vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received a letter in the mail regarding a debt that was from 2011. Under the Fair Credit Reporting Act I am no longer obligated to debt nor could I be harassed or have information on my credit report regarding this old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: IL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-08-30 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
My personal data has been compromised and being used to open accounts with Chase Credit Card company. I have contacted them several times in the last several weeks and informed them that I have not open an account and I asked them to block any further applications which they stated they could not do. I advise them that this is official notification and that anything going forward is harassment. Not very helpful at all. 

Accounts open with my first and middle names. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to express my disappointment and concern regarding Bank of America 's lack of response to my dispute letter dated XX/XX/2023. The purpose of my correspondence was to bring to your attention an account that is inaccurately reporting on my credit report and to request validation of the account 's accuracy in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

My specific concern is that it is not reporting 100 % accurately on my credit report. I had requested in my letter that Bank of America validate this account to ensure its accuracy and completeness, as I believe there may be discrepancies in its reporting. I also stated my expectation that, should the account not be reporting accurately, it should be removed from my credit report as mandated by the FCRA. 

It is now evident that Bank of America has not fulfilled its responsibility to respond to my dispute within the required time frame, thereby violating the FCRA 's regulations. As of today 's date, I have not received any investigation results or correspondence from Bank of America regarding the accuracy of the account in question. 

This failure to respond not only disregards my consumer rights but also contributes to the ongoing presence of inaccurate information on my credit report. The FCRA is designed to protect consumers from such circumstances and mandates that accurate and verifiable information be reported by creditors and credit reporting agencies alike.

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 2023-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX, I was assaulted and robbed in XXXX XXXX. My XXXX XXXX XXXX and wallet containing my ID 's, debit cards, and credit cards were stolen. As a result, they were able to hack into my applications, make fraudulent transactions using my cards, and pull money out of my accounts in various ways. After filing a police report, my next action that day was to go to Chase and detail the attack to them in order to secure my account. At that time there was only a fraction of my funds missing and I believed I was doing my due diligence as a victim by notifying Chase so that they could prevent further fraudulent charges from occurring. However, due to Chase 's negligence the compromised account was left open, and the assailant was able to clean out both my savings and checking accounts. 

Since the attack, I have been on the phone with Chase every day their business accepts calls trying to give them what they need to settle the claims. I have sent two initial, as well as two full police reports detailing the original attack in XXXX XXXX, as well as a police report I filed in my own community for the fraudulent charges themselves, in which I detailed the original incident again. Chase has denied several of the claims containing some of the largest fraudulent charges. I have reasserted the claims more than once pleading with Chase to look at the evidence at hand. All of the fraudulent activity occurred on or between XX/XX/XXXX and XXXX, proving there is no way I could have authorized these transactions. I work for a XXXX XXXX  and have held a government security clearance since 2016. I would never do anything to put my career in jeopardy. I just want back what is rightfully mine. 

This experience was highly traumatic itself, but the possibility of not recovering these funds that I worked so hard for is truly terrifying. I am currently the sole provider of my household as a result of my fianc being laid off and having a hard time finding work. We have a wedding coming up in 52 days, and are trying to remain positive, but the rejection from Chase is causing us both serious mental distress. 

The following is a list of all Chase claim numbers with their total amounts and how they were used : 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 response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023 The Credit Bureaus stated XXXX XXXX XXXX XXXXXXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report as well.

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
Received an unsolicited credit card in mail from Current. Shredded card and did not use the account. Received email today stating that I would be charged an inactivity Fee and Escheatment Fee and a closure fee if we choose to close the account. Checked credit through XXXX and did not see this account. Also froze credit through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America continually charges me maintenance fees despite having no reason to.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kinum, Inc., Indianapolis, IN Branch
State: NC

Complaint narrative:
Received notification that collection has been placed on my credit file. This company did not verify the debt belongs to me. This company is in violation of the FCRA reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
ChexSystems. 

Please see attached. 

Daily I try and log in my ChexSystems and daily I get the attached message " Your request could not be processed because of a technical issue. Please try again later or contact ChexSystems at XXXX. '' I call this number, speak to a barely English speaking representative, and no one can help me. 

Excuse after excuse. 

I need access to my online account. 

Fix all these errors so I can. 

This is unacceptable as its my right to have access to my own file.

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I called into American Express. I got an email saying I still owed this months payment. I found that odd because I logged in 2 weeks earlier and set up the Post dated payment to pay off the balance in full on my due date. When I called in the account did not have that payment posted and the late fee was billed. I called in and paid off the balance in full ( like I have done every month since opening the card ) and asked for the late fee to be removed. The agent refused and said that a manager couldnt fix the issue either because her system determined I wasnt eligible for the removal. I informed her that I set it up online through their system and the payment didnt post so this is a bank error not mine. She said there was nothing to do. I asked for a complaint to be submitted and requested a return phone call back with the resolution. She said that department cant be reached and doesnt return phone calls. As of today I still have not been reached out to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XX/XX/2022 Wrote company to provide original agreement that was provided to them and to remove this from my report regarding information hitting my credit score did not send agreement still receiving letter 2 years later

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: DC

Complaint narrative:
William 's and Fudge used tactics that they know would be inconvenient and embarassing to the debtor ( me ). 

I owe about {$2000.00} from a Perkins student loan ( given to low-income students ). I currently work as XXXX XXXX  for the XXXX XXXX XXXX. To collect this debt, Williams and Fudge called the office for a Member of Congress, spoke to a congressional intern, and left a message with the intern to have me call Williams and Fudge. Later in the day, the intern asked me " what that was about ''. Any reasonable debt collector would know that this is embarassing and could damage my professional reputation. 

This came after Williams and Fudge made several phone calls to my family and friends asking to get in contact with me on an urgent financial matter. 

Williams and Fudge of course had all my contact information. While I'm certainly at fault to some degree for letting the loans go into default, 2022 was a difficult year for me. I was diagnosed with XXXX XXXX in XX/XX/2022, had successful XXXX, and spent the last half of the year recovering. I let some bills slip by that I shouldn't have -- -but the tactics used here for a PERKINS loan are just really unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: Total Card, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These charges keep reappearing on my credit card and the company keeps adding days for me to wait for them to clear Everytime they clear they add the same charges again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: FL

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX Balance : {$23000.00}, XXXX Date of inquiry : XX/XX/XXXXXXXX  XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Today I called Experian at XXXX XXXX. I spoke with XXXX. I informed XXXX that I am disputing the results provided for my previous disputes as an Investigative Consumer Report had not been conducted. XXXX was very admantly telling me that Experian DOES NOT conduct investigations regarding disputes, they simply reach out to the companies that a consumer submits and the company is to conduct the investigation. I advised that this is a violation of FCRA and FDCPA as every credit reporting agency must conduct an Investigative Consumer Report which includes interviewing family, friends or associates of the person disputing the reporting. Again XXXX was admant that Experian in no way shape of form interviews anyone regarding accounts. THIS IS IN DIRECT VIOLATION OF FCRA and FDCPA and I demand that all accounts that I have previously disputed be updated to show as PAID AS AGREED since it is clear that Experian is not abiding by the laws set fourth. Also I am requesting {$16000.00} in damages as XXXX has advised that Experian will continue to violate the law and not update the credit reporting or conduct a proper investigation. I called using number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: NY

Complaint narrative:
My rights have been violated numerous of times. 

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

15 USC 1681 602 ( a ) states that I have a right to privacy.

15 U.S.C 1666B : states that A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose Accounts needing correction : 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