vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: PA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, the list of accounts below is violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15USC 1681 ( 2 ) ( A ) ( I ) Titiled Rules of Constructon ( 2 ) exclusions and subparagraph.A ( I ) Transaction are not apart of consumer reports Also they are'nt even in compliance with meto 2 credit reporting. 
Accounts listed below : XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: PA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, the list of accounts below is violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15USC 1681 ( 2 ) ( A ) ( I ) Titiled Rules of Constructon ( 2 ) exclusions and subparagraph.A ( I ) Transaction are not apart of consumer reports Also they are'nt even in compliance with meto 2 credit reporting. 
Accounts listed below : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX  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 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX Fl, XXXX in XXXX XXXX XXXX I am writing this complaint because I did not give any of the parties mentioned written consent to contact XXXX XXXX XXXX, Consumer, or any other person regarding this alleged debt. This is a Notice to place all of the parties mentioned on a Cease and Desist Order.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: MO

Complaint narrative:
Experian closes another complaint with another idiotic explanation that addressed ABSOLUTELY NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-01-31 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: CA

Complaint narrative:
Credit report improper use of 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 explanation
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
This complaint to EQUIFAX for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Someone has stolen my identity and I have done everything I can I my end to fix it but the Department of Education is not taking it off. I have an email from XXXX XXXX  stating that they have cleared the account and they recognizing the account as fraudulent the department of education, needs the school to call them and fix the loan but the school will not. This account was fraudulently made in my name, and I want it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I received a letter from my bank PNC stating that my saving account has been closed and that my checking account will be closed on XX/XX/XXXX, I called the bank after speaking to agent on the website chat and was asked for this decision to be reconsidered because i felt that this decision was discriminating due to the identity theft and not fair that my account is closed due to something I'm a victim of, i have child support payments that come through to that account every month through the state, closing this account would effect me and my daughter tremendously because i failed to get approved for another checking account with other banks. i have a FTC report claim number to support the fraud charges i was given a reference number for escalation department and told to call directly, I called them on XX/XX/year> at XXXX ; XXXX explained my situation and gave the reference number which they could not find, I went through explaining the situation then i was told that my account was being watched for fraud charges and that it will be closed on XX/XX/XXXX, I explained to the agent that i already knew that and that I was calling for them to reconsider, after waiting 10 mins on hold, the agent ( XXXX XXXX told me that the bank did not have to explain to me why they are closing the account. I asked to speak to a manager the agent put me on hold then told me that he could not get a manager to speak to me and was told that someone will call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC refused to close my account several times and refused to refund me my late fees despite their being responsible. And they lied about closing my previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have deposited a XXXX XXXX  Bank Check from XXXX XXXX XXXXXXXX. Chase bank will not release the funds because they said XXXX  XXXX XXXX has not cleared the funds!! I have never had an issue depositing this check over the last 5 years. Chase refuses to release this money. I get the run around from Chase, depending on the customer service agent I speak to its either XXXX  cant verify the funds or XXXX  hasnt cleared the check. This is a XXXX XXXX  Check from a prestigious University!! I dont have my money and I am getting the run around!! The last customer service at Chase said that XXXX did not provide the day the check cleared and if there are any stops and holds on the check from their end. XXXX did tell Chase there is enough funds in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2024-01-31 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: IN

Complaint narrative:
I sent the attached letter to Experian and they failed to resolve this issue.

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 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have had transaction fraud with Capital One Spark Business for over XXXX years now. The first time this happened was in XXXX. They cancelled my credit card and gave me a new one- charging off my outstanding debt because it was not mine. I was a victim of transaction fraud that same year again so i called between XXXX and XXXX. I was given another credit card and the debt was charged off. I have been calling nonstop because i want answers with the outstanding debt. I called in XX/XX/XXXX, and they told me there was a fraud investigation that was taking place. That it would take approximately XXXX days to get an answer. I turned to a non-profit because i needed help, Capital One kept giving me the runaround. So a Housing Counselor called Capital one on my behalf today, XX/XX/XXXX. XXXX XXXX # : XXXX said that the fraud investigation would take approximately XXXX  days to complete and on the system, the fraud claim was placed on XX/XX/XXXX. They do not want to resolve my claim and this is affecting my credit score/report and also my ability to get any new types of credit. I have always paid on time and never exceed my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Sometime in XX/XX/2023 I just received a debit card from M & T bank but did not open an account in any form whether in person or online. 

Thank you very much!

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 2024-01-31 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: TX

Complaint narrative:
This is XXXX CFPB Compliant on Experian for Inaccurate Reporting. Refer to CFPB Complaints - XXXX XXXX XXXX 

I was an victim of identity theft. I did file Identity Theft Report with FTC, Report # XXXX and also a Police Report with XXXX XXXX XXXX, Report # XXXX. This information along with a copy of my Drivers License and SSN was sent to Experian through USPS Certified Mail, Tracking # XXXX  and XXXX. The same information submitted by certified mail was also uploaded online through Experian Dispute portal. 

I have spoken to several Experian Membership Team members as well. Even after several attempts to get the inaccurate information which is a result of identity theft to be removed, Experian Membership Team nor the Fraud Department did not take any action nor provided any evidence. EXPERIAN IS REPORTING BUSINESS ACCOUNT ON MY PERSONAL PROFILE, this account is a result of identity theft.

I need to refinance my home, due to this inaccurate information reporting, my mortgage got denied. This inaccurate reporting is a result of identity theft. I am also attaching the documentation to this report.

1. FTC Identity Theft Report 2. Police Report 3. XXXX Bank statement which clearly states this is a business account.

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 2024-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I really dont have about dates its on my credit report with negative results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
I was scammed by a text message from XXXX which included my address, credit card number and date of birth. I checked my credit report to see if any false charges were filed. There were none but I saw an account that went to collections that I had no idea existed.

The collection company was Sunrise Credit Service for XXXX XXXX from XX/XX/year> for {$2500.00}. As I am undergoing a mortgage approval I settled the account for {$2100.00} with Sunrise. I had not known this account from XXXX XXXX existed.

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 2024-01-31 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: CA

Complaint narrative:
I noticed three inquiries on my Experian credit report placed by XXXX XXXX on or about XX/XX/23. Although these were soft inquiries, the simple fact is that I have never -- yes, never -- authorized XXXX XXXX access and have never even applied or inquired about any services XXXX XXXX offers. XXXX XXXX accessed my credit reports illegally with no permissible purpose at all. 

I contacted XXXXXXXX XXXX for an explanation, and they referred me to XXXX. I spoke with a woman from XXXX multiple times, but she was incompetent and dishonest. She stated they would remove the inquiries, but they never did. She stated they would call me to discuss the issue, but they never did.

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 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding the failure to receive the promised welcome bonus associated with my American Express XXXX Credit Card, account number ending in XXXX. 

In XX/XX/XXXX, I successfully applied and was approved for the AMEX XXXX Credit Card with the enticing welcome offer of {$200.00} cash + XXXX points upon spending {$6000.00} within the first six months. Excited by this offer, I diligently met the spending requirement by the second month of card ownership. 

In XX/XX/XXXX, I proactively reached out to inquire about the status of the welcome bonus. During my conversation with Associate # XXXX, I was assured that the bonus would be issued by XX/XX/XXXX. 

However, upon contacting American Express again on XX/XX/XXXX, I was dismayed to learn from Associate # 2 that the decision had been made not to provide me with the welcome bonus. Subsequent conversations with Associates # 3, # 4, # 5, # 6, # 7, and # 8 have only added to my frustration, with conflicting information provided and no concrete resolution offered. 

I would like to bring to your attention the following points in my defense : When applying for the XXXX credit card, I did not encounter any pop-out window indicating that I would be ineligible for the welcome bonus. Furthermore, this was my first time applying for this specific credit card. 

I fulfilled the spending requirement of {$6000.00} within the stipulated timeframe as required by the terms and conditions of the offer. 

Multiple associates, including Associate # 1, Associate # 3 and Associate # 4, confirmed on separate occasions that I would receive the welcome bonus, first by XX/XX/XXXX and then by XX/XX/XXXX. 

The inconsistency in communication and the repeated delays in resolving this matter have severely eroded my trust in American Express as a reputable financial institution. 

Based on the above, I request a thorough investigation into this matter and a reconsideration of the decision not to honor the promised welcome bonus. Additionally, I expect clear and transparent communication throughout the resolution process. 

If a satisfactory resolution can not be reached, I will have no choice but to explore further options to address this issue, including seeking assistance from local small claim court. 

I appreciate your prompt attention to this matter and look forward to a swift and fair resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
According to 605B, this account should be removed promptly. I'm quite angry that it's on my credit report, even though it's not my account. Its presence has upset me, and I feel unwell because of this situation.

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