vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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:
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 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 any 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 2022-05-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX  XXXX says on my credit report that I owe them {$13000.00}. I have filed several disputes and this is from 2011. I have called the XXXX to pay this debt but when I put in my social security number it states they have no record. I am trying to get this removed due to the date of 2011. This is my last effort in doing so. Please advise or help me.

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 2022-05-19 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received an offer for Delta SkyMiles Amex Gold Card ( XXXX XXXX ) with {$99.00} annual fee waived for the first year. Called twice to confirm fee will be waived ( on XX/XX/XXXX # XXXX and XX/XX/XXXX # XXXX ) but received first bill with a prorated fee! I called a third time to complain ( on XX/XX/XXXX # XXXX ) and was told the " back office '' determined fee would not be waived in spite of my written offer and my being told twice fee would be waived. Plus, I was not informed the fee was reinstated when Amex made this back office determination. Am waiting to hear Amex resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My student loan servicer, XXXX, is reporting my student loan as multiple accounts. So instead of one student loan account, my credit report shows 12 different accounts for different amounts. Before the pandemic, I was struggling financially and missed three payments on my student loans. However, since it shows as multiple accounts, my credit report shows 36 missed payments as opposed to 3. I need my credit report to more accurately reflect this because this is preventing me from qualifying for loans and better credit cards.

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 2022-05-19 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX  XXXX XXXXAlly Financial x2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dba XXXX  XXXX XXXX XXXX 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 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 withouth 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 2022-05-19 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: Open Dealer Exchange, LLC
State: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 withouth 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 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
on XX/XX/2022 I received a charge of {$75.00} on my debit card On this date I was working at XXXX XXXX XXXX in XXXXXXXX XXXX  the charge was from XXXX XXXX in XXXXXXXX XXXX. 

Boa has denied my claim twice and stated it was a chip on chip transaction. 

I provided Boa a signed letter and emails from my company that I was at work that day and not travel to XXXX to get my nails done Boa did NOT contact the merchant and they were unable to give me a time or a signed receipt from the merchant. Did the store have cameras. etc this is {$75.00} but what if were {$1500.00}.? 

i have called the last 2 days and they will not even accept my calls

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America says on my credit report that I owe them {$13000.00}. I have filed several disputes and this is from 2011. I have called the XXXX to pay this debt but when I put in my social security number it states they have no record. I am trying to get this removed due to the date of 2011. This is my last effort in doing so. Please advise or help me.

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 2022-05-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX says on my credit report that I owe them {$13000.00}. I have filed several disputes and this is from 2011. I have called the XXXX to pay this debt but when I put in my social security number it states they have no record. I am trying to get this removed due to the date of 2011. This is my last effort in doing so. Please advise or help me.

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 2022-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Final attempt to resolve the validity of this debt, cease collection activities, and XXXX am this morning was not a good time to call me and threaten legal action up to including jail time. 

" This correspondence is in reference { ... } a supposed debt still owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Service XX/XX/XXXX. The disputed amount was included in billing on XX/XX/XXXX and paid by XXXX XXXX  Check on XX/XX/XXXX, received by XXXX  XXXX  XXXX  on XX/XX/XXXX. 

A further communication from XXXX  stated an additional amount of XXXX was still remaining as on XX/XX/XXXX and that amount was paid XX/XX/XXXX and confirmed received via phone conversation with XXXX XXXX XXXX XXXX XXXX, with XXXX ( sp ), on XX/XX/XXXX. XXXX XXXX was unwilling to confirm any additional information, at that time, as the account had been turned over for collections. 

1. You will cease and desist all collection activities 2. You will no longer contact her at any numbers you have listed for her 3. We will only recognize written contact with the resolution with this matter from the initiating creditor to include an apology from their escalation department 4. You are being reported to the Consumer Financial Protection Bureau for harassment of the above named individual a. Continuing to attempt phone contact after being advise, via phone conversation on XXXX XXXX, XXXX that the debt was disputed b. Continuing the initial phone contact with consumer after being advised she was currently in the XXXX  with XXXX access to financial information c. Continuing the initial phone conversation with the consumer on XXXX XXXX, XXXX and insisting she provide you with banking information YOU contacted the consumer, the consumer is not obligated to provide financial information without first verifying the call is legitimate and not a scammer d. Continuing the initial phone conversation with the consumer on XXXX XXXX, XXXX with derogatory statements and threats of legal actions that could include jail time e. Additional attempts to contact the consumer on XXXX XXXX, XXXX after a nurse confirmed that she was in the hospital and unable to take phone calls of this nature f. Continuing to attempt phone contact with consumer after written notification, sent via certified letter from XXXX XXXX XXXX XXXX client 's attorney- on XXXX XXXX, XXXX g. Continuing to attempt phone contact with the consumer 5-20 times per day h. Attempting to contact the consumer almost 100 times in a 30 day time frame 5. Per contact with XXXX on XX/XX/XXXX, at XXXX, it was confirmed by XXXX XXXX this debt was paid in full on XX/XX/XXXX and should have never gone to collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On or about XX/XX/2022 I received an email from TD bank thanking me for opening and account. At first I didn't open the email, until I got a follow up email informing me that my email address had changed. I then called XXXX bank inquiring about the said account. I informed them that I never opened an account, they instructed me to report the matter to the police, credit bureau and check my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello- For the last XXXX years, I have tried to update the checking account on file that my Chase Credit Card charges in automatic billing. I no longer store funds in the checking account on file so each time Chase processes a credit card charge, the checking account on file becomes overdrawn and I'm hit with an overdraw fee of {$35.00} by the bank with which I have checking account ( not Chase. ) I am also assessed fees of varying degrees by Chase for being late on my monthly payment. I have tried to call several times over the past XXXX years to resolve this, and have tried to resolve it online. Chase support agents have not been able to update the checking account on file, claiming only I can do that on my online XXXX account. I have explained to them that I try to do so but the " Manage '' button for automatic billing does not work on my account, and therefore I am unable to make the update. I have asked to disenroll in automatic billing instead which they have failed to complete and which I am unable to do within the XXXX  application. They further claim that I do not have any other checking accounts connected to my Chase account, even though I pay from another valid checking account every single month. I don't enter the info for that account from scratch each time I pay. The account is in fact stored as my default manual payment option when I manually pay my credit card on the XXXX application. Despite that, they claim the account is not connected. This dilemma has cost me hundreds in overdraft and late payment fees and may have impacted my credit. I am at my whits end for resolving this as each time I call, I'm cycled through a circle of agents, none of whom believes a solution to my problem exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inaccurate information that is reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX, MI 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 explanation
Consumer complaint received 2022-05-19 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: KY

Complaint narrative:
My ex-wife has been using my social security number without my consent or knowledge. Upon completing in-depth research, my Social Security Number had been utilized to check ( at least ) my credit scores on XX/XX/2022 and XX/XX/2022. I have documentation of these two dates, but my SSN may have been used for more than that, as my credit score dropped significantly through one of my lenders. I know this is illegal and want to follow the correct steps to remedy this situation ( fines, cybercrime, etc. ). Her actions have detrimentally impacted my credit score, my financial reputation, and have left me feeling vulnerable, exposed, and worried about the use of my social security number.

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 2022-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been in contact with this company as well as the Consumer Reporting Agencies since XX/XX/2021 in regard to this fraudulent account reporting on my consumer report. Account number : XXXX I have receptively attempted to have this matter handled and JP MORGAN CHASE fails to follow FDCPA and FCRA guidelines. In fact, with complete disregard they violate FDCPA and FCRA laws by falsely reporting multiple late payments in one month. This erroneous and egregious act of trying to attempt on a fraudulent debt has caused tremendous turmoil in my livelihood. As JP MORGAN CHASE has violated Section 623 ( A ) ( 1 ) ( A ) ( B ) as they continue to furnish this fraudulent account to the Consumer Reporting Agencies.

As well as 15 USC 1681o 15 USC 1681s-2 I am also entitled to remedy for every late payment that has been reported since notice of the dispute of the fraudulent account. I have not received any goods or services from this company and have no intentions to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Choice Recovery, Inc.
State: NJ

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 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent out certified letters to all 3 credit bureaus stating to them my concern for the accounts that they have reporting on my credit report. They have failed to respond to any of the letters I have mailed out to them. I have given them 6 months to respond but they are failing to acknowledge anything that I have sent to them. The accounts that are reporting are inaccurate and do not belong to me. This alone has hindered my life and has stopped my ability to move forward with what I need in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent out certified letters to all 3 credit bureaus stating to them my concern for the accounts that they have reporting on my credit report. They have failed to respond to any of the letters I have mailed out to them. I have given them 6 months to respond but they are failing to acknowledge anything that I have sent to them. The accounts that are reporting are inaccurate and do not belong to me. This alone has hindered my life and has stopped my ability to move forward with what I need in life.

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 2022-05-19 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: PA

Complaint narrative:
In accordance With the fair credit reporting act XXXX  account # 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 explanation
Consumer complaint received 2022-05-19 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
XXXX XXXX on XXXX this showed up on my XXXX XXXX report the next morning- reporting from XXXX. 
JPMCB on XXXX this showed on my XXXX XXXX  report the next morning - reporting from XXXX and XXXX. 
I have placed a fraud alert and a freeze with all XXXX credit bureaus. I have spoken with Chase and requested for the hard inquiry to be removed from my report. They accepted and said they would. 
I need more information on how to protect my identity and social.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Data from Experian XXXX XXXX. I dont recognize these accounts at all. These XXXX accounts is fraud. I have disputed these XXXX personal loan accounts 2 times through Experian. Company said information is accurate but it is incorrect. I lost my wallet. I check my credit reports to see if there is any incorrect information recently. Then I dispute the incorrect information on the credit reports. I called Experian spoke to the reps to file another dispute for fraudulent accounts on my credit reports again. Please help me to get this issue resolved.

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