vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I opened an American Express XXXX XXXX XXXX credit card in XX/XX/2021, which came with unsolicited e-mails regarding credit card offers and enrollment in their credit monitoring product. In XX/XX/2021, American Express canceled my credit card account, at their discretion, when my authorized user on the account used abusive language on a phone call to American Express customer service. Despite the account being canceled by American Express, and not me, I continued to receive special e-mail offers and e-mails related to their credit monitoring tool, none of which I was able to use because my account had been canceled and closed by American Express for a reason that did not directly involve me personally. There are no " unsubscribe '' links available in the e-mails to stop these unwanted and unsolicited e-mails from being sent to me. I attempted to log-in to my closed account, and because my account was obviously closed and inactive, I was unable to log in and change e-mail preference to state that I did not want to receive any further marketing e-mails from American Express XXXX As you will note in the attached e-mails, these unsolicited and unwanted marketing e-mails were sent AFTER my account was closed by American Express. As a result, I have had absolutely no way to stop receiving these communications, and American Express does not provide any opt-out link in the e-mails themselves. I believe that American Express is using unfair, abusive and deceptive marketing practices in their e-mails to me : they are sending me unwanted and unsolicited communication regarding an account that was closed, and I have no way to remove or unsubscribe myself from their communications. American Express should have policies and procedures in place to ensure that former customers are not sent harassing, deceptive, unfair and abusive marketing e-mails with no way to remove oneself from them. Furthermore, I have tried to resolve the issue of these e-mails with American Express directly, and none of their customer service representatives has any clue who would handle such an issue. In the end, I'm stuck receiving abusive, deceptive, unfair and unsolicited marketing e-mails that may potentially contain the misuse of my personal and confidential information on my closed account. All relevant documentation showing that these communications were received AFTER my account was canceled by American Express are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I was notified by XXXX XXXX that there was a change on my Transunion credit report. I found that Transunion had added credit card reporting, defaulted loans information, credit inquiry information and an employer, all of which do not belong to me. These events belong to another person, whom I have disputed previously to be removed. Though this is a family member, in no way can their SSN, name or address be mistaken as mine and added to my credit report. This incorrect reporting continues to happen, and now also reflects their bankruptcy information and closed accounts! This has resulted in a reduction of my credit score at a time that it is most needed. This is preventing my financing for my Solar upgrade to my new home. This will also result in additional inquiries to get necessary financing to validate removal. I believe the issue is Transunion and their use of public unverified information possibly obtained thru a third party such as XXXX XXXX. I feel resolution of this is not being done in a timely manner, nor professionally and have done everything within my power to rectify this prior to this complaint. The individual that is reflected is my twin sister, but as earlier stated, does not have a similar first name or social. She has only recently moved in with me, but this RECENT change would not justify her previous history being reported under my credit report. I state that this issue is ONLY Transunion at this point and want complete resolution and removal of all discrepant information not pertaining to me removed. I am frankly surprised that this lack of identity match is being displayed for me to see which is providing me access to information I think should not be disclosed per FCRA reg 611-615

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 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
Attempted to contact collections company to settle or pay debt. Found the following information that the collection company is Inactive Status listing all contacts below and request Immediate Removal from All Credit Reporting Bureaus I have attempted to contact Talbott, Adams & Moore to set-up a settlement on your behalf however we contacted the following numbers below and discovered the company is Inactive. We also found them on a rip-off report site. https : XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX Not to mention on the Credit Report they are not listed as a Creditor with contact information! 
Main Data Company Name Talbott , Adams & Moore , Inc. 
Company type XXXX XXXX XXXX XXXX TX XXXX number XXXX XXXX XXXX XXXX Company Status Inactive Agent Talbott , Adams & Moore , Inc . Description Talbott , Adams & Moore , Inc. is a company started on XXXX and registered under ID XXXX. Employer Identification Number ( EIN ) / Tax ID of this company is XXXX. This business is listed as a Foreign Profit Corporation. 

Talbott, Adams & Moore , Inc. has two directors. They are : XXXX XXXX, XXXX XXXX. 

Talbott, Adams & Moore , Inc. agent is XXXX XXXX XXXX XXXX. This agent address is XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My XXXX and I opened a checking account at a Chase Bank branch in XXXX, AZ on XX/XX/2022. ( We recently bought a winter home in Arizona ). The account was opened with a personal check from a friend. About XXXX week later my XXXX personally deposited a rather large check. A day later my XXXX personally deposited another check. We subsequently received a letter in the mail dated XX/XX/2022 saying that they blocked the account and it was soon going to be closed. We went to the same branch where we opened the account and have been making deposits and they said it was because XXXX of the checks was made out to a trust. While we were there, at the banks request, we had a copy of that trust emailed to the bank. The bank ( er ) was satisfied with that and asked that we give them a few days to get the account cleared up. We called the bank yesterday, XX/XX/2022, to be sure everything was taken care of. We were told that no, our account had been closed. We said then that we wanted our money ( approximately {$150000.00} ) and they said they would have to send a check. They now say that they can not do that because they are questioning the original check with which we opened the account ( only about {$1500.00} ). They say they need to talk to the person who wrote the check but that they would need to call him. We provided the bank with his XXXX telephone numbers but they came back and said that they couldnt find that those phone numbers were associated with him and that he would need to personally go into a Chase Bank branch. However, he lives in XXXX XXXX, IA where there are no Chase banks. We are left with really no solution from them and we cant get our money. By the way, all the funds long ago cleared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management calls every day up t 26 times a day. No message is left. They use different numbers : XXXX, XXXX, XXXX. XXXX, XXXX I contacted them and asked them to stop calling. I keep blocking each new number. I do not have any outstanding debt with them. I have never received any communications via mail, so I do not know the nature of their harassment. They have been calling for about 6 months incessantly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
THIS IS ADD-ON TO REPORT # XXXX - vehicle loan/lease - AMERICAN HONDA FINANCE CORPORATION. All reports regarding the above & XXXX XXXX XXXX, XXXX should be consolidated. 

Date of Incident : XX/XX/XXXX Details : To the reader Greetings : On XX/XX/XXXX XXXX XXXX XXXXfinance manager along with XXXX XXXX XXXX Dealer at XXXX XXXX XXXX, XXXX have committed fraud against this natural person and consumer along with AMERICAN HONDA FINANCE CORPORATION First in the form of a consumer credit transaction where fraud, material misrepresentations are present along with failure to disclose key information. The next offense occurred via improper use of consumer reports and using the mails to commit to fraud who obtained my information without my authorization and profited from without compensating me & used mails to fraud me into payment after I directly asked for clarification against the United States Constitution and my God-given unalienable rights. 

On XX/XX/XXXX, ( The next day ) I return to the dealer and explained my wish to rescind the contract, He explained that I could not just leave the property. The previous day XXXX XXXX finance manager did have a firearm on his person in which he demonstrated to me, so I was hesitant. 

On XX/XX/XXXX, after communicating with XXXX XXXX on the phone where he hung up on me, following the illegal repossession of my registered property VIN # XXXX which generated a Police Report at XXXX Police Department # XXXX and Complaint, for nuisance and disturbance. 

On XX/XX/XXXX, I did mail Letter of XXXX and XXXX XXXX for the Transaction that occurred from fraud on XX/XX/XXXX via certified mail return receipt requested. I have not heard back from the dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TX

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX  XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$2600.00} XXXXT XXXX Balance : {$790.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$20000.00} DEPTEDNELNET XXXX Balance : {$6300.00} XXXX XXXX Balance : {$7900.00} Late/Closed XXXX  XXXX Balance : {$0.00} XXXX FIN XXXX Balance : {$0.00} ChargeOff XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$910.00} CB INDIGO XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} Collection XXXX XXXX IN XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX REC XXXX Balance : {$120.00} XXXX XXXX, XXXX XXXX XXXX : {$69.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX Balance : {$790.00}

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 2022-02-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian credit bureau is a company that do not work for the people they are reporting & providing a service to. They are working for companies that pay them to keep a consumer in debt. I have had so many problems with this company over the years from discrimination to down right refusing to do a proper dispute investigation. I have written over 15 certified letters over time to this company on inaccurate information they have been reporting on my credit report. I even requested numerous times for a written letter on how they are able to verify accounts that the other two Agencies XXXX XXXX XXXX can not verify & has removed in a result of not being able to validate the collection. I have two collection reporting on my Experian & in both case I requested in writing proof of what & how they validate the account. I wanted proof that they were not just skipping steps & putting validate. I even spoke to a manager at Experian that was beyond rude & told me that they dont have to send me any proof because their investigation is private not for the consumers. I even ask if he was on a recorded line & he said yes because I could not believe the way the manger was speaking to me. When proof of identity is sent in with driver license that show our XXXX Experian makes their ruling base on that. All of my calls & behavior by the employees lead me to believe that they are not verifying my accounts because they stand more to gain.

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 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
My card was used and XXXX was taken out of my Chine card with out my knowledge in XXXX I live in upstate ny. I called immediately after to try and see what was going on. I was told to wait a couple days until The atm purchases were approved. I have never heard of atm withdrawal pending. Then I can dispute the charges. After they did a investigation '' and this morning at XXXX you concluded there was no fraud. I provided a police report of a previous incident in which my credit card was used in XXXX  last year. I requested a full refund refund and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My credit score with XXXX was XXXX and now it is XXXX. I tried contacting them to find out why my score dropped. I have not applied fir any credit. It is very hard to reach this company by telephone. I need to know why my credit scorXXXX decreased. This is causing me a problem finding somewhere to live. Why did my credit score decrease on XX/XX/2022? 

I am submitting this complaint with my former address that was used at the time I registered with XXXX. I am homeless at the present time due to landlord, XXXX XXXX deceptive business practices and gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit 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 2022-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Navient is trying to collect payments for XXXX and XXXX, 2022, while my loan has been transfered to XXXX, where no payments are due until XXXX, 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: GA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$7900.00} Late/Closed XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} ChargeOff XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} Collection XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$790.00}

Company response to consumer: Closed with explanation