of the info concerning my report in which it relates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows/has reasonable cause to believe that the information is inaccurate.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a dispute on XX/XX/year> for a XXXX XXXX creditor thats not mine and still on my credit file when it shouldn't be. I won a judgment in my favor on XX/XX/year> against the creditor but they have not removed the account from none of the 3 bureaus. I submitted court documents showing in my favor, Experian sent me an email on XX/XX/year> saying they resolved my dispute but they did not the creditor is still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: NH

Complaint narrative:
I contacted Chime customer support on Sunday, XX/XX/XXXX, regarding this issue and the agent responded that it was of serious nature and would contact XXXX to fix it. I have not heard back from Chime and my XXXX account portal reflects the same old information. 


Chime Financial Attention : Corporate Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Failure to ReporXXXX XXXX XXXX XXXX XXXX Credit Card to XXXX To Whom It May Concern, I am writing to express my extreme frustration and anger regarding a critical issue with Chime 's XXXX XXXX XXXX XXXX Credit Card. Several users, including myself, have noticed that Chime has failed to report our XXXX XXXX card activity to XXXX since XX/XX/year>. This issue has persisted for months with no resolution in sight. 

Despite Chime 's claim that the XXXX XXXX card reports to all three major credit bureaus, it is evident that only XXXX and XXXX are receiving updates. This blatant discrepancy is negatively impacting our credit scores and defeating the purpose of using your product to rebuild our credit. 

We, the affected customers, are in a state of disbelief and frustration due to the lack of updates on our credit reports with XXXX. Payments made and balances maintained are not being reflected accurately, which is causing significant harm to our credit profiles. Furthermore, our attempts to dispute this with XXXX have resulted in responses from Chime stating that the information is up to date when it clearly is not. We have substantial proof, including screenshots, demonstrating that Chime is acting negligently and maliciously. 

Your failure to report accurately to XXXX constitutes false advertising, as your product does not fulfill its stated purpose. Moreover, this negligence is a violation of the Fair Credit Reporting Act. Ignoring these issues and silencing customer complaints by deleting or hiding comments is unacceptable and unlawful. 

If this matter is not addressed immediately by your corporate office, we, the customers, are prepared to take legal action, including filing a class action lawsuit. We are in communication with each other and will not hesitate to pursue all legal avenues available to us. You have a legal obligation and duty to rectify these errors on our credit reports without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
Date of Incident : XX/XX/year> Application Reference Number ( if available ) : XXXX Company : JP Morgan Chase Product/Service : Chase Freedom Credit Card Description : I am submitting a formal complaint regarding the unfair treatment I received from JP Morgan Chase in the process of applying for a Chase Freedom Credit Card .

Timeline of Events : 1. On XX/XX/year>. I applied for the Chase Freedom Credit Card and received an email requesting that I must confirm my identity by submitting proof of current physical address and proof of date of birth. 
2. I submitted the required documents through their portal. A XXXX XXXX ( that is part of the XXXX ) drivers license, my Passport and my Social Security Card.

3. I called to verify receipt of the documents and they confirmed that the documents were received.

4. On XX/XX/year> I received a letter stating that my application was denied due to fraud. However, if the application is valid, please contact them. 
5. I called again and spoke with a representative who confirmed my identity by sending me a code through text message. The representative assured me that my application would be reviewed, with a resolution expected in one to two weeks.

6. After two weeks, I had not received any new notification about the status of my application. I called Chase again, and they were initially unable to locate my application, even with my Social Security number. When they eventually found my application, I was told again that it was denied due to fraud and that I should either reapply or visit a branch. 
This situation has caused significant inconvenience and stress. The repeated denials, lack of clear communication, and contradictory information from different representatives have been frustrating. Moreover, the credit inquiry has negatively impacted my credit score. 

As a resident of XXXX XXXX, the suggestion to visit a branch is impractical as there are no Chase branches available here. I was referred to Chase by other satisfied customers in XXXX XXXX, which makes this experience even more disappointing. 

Request for Resolution : I seek a reasonable and clear justification for the denial of my application because I was under the impression that I was fully verified by providing all the necessary documentation and confirmation trough the phone. 
If JP Morgan Chase can not provide a valid reason or authenticate my identity through alternative means, I request the removal of the credit inquiry from my credit report. 
I appreciate your attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with explanation