vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received a copy of my credit report and I disputed an item that needed to be deleted. I list the opening date of the account, and account number. I listed the reason why this account should not be on my credit report. I attached supporting documents to support my claim. 

1XXXX XXXX XXXX XXXX  According to the provisions of the fair credit reporting act, this disputed item must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

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 2024-04-01 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: TX

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. 

Account Name XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2024-04-01 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
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

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 2024-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
I do not have done any business or signed any documentation with this company. This is a direct violation of my rights per the Fair Credit Reporting Act 15 usc 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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:
There is information on my consumer report that is a result of identity theft. My personal information was stolen and used without my permission. Personal information including my name, date of birth, and social security number. I did not provide written permission or instructions for the identified transactions or information to be reported on my consumer 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 2024-04-01 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: IL

Complaint narrative:
XXXX XXXX  is reporting balance paid after account was closed. Balance was paid in full before account was closed and the date is in the paid in full letter I received.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  XXXX XXXX Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX  Date of Inquiry XX/XX/year>

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 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XXXX I received an email from Chase Bank stating my account was restricted due to suspected fraud and that I needed to call them. I called within 5 mintues of receiving that message. When I called, I was informed my account was closed and was not able to be re opened. I was then told I would not be able to access any funds from that account is closed. So they told me the account was closed, then told me that it would be 10 days till it be officially closed. So essentially stealing my money for 10 days and not letting me withdraw it. Then I get my weekly paycheck to that account that I provide for my children with and I wasnt able to access that either. They have essentially stolen my money and said they will give it back when they deem fit. That is my hard earned money and I shouldnt need permission to withdraw it. If the account it closed then release my funds. I called on XXXX for and update and was told my account was still waiting to be closed and yet that I wasnt able to access my own money still. What world do live in that you can take peoples hard earned money and then give it to them whenever your computer deems it worthy?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> I received a letter in the mail advising that my overdrawn USAA bank account ending in XXXX has been paid in full. The letter advised I was mailed a check for {$15.00} for the balance in the account at the time it was closed. This letter also advised USAA will provide updates to consumer reporting agencies about the status of my account. 

Before I received this letter I was never made aware of a overdrawn account & never made aware that my account ending in XXXX was charged off. 

On XX/XX/year> I contacted USAA to discuss the account and was told multiple letters were placed in my online banking portal, where my statements are located. They also advised no calls or other communication was made to inform me of my account status. 

I feel that USAA is unfair in not contacting me by phone, text or written letter to my address to inform me of my overdrawn account and potential charge off status. I feel that USAA is misleading and predatory by steering members to subscribe to electronic communication and not utilizing all forms of electronic communication ( text, email, online banking, etc ) when accounts are overdrawn. 

I feel that I was given no legitimate chance to bring this account current prior to charge off and prior to reporting negative information to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I canceled my gym membership in person at XXXX XXXX in XX/XX/XXXX. Despite cancelling, the gym continued to bill me $ XXXX. In XX/XX/XXXX, I had to change my debit card due to fraudulent activity. After this happened, XXXX could no longer charge my account m, and I began receiving notices a of past due balances. I explained to the XXXX  representatives over the phone several times that I had cancelled the account months prior, but they continued to bill me and send notices. Eventually they contacted Aldous and Associates to collect the debt of {$40.00}. Aldous has sent me letters with a phone number to pay the debt, but the phone number was invalid. Today they called me and asked to pay over the phone. I said that I would provide a credit card to pay over the phone, but had a few questions first. During the questions, Aldous hung up on me. I do not believe I should even have to pay this debt in the first place, but even good faith efforts to just pay and move on have been unsuccessful. Im worried this will continue to affect my credit score. For reference, I have not attended XXXX XXXX, besides the cancellation in XX/XX/XXXX, since XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have put in a CFPB complaint XXXX previous times before this, and it has been almost a year that AmEX has closed my account, the person who keeps responding to my complaints and has not provided me with a resolution. I have sent the form they have requested multiple times. The most recent form I sent was XX/XX/2024, I called in XXXX, the person told me they did not have an update on my funds being sent to me. They stated they sent my check in XXXX ; however, I have informed delivery with XXXX and never received a check or any notification that my check was sent. I have been very patient with this company, and they have been playing in my face with my funds. I would like my money now sent to the address on file. I don't understand what the XXXX hold up is. But I am going to get a lawyer involved. So XXXX XXXX please let me know if you would like to owe me my XXXX or will be paying me alot more money. I would like my check sent out before the incompetent and obviously belligerent imbecile who keeps closing out my complaints without sending my XXXX funds closes this complaint. If the complaint is closed without any update on my check I am going to sue. so prepare

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, and so on.

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 2024-04-01 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, and so on.

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 2024-04-01 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: Early Warning Services, LLC
State: SC

Complaint narrative:
I sent a opt out notice to some credit reporting agencies because I do not want 3rd party companies having my private information such as financial information, address etc. I haven't received anything back to let me know that they have followed my order to remove my information from their database. This information that these agencies are sharing is preventing me from obtaining personal household good for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: OH

Complaint narrative:
On XX/XX/XXXX the Department of EducationXXXX reported to Experian and XXXX ( a third party ) my account information without my consent. The Department of Education/XXXX also reported to XXXX my account on XX/XX/XXXX. The Family Educational Rights and Privacy Act ( FERPA ) is a Federal law that protects the privacy of student education records ( 20 U.S.C. 1232 ( b ) ). Providing my account details to a third party is a violation of this law. The law only allows student account information be disclosed with specified agencies without the students consent.

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 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MD

Complaint narrative:
XX/XX/31 i disputed charges ... .ONE DAY LATER it was denied not even long enough to investigate. i had over XXXX taken off my card while my phone was broken and now me and my kids nay not be able to get into our place we needed this for the down payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

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 anted
ates 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 2024-04-01 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have AMEX XXXX XXXX since XXXX  ; I use it for thousands of transactions, around XXXX per year. this is my second dispute with them for a charge, and they didn't treat me fairly and failed to resolve it I used the Amex card for a car rental XXXX  in XXXX XXXX  ; I also have car rental insurance for any repairs, which is the main reason I used the Amex card because of its repair insurance The XXXX XXXX XXXX XXXX  provided me with a damaged car, which wasn't apparent at first. After a few days, it stopped in the middle of XXXX 's busy streets while I was traveling,. It took them 10 hours to get me a new car, and I had to pay out of pocket to pull the vehicle to a safe place when I had to cancel my travel arrangements for which I rented this car. 
At the airport, they claimed there was a scratch on the latest car, which was not true as the car was all scratched when I received it and was noted on the inspection. I disputed the charge and signed the dispute I paid for the repair upfront, but XXXX XXXX never delivered proof of repair, so I disputed the charge ; Amex said it was a legit charge despite the merchant never providing the proof of repair, which he claimed and took upfront money. 

I filed with Amex Insurance to refund the money, as Amex 's credit card declared it a legitimate charge despite the merchant 's failure to provide proof of repair. However, Amex Insurance refused to refund the repair money as they didn't accept that it was a legitimate charge and wanted proof of repair. 
I spoke to XXXX for the Amex card and said to XXXX from the Amex insurance department, and both didn't find a resolution as the insurance is not accepting the charge as legit. 

I am complaining against Amex Insurance for having their insurance policy a scam as they are not accepting to refund me the money despite Amex the card accepting it as a legit charge for repair. 

I am complaining against Amex card for not providing scam protection and for providing a scam car rental insurance with the card as they didn't refund me the repair money despite accepting the charge as legit and didn't refund me the other charge of car rental as the goods delivered which is the car was damaged and caused danger to me by sudden stopping in the middle of the street before my travel

Company response to consumer: Closed with monetary relief