vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I set up a recurring transaction to transfer {$1000.00} from my chase checking account to my chase brokerage account on the first of the month many years ago. 

I decided to cancel this recurring transaction and found that it was not possible through Chase 's website. 
When I sent a secure message to chase they initially claimed the transaction was made manually, which was not true. Eventually they admitted it was a recurring transaction and were able to cancel it after a lot of back and forth, including phone calls and secure messages. 

Suddenly, on XXXX the transaction started up again, and there's still no way to cancel it through chase 's website. 

Since I have dealt with many phone calls and secure messages back and forth with chase, and the problem already appeared to be fixed, I am very disappointed that the issue came back. A cancelled recurring transaction should not restart!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This account was charged off on the following date ( XXXX XXXX XXXX XXXX XXXX XXXX Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. a charge off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX BANK XXXX XXXX XXXXXXXXXXXX

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Subject : Urgent Removal Request for Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to urgently request the immediate removal of several inaccurate items from my credit report provided by Experian. Upon reviewing my credit report, I have identified several discrepancies that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : 1. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ].

2. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. 3. Settlement : [ Detail the settlement and any discrepancies related to it ].

4. Inquiries : [ List any unauthorized or incorrect inquiries ].

5. Repossession : [ Provide details of the repossession, including date and account information ]. 6. Credit Card Issues : [ Detail any issues related to credit card accounts ].

These inaccuracies not only misrepresent my creditworthiness but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my credit profile.

I remind Experian of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in legal action. 
I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made. 
Sincerely, 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 2024-03-02 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: NV

Complaint narrative:
XXXX XXXX XXXX reinsertion of debt in violation of XXXX XXXX Statutes XXXX XXXX XXXX ( XXXX ). 
Don't owe Id Theft. Filed ID theft reports. 

Amount XXXX Date XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
Hi, I received written notices from the company 'Coast Professional , Inc ' ( XXXX  XXXX forth ) that I had an XXXX debt from my time in the XXXX, I knew of the bill and personally had it XXXX in XXXX by my former XXXX XXXX XXXX I sent an XXXX on XXXX to XXXX in order to dispute the debt when I XXXX received XXXX notice by XXXX but the company never replied. While applying for a XXXX in XXXX I found they XXXX a debt to my XXXX XXXX. I called the company on the XXXX and sent proof of the XXXX  of debt, I called again on the XXXX and they still refuse to remove the debt. It's now XXXX weeks after submitting proof of the debt XXXX with no answer from 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 2024-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I bought four tires in XX/XX/2023 for roughly XXXX and was offered a 6 month no interest credit card. I am an XXXX and well versed in financial matters. I have always paid credit card balances in full and have never missed payments unless there was a mailing problem. 

To me, 6 month no interest card means an interest free loan for six months. This was not the case. It turned out that minimum payments were required and late fees were assessed when minimum payments were not made. So a requirement to make a minimum payment results in lost interest ( 5 % can be earned on a savings account ) so to me this is not a " no interest '' credit card. And late fees were usurous. A XXXX late fee was assessed on first XXXX minimum payment. That is excessive and exceeds any promotional interest rates. A second  XXXX late fee was assessed on second missed minimum payment as well as a negative notification to the credit rating bureaus. 

I went back and looked at the materials I was given. They were incredibly deceptive The original receipt describing the credit card had NO mention of the minimum payment. I was given a 15 page description of the credit arrangement. Principal terms were in bold. In fairness, the minimum payment requirement was on the front page but NOT in bold. This 15 page description was promptly filed. The original balance statement, which I kept handy because it was only 1 page had the no interest offer mentioned on front page. The requirement of minimum payments was on the BACK page in fine print.

I feel that the mention of the requirement of minimum payments was deliberately understated by the company ( Synchrony Bank ). If this trap got a sophisticated consumer, I can't imagine what is happening to the average consumer.

I have verbally requested return of the late fees and
revocation of any notification to credit report agencies.

I know there has been recent action by CFPB on late fees. I don't know if this issue has been addressed but I think there should be requirement to make better disclosure of minimum payments on these " no interest for _ months '' offers. I have never made use of these offers before so have no other banks in comparison. 

I have retained most of the material provided by the company and would be happy to provide so as to improve future disclosures to consumers.

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 2024-03-02 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Credit card approval for usage with no limit on spending or purchase alongside my account considered paid on time, as agreed in perpetuity pursuant to XXXX XXXXXXXX and any other treaty, benefit or provision necessary to keep compliant and within regulatory guidelines.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: PENTAGON FEDERAL CREDIT UNION
State: OR

Complaint narrative:
Credit card approval for usage with no limit on spending or purchase alongside my account considered paid on time, as agreed in perpetuity pursuant to XXXX  XXXX and any other treaty, benefit or provision necessary to keep compliant and within regulatory guidelines.

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 2024-03-02 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: MI

Complaint narrative:
I received an AMEX gift card from my employer. I have successfully used the card to purchase an extended date on XXXX XXXX but that was the only time. Now I find I can't use these cards anywhere. 

These virtual cards are declined online and in XXXX XXXX XXXX XXXX, at restaurants and grocery stores, or XXXXXXXX XXXX - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not offer me a refund. 

This system seems designed to skim a XXXX XXXX from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their card. My money is inaccessible. All I want is the total balance on my cards in cash/check. 
This is the card detail : XXXX XXXX : XXXX XXXX : XXXX Expiration Date : XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-02 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: LCI Acquisition Inc.
State: PA

Complaint narrative:
I sent a letter to the XXXX asking if they report XXXX to the credit bureaus and I received a letter stating They do not report any XXXX to any of the bureaus. So if thats the case. How did the credit bureaus verify my XXXX  as XXXX XXXX accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may know any such items of information. However, such information shall not include specific XXXX information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights XXXX times. 

The credit bureaus violated my rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. states, I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
PRESSLER, FELT & WASHAW, LLP violate my personal and private right and also sue me without proper documentations and are refusing to send me requested documentation from my person to them. Also with out a judgment act they violate my right asking me question by phone as, " If I Rent or Own a property '', " Name of Employer '' and Source of income. The whole phone conversation as recorded by my person and as Uploaded on my personal XXXX XXXX, and will be use for courts matter against this company in the future Link to recorded conversation : XXXX XXXX XXXXXXXX? XXXX 

PRESSLER, FELT & WASHAW, LLP keep sending me true mail the same invalid documentation over and over again ( see Attachment ), but till this moment they couldn't provide me with the following Documentation. 

XXXX. Signed and Dated contract between me and XXXX XXXX. 
I request this document by now, WHERE IS MY SIGNATURE on Paper? 
XXXX. Signed and Dated contract between me and PRESSLER, FELT & WASHAW, LLP. 
XXXX. Full Account XXXX of XXXX Account XXXX. No 30 days notice letter to Dispute this XXXX. 
XXXX. Settlement offer via MAIL XXXX. Privacy Notice XXXX. Chain of XXXX XXXX. Assigned XXXX XXXX XXXX. Proof of Contrast By now and due the FACT that PRESSLER, FELT & WASHAW, LLP couldn't provide me the above documentations and on time I doubt this Debt is mine and think this a Mistake of Fact and or maybe we need to talk here about a Identity Theft on my person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: NV

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had a Chase Amazon Visa credit card issued by XXXX XXXX years ago. I made many purchases through XXXX over the years. In 2022 I made the huge mistake of accepting the 30 day trial period of XXXX XXXX streaming video and reduced shipping charges and used my card to pay for a second month. Then I terminated the XXXX portion of XXXX. During last fall, the XXXX monthly subscription charge was put onto the card without my permission. I saw this in emails. I called the number on the Chase Amazon Visa card and was asked by menu if this was a XXXX problem. Got in touch with XXXX and the XXXX account charge was reduced to half the billed amount. I wanted it all removed. I called Chase card customer service. I got the rest of the bad charge taken off the card billing. Next month, it happened again, another monthly subscription charge to XXXX. Again I called XXXX and half the charge was removed. I was issued a new card, new number. I guess XXXX and XXXX were notified of the card number change. Again I called and I was transferred to Chase customer service. I explained the repeated bad charge, and again all was removed. I got another card from Chase, another Amazon Visa. Next month I had to go through the process twice more, about a week apart. I submitted a complaint by email to Investor Relations at the corporate offices. I think it must have been passed around. I got a call from someone at " Executive Customer Service ''. I explained, and I was assured it would not happen again. I made sure that it would not by removing all payment options from my XXXX account. And I do not use the last issued Chase ( No longer " XXXX '' but maintains the smiley logo ) Visa card. So I can no longer buy anything through XXXX. Onwards to XXXX, XXXX, XXXX, etc. Through my extensive efforts, I lost no money. But I have no doubt that thousands of others have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: OH

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

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

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

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

Company response to consumer: Closed with non-monetary relief