vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-16 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: CCS Financial Services, Inc.
State: NY

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 USC1681. 

XXXX XXXX and XXXX XXXXXXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened 2 accounts with JP Morgan Chase Bank, The 1st account was opened in XX/XX/2022 which is my Personal Checking Account opened with my SSN along with other documentation, The other account I opened was a Business Account in XX/XX/2022 where as an EIN number and article of organization etc. I had made some purchases with my personal account for merchandise and travel, I didn't receive my merchandise and I canceled my flight on the airline, I also queried the charges and credit was given to my Personal Account as that's where all transaction took place from. However JP Morgan Chase Bank is in violation of the Bankers Manuel as they have closed my Personal Account without notification on the public side off the ledger know the private side of the account is left open for discharging by there corporation ( unfair practice ). To further violate JP Morgan Chase Bank has now broken all commercial merit by lodging a XXXX $ tab to my Business Account causing my business to go down hill into a negative status from the XXXX XXXX to Present as I am unable to use my account to satisfy my clients commercial, One client sent her payments XXXX on Saturday the bank just garnished it unlawfully my Business Account is back XXXX Fdic and so to is my Personal Account why does JP Morgan Chase believe the Bankers Manuel doesn't apply to them, This is also identity theft and Fraud against my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Upon there being no reasonable or factual grounds to support the underlying claim from TransUnion LLC within 5 business days and still till this day. Nor did TransUnion LLC follow other procedures Pursuant to 15 U.S. Code 1681c2 ( C ) ( 2 ). 

TransUnion LLC claims of ; my request being made in error, is a misrepresentation of material fact relevant to the request to block and/or I have obtained possession of goods, services or money as a result of the transaction issue. Sent on XX/XX/2022, are deemed frivolous in nature. 

I am requesting a description of the reinvestigation procedure or a deletion of the identified items from my credit report. 

To be clear, I am reporting to TransUnion LLC identity theft related to the identified items in my credit report and FTC Report that TransUnion LLC received on XX/XX/XXXXXXXX XXXX XXXX I am not claiming a dispute as I comprehend that as a different claim and process and until TransUnion LLC provides a lawful reason why my case was put into disputes without my prior consent then this case stands to be classified as Identity Theft only, pursuant to 18 U.S. Code 1028, 15 U.S. Code 1681c2 and 15 U.S. Code 1681n. 

Also please see attached Sent Certified mail : XXXX on XX/XX/2022 a copy of my Identity Theft Report that includes ; o ( 3 ) identified information as the result of identity theft o ( 4 ) Personal Statement Sent Certified mail : XXXX on XX/XX/2022, Credit Report with Identified information highlighted in yellow as the result of identity theft.

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 2022-10-16 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Amex pulled funds repeatedly from my account for a payment, even after I processed the payment manually myself. They additionally charged me a late fee. I wasted 30+ mins with a chat rep on XX/XX/XXXX, trying to get them to stop pulling funds from my bank because my bank is charging me fees for so many transactions. Attached document shows the bank fee and the number of times they have pulled the {$72.00}. 

Their system can not recognize that multiple credits have already been posted to the account. They need to revamp their system to instill some basic checks and intelligence and train their reps to not waste customers time by providing accurate information. The Chat rep could not help me but kept me on hold trying to check on things and then finally said that I had to call the fraud line. It looks like no one monitors that #. After being on hold for 45 mins, I hung up. 

So, I called the regular customer service # on XX/XX/XXXX. Amex used to be an institution with educated, polite reps. Unfortunately, no more. Their system does not work and when I called it that, the rep hung up after I was on hold for 30 mins to speak to her. 
Pathetic customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax continues to update this collection on my report within a day without any validation I've contacted the company and they have not sent me any info on this account and starting XX/XX/XXXX the Medical Debt Relief Act of XXXX H.R.773 medical collections under XXXX is not to be reported on a consumers credit profile and 1 year waiting period for medical collections to report i am also requesting an itemized statement for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX, and Transunion have continuously violated the FCRA laws by reporting inaccurate, incomplete and unverified information on my credit report. This has resulted in adverse action against me from creditors. 

I have disputed their information since XXXX with proof and copies of my credit report with discrepancies noted.

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 2022-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NY

Complaint narrative:
XXXX  XXXX  took out XXXX charges on XXXX for {$19.00}... XXXX for {$9.00} and also on XXXX for {$19.00} which were all fraudulent. I made several phone calls to XXXX  notifying them that this was not my charge from a XXXX charge that was not mine. I asked for a proof of debt it was not provided to me, nor anything at all in writing only texts and phone calls after several attempts asking them for something in writing. I also checked my online XXXX orders and there was no order for the fraudulent charge. I received several calls and texts that were also threating and was repeatedly contacted after my bank found in my favor when I filed a dispute and given back my money that they took out that was credited on XXXX in the amount of XXXX XXXX also have a letter that my information was found to be in a date breach which I sent to them and also filled out and XXXX  identity theft victim 's complaint and affidavit. And still they kept trying to contact me. Now I received a collection letter from True Accord on XX/XX/XXXX that I now am in collections. I have also submitted a dispute with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In XXXX XXXX three friends and I found an apartment unit in downtown XXXX on XXXX to rent for {$430.00} from XX/XX/XXXX to XX/XX/XXXX for our spring break trip to XXXX. The photos and reviews of the apartment seemed nice, so I booked the unit with my XXXX credit card XXXX on XX/XX/XXXX through XXXX website. However, when my friends and I arrived, we discovered that the apartment was not as advertised, and soon realized that most of the photos and reviews were fake. The windows were broken, the bathroom was in utter disarray, the bed and floor was dirty, the unit did not fit four people as described, and there was trash and XXXX all over the place. The host had billed an additional {$300.00} deposit " refundable only if we stay '' from my XXXX credit card, which was not brought to our attention before we rented the unit, so we had no choice but to stay at that dilapidated unit. After the second night, I found multiple rats had infested our unit and took photos. They chewed through our food, chewed through our electronics, and left dung all over the already dirty floor. We decided to move out early, and I had to do basically all the cleaning even though the host had charged me over {$120.00} in " cleaning fees. '' I confronted the host about all this, and the host even refused to refund me any portion of the {$430.00} stay! I immediately tried to escalate with XXXX customer service and file a chargeback through my bank, Navy Federal, in the weeks after the stay but the dispute was denied. This XXXX unit was an utter scam for {$430.00} and tarnished the reputation of XXXX in my eyes ; I could've found many 4 star hotels in XXXX that are cleaner and nicer than this XXXX. If this is the quality of units and hosts that are on XXXX, then please, I do not want to ever use XXXX again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: Consumer Collection Management. Inc
State: MO

Complaint narrative:
In Accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 Consumer Collection MN XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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 — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: KS

Complaint narrative:
Someone took out a student loan from Ed Financial in my name, XXXX XXXX XXXX address. 
Have disputed multliple times with all XXXX major credit reporting bureaus. Comes back as accurate. I have never had a student loan in my life, I am XXXX XXXX XXXX. College this comes back to is XXXX XXXX XXXX XXXX in XXXX XXXX KS. Why would I go back to school now, at a college XXXX hours from where I live, when there are XXXXXXXX XXXX  colleges here? 
XXXX XXXX account number in my name is XXXX The mail they have for me is XXXX which isn't mine. The phone number they have in my name is XXXX, which is no longer in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I disputed this account multiple times with XXXX and also with Affirm. The information is still reporting incorrectly to my credit report. The status on my credit report should show paid. It's reporting status is showing as past due 30 days. It has been reporting as that since XX/XX/2020 despite several efforts to get it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally on line bank has customer service XXXX The problem you can never reach a real person, the wait times are sometimes XXXX hour and XXXX minutes, you can call at any hour of the day or night and never talk to a customer service person. 
I blocked from reaching my account information For example if a XXXX XXXX in maturing you have 10 days to make a decision or it will rollover automatically What if I want to withdraw my funds, I am blocked The reason I was calling customer service was to have the interest on mu XXXX  paid monthly I was blocked to on line access because I changed my email address and the verification code would be delivered to a closed email 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 2022-10-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Someone took out a student loan from XXXX XXXX in my name, SS #, BD, address. 
Have disputed multliple times with all 3 major credit reporting bureaus. Comes back as accurate. I have never had a student loan in my life, I am XXXX years old. College this comes back to is XXXX XXXX XXXX XXXX in XXXX XXXX KS. Why would I go back to school now, at a college 3 hours from where I live, when there are two junior colleges here? 
XXXX XXXX account number in my name is XXXX The mail they have for me is XXXX which isn't mine. The phone number they have in my name is XXXX, which is no longer in service.

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 2022-10-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Someone took out a student loan from XXXX XXXX in my name, SS #, BD, address. 
Have disputed multliple times with all 3 major credit reporting bureaus. Comes back as accurate. I have never had a student loan in my life, I am XXXX years old. College this comes back to is XXXX XXXX XXXX XXXX in XXXX XXXX KS. Why would I go back to school now, at a college 3 hours from where I live, when there are two junior colleges here? 
XXXX XXXX account number in my name is XXXX The mail they have for me is XXXX which isn't mine. The phone number they have in my name is XXXX, which is no longer in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Someone took out a student loan from XXXX XXXX in my name, SS #, BD, address. 
Have disputed multliple times with all XXXX major credit reporting bureaus. Comes back as accurate. I have never had a student loan in my life, I am XXXX years old. College this comes back to is XXXX XXXX XXXX XXXX in XXXX XXXX KS. Why would I go back to school now, at a college 3 hours from where I live, when there are two junior colleges here? 
XXXX XXXX account number in my name is XXXX The mail they have for me is XXXX which isn't mine. The phone number they have in my name is XXXX, which is no longer in service.

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 2022-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: IL

Complaint narrative:
This has been going on for over 2 years now. XXXX is trying to collect a " debt '' that doesn't exist. On XX/XX/XXXX I moved to another address, and completed a " transfer of service '' from my old address to the current one. When I first received a notice that I owed a past due balance ( this was around XXXX of XXXX ), I called XXXX and they apologized for the inconvenience, and assured me that the balance would be removed. Several months later, I got a similar notice. I called XXXX again. They advised me that there was no balance showing on the account for ANY of the previous addresses, and that I should disregard. Fast forward to mid XXXX, I start receiving notices from XXXX XXXX XXXX ( Debt collector associated with XXXX ) that I owed over {$400.00}. On XX/XX/XXXX, I filed a complaint with Consumer Financial Protection Bureau and on XX/XX/XXXX the issue was supposedly resolved. XXXX XXXX stated this in response to the complaint I filed : " ... .In response to this complaint, XXXX XXXX has closed this account in our office and returned it to XXXX XXXX If you have any further inquiries regarding this matter, you may contact XXXX directly. We sincerely hope this represents a satisfactory resolution to your concerns .... '' Now, I'm getting a notice from I.C. System Inc for the SAME EXACT THING. I do NOT owe XXXX any amount of money. They are mistakenly trying to collect a debt that I do NOT owe. They have told me SEVERAL times that " this issue would be resolved '' or " I don't see any past due balances on your account '', etc FOR OVER 2 YEARS 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 2022-10-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The company keeps reporting that the three inquiries are legit and must remain on my credit report for two years after I advised them they where being fasley reported due to identity theft and fraudulent activity. I disputed this on XX/XX/2022 and on XX/XX/2022 it came back as verified and accurate no therefore no investigation was done!!! Im being violated clearly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: NCB Management Services Inc.
State: MO

Complaint narrative:
In Accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  XXXX & NCB Management Services XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation