vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: NJ

Complaint narrative:
I am writing to formally address a critical issue regarding identity theft that has significantly impacted my credit report and personal well-being. In XX/XX/XXXX, I discovered several accounts were opened in my name without my consent or knowledge. After numerous disputes with consumer agencies, I filed an Identity Theft Police Report in XX/XX/XXXX and successfully resolved most of these issues. However, one account, " XXXX XXXX, '' remains on my credit report. 

This situation constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically : Violation of Permissible Purpose ( 15 USC 1681b ( 2 ) ), Violation of Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ), Violation of Civil Liability for Willful Noncompliance ( 15 USC 1681n ), Violation of Civil Liability for Negligent Noncompliance ( 15 USC 1681o ), Violation of Maximum Possible Accuracy ( 15 USC 1681e ( b ) ), Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ), Failure to Correct or Delete Inaccurate, Incomplete, or Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 

I request that you initiate a thorough investigation into this matter and remove the erroneous account from my report within 4 business days of receiving this notice, in accordance with 15 USC 1681c-2. If this issue is not resolved promptly, I will have no choice but to seek legal recourse to protect my credit rating and personal rights. Please be aware that each FCRA violation carries a potential damage award of {$1000.00} should this issue be brought before the court. 

This ongoing situation has caused me considerable emotional distress and negatively affected my mental health. I urge you to address this matter urgently and provide a fair resolution.

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 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I paid {$82.00} on XX/XX/2024 with the same banking information for the past several years and I receive a letter that it wasn't received. I don't know why and called the bank on XX/XX/XXXX and customer service doesn't know what happened and told me he can't take my payment. There must have been a glitch in their system because I've never had this problem before.

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 2024-09-03 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so.

Account Name : XXXX XXXX Account Number : 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so.

Account Name : XXXX XXXX Account Number : 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 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to file a complaint regarding the poor quality of the new Chase debit cards. Unlike the previous embossed cards, the new ones are printed, causing the numbers to wear off quickly. Additionally, the front label peels away over time, making it difficult to read the card details and resulting in stores refusing to accept the card.

This issue has caused significant inconvenience and hinders my ability to make purchases. I believe that Chase should be held accountable for issuing cards that do not meet basic durability standards. 

I kindly request your assistance in addressing this matter and ensuring that consumers receive debit cards that are reliable and fit for purpose. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
From XX/XX/year> - XX/XX/year>, I have sent several wire transfers to relatives accounts in the XXXX XXXX for {$44.00}, {$35.00}, {$35.00}, {$17.00}, {$26.00} and {$35.00}. Though Bank of America provides a " Complete '' status of this transfer on my end and withdraws these funds from my checking account immediately, the funds have never gotten to my relatives accounts. My relatives have checked with their banks and have confirmed these wire transfers never hit their accounts. For 5 of these transfers I've had to use XXXX or XXXX XXXX to send these funds again, in addition to paying fees per transfer but at least these service providers guarantee delivery and the receivers gets the transfers. I have submitted recall requests with Bank of America for all of these wire transfers but none of these, which total {$190.00} have been returned to my 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am writing to formally dispute the newly reported XXXX charge-off status of {$1400.00} on my credit report by American Express . I request an immediate re-investigation based on several critical points. First, American Express has failed to provide the original signed contractual agreement that would validate the debt and confirm that the account belongs to me. The generic Card Member Agreement ( CMA ) they provided does not pertain specifically to my account, raising legitimate concerns about the authenticity and validity of the debt. Without the original contract, their claims remain unsubstantiated, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692g, which requires proper validation of debt. Furthermore, American Express 's claim that my account does not meet the criteria for issuing a 1099-C form is misleading. The fact that they reported the account as a charge-off suggests they may have claimed a tax deduction under IRC Section 166. If this is the case, continuing to report a balance on my credit report is inaccurate and deceptive, violating both the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 and the FDCPA under 15 U.S. Code 1692e for false representation. The documents provided do not constitute adequate validation of the debt, as they lack the necessary contractual agreement, rendering the continued reporting of this charge-off unlawful. Additionally, I am entitled to statutory damages of {$1000.00} under the FCRA ( 15 U.S. Code 1681n ) for this inaccurate reporting, which American Express has unjustly refused to issue. Given these violations, I request that the CFPB take immediate action to demand that American Express provide the original signed contractual agreement, issue the necessary 1099-C form, and remove this inaccurate charge-off from my credit report. I also request that American Express be fined accordingly, and I be awarded the {$1000.00} in statutory damages. I will also be reporting this issue to the IRS for a thorough investigation into the legitimacy of the tax deductions claimed by American Express while continuing collection efforts. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please take immediate action to block and delete these fraudulent accounts as soon as possible. This is an urgent matter that needs to be addressed right away.

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 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I checked my Discover Credit Card balance on XXXX and paid the small balance. 

Apparently, on XXXX, an inappropriate charge was posted via XXXX by an Ap on the phone. I was not advised of this charge by XXXX or the Ap ad I had no reason to expect it since I had immediately canceled during the trial period about a month ago. But the incorrect disputed charge was reflected on my payment period of XXXX and this resulted in Discover reporting a late payment on my account. I paid the balance as soon as I saw it and as soon as Discover emailed me that my payment was late. However, when I called XXXX at Discover, he was unable to tell me if a late payment had been reported. He did transfer me to the dispute department where I was able to file a dispute against the charge and Discover issued a credit. However, the late payment was reported even though I could not have anticipated the balance on my account. 

When you buy an XXXX  from XXXX, they require a credit card number in case they want to charge for " APs '' or other items. Then they load the phone with about fifty APs and you have to click on them to see what they are about. I clicked to see what this Ap was about and try it, and was immediately input into a " trial period '' subscription. After using the AP and obtaining an incorrect answer, I immediately canceled the trial subscription. Some time later, either XXXX of the AP tried to muscle me for payment by charging my account, even though I had specifically cancelled it and there was no notice that I was being charged, not from XXXX, not from the AP. This resulted in a late payment to Discover for a balance I could not have imagined existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-03 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: Nelnet, Inc.
State: NC

Complaint narrative:
I checked my credit report and inaccurate information is there... I went to this school XXXX XXXX  not even a full semester and I see a bunch of loans taken out. I went to the university  to clarify what was going on. The Financial Aid officer 's name is XXXX. I do not remember her first name. I approached her and the school officials. Nothing was done. Apparently she took out loans and was using them for her benefit and none of my payments went to the school. I told them to remove all of those loans and nothing I mean nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please take immediate action to block and delete these fraudulent accounts as soon as possible. This is an urgent matter that needs to be addressed right away.

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 2024-09-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I purchased a box for internet service in XXXXXXXX XXXX  for the purposes of securing a property I was currently renovating to sell. I sold said house located at XXXX XXXX XXXX in XX/XX/2024 I notified XXXX to cancel services. There was a disconnect, the company was sending mail to the subject property address which I wasnt receiving. On XX/XX/2024 I spoke to a representative with XXXX that sent me out a return label package to XXXX XXXX XXXX ( my billing and shipping address ) on XX/XX/XXXX I took that package and XXXX equipment to be shipped at XXXX store # XXXX at XXXX the tracking number is below and I have a copy of the receipt. XXXX I have called XXXX several times to give them This information, I went back to the XXXX where I was told there was nothing for me to do, the merchandise was successfully dropped off and shipped. It was on XXXX if their shipping and receiving didnt Input it. XXXX negligence is unacceptable. XX/XX/2024 my credit report was negatively impacted and reports with a collection damaging and dropping my credit score over XXXX while Im in the middle of escrow. XXXX is still giving me the run around. On XX/XX/2024 I spoke to several different agents, was on hold for numerous times, hung up on and a supervisor was ever provided after I requested to speak to one repeatedly. I spoke to XXXX then after 40 min transferred me to the collections dept. IC Systems

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 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
National Enterprise Systems have been harassing me everyday for months now. Im not even sure why they are calling, but they people are always so rude and call me every day at the same time.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXXXXXX XXXX XXXXXXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation