vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 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: TN

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-10-11 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: TN

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management bought my debt ( which was written off and closed by XXXX XXXX ) and started harassing me constantly. They filed to sue me with local courts in XX/XX/2023 but did not deliver to me until XX/XX/2023. They filed to sue me but has not stopped harassing me, even though they have a hearing date AND I told them to stop contacting me. 

They are harassing me constantly, every single day. They have filed this suit even though. XXXX XXXX has an arbitration attached to it, so it is essentially illegal for them to even have this in court against me. This company operates illegally and someone needs to be informed and take care of it please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: AR

Complaint narrative:
I am a victim of identity theft and my FTC paperwork is not being processed properly by the credit agencies when I am submitting disputes to remove the accounts. I am also not getting copies of the verification process according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: AR

Complaint narrative:
I am a victim of identity theft and my FTC paperwork is not being processed properly by the credit agencies when I am submitting disputes to remove the accounts. I am also not getting copies of the verification process according to the FCRA.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: State Collection Service, Inc.
State: KS

Complaint narrative:
Finally, on XX/XX/XXXX, XXXX XXXX XXXX issued a letter by postal mail and I received it on XX/XX/XXXX. It said that based on the information that I submitted with my application for financial assistance for my outstanding balance was reduced by 100 %. I had been granted full financial assistance with 100 % reduction on hospital bills. 

On XX/XX/XXXX, I received and email from XXXX XXXX, letting me know that an adverse action was reported on my credit report. After accessing the report, I found that STATE collection agency had reported this account as unpaid and and still outstanding. Immediately, I filed a dispute with XXXX and included documentation that should have proven the XXXX balance. However, STATE insists that their records are correct and the balance is still outstanding. 

On XX/XX/XXXX, I again checked my credit for a different reason and still saw that the negative collections mark from XXXX still existed on my report. Again, I disputed it with XXXX, this time including the letter that I had been sent from the hospital, proving my 100 % reduction for the balance. 

On XX/XX/XXXX, I received the results of the XX/XX/XXXX dispute, and again, XXXX maintains that the balance is still unpaid and outstanding. 

I do not know how to clear my name of this collection action. The bill has been reduced by XXXX XXXX XXXX. I will provide all documentation proving that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-10-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hi, I was monitoring my credit report with XXXX, and I noticed on XX/XX/XXXX that JP Morgan Chase Bank are make 32 unauthorized and non requested credit inquries several times per month and monthly since XX/XX/XXXX under different names without any credit application. I called on Sunday and the associate named XXXX from XXXX XXXX told me that they are allowed to do that and they are not. I have a regular checking account without any credit line, I did not have any credit card with JPMCB and I did not applied all 32 occasions. I need an explanation about this credit discriminatry acts that harm my personal and professional life and it is intentionally. The credit inquiries are the following : under name JPMCBXXXX  there are the following inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with address XXXX XXXX XXXX XXXXXXXX XXXX XXXX tel XXXX. Under the name JPMCB XXXX  inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX. Under the name JPMCB they inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX w/address XXXX XXXX XXXX XXXX DE XXXX tel. XXXX. Under JPMCB CARD inquired XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX. Under name JPMCB XXXX inquired on XX/XX/XXXX with address XXXX XXXX XXXX XXXX, DE XXXX, XXXX. I WOULD LIKE TO REQUEST THAT JPMCB XXXX, JPMCB, JPMCBXXXX, JPMCB CARD, JPMCB XXXX STOP MAKING NOT AUTHORIZED AND NOT REQUESTED DISCRIMINATORY INQUIRIES ON MY CREDIT REPORTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am reaching out because there is a ticket on my Lexus Nexus report that needs to be disputed and removed. I was just informed by my insurance company today, XX/XX/XXXX, that there was a ticket, private ticket on private property reported to my report with Lexus Nexus, for XX/XX/XXXX. I was never informed there was a ticket by Lexus Nexus, I was never ticketed on public or private property, and this is inaccurate information. 

Regarding XXXX. I am highly upset with them because they never informed me that they were raising my rates and they did this last month. I initially thought this was a late fee, but I called and they told me they raised my rates about a ticket that should have never been reported and is inaccurate in the first place. I was never informed by XXXX that they were raising my rates or anything. I am very dissatisfied by this. I feel like my rights as a consumer were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
2 year service began XX/XX/XXXX Canceled XXXX XXXX XXXX XXXXXXXX Final month bill {$91.00} paid XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to return modem w/b sent XX/XX/XXXX ; received XX/XX/XXXX ; must be sent back within 30 days. 
XX/XX/XXXX Box w/modem-cords returned via XXXX drop off @ XXXX as directed. 

Beginning in May began receiving bill for more than twice my regular monthly bill ( {$210.00} ) with no explanation of what the amount represents from XXXX XXXX. 

Beginning in XXXX began receiving bill for more than twice my regular monthly bill ( {$210.00} ) with no explanation of what the amount represents from XXXX, XXXX XXXX XXXX ( debt collectors ). 

XX/XX/XXXX checked FICO score ; drop from XXXX to XXXX due to recent derogatory public record or collection filed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Its wrong things on my Transunion credit report I need the fraudulent debt off my credit report now

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 2023-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have been attempting to remove PMI from my mortgage. In XXXX of 2023 I inquired about the process with my mortgage company, Freedom Mortgage. I was instructed that I was eligible to remove PMI from my mortgage as I had met the minimum requirement of 20 % equity in my home. I mailed out a check on XX/XX/XXXX to cover the BPO fee. The check was cashed in XXXX, but Freedom Mortgage did not remove PMI. After making several calls to their customer service I was assured that it would be removed starting XX/XX/XXXX. In XXXX I was sent a letter informing me my loan was being sold to XXXX XXXX. Freedom Mortgage intentionally did not begin the process of removing PMI as they knew the loan was being transferred. And now I have to restart the process with my new loan company, all while continuing to pay PMI in the interim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: FL

Complaint narrative:
I received 800 dollars from XXXX XXXX  because I gave up my seat. I used XXXX and had it placed in XXXX. This works. I used XXXX in XXXX which i have been using for my XXXX XXXX with no issue. 

The remaining XXXX dollars I placed in two American Express CardsXXXX XXXX. They would not work at all. I tried to use it at XXXX no luck. I tried to use it at XXXX XXXXno luck. The online information says the money is there but I can not access it. 

I tried calling XXXX today finally and they said that they could not retake the money on the cards they suggested that I call the company. I called American Express and they do not have customer service for that specifically. I called them last week and today. 

The person I got onto finally on the phone for American Express could not help at all. I am exhausted and I would like my money back- a total of {$400.00}. I feel that American Express Card has been behaving like a scam company.

Company response to consumer: Closed with 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have twice now disputed an account from XXXX XXXX XXXX. The account number they list is : XXXX They are reporting the address of the person where the debt was incurred as : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX. 

I have never lived at that address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have twice now disputed an account from XXXX XXXX XXXX. The account number they list is : XXXX They are reporting the address of the person where the debt was incurred as : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX. 

I have never lived at that address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
In summary, I was put in automatic In School Deferment without asking me first, I spent a month trying to get this resolved before payments restarted. Then after I had made a payment much larger than what I was quoted for, I received word that my request was process and that I am for some reason also liable for XXXX 's payment as a late payment, which I was never made away of and everything I'm seeing is showing I should not be charged for. 

Time line of events in detail : On XX/XX/2023, Aidvantage put me on In School Deferment without notifying me first if this was something I'd want to have applied to my account. 

On XX/XX/XXXX I reached out via their web portal to get this canceled. 

On XX/XX/XXXX, I called into their support line and was told that my deferment would be removed and that my Expected payment date was XX/XX/XXXX for {$290.00}. 

I was told that this would be reflected on my account in a day or two but it was not. 

On the XXXX, I received an email from their inbox ( which I can't even respond to ) stating they are still working on the changes to my account. This was after claiming that my payment was supposed to be {$740.00} but then correcting themselves and providing no further information other than that this was a mistaken amount. 

On the XXXX of XXXX and the XXXX of XXXX I received the same email stating that my request was being processed and that I would be receiving more information soon. 

On the XXXX of XXXX, I submitted a payment of {$300.00} spread out across all of my loans allocated based on estimated repayment amounts and then a further {$150.00} to my loan with the lowest balance. This payment is still processing. 

Today on the XXXX of XXXX, I received word that the changes were finally made to my account, that my payment was indeed due on the XXXX, and that it would indeed be the {$290.00} I was quoted over the phone. 

When I checked on their web portal was XXXX listed ( this is fine, I imagine the payment I made will be processed and then this will be resolved ) but then I was marked for a late fee for a payment in XXXX. I was never made aware of needing to pay in XXXX and everything I'm seeing online is that my payment should only be for a date in XXXX, not in XXXX and not in the least a full month before I was being quoted as having my next payment due back on XX/XX/XXXX. 

I have now both sent in a new inquiry ( as there is no way to respond to them via email ) and have been on the phone waiting on hold for almost 40 minutes with no idea how long I'll need to wait in the middle of my work day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XX/XX/2023. Card physically stolen while in a foreign country. Within 10 mins of the card being stolen I called Bank of America ( hereafter BoA ) and reported the card stolen.All charges that had already been made on the card were rejected by BoA. Because this was the only card I had available to complete my travel back into the XXXX and the agent would only be able to overnight a card to my home ( XXXX ) address, he suggested I place hold on the card, so that I could lift it if needed to pay for charges on my return to the XXXX. 

XX/XX/2023 BoA approves charges for {$4700.00} and {$5000.00} plus foreign transaction fees. 

XXXX XXXX we are enroute to the XXXX. Upon my return to the XXXX the card was cancelled. I had added no additional charges at that time. 

XX/XX/XXXX, prior to the end of the billing cycle I notice the charges from XX/XX/XXXX and call BoA. The fraud agent credits my account {$11000.00} for the disputed charges. 

XX/XX/XXXX sends a letter stating they " confirmed the card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' It further states, " If you'd like copies of the documents we used to make this decision please call ... '' To date and with multiple request no additional information has been provided. Over the next 7 phone calls I have been told that this is a form letter and the statement above is not specific to my case. Agents have indeed confirmed that these charges were approved while the card was on hold. They have confirmed the charges put my account over the credit limit and I did was not contacted to authorize the charges. 

I have reopened the investigation a few times, and have never received any further communication from the investigators. I have learned the investigators are prohibited from returning my request for a phone call, and that if the new investigation produces the same result, I will not receive further communication from BoA. 

I would like full credit from BoA for the charges, fees, and interest for charges they approved without my authorization while the account was on hold as recommended by a fraud agent.

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 monetary relief