vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/2023 XXXX XXXX application refence number XXXX made a online extension to obtain money for personal reasons, i received a denial from Chase bank stating they would not approve my application due to the information they SAW on my consumer report, Please note this is the first problem i would like to bring forth because under the Fair credit reporting act 15 U.S. Code 1681b ( c ) ( 2 ) it Limits the information someone can received ( 1 ) ( B ) A person may receive pursuant to paragraph 15 U.S. Code 1681b ( 1 ) ( B ) ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. 

15 U.S. Code 1681b ( c ) ( 2 ) ( c ) Cleary states you can not receive information on me regarding disclosing any relationship with any particular creditor or any other entity, meaning you should not see any information between me and another person, in addition you are in violation of the FCRA 15 U.S. Code 1681b ( f ) obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) my consumer report was obtained for a purpose for which the consumer report is not authorized to be furnished ( 2 ) and there was no certified purpose in accordance with section 1681e of the Fair credit reporting act as prospective user to obtain the report through a general or specific certification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I am writing to complain about actions taken on my account that resulted in my credit score decreasing by XXXX points on XXXX.I have also initiated a dispute with XXXX concerning this matter. The problem started in XX/XX/XXXX. Two payments were sent from XXXX XXXX  in the amount of {$52000.00}, dated XX/XX/XXXX and XX/XX/XXXX. When I discovered these duplicate payments I contacted XXXX XXXX to notify them of the error. The XXXX credit card statement shows balance total - {$77.00} balance total and {$.00} minimum payment due XX/XX/XXXX. 

My credit card was declined on XX/XX/XXXX at XXXX. Later that same day, I called BOA and spoke to a service representative. I explained the problem with the duplicate payment and that my credit card statement stated XXXX minimum payment was due as of XX/XX/XXXX, He stated that on XX/XX/XXXX XXXX BOA did a payment adjustment in the amount of {$520.00} on XX/XX/XXXX for the payment dated XX/XX/XXXX which caused a credit payment to be overdue. He told me that he would waive the late charges and interest if I paid the payment at that time. He advised me to make the payment on the BOA application which I did while I was talking to him. After he was able to verify the online payment he reactivated my credit card and removed all late charges and interest. I asked if my payment would be reported as late to the credit bureau and he said that it would not as it was not over 30 days late. 

Although the electronic payment was made on XX/XX/XXXX and posted on XX/XX/XXXX in the amount of {$520.00} pursuant to my phone call the previous day to BOA, another payment in the amount of {$520.00} was returned unpaid by BOA on XX/XX/XXXX for the payment dated XX/XX/XXXX. Bank of America had already done a credit adjustment for the duplicate payment of XX/XX/XXXX on XX/XX/XXXX which was shown on the XX/XX/XXXX statement. This was clearly a BOA error. I am being unjustly penalized due to their actions. See attachments. I made payments to BOA for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Thank you for your consideration of this matter.

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 2023-10-14 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Notice of pending litigation seeking relief & Monetary Compensation under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance & 15 US CODE 1681o Civil Liability for Negligent Noncompliance & 15 US CODE 1692k Civil Liability. 15 US CODE 1681c-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUISNESS DAYS AFTER THE DATE OF RECEIPT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Notice of pending litigation seeking relief & Monetary Compensation under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance & 15 US CODE 1681o Civil Liability for Negligent Noncompliance & 15 US CODE 1692k Civil Liability. 15 US CODE 1681c-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUISNESS DAYS AFTER THE DATE OF RECEIPT.

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 2023-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I have been making on time payments for a title loan over a year and the amount owed has never decreased only increased. When I make my payments on the XXXX of every month of XXXX dollars the only option that I am given is to refinance so the payment will be accepted. But the amount never changed after a full year of making on time payments. No of my payments are being credited to the amount needed to get my titles back from the TitleMax company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am not liable for these accounts. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
I did not sign a contract with these collection agencies. They did not provide me with the original contract with my signature on it.

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 2023-10-14 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: GA

Complaint narrative:
Im begging you please remove this to the credit 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 explanation
Consumer complaint received 2023-10-14 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: CA

Complaint narrative:
i did not open these accounts

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 2023-10-14 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: GA

Complaint narrative:
I received this gift card a few months ago and just decided to use it for an online purchase. It was declined twice at one store on XX/XX/23 and I tried to use it again at another store on XX/XX/23 where it was declined twice again. I have sufficient funds to make the purchase however now when I check the balance I see every attempted transaction incurred a pending {$0.00} charge. My {$45.00} American Express gift card is not only useless online, it now is only worth {$44.00} despite never using it. I have checked the American Express website to see how to resolve this issue but there is nothing of significance. I am not the only one with this issue as there are entire communities of people saying these cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. It's entirely unacceptable to advertise these cards as usable everywhere when that couldn't be further from the truth.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company 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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Called in multiple times for company to update the credit reporting, company refuses. I paid off my XXXX loan with XXXX XXXX XXXX  months ago. The company is still reporting that I have an auto loan with them. On my credit profile because of this it looks as though I have XXXX auto loans. Im disputed information with all three credit bureaus and XXXX advised all three bureaus that the information is correct. I have proof of the XXXX balance

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Called in multiple times for company to update the credit reporting, company refuses. I paid off my XXXX  loan with XXXX XXXX XXXX  months ago. The company is still reporting that I have an auto loan with them. On my credit profile because of this it looks as though I have XXXX  auto loans. Im disputed information with all XXXX credit bureaus and XXXX advised all XXXX  bureaus that the information is correct. I have proof of the XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  card opened XX/XX/2019 amount XXXX XXXXXXXX this account is closed and is reporting inaccurate account number and inaccurate XXXX card limit when opened. I would like for this account to be removed from my credit report for inaccurate info and violation of consumer law 15 USC 1681i

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX - credit card opened XX/XX/2019 amount {XXXX XXXX this account is closed and is reporting inaccurate account number and inaccurate XXXX card limit when opened. I would like for this account to be removed from my credit report for inaccurate info and violation of consumer law 15 USC 1681i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  card opened XX/XX/2019 amount XXXX}, XXXX this account is closed and is reporting inaccurate account number and inaccurate credit card limit when opened. I would like for this account to be removed from my credit report for inaccurate info and violation of consumer law 15 USC 1681i

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 2023-10-14 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: SC

Complaint narrative:
I received this email XX/XX/23 : XXXX XXXX, Here 's a reminder : A new personal loan inquiry was added to your XXXX credit report. * This could affect your score, but the impact generally gets smaller over time. 

If you already took out a loan, let us know what you got your loan for, and we'll adjust our future emails to your goals. And if you're still looking, we can help you compare personalized recommendations based on your needs. 

Keep the momentum going - head over to XXXX XXXX to get started. 
_____________________________________________________________________ I NEVER APPLIED FOR ANY LOAN. I CHECK MY CREDIT OFTEN, AND I THINK XXXX  XXXX  NEEDS TO DO BETTER ABOUT PROTECTING YOUR INFORMATION. I HAVE A HARD CREDIT INQUIRY THAT HURTS MY CREDIT SCORE. I DIDN'T APPLY FOR ANY LOAN FROM TAB XXXX. THIS IS FRAUD. 
XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXX/XX/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 2023-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc.
State: AR

Complaint narrative:
Calls multiple times a day, with one call after XXXX CST tonight, XXXX. No mention of money owed, nor answering of questions or proof in writing. Have number called from and time stamps on call log.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Money Services, Inc., d/b/a Texoma Finance
State: OK

Complaint narrative:
In accordance with the Fair Credits Reporting Act the creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 Section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NY

Complaint narrative:
I lived at the apartment for two years never owed rent but during Covid 2020 lost my job told management that I am having difficulty paying my rent they encouraged me to stay stating that I was a good paying tenant I hanged on payed the rent while working odd jobs. In the end I lost everything I owed 1 month rent I had no where to go no $ to put my expensive furnitures in storage I walked away from everything I owed {$1600.00} in rent, my furnitures were worth about {$8000.00} they sold everything and put me in collections for over {$6000.00} and is charging me interest every month on this debt!!! Which I believe is illegal why are they charging me interest? This is not a federal loan? I tried to explained to the company that the amount is incorrect and they ignored me.

Company response to consumer: Closed with explanation