vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion did not get my written permission to furnish any of the unauthorized accounts or inquiries that's in the letters attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report any of the items listed in my attachment. Furthermore Transunion continuously fail to properly investigate disputed accounts, collections, and inquiries in accordance with15 USC 1681a e. Furthermore, as proof of the violations of my rights, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions : Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate these alleged accounts and inquiries. I ( the consumer ) have never validated any of the item listed in my attachment.

The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate these alleged accounts and inquiries.

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 2021-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had a Chase Sapphire Reserves credit card in XX/XX/XXXX which has an annul fee of {$450.00}. It came with an annual travel credit of {$300.00}. With COVID pandemic in XX/XX/XXXX, we would not be able to travel to use this travel credit.

In XX/XX/XXXX, Chase increased the annual fee to {$550.00} for this card, so I decided to close this account. During the closeout process, I asked about this unused {$300.00} travel credit due to COVID. The representative on the phone agreed to give me back {$100.00} credit and I would forgo the remaining {$200.00} travel benefit. I agreed and we started the process to close the account. Unfortunately, during this process, our phone call was disrupted. I called back right away, but got a different representative, who had no knowledge about our agreement and refused to give me the {$100.00}. 

They did offer to extend my travel credit to next year, but I did not feel to pay the higher annual fee, so I decided not to accept. We closed the account that day in XX/XX/XXXX and I paid off all the balances with the exception of this {$100.00} travel credit that Chase agreed to give me back. 

Since then, Chase has sent me demanding letters and phones calls for this. I explained the situation and their agreement with me and asked them to listen to the voice recordings and notes, but they continued insisting on the remaining payment, which I do not feel I owed them. The balances has grown to {$300.00}, which Chase finally wrote off in late XX/XX/XXXX an reported me to the credit bureau. 

As a result, my credit score has dropped by 193 points from XXXX to XXXX. This is an abuse of Credit to a very good consumer during a very difficult time of pandemics. Chase is abusing its power to ruin my credit history which took me years to build. I changed from a perfect credit score to a bad credit score consumer. 

I hope the government can step in this situation to stop this abuse. By the way, they did not offer any COVID relief to me. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian did not get my written permission to furnish any of the unauthorized accounts or inquiries that's in the letters attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report any of the items listed in my attachment. 
Experian continuously fail to properly investigate disputed accounts, collections, and inquiries in accordance with15 USC 1681a e. 

Furthermore, as proof of the violations of my rights, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions ; Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate these alleged accounts and inquiries. I ( the consumer ) have never validated any of the item listed in my attachment. 

The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate these alleged accounts and inquiries.

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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
not mine FCRA violations : see ftc and attachments 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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
not mine FCRA violations : see ftc and attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XXXX XXXX XXXX has repeatedly called me from different numbers, in different states, and will not tell me who they're working for until I tell them my personal information. I have blocked at least 20 numbers, most of them from Washington state, and the latest from New Mexico. 
This company also took me to court which I knew nothing about until I started getting mail from layers in my area about someone taking me to court, which I never heard about from XXXX themselves. I had to find it through my state 's court records and found it that way. It has since been dismissed by the county, but it's now on my record. I could understand this harassment for a large sum of money, but for the amount I owe? This is plan harassment.

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 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I am unable to reach Citibank regarding my stolen or lost Double Cash Card and to make payment. My call is being re routed and blocked. This is the second time my card has been stolen. I am concerned about the status of my account and securing a new card. I have put a feeeze on my account with experian. I have had multiple calls made to businesses such as XXXXXXXX XXXX XXXXXXXX XXXX XXXX, etc blocked and re routed 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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a XXXX and XXXX XXXX card holders for over 3 years combine. I have never been late until the last year XX/XX/XXXX, and the reason for my lateness are because I was laid off from work and I had no source of income. I had to use my Credit cards to survive and stay afloat, in the process I missed a payment or two. I payed both cards complete off. 

In XX/XX/XXXX I was still laid off and couldnt obtain any suitable job, and the worst was yet to happen. On XX/XX/XXXX I lose both my grandmother and sister to XXXX and I use my credit cards again to pay for theyre funeral and in the process I was late again. I am asking please give me this one time good will adjustment I learned from my mistake Ive set up automatic payments with all creditors and been paying on time. The late payments are hindering me from getting approved for a mortgage loan and auto loan which I desperately since my lease is almost over and my vehicle broke down. Please I beg you to consider a late payment forgiveness towards 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 explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a XXXX and XXXX XXXX card holders for over 3 years combine. I have never been late until the last year XX/XX/XXXX, and the reason for my lateness are because I was laid off from work and I had no source of income. I had to use my Credit cards to survive and stay afloat, in the process I missed a payment or two. I payed both cards complete off. 

In XX/XX/XXXX I was still laid off and couldnt obtain any suitable job, and the worst was yet to happen. On XX/XX/XXXX I lose both my grandmother and sister to XXXX and I use my credit cards again to pay for theyre funeral and in the process I was late again. I am asking please give me this one time good will adjustment I learned from my mistake Ive set up automatic payments with all creditors and been paying on time. The late payments are hindering me from getting approved for a mortgage loan and auto loan which I desperately since my lease is almost over and my vehicle broke down. Please I beg you to consider a late payment forgiveness towards my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was a victim of identity theft. I also had my gym bag stolen and it had my personal information in it. I also was a victim of the XXXX data breech. I paid the debt to this company then they kept on harassing me and saying I owed more and more then I realized this was not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have had an account on my credit report from Jefferson Capital Systems for a significant amount of time. Ive sent several letters to this company attempting to resolve this. I finally received a letter in XXXX saying they were ceasing collection of this item and it would be removed from my credit report. As of today, XX/XX/2021, it remains on my credit report. I attempted to call Jefferson Capital, only for them to assure me that it has been removed, but it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There is an account open at XXXX XXXX in XXXX, SC showing up on my credit report for around {$3500.00} that I did not open. After speaking with several people at XXXX corporate office, they have denied responsibility, saying that it was reported correctly on their end. The account belongs to a woman with the same name and similar social security number to my own. This woman is from the same town as me, with a similar birthday, name and ssn, so this has been a recurring problem for us for most of our adult lives. We should be closing on our home in 7 days, however this and other debts that have been incorrectly reported is causing a delay.

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 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I have attempted to resolve this account with the creditor directly because this isn't a balance that is owed. Creditor sold this to Caine & Weiner which is not a balance that is owed. The account was closed at XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I bought furniture from Mor furniture in XXXX, WA in XX/XX/2019. I was led to believe that the payment structure was set up so that payment would be complete before interest began to accrue. I was on a 0 % interest program. 

I made every payment on time, never missing one, but the 0 % interest ran out in XXXX or XXXX without me knowing, and I have since been charged {$780.00} in interest and fees on a loan of {$1400.00}. I've been charged 29.99 % XXXX on top of about a dollar per day in other charges that I don't understand. 

I realized what was happening yesterday and called the company to rectify. They're refusing to return any of my fees. 

I immediately paid off the entire loan today. I feel these practices are predatory and I want my money back. As an XXXX XXXX, I want to speak up for I people who don't have the means to communicate this kind of abuse, or afford to pay it off in order to stop the predatory, excessive fees and " interest. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am trying to have my CD released from TD and they have been telling been telling me for months that my tu is will be released to me within a few days. And this is everytime I speak to them. I have multiple emails showing this. I just want my money that I put into my CD released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent out a letter on XX/XX/2021, requested that the XXXX XXXX XXXX account on my Experian credit report be deleted and not updated. This account was reporting late payments and is still reporting late payments, and the account is closed. This is a violation, and I'm asking for this account to be deleted, NOT updated.

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 2021-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I was calling to get my forgiveness Or cancellation from, from what Joe Biden the president sign into law and XX/XX/XXXX forgiveness supposed to last for 5 years, I was qualified for it, I contacted him back in XXXX about it, they said they heard nothing about it I've never received anything, as far as with the XXXX XXXX that I even send that with in, that I have another complaint about, Heres whats included in the stimulus packages that might benefit current or future student loan borrowers : Suspension of all payments through XX/XX/XXXX No interest will accrue until XX/XX/XXXX The suspended payments count towards loan forgiveness programs, including PSLF and IDR forgiveness ( XXXX, XXXX, XXXX ) Taxes are eliminated on forgiven student loans through XX/XX/XXXX Employers who contribute to their employees student loans receive a tax break up to {$5200.00} ( through XXXX ) Borrowers in default will have their months of suspended payments count towards the nine months needed for loan rehabilitation No collection, wage garnishment, or seizure of tax refunds will happen ( backdated to XX/XX/XXXX ) Slight increase in maximum Pell Grant Incarcerated persons can now receive Pell Grants Over {$1.00} XXXX in institutional debt of HBCUs has been discharged Students may now continue to receive a subsidy on certain subsidized Stafford loans for XXXX for a longer period of time Employers may contribute up to {$5200.00} each towards their employees student loans, with this program set to expire in five years now instead of at the end of this year. 


P H E A said they never heard of this law Or if are it being signed into law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This information reporting on my credit profile is fraudulent and doesn't belong to me per the following : Experian : XXXX XXXX XXXX {$27000.00} account number : unknown/not listed Date opened : XX/XX/XXXX XXXX {$950.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX {$4000.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} account number : XXXX Date opened : XX/XX/XXXX XXXX {$950.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX {$4000.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX {$27000.00} account number : unknown/not listed Date opened : XX/XX/XXXX XXXX {$950.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX {$4000.00} Account number : XXXX Date opened : XX/XX/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