vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has restricted my account I am only able to view balance. Chaase will not give a reason for restriction and will not allow me to go to branch to withdraw my funds. They are holding on to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
Years ago I began receiving a dividend check from household international, then they merged with hsbc and the dividend checks continued with no issues. This month ( XX/XX/2024 ) they notified me they would no longer send checks and I must contact them to provide direct deposit information. This written notification has no signature, a www that didn't work and a phone number that didn't work. I made every attempt to get this resolved and spoke with XXXX  XXXX people ( including XXXX XXXX XXXX a customer service manager. who also didn't help ) I finally spoke to a person at computershare and was sent to an alternate www. 
Today I received an email from computershare stating that they will charge a fee to deposit a {$4.00} dividend. This is wrong! 
There was no mention of a fee in the notification. There was never a fees when they were sending checks. I expect hsbc to use the info i provided and deposit the dividend into my account now and every time a dividend is ready for distribution. NO fee!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX. 
Account Number XXXX Account Number XXXX I have filed multiple disputes with Equifax in reference to the two accounts above. I have disputed the accuracy of information as it relates to the " Date of Last Payment '' and " Date of Last Activity. '' Not only is the information inaccurate but no reported dates match XXXX or XXXX. These inaccurate dates have caused the Re-Aging of both accoutns.

Both times Equifax has responded stating " Update '' and/or " Verified a

s Accurate ''. There has not been any updates as it relates to the disputed dates and both accounts are still reporting inaccrately. I am requesting both accounts be deleted immediately due to inaccurate reporting and re-aging of accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Without any prior communication or attempt to communicate, XXXX, XXXX, and XXXX XXXX has sued my wife and myself in our local XXXX XXXX XXXX XXXX XXXX  for the amount allegedly owed to New Jersey XXXX XXXX, XXXX for a pre-natal visit. However, this matter was in dispute between the service provider and our insurance provider at the time who noted that if the visit in question was coded as a " pre-natal visit '', it would be covered fully by insurance. At the time this occurred, the service provider, NJ perinatal, was refusing to change the coding and said it was a " preventative visit '', not a " pre-natal visit '' and that we had to pay the full amount. We had insurance call them and explain the situation and they refused to make any changes. They haven't said anything for over 3 years, and now out of nowhere, without any communication from either party, they have submitted a lawsuit without any proof or history around the coding mishaps on their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: IL

Complaint narrative:
I received a notification from XXXX stating that I have a collections account on my credit report from JJ Marshall Associates, with XXXX XXXX, a property leasing company as the original creditor. 
I contacted JJ Marshall via their telephone number, ( XXXX ) XXXX. They helped me learn that my details were used to lease an apartment in XXXX XXXX, Indiana, and the leasing office has placed a debt collection in my name. 
It is evident that this fraud was committed by someone using my name and details, and I would like to state that I have never lived in Indiana. The apartment in question was added to my credit file back in XX/XX/2023, which I disputed with XXXX and got deleted from my credit file. 
I am attaching the dispute report I filed with XXXX to remove the address and telephone number. I am also attaching the XXXX  of the collection account for more details. 

Thanks & Regards XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-20 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: Westlake Services, LLC
State: TX

Complaint narrative:
On or around XX/XX/XXXX, a visit was made to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX ) with my daughter to purchase a vehicle. We arrived at the dealership with pre-approved financing thru our Bank. However, after agreement on a vehicle and purchase price, the XXXX XXXX finance officer insisted that we give XXXX XXXX in-house financing an opportunity to beat our BOA pre-approved financing we came with. They were unable to beat our preapproved financing, so obviously we did not go with their lender. 

Last month, my daughter and I received an Adverse Action Notice sent by Westlake Financial dated XX/XX/2024, stating that our credit application at XXXX XXXX XXXX was declined. The notice further sited poor credit performance, Too few accounts paid as agreed, and length of time accounts have been established. 

Please note that my credit score is XXXX and even my young daughter has a score of XXXX with a long history of above excellent credit. This Adverse Action Notice is not only dishonest in its negative adverse action reason but also discriminatory in its attempt to disparage the credit rating of myself and my daughter. The credit application at the time of our visit was in fact withdrawn and should have been dispositioned as No Action Taken { XXXX XXXX Notifications } as we canceled the credit request on site.

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 2024-05-20 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I opened a Hilton American Express card XX/XX/XXXX to receive the promotional bonus of XXXX points on Hilton and a {$100.00} statement credit. I spent the requisite {$2000.00} in a couple months, paid off the card, and waited. No bonus appeared, so I contacted Hilton, and they said it's an American Express decision. I contacted American Express and they don't know why I did not receive the bonus, but it was denied to me for any variety of reasons, none of which makes any sense such as : 1. it's Hilton 's decision ( no, not true ) 2. I have a Delta SkyMiles American Express card ( opened in XXXX ) so I was denied bonus, but this is not procedure, so their reps don't know why 3 years later, I would be denied bonus as the products are not related, and are separated by 3 yrs.

3. I should have seen a pop up window, while applying, that told me I was denied the bonus ( not true ) 4. I should have received an email saying I was denied bonus ( no, not true ) This is a switch and bait sales tactic. I have -- in my email -- a ton of offers from Hilton and American Express to open this new card to receive the bonus, clearly received after I opened the Delta SkyMiles card, that also promises American Express card holders that they can also open a Hilton American Express card, and receive this new bonus. I also have a XXXX XXXX XXXX, according to them, and I always pay my credit cards in full. 

At this point in time, I have over a XXXX in credit owed to me by American Express on my Delta SkyMiles account that they've not offered to send me in check form. I wonder if that's the true reason ( although that makes XXXX sense ). So, what is American Express doing to consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NV

Complaint narrative:
Experian has violated The Fair Credit Reporting Act and has furnished information concerning me I did not authorize. According to the Fair Credit Reporting Act, there must be permissible purpose to furnish information on someone's credit report or written consent from the consumer. Experian has violated federal law and violated my rights. I asked them to verify where they received the information concerning me and they verified it came directly from the Bankruptcy courts. The United States Bankruptcy Court doesn't report to or validate bankruptcy filings with Experian or any credit agencies. Upon my research, I found out that a 3rd party gathered the information from https : //pacer.uscourts.gov/, sold the data directly to Experian and then Experian ( violating federal law ) furnished the bankruptcy data on my credit report without my consent or permissible purpose. The illegal method of credit reporting, and conduct of business between Experian and the 3rd party has caused me financial trouble. I have been unable to secure financing, a vehicle for my needs, and secure a roof over my head for myself and my son.

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 2024-05-20 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: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-20 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: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear MCA MANAGEMENT COMPANY, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223. 

It has unequivocally come to my attention that MCA MANAGEMENT COMPANY has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for MCA MANAGEMENT COMPANY to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MCA MANAGEMENT COMPANY immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri identity fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MCA MANAGEMENT COMPANY will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: AR

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-05-20 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
i have notice these un authorize inquries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
i have notice these un authorize inquries

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 2024-05-20 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: NY

Complaint narrative:
I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-05-20 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2024-05-20 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2024-05-20 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: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.

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 2024-05-20 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: NY

Complaint narrative:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.

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 2024-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
I have not received any valid proof where I owed NCB MANAGEMENT SERVICES INC .

All I received was a garnishment letter from a company that says I owe them. Where they are garnishing wages. I would like to receive Validation letter on NCB MANAGEMENT SERVICES letterhead saying I owe them a debt for what reason, when I defaulted with NCB MANAGEMENT SERVICES INC. And where is the documentation I signed to that I agree to the amount saying I owe NCB MANAGEMENT SERVICES INC .

Company response to consumer: Closed with explanation