vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to follow up on the complaint I filed with your respective organization on XXXX XXXX XXXX concerning a fraudulent incident involving Navy Federal Credit Union as my trusted financial institution, where the fraudulent transactions initially came from before being ultimately received by the scammers. I have also attached my first letter. Unfortunately, Navy Federal Credit Unions response remains unsatisfactory, as they never acknowledged nor responded to my complaint despite the urgent attention it needed and the gravity of the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
In XXXX, I was charged a {$550.00} annual fee for the year. In XXXX, Chase unexpectedly and without warning canceled my credit card while I was traveling, stranding me with no money. When I called, they said that my account was closed due to bank policy. They would not tell me what that meant and said I had to wait to get a letter in the mail a few weeks later, which was equally unhelpful. My account was completely irreversibly closed. The person in customer service on the phone informed me that since the account was closed that I didnt need to do anything further. After a while, I started to receive notices that I actually did owe money on the account, plus interest and late fees. I called Chase and they told me that because of what happened I would not have to pay the late fees or interest charges, and they obviously would not be charging me a {$550.00} annual fee for the year in which I did not have the card because they canceled it. Despite them having told me initially I wouldnt have to pay anything, I did then pay the {$7500.00} balance on the card so I would owe nothing and could be done with them. The only amount left on the account was the {$550.00} that they said would be refunded so my balance would show as XXXX within several business days. That did not happen. When I logged back into my account to confirm I had a XXXX dollar balance, I was now seeing the {$550.00}, plus additional interest of {$130.00}. When I called back, they told me they didnt have to do anything and that they would not be refunding me for the annual fee even though they canceled the card about XXXX weeks after I paid the fee for a full year. They also told me they would not be refunding me the interest theyre now charging me for that {$550.00}. They told me that I had to pay it, and that they would keep charging me late fees and interest if I didnt and said they would also report it to the credit reporting agencies. Please help me, I do not owe this money they told me and admitted I didnt owe it, and now they just tell me too bad and hang up on me when I call. They can not just charge me {$680.00} in the fee plus interest charges for a years worth of services that I paid for when they only gave me about XXXX weeks, and then ruin my credit when I try to dispute the injustice. 

*update, since I last complained they have now upped the unjust charges to {$720.00}. They replied to my last CFPB complaint saying they would not do anything due to vague bank policies whatever that means. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: MO

Complaint narrative:
On XX/XX/XXXX, I sent certified green return receipt letters to LexisNexis ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ), requesting the validity of the bankruptcy they are reporting on my credit report. I received back a generic response from XXXX on XX/XX/XXXX : No change needed to be made to the item. On XX/XX/XXXX XXXX sent the results of their investigation. They stated they validated the information through a third party vendor, LexisNexis. On XX/XX/XXXX I sent a certified green receipt letter to LexisNexis ( XXXX ) along with the letter from the bankruptcy court stating that they do not report to the consumer reporting agencies. I have let all credit reporting agencies that they a going against 15 USC 1681b ( 2 ). Because LexisNexis had not responded and 30 days had passed, on XX/XX/XXXX, I sent my final letter in regard to this alleged public record on my account by certified green receipt letter ( XXXX ). Section 1681s-2 ( b ), provides that when a disputed item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must delete or modify it as appropriate, based on the results of the reinvestigation.. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Section 1681i goes on to provide that, any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified, the consumer reporting agency must in some circumstances notify certain people who previously received a report with the now-deleted information. That provision thus contemplates that when information can no longer be verified, the proper response is to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: Ability Recovery Services, LLC
State: CA

Complaint narrative:
On ( XX/XX/year> ), I sent a letter to ( ABILITY RECOVERY SERVI ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( ABILITY RECOVERY SERVI ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( Enter Date Mailed ), along with an updated FTC identity theft 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 2024-02-13 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:
XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION and XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-13 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I purchased XXXX XXXX tickets on XXXX XXXX XXXX and cancelled them right away. Amex and XXXX said it would take up to 8 days for the funds to be returned. Going into XXXX I made several calls and was on several chats with both Amex and XXXX XXXX and I was told that XXXX XXXX on XX/XX/2024 charged a separate charge for the same amount and has not returned the funds. When I spoke with XXXX, they did not see a XXXX charge and they also refused to talk with Amex to authorize the release of the funds because they said it was release XXXX hours after the cancellation had been made. Amex refused to release the funds and I had to call and chat several times over a month. It was thousands of dollars! The day after a payment was due, they released the funds and charged a late fee of XXXX to my account for non payment. The funds all of a sudden released with no problem today XX/XX/XXXX. In the mean time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and because the funds were not put back in a timely mannerXXXX I lost not only the money, but also affordable plane tickets for them AND an appropriate XXXX because by the time the funds were back in the account, which happened today, all the accommodations to fit the students were sold out. That there is no consequence for a big company when they do wrong but I have to pay a XXXX late fee when they do not after they do not return funds in the time they say they are suppose to is unconscionable. All I asked was for the XXXX fee be waived for all this trouble and they denied the request. Now I will not use the card because I do not trust that they have my best interest in mind and they do not care how much they ruin your life with their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB AUTO fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). JPMCB AUTO is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: Early Warning Services, LLC
State: NC

Complaint narrative:
Early Warning Services has refused to provide me with a webpage that allows a consumer to request a security freeze, in violation of the Fair Credit Reporting Act 605A that says : " A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; '' Fair Credit Reporting Act 605A also says, You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. '' Early Warning Systems claims they are exempt from the freezing requirement by sending me a letter that says, " The Fair Credit Reporting Act exempts consumer reporting agencies identified by Section 603 ( x ) from the requirement of accepting or referring freeze information to other consumer reporting agencies such as XXXX, XXXX, or XXXX. '' It is true that Early Warning is a specialty consumer reporting agency as defined in the section, but THERE IS ABSOLUTELY NOTHING in the Fair Credit Reporting Act that exempts consumer reporting agencies identified by Section 603 ( x ) from the security freezing requirements of 605A of the Fair Credit Reporting Act. Therefore, Early Warning Services is in continuous violation of section 605A of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
midland credit adjusters and XXXX and XXXX XXXX have all illegally reported transactions that are inaccurate and they never had my consent and I am a protected consumer by federal law and I have a right to privacy and I have to be notified that i have the right to opt out due to my right to privacy act of 1974.

they have been reporting and causing me to have a lower score, damaging my to credit and violating my right to privacy and they are not to report without my expressed and written consent 15 usc 1681 and I need this account to be updated and deleted as I have NO COLLECTIONS. They are violating the FCRA and the FDCPA. I have a right to privacy and they are violating me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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:
XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXXXXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-13 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: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Ive been in communications with ( TransUnion, XXXX, or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. Law 15 U.S. Code 1681 ( b ) clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, concerning the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 

This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX, or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This is clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 


Thank You 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 2024-02-13 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: MI

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT MY INFORMATION WAS USED WITHOUT MY CONSENT AND NOW I HAVE THE FOLLOWING ITEMS ON MY CREDIT REPORT AS A RESULT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete also the Following Inquiries from My Credit Report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
The debt collection agency did not follow the rules outlined in the Fair Credit Reporting Act ( FCRA ) before reporting the debt to all three credit bureaus. It has affected my credit score adversely. 

The debt collection information is below : Columbia Debt Recovery LLC, dba Genesis XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX from XXXX to XXXX PST, Monday to Friday www.genesiscred.com Below is the file number : Reference : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Sterling Infosystems Inc.
State: SC

Complaint narrative:
I accepted an offer of employment on XX/XX/24. I gave consent to a background check by providing the last four digits of my social security number along with agreeing to all terms during the application process, well before accepting an offer of employment. On XX/XX/24 I provided my full social security number and verified my information to confirm my identity. I was hired and started the job training on XX/XX/24. My offer of employment was placed on hold on XX/XX/24 due to a delay in the return of my background check. I was asked by the company to not return back to work until the background check has returned. The background check was performed through Sterling. Sterling is very unprofessional by failing to complete employment background checks in a timely manner. From my understanding it has been fourteen days. Companies can not delay employment offers due to Sterling 's inability to perform its duties in a timely manner. Sterling has stalled the background process for no apparent reason. Sterling promote a turn around time of 3-5 business days with most backgrounds completed within 48 hours. I am disappointed with this company along with any state entities and/or employers that has contributed to the delay of my background. I did not receive an update until I requested an update.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax does not provide 2-factor authentication for accounts, leaving us extremely vulnerable to identity theft. 

Both XXXX and XXXX have 2-factor authentication.

Company response to consumer: Closed with explanation