vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Back in XX/XX/, XXXX worked in my family 's home to install Vinyl floors and everything seemed fine until they started calling me about an additional balance. Their policy is that they don't complete the work until you pay. So it is required that you pay before installation which, I did. My bank statement from the time shows several payments made to them. However, they still have on my XXXX account that I owe them {$830.00} which I do not. Before the sent the account to collections I spoke to a few people about it and was never provided a copy of a signed agreement nor a copy of an incomplete invoice. So this was removed from my XXXX and XXXX credit reports over a year ago. Now, I filed a dispute to remove it from XXXX but it was not removed nor was documentation to prove their claim provided. So, I'm reporting this because I don't owe that money and if they could prove I did I would have paid it years ago and they wouldn't have removed it from my other reports.

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 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America made the decision to close my credit card because they couldn't establish contact with me to verify personal information. They attempted to call me, but due to the fear of it being a scam, I didn't dare to provide personal information over the phone. Subsequently, they sent correspondence, which the USPS didn't deliver because I was out of town for personal reasons and couldn't receive it in time. Until XX/XX/XXXX, the bank took the drastic decision to close the credit card that I had maintained for over 8 years with an impeccable record. In my opinion, this was an unfair and radical measure. If it was for security reasons, they could have simply frozen it instead of closing 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 2023-12-23 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: CA

Complaint narrative:
My student loan was part of the federal forgiveness program and the outstanding balance was forgiven, leaving me with a balance of {$0.00}. I received a letter from XXXX stating the new {$0.00} balance, which I submitted to the 3 credit reporting agencies 6 months ago, when I start the dispute process. XXXX updated the account and correctly shows a {$0.00} balance. However, as of today XXXX and Experian haven't updated my account with the correct balance. They are still showing an incorrect balance, which is affecting my credit score and ability to refinance my home.

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 2023-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans Union, XXXX and XXXX are reporting an unvalidated debt, furnished by XXXX XXXX XXXX XXXX, purported to be owed to XXXX XXXX XXXX XXXX. This account was disputed by me, the referenced consumer, directly with XXXXXXXX XXXX XXXX XXXX, and this alleged debt was never validated. XXXX XXXX XXXX, along with the aforementioned credit reporting agencies are conspiring together to defame my character, creditworthiness and cause me financial harm and emotional distress. The continuous reporting of this negative and defamatory account is an infringement on my right to privacy as well as damaging to my credit reputation and character. The aforementioned credit reporting companies have a duty to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, per 15 USC 1681. These companies have blatantly disregarded my right to privacy and in the process continue to disregard the Congress 's rules, laws and orders regarding the protection of consumers ' privacy, per 15 USC 6801, 6802, 6821, 16 CFR 313.7. Notice to cease and desist and request for validation of debt pursuant to 15 USC 1692c, 15 USC 1692c ( c ), and 15 USC 1692g were mailed via certified mail to the original creditor and their affiliated parties on XX/XX/XXXX  and never validated. Proof of mailing will be attached to this complaint.

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 2023-12-23 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. 

The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. 

The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, etc. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. 

Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 
16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I am writing to formally request an investigation into and the removal of an unauthorized hard inquiry on my credit report. I recently discovered this inquiry on XX/XX/XXXXXXXX  when reviewing my credit report, and it has come to my attention that I did not provide consent for such an inquiry to be conducted. 

Below are the details of the unauthorized hard inquiry : Creditor Name : BK OF AMER Date of Inquiry : XX/XX/XXXXXXXX  Inquiry Type : Hard Inquiry I would like to emphasize that I did not authorize any entity to make a hard inquiry on my credit report at the specified date. I am concerned about the potential impact of this unauthorized inquiry on my credit score and overall creditworthiness.

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 2023-12-23 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: CA

Complaint narrative:
This is a secondary complaint for the balance of another gift card I received from my work at the beginning of XXXX. 
Since having been activated on XX/XX/XXXX, the card has worked a total of two times, permitting for less than 20 % of the balance to be used over the course of almost a year. After attempting transactions multiple times over the course of several months, the card was finally successfully used for a single transaction in-person at XXXX on XX/XX/XXXXXXXX  and a second time at XXXX on XX/XX/XXXX. 
Besides these two successful transactions, I have attempted to use the card multiple times without success - I had a XXXX pickup transaction that was initially processed successfully, the item arrived at the store for pickup, and the card then retroactively declined when I arrived to pickup. This resulted in me having to pay with an actual credit card for a charge I had not planned for based on the initial approval. I have had customer service agents attempt to manually process the card after initial declines at the terminal, only for the card to still get declined. I have been unable to replicate successful transactions in-person at XXXX, or XXXX, despite the card having worked once at each store. 
The card is virtually useless online, and get 's rejected summarily by every website I have attempted to use it on. It is, furthermore, stressfully unreliable for in-person transactions. There seems to be no rhyme or reason to why transactions are declined, and customer service agents are unable to provide any actual reason beyond " safety '' for the inability to use the card for any sort of transaction. The inability to process transactions seemingly violates everything that is advertised - forget about adding them to digital wallets ( doesn't work ), forget about using them for online transactions ( also doesn't work ), and forget about using them for in-person shopping ( basically doesn't work ). 
I am holding out hope for a similar resolution to my first complaint so I can end this saga, and promptly reject them as gifts moving forward. Personally, I am an avid proponent of American Express and they're many credit card offerings. I'm not sure where the ball is being dropped on these gift cards, but it's extremely disappointing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-23 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: CA

Complaint narrative:
Transition had the wrong birthdate and sent me another got fix information but I still got no help

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 2023-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: WA

Complaint narrative:
I enrolled for a semi monthly auto payment program. When signing up on the customer online portal, it required one to select the first payment date to be prior to the due date. The second payment, I was allowed to select ANY date. However, now after speaking to a supervisor, they will still be charging me a late fee because the second payment is after my due date. No where during the process did the website state that BOTH payments had to be before the due date. Only the first payment had to be prior to the due date. It was EXTREMELY misleading to the consumer because thats an extra {$78.00} they charge for late fee. Why even have that as an option if when you are signing up there are no instructions stating BOTH payments must be prior to ones due date. It doesnt make any sense. Then they tell me Im just incorrect and there is nothing they can do.

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 2023-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Over 90 days ago I requested XXXX and Transunion to remove a late payment that they are mis reporting on my credit report. They failed to do a resonable investigation and lied that they had completed their infestation. 

I would like to be sent proof of this investigation that verifies that what they are claiming ( 30 day late payment ) in fact is the case. I am requesting they spoke to and what documents they received to ensure accuracy in what they are reporting. 

I HAVE NEVER BEEN LATE WITH A PAYMENT TO ANYONE. and would like to be shown proof that they received to be reporting a late payment. 



Their late payment shows the following XXXX XXXX. XXXX  30 days late. account # 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 2023-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
They will call before XXXX amd at XXXX Repeatedly thought the day as well. 

None stop calling. I'm almost to the point of changing my number. 

Some if this debt is old Told them this was harassment and they laughed. 

Also the dept thats owed should of gone through my insurwanx3 that's pay for everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
On XX/XX/23 I closed an account I had had with chase. I have many accounts with them and transferred my available credit to another card. I did not transfer my rewards points which were accumulated over various cards over many years, but which in order to be used had to be linked with one card onlyin this case the card I closed. I have no recollection of the representative who closed my account telling me I would lose my rewards points when I closed my account, and they certainly did not offer to link them to one of my many remaining accounts. When I saw that my points were gone, I immediately called and was told that they could do nothing. I then wrote a letter and received a voicemail telling me the same thing. I do not believe this policy is fair or transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am writing to formally request an investigation into and the removal of unauthorized hard inquires on my credit report. I recently discovered these inquires on XX/XX/XXXX when reviewing my credit report, and it has come to my attention that I did not provide consent for such inquiries to be conducted. 

Below are the details of the unauthorized hard inquires : Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry I would like to emphasize that I did not authorize any entity to make a hard inquiry on my credit report at the specified date. I am concerned about the potential impact of this unauthorized inquiry on my XXXX XXXX and overall creditworthiness.

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 2023-12-23 00:00:00
Product: Credit reporting 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: MN

Complaint narrative:
I am writing to formally request an investigation into and the removal of unauthorized hard inquires on my credit report. I recently discovered these inquires on XX/XX/XXXXXXXX  when reviewing my credit report, and it has come to my attention that I did not provide consent for such inquiries to be conducted. 

Below are the details of the unauthorized hard inquires : Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Inquiry Type : Hard Inquiry Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Inquiry Type : Hard Inquiry Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Inquiry Type : Hard Inquiry I would like to emphasize that I did not authorize any entity to make a hard inquiry on my credit report at the specified date. I am concerned about the potential impact of this unauthorized inquiry on my credit score and overall creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WY

Complaint narrative:
I applied for an auto XXXX  through USAA. And was told that I was not approved when asked for the reason why I was told they were not able to tell me as they are not credit adverser. When asking to speak to someone higher to settle this claim but was told they will get back to me at a XXXX  time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting 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: MN

Complaint narrative:
I am writing to formally request an investigation into and the removal of an unauthorized hard inquiry on my credit report. I recently discovered this inquiry on XX/XX/23 when reviewing my credit report, and it has come to my attention that I did not provide consent for such an inquiry to be conducted. 

Below are the details of the unauthorized hard inquiry : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 Inquiry Type : Hard Inquiry I would like to emphasize that I did not authorize any entity to make a hard inquiry on my credit report at the specified date. I am concerned about the potential impact of this unauthorized inquiry on my credit score and overall creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX writing to formally request an investigation into and the removal of an unauthorized hard XXXX  on my credit report. I recently discovered this XXXX  on XX/XX/XXXX when reviewing my credit report, and it has come to my attention that I did not provide consent for such an XXXX  to be conducted. 

Below are the details of the unauthorized hard XXXX  : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type : Hard XXXX  I would like to emphasize that I did not authorize XXXX  entity to make a hard XXXX  on my credit report at the specified date. I am concerned about the potential impact of this unauthorized XXXX  on my XXXX XXXX and overall 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 2023-12-23 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: TX

Complaint narrative:
XXXX XXXX, Equifax and XXXX are reporting an unvalidated debt, furnished by XXXX XXXX XXXX XXXX, purported to be owed to XXXX XXXX XXXX XXXX. This account was disputed by me, the referenced consumer, directly with XXXX XXXX XXXX XXXX and this alleged debt was never validated. XXXX XXXX XXXX, along with the aforementioned credit reporting agencies are conspiring together to defame my character, creditworthiness and cause me financial harm and emotional distress. The continuous reporting of this negative and defamatory account is an infringement on my right to privacy as well as damaging to my credit reputation and character. The aforementioned credit reporting companies have a duty to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, per 15 USC 1681. These companies have blatantly disregarded my right to privacy and in the process continue to disregard the Congress 's rules, laws and orders regarding the protection of consumers ' privacy, per 15 USC 6801, 6802, 6821, 16 CFR 313.7. Notice to cease and desist and request for validation of debt pursuant to 15 USC 1692c, 15 USC 1692c ( c ), and 15 USC 1692g were mailed via certified mail to the original creditor and their affiliated parties on XX/XX/ and never validated. Proof of mailing will be attached to this complaint.

Company response to consumer: Closed with explanation