vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: NY

Complaint narrative:
Was told that there was no monthly fee. When found that there is want to cancel

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been the victim of Identity theft and XXXXXXXX XXXX and have tons of information in my credit reports that is just wrong. Addresses from states all over the country when I have always lived in the same county. Names are incorrect, contact info, employers. Everything, and I have been contacted by debt collectors inquiring about companies I have never used or heard of. The CRAs " verify the info '' with the furnisher within 3 days and never send me a report or the results but everything is still in my report. I am finally receiving some help leaving through HUD but no one will rent to me with all of this crazy stuff in my reports. 

I have sent this letter over 3 times to each bureau and furnishers too with everything required like ID and Police / ID Theft reports but nothing happens and I get literally no 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 2023-09-10 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:
n accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2023-09-10 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:
n accordance with the Fair Credit Reporting act 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Delete all errors on credit report and my scores

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 2023-09-10 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: CO

Complaint narrative:
Wrong address and wrong name reporting on my credit. Already filed a report with the FTC

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reached out to Transunion on XXXX occasions about removing a False late payment from XX/XX/2021 XXXX. Transunion said they removed the late payment but its still listed on my credit.

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 2023-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
Requested itemized bill to verify the debt in XXXX, XXXX. Received itemized bill in XX/XX/2023. 

Reviewing the list of charges that I was led to believe they should not be able to have, as a XXXX violation, I have paid all these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I received a One Vanilla gift card with a generous balance of {$250.00} USD as a wedding gift from my brother. He had purchased the card from XXXX located at XXXX XXXX XXXX, XXXX, MA XXXX. I stored the card safely for emergency use, with no prior disclosure of its details to anyone. 

However, on XX/XX/XXXX, when I attempted to utilize the card for a purchase at XXXX XXXX, I was dismayed to find that my card was denied. Immediately, I contacted the customer service helpline, seeking clarification and assistance. To my astonishment, I was informed that my card had been fraudulently used in XXXX in XX/XX/XXXX. I want to emphasize that I have never visited XXXX in my life, nor have I shared my card information with anyone. 

In response to this unfortunate incident, your company initiated a dispute on my behalf for the two unauthorized transactions. I was assured that a thorough investigation would be conducted, and a decision would be communicated within 45 days. 

Regrettably, on XX/XX/XXXX, I received an email from incomm team that left me deeply dissatisfied. The message stated, " We take concerns from cardholders very seriously. After a thorough review of your account and evaluation of the evidence provided, we regret to inform you that we are unable to approve your dispute. With the denial of this dispute, your case has been closed. Per the cardholder agreement and the payments network, these transactions are out of timeframe for recovery. '' My dissatisfaction arises from several critical points : 1. I reported the unauthorized transactions immediately after my card was denied, demonstrating my commitment to resolving this issue promptly. How can I be held accountable for a timeframe that I had no knowledge of? 

XXXX. Card uas the expiration or XXXX.If, i have used the card in XXXX or any time, how would I have known that there was a fraud already happened in XXXX. 

3. I emphatically assert that I am innocent of the transactions in question. I should not bear the consequences of someone else 's wrongdoing. 

Despite my subsequent attempts to seek clarification and resolution, I have received no further communication from Incomm. This lack of response has only added to my distress and frustration. 

I implore you to help me reconsider their decision and conduct a more thorough and fair assessment of my case. I have been left in a distressing situation through no fault of my own, and I believe it is only just that this issue is rectified promptly. 

I eagerly await your prompt response and a satisfactory resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: CA

Complaint narrative:
The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXXXXXX, 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 an 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 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 2023-09-10 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: GA

Complaint narrative:
Transunion, and XXXX continue to report inaccurate information on my consumer report. 

The account listed below has several inconsistencies. This means the account has not been properly validated and therefore can not be verified as accurate. 

XXXX XXXX XXXX Account XXXX XXXXXXXX Last Verified : XX/XX/2023 -- Date of Last Activity : XX/XX/2023 XX/XX/2023 Closed Date : XX/XX/2023 -- Account Rating : Closed Paid 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: TX

Complaint narrative:
I applied for home insurance with XXXX and was denied based on information LexisNexis Risk Solutions Consumer Center provided them on a file they maintain on me. I have on three occasions requested a copy of the file/information supplied to XXXX by LexisNexis, and all three times, they have denied my request. I have written them twice and completed their online application. As requested, I have provided them with my Texas driver 's license, social security information, full name, and date of birth. 

" LexisNexis response : Unfortunately, we are unable to authenticate your identity and therefore can not process your request. '' The information I submitted to XXXX for the home insurance is what I provided LexisNexis. How can they respond to XXXX and give a report but can not provide me, the consumer, with a copy of that information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: NY

Complaint narrative:
I ordered 3 AMEX gift card totaling of {$2500.00} back in XXXX. And once I received and activated them, my cards got declined all the time. And I had no issues before when using these gift cards. I called AMEX, they confirmed with me it was identity issue, and I asked if there is anyway to get the problem resolved. They said no, and might be used in person to avoid identity issue and deactivated my cards which is not reasonable, and I am the owner of these cards. I then called the 3rd party where I ordered these card from, the agent from the third party was pretty helpful, communicated, helped me to reactivated these card. This process took more than 2.5 months. However, after XXXX weeks, my cards got declined again and again. It looks like I can't even use them in person. It makes no sense to me that I am going to waste {$2500.00}, and if this is the case, it's a scam of AMEX. I ordered these card because I had no issues before, and if I knew this case earlier, I wouldn't have avoided this option. I am really frustrated about the way how they solve the problem, and they don't care about how much money it's related, because it's not their money and they already sold it. I am kindly asking them to give me a solution how to use these card please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10 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: GA

Complaint narrative:
XXXX, and Experian continue to report inaccurate information on my consumer report. 

The account listed below has several inconsistencies. This means the account has not been properly validated and therefore can not be verified as accurate. 

XXXX XXXX XXXX Account # XXXX Last Verified : XX/XX/2023 -- Date of Last Activity : XX/XX/2023 XX/XX/2023 Closed Date : XX/XX/2023 -- Account Rating : Closed Paid 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
(

4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-09-10 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: CA

Complaint narrative:
Sent dispute letters on 3 separate occasions. The first two disputes went unanswered ( sent in XXXX and XXXX ), which prompted me to send certified mail for the third and final request for removal on XX/XX/XXXX. Here is the cert mail confirmation number : # XXXX. It was delivered on XX/XX/XXXX. 

Explanation of item being disputed : - The report shows I currently owe {$150000.00} as of XX/XX/XXXX. This debt is not derived from credit and is in violation of the FCRA - FACT ACT ( XXXX ). 

- Under Court Case - 15 U.S Code SS1681 - XXXX XXXX v Experian, XXXX, XXXX this account is in violation and therefore needs to be completely removed. 

Experian did not remove the account nor properly investigated this account. Because of this, they are reporting incorrection information which is a violation of the law. I am being deprived and robbed of opportunities because of this inaccurate information

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 2023-09-10 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: MS

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : 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  15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

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

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

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor XXXX repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge XXXX not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance 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 explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
am writing to file a formal complaint against Lane Bryant, a retail company, regarding their persistent and intrusive phone calls, which I believe violate consumer rights and privacy regulations. I am seeking the assistance of the Consumer Protection Bureau to address this matter. 

For the past several weeks, I have been subjected to relentless and untimely phone calls from Lane Bryant representatives. These calls occur at highly inappropriate hours, including late evenings and weekends, disrupting my personal life and causing significant distress. 

I want to emphasize that I have neither solicited nor given my consent for these calls. The continuous invasion of my privacy and the disregard for my right to peace and quiet are not only unacceptable but also raise serious concerns about Lane Bryant 's business practices. 

Despite my attempts to address this issue directly with Lane Bryant 's customer service, the calls have persisted, and the problem remains unresolved. Therefore, I believe it is necessary to escalate this matter to the Consumer Protection Bureau to ensure my rights as a consumer are upheld and that Lane Bryant is held accountable for its actions. 

I kindly request that the Consumer Protection Bureau thoroughly investigates this complaint and takes appropriate action against Lane Bryant if violations of consumer protection laws are found. I believe it is crucial to protect consumers from unwarranted intrusions and to ensure that companies like Lane Bryant adhere to established regulations. 

Enclosed with this email, please find evidence of the repeated calls, including call logs and any written communication with Lane Bryant regarding this issue. 

I appreciate your prompt attention to this matter, and I trust that the Consumer Protection Bureau will work diligently to address this complaint and help ensure that my rights as a consumer are upheld. 

Thank you for your assistance in resolving this issue. 


I included sample days of inappropriate times called and numerous times.

Company response to consumer: Closed with non-monetary relief