vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
1I Sent my letter off on XX/XX/2022. 1 told the credit bureaus to investiage every piece of information on the accounts I have listed below. Also I have attached the letter l sent out and here is the Tracking number XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion there of in which information on a consumer 's 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 They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is reporting wrong and they couldnt have verified it I sent XXXX a XXXX letter to get the info on the account and it was returned because they sold the account this information needs to be delete asap thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: OH

Complaint narrative:
The credit bureaus are reporting an alleged debt on my credit from the department of education. I have reached out to XXXX after disputing with the credit bureaus to ask them to remove it and they " verified '' it. However, they did not " verify '' it as XXXX contacted me via mail and they have removed the debt collection as it was unable to be verified as mine.

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 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express continues to unfairly deny me a credit line increase for my Hilton and XXXX accounts. American Express has claimed the following ; We made this decision for the following reason ( s ) : Based on your credit report, you are or were past due with another creditor ( s ). 
Based on your credit report, you have to many requests for credit. 

After speaking with XXXX XXXX XXXX and their Fraud Unit, XXXX said American Express is providing " misleading information '' related to my credit report. 

XXXX confirmed, THERE ARE NO PAST DUE ACCOUNTS ANYWHERE IN MY CREDIT FILE. 

XXXX confirmed, THERE ARE NO REQUESTS FOR CREDIT ANYWHERE ON MY CREDIT FILE. 

American Express is fraudulently claiming there are negative marks on my credit report which prohibit them from considering my credit for a line increase. This is a violation of the FCRA. I am formally filing a complaint against American Express for violating my rights time and time again. XXXX outlined that the information presented by American Express in relation to my score is outdated and not valid. XXXX suggested that American Express ask for or review a current credit report that outlines the facts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 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: EQUIFAX, INC.
State: GA

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial
State: AZ

Complaint narrative:
I purchased furniture from a local store chain called XXXX XXXX. They offered/partnered with a lender for financing called koalafi. They store rep told me that the loan is interest free for the first 90 days then is interest bearing thereafter. I planned to pay off the {$4000.00} balance by then so it wasnt a concern of mine. They did not go into any further details about how the loan works. In my mind, traditional situations like this are common and there isnt anything fishy or catch that would make this worse than it appears. It was I wrong. When I signed documents, its through docusign just like many other set overs these days. Click a button and it skips to the end of the contract to sign. My fault for not reading it but when I get to the catch they erroneously didnt mention, the fundamental approach of this loan is predatory. Ok the terms of the contract as I understood them are that they will deduct {$270.00} biweekly. After 90 days the loan becomes interest bearing. I made an additional {$1000.00} payment during these 90 days to bring the payoff amount down to something more manageable by the time I get to the 90 days. These payments are automatic. I dont have to login to a portal or call to make the payments. I login to the portal to get my payoff balance on XXXX as I planned on paying it off and the balance not only was around the {$1300.00} it should have been around, the balance increased higher than the purchase price of {$4000.00}! ( It was around {$5500.00} payoff ). I checked the contract and after the XXXX payment, the balance automatically increases to this figure regardless of whatever the balance was previously prior to the 90 days. Bear in mind that the 90 day period ended on XXXX so I was 2 days late. So the {$2600.00} I paid up till that point went nowhere. As again, the balance increases to XXXX and is interest bearing with the same payment and schedule at 24 %. If I continued paying it on schedule the total amount paid for a couch and love seat would have been over {$13000.00}! I was able to get them to honor the original payoff amount after I raised XXXX with the rep and supervisor. They charged me 5 % of the original financed amount for the 2 days late and another 3 % of the payment amount in order to process the card payment outside the regular payment schedule. Fees fees fees. My payoff increased from XXXX to XXXX For anyone else that doesnt have the capacity to drop {$2000.00} to pay off the furniture, theyll have to get screwed by these guys and waste a ton of money or will end up in collections. This is a terrible loan, aiming to take advantage of people and definitely matches up to predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I called American Express Early XX/XX/2022 to cancel my American Express Credit Card. I was cancelling my card because I received an annual fee. As an exception American Express waived the fee and closed my account. Days later the fee was still on my account. Once again American Express stated the account was closed and they will waive the fee. Last week I received an e mail stating a min {$40.00} payment was due. American Express has locked me out of their online banking portal. i called them for a 3rd time. At this point they advised that I had a balance- of the annual fee. The representative ( Employee : XXXX ) stated they were not able to assist me, nor would they send me in writing the account was closed and the fee was waived. I had to wait for a call back. This caused major distress. The employee confirmed the in their system of record notes the account is closed, and the fee is waived. American Express was negligent and charged me an annual fee on an already closed account. This is very concerning, how may clients are they doing this too? This issue needs to be investigated. My account was closed. American Express 's system of record supports they waived the fee and closed my account in XX/XX/2022. XX/XX/2022 they charged a closed account an annual fee. They had no way to correct this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12 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: Diversified Adjustment Service, Inc.
State: AL

Complaint narrative:
I have reviewed my credit report and I have found several inquiries that are fraudulently incorrect. I have reported an identity theft as of XX/XX/XXXX, Disputing accounts that are on my credit by several different companies all who are named in this complaint. I would like to file a complaint against these companies due to the fact that I have previously told them that this is an identity Theft. also the fact that they continue to sell this debt to debt collectors. As a result, my credit report has been severely impacted because they are the only items reporting negatively on my credit report. I have also filed a report with the FTC identity Theft website due to the fact that these bills are not caused by me! I checked my credit report in XXXX XXXX XXXX and saw that these dates have been added to my report I would like these items removed once and for all from my credit report! 

Companies reporting fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
In XX/XX/2022 my American Express credit limit was {$6000.00} In XX/XX/2022 my American Express credit limit was {$4300.00} No letters or correspondence explaining this discrepancy My credit rating has been negatively impacted My monthly payment has now jumped fro {$91.00} to {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
on XX/XX/2022, I as the consumer notified XXXXCHASE CARDMEMBER SERVICES of a BILLING ERROR pursuant to title 12 CFR 1026.13 ( a ) ( 4 ) ( 5 ) on account # XXXX, in the amount of {$540.00}, since then the Billing Statement increase to {$640.00} as of XX/XX/2022. XXXXCHASE CARDMEMBER SERVICES never responded or investigated the Billing Error and that's a violation of 12 CFR 1026.13 ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. 
ALSO, according to the CFPB-Consumer Financial Protection Bureau in regard to a Billing Statement, the amount shown is actually a CREDIT BALANCE that represents a credit in my account that the CARD ISSUER owes I THE CARD HOLDER. ALSO, according to the CFPB I as the CARD HOLDER can call my CARD ISSUER and arrange to have a CHECK sent to me in the amount of the CREDIT BALANCE. I the CARD HOLDER is requesting that the CARD ISSUER send me a check in the amount of the credit balance in accordance with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
On XXXX XXXX around XXXX, I obtained a copy of my credit report and seen the account IC SYSTEMS on my report. I opened a dispute with XXXX and the representative also told me to contact the company IC SYSTEMS. I contacted IC SYSTEMS and I told them that their attempt to collect a debt is very unlawful. I spoke with XXXX XXXX Employee # : XXXX, I asked him how did his company obtain my information to furnish information on my credit report, he told me through XXXX. I asked him if the company verified that the alleged debt is valid against me and if they did verify where is the documentation. He then proceed to cut me off and say we can set up a payment plan. How can we set up a payment plan, when you can not let me know how you verified the information that XXXX sent you? This company is in violation of many FCRA acts. Listed below is the biggest act that I believe they are in violation of. 

18 U.S. Code 894- Collection of extensions of credit by extortionate means.

( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

IC SYSTEMS is in violation of this Act as they have not verified or validated the debt but are still attempting to collect. They are punishing me by reporting negative information on CRA reports which is negatively impacting my ability to obtain credit. 

I also NEVER consented for XXXX to give nonaffiliated third parties my information and I never received notice that XXXX was giving away my information. Unfortunately XXXX was in violation of the GLB Act. They failed to notify me a consumer about their information-sharing practices and failed to tell me of my consumer right to " opt-out '' if I don't want their information shared with certain nonaffiliated third parties. 

So even if this company IC SYSTEMS believes that they have followed all laws under FCRA rules, it is still in violation under the GLB 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 2022-07-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AZ

Complaint narrative:
Upon looking over my account Cash APP i discovered several transactions of large sums of money being transferred to several different people over a period of XXXX weeks. Currently i can not access ( XXXX ) my account show a balance from well over {$3000.00}. The acct was totally highjack leaving me penniless. 
I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was in the process of getting a place to stay as i am XXXX 
I can identify some of the people. They seem to be a group of people orchestrating massive fraud networking. I am also filing a police report as well. 
Your prompt responds to this matter urgent and i will certainly assist the XXXX, XXXX police depart. ONE THE MAIN CHARACTRE PLAYER GOES THE NAME XXXX XXXX ; I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Please read the email message below that I have already sent to Consumer Financial Protection Bureau and Chase Corporation. Because I am concerned how my credit could be compromised or damaged by ID theft and fraud, I am forwarding the original message to your office. 


from : XXXX XXXX XXXX to : XXXX XXXX : XXXX date : XX/XX/2022, XXXX XXXX subject : possible ID theft and/or credit or debit card fraud mailed-by : XXXX To Whom It May Concern : Today on my cell phone I received an automated message from Chase at XXXX reading XXXX " We Have Restricted Your Debit/Atm Card Due to Some Unusual Activity Detected, To Restore Follow ... '' This is highly suspicious because the debit card I carry is NOT Chase, but one connected to my XXXX XXXX XXXX XXXX XXXX XXXX. Also, the credit card I carry from XXXX XXXX Bank has an XXXX XXXX logo on it. 

For this reason I am contacting the Consumer Financial Protection Bureau and Chase Corporation. 

If anyone is using my name, financial credit and any credit card or debit card issued in my name please forward the information to the FBI and any applicable local and State police. If the Chase card in question was used in a XXXX country, in XXXX for example, please also report the crime to local, provincial and national law enforcement agencies in that foreign country or countries. 

Finally, if another person is using my identity or credit this must be put to a Stop and arrest rather than only be Restricted. I have NOT authorized any other user of any debit or credit card that I carry or have carried in the past. 

Sincerely : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX 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 an 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 2022-07-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX violated my rights. 

In accordance with the Fair Credit Reporting Act 15 USC 1681 & Fair Debt Collection Practices Act 15 USC 1692 XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that any debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1682. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief