vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I DIDNT AUTHORIZE ANY OF THE BELOW INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied and was given the Chase XXXX card, which promises {$200.00} cash back if you spend more than {$500.00} in the first XXXX months. I surpassed this spending amount in the first 30 days, but did not receive the {$200.00} cash back and a supervisor at Chase could not explain to me why I wouldn't, saying that that he " had no ability '' to provide what the bank promised me. 

Offer details here : https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received a letter dated XX/XX/2022 from a company I never did business with or ever gave permission to call/write or contact me with any form of communication. In the letter they erroneously stated that I owed an alleged debt, I was shocked, appalled and offended by their false allegations. I don't know how they obtained my private information but i did not give it to them so as far as i am concerned that is identity theft which I will be filing a complaint with the FTC about. As for now If they can not provide me with documentary proof that I gave them written permission to obtain my non-public information then they are to Cease and Desist all their Illegal activities, this goes for all their affiliates and any 3rd Party that they do business with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern : After reviewing my credit report, I realized that my score was lower than from which I previously checked it. I was a victim of identity theft years ago so I have had a freeze on my credit report for a long time now to which I have been trying to remove for a while on Equifax. 

The account to which I had no knowledge of was : XXXX Account # XXXX for {$2600.00}. 
I had no knowledge of this account and never presented any physical identification for this account to be open. 

The account violating my consumer rights with inaccurate reporting : XXXX XXXX XXXX XXXXXXXX According to 15 U.S. Code 1681 ( XXXX Account # XXXX ), and ( XXXX XXXX XXXX XXXXXXXX ) : 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. 

Also to this ( XXXX Account # XXXX ), each CRA is reporting a different report for this fraudulent account which is also a violation of my consumer rights. Sections such as when this account was closed, the account comments, date last active, and the payment history ( XXXX XXXX XXXX XXXXXXXX ) are all reporting inaccurate information of an account I had no knowledge of which is improper use of my credit report. Which again violates my consumer rights. 

And this information is inaccurate. 

According to 15 U.S. Code 1681b subsection 2, I never gave any written permission for this account to be in my possession nor upon my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: TN

Complaint narrative:
I received notice from American Profit Recovery , Inc regarding a debt of {$78.00} owed to XXXX XXXX. My XXXX XXXX account # XXXX has a XXXX balance. Please cease and desist further collection efforts and reporting of a collection to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also state a consumer has furnish an account without my written instructions.

15 1666b : A creditor may not treat a payment on a credit card an open -end consumer credit plan as any purpose. Credit Acceptance reporting late payments with trans union and XXXX  on my report. with the months of this 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 non-monetary relief
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In accordance to the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states that I have the right to privacy.

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

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
In accordance with the fair credit reporting act several accounts has violated my rights by reporting late payments. 


15USC 1681 section 602 states I have the right to privacy.

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

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 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

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

15 USB 1666B : A creditor may not treat a payment on a credit card account under an a open end consumer creditor for this 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 explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Theres inaccurate information on my credit report theres several wrong addresses that I never lived and it doesnt belong to me I never lived in Connecticut theres another address that state that I lived at another unknown address can you guys please reinvestigate this reporting.

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 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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

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 2022-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a debit card from Webster Bank on XX/XX/2022 and I never requested or applied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I closed the Genesis Indigo card right before the annual fee would have been due. The card wasn't worth paying another {$90.00} annually & the credit limit was only {$300.00}. I only had a balance of {$130.00} left to pay but the card was asking for {$40.00}. I paid {$25.00} & was going to pay the other {$15.00} before the due date. The card accepted the {$25.00} but then tacked on a late fee for {$29.00}. I opened a dispute with XXXX XXXX XXXX XXXX XXXX. I'm only paying what I owe & I'm sending in {$40.00} payments. To date I have an {$80.00} bal. I'm refusing to pay all these late fees etc. They leave a VM 2x daily & the number is blocked!! It's a digital VM & it's annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account placed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, and 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 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 or 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 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account placed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, and 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 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 or 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 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
To Whom it May Concern, I am writing to you today to dispute US {$1900.00} charged by the company COLUMBIA DEBT RECOVERY. Basically, COLUMBIA DEBT RECOVERY is collecting a false debt, on behalf of The Social at XXXX since XX/XX/XXXX. Those companies did not declare under which condition they are charging me US {$1900.00}. 

In XX/XX/XXXX, I signed a XXXX lease contract with The XXXX until XX/XX/XXXX. I moved out of that unit on XX/XX/XXXX, because the landlord ( The XXXX ) refused to fix the apartment as we have agreed in XX/XX/XXXX, later in XX/XX/XXXX and again in XX/XX/XXXX. The initial issue with The XXXX started when the office wanted to force me to sign a second lease, just two months after I occupied the unit. On several occasions I disregarded the offer, but this did not stop them. In fact, they sent me emails about the potential consequences of not accepting this offer before XX/XX/XXXX. The last step they took was offering to paint the walls, improve the bathroom condition and fix some appliances in my apartment if I agreed to sign the second lease contract, a proposal that they never complied with and led me to act. In XX/XX/XXXX, I communicated my decision of not staying in the apartment for another year. After that, The XXXX tried to force me to sublease the apartment, in retaliation for trying to get a signed copy of my lease termination letter in which I explained the entire situation. The last time I contacted the property manager, XXXX XXXX XXXX, she refused to acknowledge my rights and said that the company will impose XXXX months of rent if I opted to move-out early. Obviously, I took my belongings out of that place because I did not want to be intimidated again. 

In general, I paid an entire year of rent ( {$8300.00} ), as well as a full year of insurance coverage ( US {$160.00} ) before I moved to another residence. However, neither COLUMBIA DEBT RECOVERY nor THE XXXX have contacted me in the current year. They just have published the debt as I was their client, which is not true, and fail to reflect any contract that I have signed in XXXX. All that I have experienced in The XXXX not just damaged my credit score, but has put me under a huge amount of stress. As an international student that moved to XXXX, Tennessee after the lockdown, I honestly hope that nobody experiences this type of retaliation just because they need a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Call Aidvantage on XXXX XXXXXXXX XXXX to request refund on student loan payments. Request was submitted. Advised could take up to XXXX weeks for money to be refunded. Called back in XXXX and XXXX to check status. Advised still processing. Called back XX/XX/XXXX and was told Aidvantage had finished processing on XX/XX/XXXX and forwarded it Federal Student Aid which then has to be sent to the Treasury. Advised it would take up to another 8 to 12 weeks and refund would be mailed not direct deposit. Which means I have to wait approximately 6 months for my money to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
I originally had a mortgage through XXXXXXXX XXXX  which was never paid late. Then on XX/XX/2018 I was shot which I was in XXXX  in the hospital for over a month. This caused me to have a hardship and have to put my payment on forbearance/dererment. The loan was transferred to XXXXXXXX XXXX  and then to XXXXXXXX XXXX XXXX XXXXXXXX rejected our application to be on deferment. And instead of adding all the late payments to the end of the loan they marked late payments all across all three mortgage companies. By the time it was transferred it left negative late payment remarks on my XXXX, XXXX and XXXX credit reports as late payments past 120 days. XXXXXXXX XXXX apologized and removed the late payments. But XXXX and XXXX have not. We have hired credit repair companies for the last two years. We have messaged and called each credit bureau and mortgage company to try and get these removed but have had no luck. We are ready to move past this incident and be able to buy or build our dream home but can't with this on my credit report.

Company response to consumer: Closed with explanation