vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have examined a copy of my consumer report, and during this review, I observed that both the consumer reporting agency and the so-called " creditor '' have provided my personal information without obtaining my consent. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, it is explicitly required that they obtain my written consent or have a court order to share any of my information on my behalf. I want to make it unequivocal that I do not grant permission for them to share my information on my behalf, and I am now formally instructing them to cease and desist all unlawful activities.

In accordance with 15 USC 1692a ( 2 ) of the Fair Debt Collection Practices Act ( FDCPA ), the term " Communication '' encompasses the conveyance of information related to a debt, whether directly or indirectly, through any means. This definition includes various forms of communication, such as oral, written, electronic, or any other medium. Consequently, the act of furnishing the Consumer Report, which contains information about the alleged debt, by the company qualifies as a form of communication under the FDCPA.

In line with my rights under 15 USC 1692c ( c ), I am now officially notifying you to immediately cease any further communication regarding this account. This cessation of communication extends to all forms of contact, including telephone calls, emails, social media, or through any Consumer Reporting Agency. Any additional contact made by your agent or company, except for a confirmation of receipt of this letter, will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you fail to comply with this cease and desist notice and continue to communicate, I will have no choice but to initiate legal action against you. I appreciate your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Received an Amex Gift Card for {$50.00} on XX/XX/XXXX XXXX XXXX I tried to use the gift card today at gas stations, grocery stores, online retailers, but it was declined every time. I also tried to transfer the gift card to XXXX but it was declined. I tried using the Amex gift card to reload money to my XXXX gift card but that was also declined. I called Amex and was told the card was active, and the card was also worth {$49.00} because some of the transactions I tried took ten cents off the total value of the card because of the denial.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, XXXX TransUnion, I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the Payment due date. 
I NEVER gave You, CREDIT REPORTING AGENCY OR ( XXXX ) ( XXXX ) any written instructions to furnish Any information on my consumer report which is a Violation of 15 USC 1681b. 
Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You CREDIT REPORTTING AGENCY, should be ashamed of yourself for ASSUMING this role and Position. 
To constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following account were NEVER late and should be listed as PAYS or PAID AS AGREED GOODLEAP I was never late on XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XX/XX/2023 on this account please update the account as Paid/Current. 
XXXX I was never late on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 XX/XX/2023 By the provisions of the fair Credit reporting Act, I demand the these Items be investigated and removed from my report and I demand that you proving me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with The creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 168i ( a ) you must complete this reinvestigation within 20 days of receipt of this letter. 

Please send an updated copy of my credit report Reflecting the requested XXXX. 

Best Regards, XXXX XXXX ( Agent Beneficiary ) Without Prejudice, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 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: LEXISNEXIS
State: MI

Complaint narrative:
A bankruptcy was reported on my credit report on XXXX. I contacted the Bankruptcy Court, and they told me that they would send a letter stating that by law that they do not report to the credit bureaus. I received the letter and would like to have the company reporting the bankruptcy held accountable for fraud. The company XXXX XXXX fraudulently shared my information publicly without my consent even placing it under the courts name as the reporting agent. Please remove from all Credit bureaus as thins information is inaccurate and misleading and caused damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: NC

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to address a concerning issue related to a recent dispute I filed with Experian. I submitted supporting documentation in my initial dispute regarding my XXXX XXXX account, disputing the accuracy of reported information. 

However, upon attempting to initiate a second dispute, I received a response stating, " Looks like you've already filed a dispute for this item. Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we won't process a duplicate dispute unless you provide new, relevant information. '' This response is perplexing, as I have not previously disputed this specific item. Furthermore, the statement fails to acknowledge the supporting documentation submitted in the initial dispute. 

I am filing this complaint to seek a fair and transparent resolution. The generic response from Experian lacks clarity and fails to address the specifics of my dispute. I request a thorough review of my documentation and accurate handling of this matter in accordance with the Fair Credit Reporting Act.

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 2024-01-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
THIS COMPLAINT IS TO SHOW THE CONSUMER FINANCIAL PROTECTION BUREAU OF MY NOTICE TO BANK OF AMERICA OF THEIR UNLAWFUL FURNISHING OF MY PRIVATE TRANSACTIONAL INFORMATION THAT CONGRESS DEMANDS BE EXCLUDED FROM A CONSUMER REPORT UNDER 15 USC 1681a (2) (ii)  AND 16 CFR 313 WHICH IS ALSO A VIOLATION OF MY PRIVACY PER THE PRIVACY ACT OF 1974 AND THEIR DUTIES UNDER 15 USC 6802.------------------------------------------------------------------------------------------------------------------------------------------------------------------------------NOONE CAN FORCE OR ASSUME CONSENT!----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------THIS NOTICE IS TO MAKE THE CFPB AWARE THAT BANK OF AMERICA  HAS BEEN MADE AWARE OF THEIR FRIVILOUS ACTS AND HAS BEEN DEMANDED TO CORRECT THEIR ACTIONS-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------SEE ATTACHED LETTER-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ALL FUTURE COMMUNICATIONS AND ANY REFUSALS TO DO WHAT IS RIGHT WILL BE KEPT AND RECORDED FOR EXHIBIT PURPOSES TO PROOVE WILLFUL NEGLEGENCE AND HARM TO THE CONSUMER AS WELL TO PROOVE AND SHOW A TOTAL DISREGARD OF THE CFPB AND AND DISREGARD OF BANK OF AMERICA OBLIGATIONS UNDER 15 USC 6801

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 2024-01-01 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: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I  DO  NOT BELEIVE  THAT  NAVY  FEDERAL  HAS  ACTED  WITH  MALICE  TO  VIOLATE  CONGRESS  LAW  INTENTIONALLY. THIS COMPLAINT IS TO SHOW THE CONSUMER FINANCIAL PROTECTION BUREAU OF MY NOTICE TO NAVY FEDERAL  OF THEIR UNLAWFUL FURNISHING OF MY PRIVATE TRANSACTIONAL INFORMATION THAT CONGRESS DEMANDS BE EXCLUDED FROM A CONSUMER REPORT UNDER 15 USC 1681a 2 ii  AND 16 CFR 313 WHICH IS ALSO A VIOLATION OF MY PRIVACY PER THE PRIVACY ACT OF 1974  AND THEIR DUTIES UNDER 15 USC 6802.------------------------------------------------------------------------------------------------------------------------------------------------------------------------------NOONE CAN FORCE OR ASSUME CONSENT----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------THIS NOTICE IS TO MAKE THE CFPB AWARE THAT NAVY FEDERAL  HAS BEEN MADE AWARE OF THEIR  ACTS AND HAS BEEN DEMANDED TO CORRECT THEIR  ACTIONS-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------SEE ATTACHED LETTER-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ALL FUTURE COMMUNICATIONS AND ANY REFUSALS TO DO WHAT IS RIGHT WILL BE KEPT AND RECORDED FOR EXHIBIT PURPOSES TO PROOVE WILLFUL NEGLEGENCE AND HARM TO THE CONSUMER AS WELL TO PROOVE AND SHOW A TOTAL DISREGARD OF THE CFPB AND AND DISREGARD OF NAVY FEDERAL OBLIGATIONS UNDER 15 USC 6801

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Requested information freeze to protect from unwanted inquiries, improper use of my information, etc. Inaccurate information reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
My account was closed on a decision of Merrill Lynch, once its balance got below its minimum for XXXX XXXX XXXX  Clients in XXXX, where they send their agents to open new brokerage accounts, without being authorized by the XXXXXXXX XXXX XXXX. 

I opened such an account over 25 years ago with number XXXX ( later echanged to ) access code XXXX, and suffered extensive losses, whiche led to my balance getting below the minimum required by Merrill for their XXXX clients. I was asked to provide information on where to send my stocks and cash. I provided the information for my Brokerage Account at XXXX XXXX XXXX XXXX  Many months later, I received the aforementioned check for {$34000.00} ( attached ), which arrived with many months of delay, when it had already probably expired because it had been sent by snail mail. which doesnt work in my Country. All our previous communications had been via XXXX XXXX XXXX XXXX, XXXX, XXXX ). I tried to cash the check unsuccesfully through my XXXX Account. 
Through the previous 4 years, I have contacted the XXXX Branch of Merrill Lynch, only to be told my account executive XXXX XXXX XXXX, then head of that branch, no longer worked there. I was routed to a Corporate Office, where I was told they would replece the check, and a year later someone else said they had not been able to do ot because the funds had been transferred to a " concentrating account '' and a long process required to retrieve them and issue a new check, which to date I have not received. This week, my call was routed to the XXXX XXXX XXXX XXXX, who said they could no longer locate my account because it had been " purged '', though the access code number was still traceable. I was told they would start an internal Customer Complaint but refused to give me a reference number or any means to follow up.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, Equifax XXXX, I received a copy of my credit report and I have found the following items listed below to be in error.

Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the Payment due date. 
I NEVER gave You, CREDIT REPORTING AGENCY OR ( XXXX XXXX XXXX XXXXXXXX ) any written instructions to furnish Any information on my consumer report which is a Violation of 15 USC 1681b.

Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You CREDIT REPORTTING AGENCY, should be ashamed of yourself for ASSUMING this role and Position. 
To constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following account were NEVER late and should be listed as PAYS or PAID AS AGREED XXXX I was never late on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on this account please update the account as Paid/Current. 
XXXX I was never late on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the fair Credit reporting Act, I demand the these Items be investigated and removed from my report and I demand that you proving me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with The creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 168i ( a ) you must complete this reinvestigation within 20 days of receipt of this letter.

Please send an updated copy of my credit report Reflecting the requested Changes. 

Best Regards, XXXX XXXX ( Agent Beneficiary ) Without Prejudice, All Natural Inalienable Right Reserve

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
In XXXXXXXX XXXX XXXX  I made a payment to BOA, where I had 2 credit cards. I made the payment to the wrong card, but it had a XXXX. The bank put the payment to the correct card and sent me a letter telling me they had done this and I wouldn't be charged late fees etc. On my credit report I have a late payment showing, which has made my other cards raise my apr 's. I called the company and was told it would take time to come off my report. it didn't. I called again and was told that the late payment couldn't be taken off. I sent a dispute through XXXX several times and it is still on my report. My statements for XXXX, XXXX, and XXXX from BOA show no fees charged so why can't we get this removed from my 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 monetary relief
Consumer complaint received 2024-01-01 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: TX

Complaint narrative:
I sent off a dispute in XXXX about fraudulent accounts on my credit report. Not only have changes have not been made the bureau has not even responded.

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 2024-01-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent off a dispute in XXXX about fraudulent accounts on my credit report. Not only have changes have not been made the bureau has not even responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: NY

Complaint narrative:
My social security number is XXXX On credit report experian their is Two negative fraud items that have the same account number and balance these duplicate fraud items supposed to be removed and blocked I have a federal trade commission identity theft report on file regarding XXXX their is one negative item that's fraud on my XXXX report and XXXX XXXX theirs three negative items I have a federal trade commission identity theft report on file please have experian and XXXX and XXXX XXXX removed these negative items

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As I am currently looking for a new home for my family and I, I wanted to make sure that the Credit Reporting Agencies have all accurate information. Upon discovery, I see inconsistencies in the information amongst the top XXXX credit reporting agencies ( XXXX, XXXX, and Experian ). As these companies know 15 USC 1681c ( 1 ) ( a ) ( 4 ) states that no accounts placed for collections shall be included in the consumer report. XXXX, XXXX and Experian has not received any written expressed consent from me, the consumer, in fact, XXXX XXXX, granting permissions for inaccurate information to be on my consumer report. I have been in dispute with the 3 credit reporting agencies for over a month with accounts coming back verified and I never verified any information which is also a stipulation under the FCRA. I have requested this information from the furnishers as well as the agencies.

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 2024-01-01 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: OH

Complaint narrative:
I have filed sever disputes with Experian and XXXX who keep verifying the account under false pretense and information. The company XXXX XXXX does not have my address and they are unable to verify my address or information but the credit agency been doing computer generated not using a live person to verify my info. These 2 agencies need to clear this off my report before I file a lawsuit.

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