vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I just don't get it anymore. After I filed a complaint against Chase Manhattan Bank with both the XXXX and the CFPB a month ago, they dropped their interest charges and fees, and my unfair balance went from {$560.00} to something like a negative {$8.00}. Now, all of a sudden, that - {$8.00} which they owed me has become {$31.00}. They're still doing the same thing they did before. They are trying to charge me unfair fees and interest charges for a card that I closed long ago. Please look into the previous complaint that I filed against Chase. In that complaint, I talked about how they had refused to refund me the money for two purchases that I made on XXXX, which I attempted to dispute with Chase, but they found favor of XXXX against me. After I complained about them to the XXXX and to the CFPB, they changed my balance from {$560.00} to around - {$8.00}, meaning that they owed me money. Now all of a sudden, once again, on a card that hasn't existed for almost a year, they're saying that I owe them a balance. Please look into this matter for me. Chase needs to close this account, 0 out the balance or give me some of the money that they owe me, and leave me alone. I want nothing more to do with them. I will never bank with Chase for the rest of my life. Trying to resolve anything with them is a lost cause.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. Please see attached 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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
In XXXX of 2022, my partner and I moved out from our apartment, owned by XXXX XXXX  ( Of XXXX XXXX ). A week or two later, we were presented with a sheet informing of us the " damages '' done to the apartment, the flat costs for these fees.

We disputed this with the rental agency and asked for receipts of the cleaning fees and other such fees they directly paid, as is outlined by Nebraska Law. Specifically, Nebraska Revised Statute 76-1416 which states exactly : ( 2 ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section 76-1421.

Myself and my partner have both submitted disputes with all three credit bureaus regarding the illegal debt trying to be collected by XXXX XXXX XXXX XXXX. This has thus far been removed on both of our XXXX and XXXX reports, as the debt has no legal basis in the State of Nebraska, but still remains on both of our Equifax reports. If the majority of credit bureaus have already ruled that this debt is illegal in the State of Nebraska, as outlined by the law above, why does Equifax see fit to keep this illegal record on our credit reports? 

Additionally, XXXX XXXX XXXX claims this debt on behalf of XXXX XXXX. We didn't rent from XXXX XXXX, we rented from XXXX XXXX. Second, how could the date of first delinquency for this account be XX/XX/2022, when that was our move-out date? How could it possibly be owed that same day, without first getting quotes from cleaning crews, repairs, etc, if necessary? Receipts that we are owed by law? Thirdly, when we sent a certified letter to XXXX XXXX XXXX and they responded to us, without the verification of debt, asking us to call them for further questions. They violated the law, blatantly. Under the FDCPA, a collector must provide you with the information requested about the debt. NONE of that was ever provided to us by XXXX XXXX XXXX. They have failed, at every step of the way. They list the wrong residence company as the " original debtor '' on a debt not valid under Nebraska law, with the wrong first delinquency date, and violate the law while doing so. 

We have both disputed this directly with Equifax, XXXX, and XXXX. It only remains on our Equifax account, as it was " verified '' by XXXX XXXX XXXX. Short of the receipts we were legally entitled to, which they never provided in the timeframe necessary for this debt to have any validity, which was never provided after repeated attempts at contacting BOTH XXXX XXXX and XXXX XXXX XXXX for proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I forgot to include this attachment to the bureaus in the list of 5 mentioned in the prior complaints. Couldn't figure out how to attach them after the fact. Please make sure they all get this to the complaint filed about XXXX XXXX It's their inaccurate so called corrections that don't show on my reports that lenders run.

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 2023-04-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to file a complaint regarding the failure of Experian to remove inaccurate information from my credit report. According to my recent credit report, there is information that is inaccurately reported, which is negatively impacting my creditworthiness. 

I have previously disputed this information with Experian and provided evidence to support my claim. However, Experian has failed to remove the inaccurate information from my credit report, despite my repeated attempts to have it corrected. 

This inaccurate information has caused me to be denied credit and has negatively impacted my credit score. I have made efforts to rectify this situation by contacting Experian, but to no avail.

I am requesting that Experian promptly remove the inaccurate information from my credit report and take steps to prevent such inaccuracies from occurring in the future. I also request that Experian provide me with a written confirmation of the removal of the inaccurate information from my credit report. This is not fair. Experian continues to turn a blind eye and deaf ear and report erroneous information. There are XXXX  XXXX XXXX that reside in Illinois! There's also unknown addresses on my credit report where I've never resided! Why is this legal? How is this ethical? 

I appreciate your attention to this matter and look forward to a prompt resolution. Please inform me of any actions taken by Experian regarding this complaint. 

Company : XXXX  / Account numbers : 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 2023-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have too many problems with fiththird bank they don't know how to relay their problems right and they didn't really gibe me all the info on the account and it supposed to be overdraft protection thats a XXXX lie and its a crazy XXXX bank cause the app doesn't even work right

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. Please see attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. Please see attached 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 non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Double charging their customers, mental and physical abusing their customers. This is unethical to be treated like this. I have tried to explain my situation over and over again, and they do not care. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus

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 2023-04-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus

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 2023-04-23 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX XXXX has violated my rights. 

15 ISC 1681 Section602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : it also. States a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Please remove all late payments from all three bureaus.

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 2023-04-23 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: UT

Complaint narrative:
I have repeatedly complained about the dates and status being incorrect with the bureaus on this sold and charged off account. Each time the bureaus update it with the dispute dates for the last reported and last payment dates of the disputes, it finally succeeded in lowering my scores by XXXX points with one of my creditors. They denied me credit based on the lower scores which weren't present when I ran my credit on the XXXX of each month. They only use XXXX and told me what lowered my scores. They said that XXXX was a new charge off and had lowered my score by XXXX points  based on the date reflected on the report they ran in early XX/XX/2023. I am tired of this being an issue and therefore am turning this over to the CFPB to do something about this. They're all breaking the laws. They send me so called proof that it's now reporting correctly, then when I run my reports it's still incorrect. So what is the real problem here? The bureaus are lying and sending out false information in order to satisfy a time line to respond to the CFPB, not to actually correct the information as I've requested several times. It's time to take action and do something about it if they can't get the information right! Instead of XXXX looking into it they send me repeated demands to identify myself! Not the first time I've complained on this venue but they use that as a tactic to NOT investigate errors made by their clients! I'm not accepting that and refuse to send them anything personal. I give them what they need here. If they don't like it then they need to be investigated for their refusal to honor disputes.

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 2023-04-23 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: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
Wakefield & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions.

Also please be advised that under Federal Statues, The Fair Reporting Act ( 15 USC 1681 et seg ), my consumer credit statutes, and subtitles D of the ARRA, section 13401. Application of security provisions and penalties to business associates of covered entities and S.E.C. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual you may be held liable for the actions of XXXX XXXX. Please note that these liabilities are under the penalties of the Omnibus Finale Rule effective XX/XX/XXXX, interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX. 
HIPPA and North Carolina 's medical privacy statutes and the penalty provisions of the ARRA section D, privacy provisions of the ( HITECH ) Act as issued XX/XX/XXXX and the Omnibus Finale Rules effective XX/XX/XXXX and the Fact Act Final Rules effective XX/XX/XXXX, are in effect in this situation. 
The privacy act prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions
State: NE

Complaint narrative:
In XXXX of 2022, my partner and I moved out from our apartment, owned by XXXX XXXX  ( Of XXXX XXXX ). A week or two later, we were presented with a sheet informing of us the " damages '' done to the apartment, the flat costs for these fees.

We disputed this with the rental agency and asked for receipts of the cleaning fees and other such fees they directly paid, as is outlined by Nebraska Law. Specifically, Nebraska Revised Statute 76-1416 which states exactly : ( 2 ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section 76-1421.

Myself and my partner have both submitted disputes with all three credit bureaus regarding the illegal debt trying to be collected by XXXX XXXX XXXX  XXXX. This has thus far been removed on both of our XXXX and XXXX reports, as the debt has no legal basis in the State of Nebraska, but still remains on both of our XXXX reports. If the majority of credit bureaus have already ruled that this debt is illegal in the State of Nebraska, as outlined by the law above, why does XXXX see fit to keep this illegal record on our credit reports? 

Additionally, Rent Recovery Solutions claims this debt on behalf of XXXX XXXX. We didn't rent from XXXX XXXX, we rented from XXXX XXXX. Second, how could the date of first delinquency for this account be XX/XX/2022, when that was our move-out date? How could it possibly be owed that same day, without first getting quotes from cleaning crews, repairs, etc, if necessary? Receipts that we are owed by law? Thirdly, when we sent a certified letter to Rent Recovery Solutions and they responded to us, without the verification of debt, asking us to call them for further questions. They violated the law, blatantly. Under the FDCPA, a collector must provide you with the information requested about the debt. NONE of that was ever provided to us by Rent Recovery Solutions. They have failed, at every step of the way. They list the wrong residence company as the " original debtor '' on a debt not valid under Nebraska law, with the wrong first delinquency date, and violate the law while doing so. 

We have both disputed this directly with XXXX, XXXX, and XXXX. It only remains on our XXXX account, as it was " verified '' by Rent Recovery Solutions. Short of the receipts we were legally entitled to, which they never provided in the timeframe necessary for this debt to have any validity, which was never provided after repeated attempts at contacting BOTH XXXX XXXX and Rent Recovery Solutions for proof of debt.

Company response to consumer: Closed with explanation