vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 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: GA

Complaint narrative:
I, XXXX XXXX, hereby assert my rights as a private individual and consumer, as recognized by the FDCPA and FCRA. My personal privacy, safeguarded by Title 15 U.S.C 1681 ( a ) ( 4 ), has been consistently breached. It's essential to highlight that I have never granted written authorization, as stipulated in Title 15 U.S.C 1681 b ( 2 ), for these transactions to be publicly disclosed. Furthermore, my credit card, defined in Title 15 U.S.C 1602, has been utilized without my explicit written consent.

As outlined in Title 15 U.S.C 1681s, the duty to implement administrative measures falls upon your organization. I wish to bring to your attention the responsibility of the involved entities XXXX, XXXX, and Experian, as indicated in Title 15 1681 2 ( b ) for their lack of due diligence in maintaining accurate data. The presence of erroneous information on my consumer report has led me to file an identity theft report.

I emphasize that, pursuant to 15 U.S.C 1681 c-2 ( e ), these inaccurate accounts must be removed within 4 days of filing the identity theft report, not the usual 30 days. It's important to note that the unauthorized utilization of my credit card, in violation of Title 15 U.S.C 1602, does not confer any benefit upon me, the consumer, in accordance with Title 15 U.S.C 1681s.

I extend my gratitude for your assistance in upholding Federal Law during this recent revelation. This letter serves as an urgent request for the prompt elimination of the subsequent accounts from my credit 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

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 2023-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: DE

Complaint narrative:
I am writing to formally dispute the accuracy of certain information listed on my Experian credit report, as provided by your agency. I originally contacted Experian on XX/XX/XXXX to address the incorrect information detailed below. Despite the passage of time, I have not received any response or resolution from Experian. I am now seeking your assistance in rectifying these discrepancies. 
Account Details : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} ( Disputed Amount ) The reported information concerning XXXX is inaccurate. The original creditor associated with this account is XXXX XXXX XXXX XXXX, not the company indicated by your agency. I have never engaged in any contractual arrangement with this entity and have not been contacted by them. Furthermore, the reported balance of {$1400.00} is higher than my understanding of the actual amount. I hereby dispute this account in its entirety and request verification of the Date Opened and Date of First Delinquency. 
XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ( Disputed Amount ) The details provided for the account XXXX are also inaccurate. The true original creditor for this account is XXXX XXXX XXXX XXXX, not the entity stated by your agency. The reported balance of {$1700.00} exceeds the amount I acknowledge as owed. I challenge the accuracy of this account and insist on verification of the Date Opened and Date of First Delinquency. 
XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ( Disputed Amount ) The information presented for the account XXXX necessitates further investigation. While the original creditor is XXXX XXXX XXXX, I have not been contacted by XXXX. The reported balance of {$1100.00} is inflated and inconsistent with my records. As a result of these disparities, I dispute the entire account and demand verification of the Date Opened and Date of First Delinquency.

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 2023-08-28 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Barrett Financial Group, L.L.C.
State: NV

Complaint narrative:
On XX/XX/2023, I submitted the information requested to XXXX XXXX at Barrett Financial Group to apply for a mortgage loan. XXXX mentioned that he needed additional information to continue the application process since I worked less than 2 years at my current employment since I was a few months shy of two years. I provided additional information for him to contact my last employer since I do the same type of work, sales, but with a different title. 

XXXX only contacted my past employer once, but they didn't respond immediately. He called me on XX/XX/2023, suggesting that I hold off on the application since there were some issues with information showing on my check stubs that he needed clarification from my current employer about. I reached out to my employer to inform them about the issue and they quickly corrected it. 

I repeatedly tried reaching out to XXXX and his team to inform him that it was updated and I hadn't heard from him. I have a great credit score, I have been pre-approved from another lender but I was checking to see if I can get a better interest rate. I'm writing to CFPB because they ran my credit but didn't complete the process even though I informed them to do so and they ghosted me which is beyond unprofessional as a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: NY

Complaint narrative:
I am writing to formally dispute the presence of inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite the passage of time since my initial contact, I have not received any response from Equifax concerning the concerns I raised. I hereby provide a comprehensive overview of the inaccuracies that require immediate resolution : Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$320000.00} Issue : This account is not associated with me. I request that Equifax remove it from my credit report. 
Account Information : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Issue : The balance stated is imprecise, and the past due section is inaccurate due to a closed and charged-off status. I intend to discuss the discrepancies with the creditor. Until rectifications are made, I request that this account be marked as disputed. 
Account Information : Creditor : XXXX XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$32000.00} Issue : This account is not mine. I request that Equifax remove it from my credit report. 
Account Information : Creditor : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} Issue : The creditor is inaccurately reported, and the balance stated is higher than what I remember. I dispute the entire account due to these inaccuracies. Please verify the Date Opened and Date of First Delinquency. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is not associated with me. I request that XXXX  remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX Re : Notice of disputed charge to Account I am writing to dispute a charge of {$3100.00} from XXXX XXXX  to my Chase credit card account on XX/XX/XXXX. The charge is in error because I never received the item ordered ( a couch ) and subsequently was told by the seller that I will not be receiving the couch. I attempted to dispute directly with the merchant but they are not reimbursing unsecured creditors. I filed a dispute with Chase, but I cant dispute through the normal channels because the delivery of the couch was estimated XXXX weeks after purchase, but I was subsequently told I would not be receiving the item. 

I ordered the couch on XX/XX/XXXX with estimated delivery of XXXX weeks. I was then told there were delays due to supply chain issues. I then learned ( XX/XX/XXXX ) that XXXX XXXX  was being Assigned for the Benefit of the Creditors ( ABC ), but that our order might still be fulfilled. I later learned ( XX/XX/XXXX ) that the order would not be filled. I contacted the merchant repeatedly and filed a claim with the lawyers for the ABC, with no success. I have exhausted all efforts to resolve this directly with the merchant. 

I subsequently disputed the charge with Chase, but I was denied due to the timeline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28 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:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 explanation
Consumer complaint received 2023-08-28 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: WI

Complaint narrative:
Purchased Prepaid Visa from Vanilla to give to my son during travel outside the State. He made 1 small purchase which went through. 
He tried to make a 2nd purchase, and the card declined. I went to the website on XX/XX/XXXX ( Vanillagift.com ) to check balance of card and the site would not recognize my card. I called Vanilla at the XXXX to lodge complaint on XX/XX/XXXX They told me they " detected fraud '' and that there was a {$53.00} balance. I told them all the information on the card that they requested. They refused to turn the card back on. 

I told them I want a refund for the balance or a new card. They requested my address to mail out a new card and said I would receive one within 30 days, or they might request a copy of my original purchase receipt ( Which I have ).

I still have not received any communication from them. There is no contact information on the website for an address or even an email. The phone number is all they provide, with agents who barely speak XXXX and difficult to understand. 

There are hundreds of complaints about Vanilla gift cards online, along with one agency who said they have approximately 7 % complaint resolution. This could be potentially $ Millions of dollars scammed from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: OH

Complaint narrative:
at 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACT was allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my 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 I HAVE REQUESTED the accounts to be properly updated due to the fact that the accommodations requested during the timing did in fact qualify for the protection under the cares act.

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 2023-08-28 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: FL

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

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 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
An artist was going to pay for using one of my pictures online. Saying they would paid me for it. They sent me 2 online checks both being XXXX XXXX I deposited both Wednesday XX/XX/XXXX. They sent me more checks as wells I deposited them but this morning XXXX $ was taken out of my account saying the checks were returned. They were telling me that I had to sent money to her providers such as her art supplies provider XXXX $ and I sent more XXXX $ to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: NY

Complaint narrative:
I am writing to formally dispute the presence of inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite the significant time that has passed since my initial contact, I have not received any response from Equifax concerning the concerns I raised. I wish to provide a comprehensive summary of the inaccuracies that necessitate immediate rectification : Account Information : Creditor : XXXX  XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$340000.00} Issue : This account has never been overdue. I request that Equifax correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : The account has never been overdue. I request that Equifax rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$6200.00} Issue : The account has never been overdue. I request that Equifax correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$55000.00} Issue : The account has never been overdue. I request that Equifax rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$50.00} Issue : I request the removal of the late payment entry for this account. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit  : {$250.00} Issue : The account has never been overdue. I request that Equifax correct this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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 open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I took out a loan at TitleMax in XXXX, Georgia with my XXXX  XXXX XXXX XXXX as collateral, To pay for a funeral. I did not notice recently that nothing goes towards the principal ( XXXX ) dollars monthly payments go towards payments. I have seen a XXXX about the television news station XXXX on XXXX investigating the company. So I called and asked the young lady on XX/XX/XXXX at Titlemax, and asked her how much my payment goes towards my principal, and she hesitantly told me XXXX! You have to pay more besides your payment to go towards the principal. If I had known this upfront I would have gone another direction. I am a 100 % XXXX veteran, this has placed me in a field of nightmares. I later found out they are not supposed to loan active-duty soldiers at all! What about protections for us veterans? How could you take advantage of someone who has put their life on the line? For what so you can lie and cheat Vetrans! I feel sick to my stomach. I need help with this please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My wife made a transfer in my personal account like we have done in the past usually it take only a few mins to go threw. they placed a 3 day hold on my money which was my pay check causing fanatical harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief