vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.
State: SC

Complaint narrative:
This is not a duplicate complaint and I requesting for the company, Grain app to respond. The Grain app is reporting inaccurate information about my account. The account states on my credit report that it is in collection but my statement is reporting that the account is in a current status. I have been contacting the company and they are not responding to any of my messages in an attempt to get a link for a payment. I believe that this is defamation of character and is being done intentionally. I have attached the Grain app statement. I would like for this information to be deleted completely from my credit report. 


Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-12 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: NJ

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: GA

Complaint narrative:
I. Introduction : I hereby submit a formal complaint against TransUnion for XXXX discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with TransUnion, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that TransUnion has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : TransUnion is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : TransUnions actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : TransUnion has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter becasue its been a year

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 2023-10-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: GA

Complaint narrative:
I didnt give authorization to pull my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion have fail to comply with Federal Law. 
1.The following personal information is incorrect. 

Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX 2.There Should be no late payments on this account. XXXX-Act # XXXX XXXX XXXX- Act # XXXX PAID AS AGREED IN INSURANCE CLAIM AS A TOTAL LOSS 3.Unauthorized inquiries Inquiries XXXX XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX- XX/XX/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 2023-10-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: KY

Complaint narrative:
The date today is XX/XX/2023. I've been trying to activate a prepaid virtual card worth {$50.00} with the company MyPrepaidCenter ( online via their website ). I tried entering the code and it says " oops! There's an error on our side. Try again later. '' I even tried registering and making an account with them but got the same error message when trying to sign in. The site is completely broken. 
So I called the company to get help. They asked me what browser I was using and I told them I tried on XXXX and XXXXXXXX XXXX. They told me I needed to redeem my code by using XXXX XXXX and if I have any issues after that, to call them back. The operator told me he wasn't allowed to stay on the line while I downloaded the browser. I told him that was fine and if I had issues, I'd give them a call. 
I downloaded XXXXXXXX XXXX, tried again, and still had the same issues. I called back and left my email with a different male operator. According to him there's an issue with my code that makes it broken and this is a known issue. He said I would be emailed a new code and I've yet to receive an email. Checked my spam folder and everything. No code, link, or anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: MI

Complaint narrative:
Placed an order with XXXX for the first time XX/XX/XXXX and my order never showed up, treied contacting the carrier and merchant that same day and got absolutely no help. Attached is proving that the merchant XXXX XXXX has never attempted to contact me regarding my order after I tried multiple times to get in contact with someone. I emailed them via their chat system multiple times and all I received back was an automated email saying " Thank you for your message ''. The next attached picture shows you my inbox from when I filter only messages from XXXX XXXX, as you can see every message from them is a generic automatic email but nothing shows them ever attempting to contact me. The message from XX/XX/XXXX is the first screenshot I provided. Next screen shot shows you they have absolutely no phone number for customer service, email only. Now the next screenshot is showing all of the multiple times I have gone on their chat/email and tried to notify them of what was going on, once again generic automatic message with no follow up. Call a location in Florida and they can't help with online orders. 
This company has no reviews for their online website anywhere to be found and is not accredited business on XXXX  where I filed a separate complaint. At this point I feel like their website is a SCAM because how do you have 0 customer service for expensive items as such? Hoping this can help get things resolved, it is now the year XXXX and this company still has no form of contact for online orders so Im just stuck with a debt between XXXXTrueAccord.com they just bounce me around and provide no help, just want me to pay for a product that was never delivered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: GA

Complaint narrative:
XXXX actions were in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ). Inaccurate credit reporting can harm a consumers ability to get a loan, and it can also harm the interest rates that they do qualify for in regard to loans they are able to obtain. It can even affect an individual consumers employment prospects. Therefore, it is very important that a consumers credit information is collected, reported, and shared accurately. Violations of the Fair Credit Reporting Act by a defendant can provide consumers with statutory damages and actual damages. It can also entitle consumers to have their attorneys fees and court costs paid for as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One closed my account and will not answer my phone call. when you call on a closed account they put you to a voicemail which states " if we believe your call is important we will return your call ''. No one has returned my call and they continue to withhold my {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-12 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received this card as a gift. After registering the card, I've tried using it online but the card declines. On XX/XX/2023 I contacted American Express about this and they stated that they " are protecting my funds '' and to " please use at online merchants that require the Card number, expiration and security code ''. This appears to be a common issue with this card but the company will not acknowledge that there is a problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Skrill USA, Inc.
State: MN

Complaint narrative:
My money was taken out of an ATM belonging to XXXX. They told me I needed to contact my checking company who I use my debit card with which is Skrill. The ATM acted like it dispensed my money and then gave me nothing didn't even open the drawer {$200.00} was lost I've been asking Skrill to file this claim so that XXXX XXXX can initiate an audit but they have yet to respond to me even by email I've asked them to file this and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX / XXXX Account # XXXX, has violated my rights. 

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 furnish 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 2023-10-12 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: TX

Complaint narrative:
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : # XXXX XXXX Account Name : XXXX  Account Account Number : # XXXX - {$0.00} Account Name : XXXX  Account Number : # XXXX - XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or 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 non-monetary relief
Consumer complaint received 2023-10-12 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: MO

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2023-10-12 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: NY

Complaint narrative:
I received a copy of my consumer report and its reporting the two accounts that I previously disputed as verified. Im requesting validation pursuant to the FDCPA 15 U.S.C 1692g of these accounts in addition to providing a description of how you certify that the information was complete and accurate. If you can not provide me with factual evidence to support how the accounts below were verified as complete and accurate, you must delete them immediately. 

NAME : XXXX XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 

XXXX XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This address is unknown. Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX, NY XXXX This address is unknown. Please delete this address and any account associated with this address. 


EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX : This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 XXXX XXXX XXXX : This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 INQURIES : XXXX XXXX XXXX Inquiry date XX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 


XXXX XXXX NA Inquiry date XX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 


XXXX XXXX NA Inquiry date XX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 


XXXX XXXX Inquiry date XX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 


XXXX XXXX date XX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file.

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 2023-10-12 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: FL

Complaint narrative:
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.

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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: KEYCORP
State: NY

Complaint narrative:
my account went into forbearance due to the covid 19 pandemic, and after the forbearance period ended i tried to make payments and additional payments to catch up on my debt the return the monies as overpayment and started foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: Rosebud Economic Development Corporation
State: MS

Complaint narrative:
I have received multiple emails from this company asking me to sign loan documents that I never requested. They have unlawfully accessed my credit without any authorization. They also continue to harass me with offers after I have requested via email and phone for them to stop.

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