vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been a customer with Discover Card since 2019 and I have never been more than 30 days late on my card. Today, I am on the verge of becoming severely delinquent. As of today, the required minimum payment is {$730.00} based on a balance of {$14000.00}. My most recent payments have been the minimum amounts however given the fact that {$340.00} in interest is accrued every month excluding a {$41.00} late, I am in a difficult situation which is exacerbated given that my only income source is from the Department of Veterans affairs which is currently {$1900.00}, I am a XXXX veteran and last year I had XXXX XXXX, so it has been a challenging time in my life. There is nothing more I would like to do than reduce the debt considerably however its inconceivable for me to make such a large payment. It has been a struggle to even meet the minimum payment and it has caused me substantial XXXX especially considering the disclosure on the Discover statement which states that it would take 59 years to pay the with credit card and achieve a {$0.00} balance but not before a total sum of {$130000.00} is paid. I have already paid thousands of dollars in interest alone with no end in sight. I find myself in an impossible situation and it is distressing beyond words.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft. My personal information has been used to use goods and service. I did contacted Equifax and told them this inquires are fradulent and provided proof, even though they told me that this inquires were verifed. Please dispute and remove this fradulent information from my credir report XXXX  XXXX ( Bank ) XX/XX/year> XXXX  XXXX ( Bank ) XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LCI Acquisition Inc.
State: PA

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing you for a XXXX time to request a free copy of my consumer report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ). I believe LCI is the entity responsible for maintaining my consumer information. 

To assist you in processing my request, please find the necessary details below : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX PA XXXX I kindly request that you provide me with a free copy of my consumer report as stipulated under the FCRA XXXX Please send the report to the address mentioned above at your earliest convenience. 

If there are any additional forms, fees, or procedures required to fulfill this request, please inform me promptly. I appreciate your prompt attention to this matter and thank you in advance for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had opened a Macy 's store card in XX/XX/XXXX. It had some balance. I called and paid it in full inclusive of interest charges and late fees in XX/XX/XXXX. I was told by agent on call that it was paid in full and I was uptodate. I then asked the agent to close the account. 

After that I got charged late fees and interest of {$85.00}. I called to resolve the issue. I spoke to an agent in XXXX and she said she can't remove the late fees or intesrest. If she can do something it will be removing {$20.00} but I am still responsible for {$65.00}. 

I asked for XXXX and she said no one is available. I repeatedly had to request that I speak to a XXXX and the XXXX 's name. She declined to provide the information. I was on call for more than XXXX minutes. She kept saying that the manager/any of the supervisors are not available. 

After XXXX minutes of arguing she got a XXXX on line. The XXXX said that they will remove the balance but if it actually happens remains to be seen. Once a customer pays full amount that was given to them on phone and closes the account after that, they should not be asked to pay late fees and interest charges on balance of XXXX. This is a financial scam.

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 2024-06-22 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: GA

Complaint narrative:
VIOLATION OF 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy. 

I REQUESTED FOR THE CREDIT BUREAUS, EQUIFAX, XXXX, AND XXXX TO BLOCK INFORMATION PURSUANT TO SECTION 605B ( C ) OF THE FCRA.

As per Section 605B of the FCRA requirements i provided proof of my identity, the specific information that was the result of identity theft, a copy of my complete and submitted identity theft report with the FTC and a statement that the information is not information relating to any transaction by me the consumer.

The Credit Bureaus did not comply and are in violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy. They reinserted the information and did not notify me period and did not follow the allotted time required by law.

15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) and MERCEDES BENZ FINANCIAL SERVICES of my decision to revoke the security interest previously granted to MERCEDES BENZ FINANCIAL SERVICES concerning the vehicle described below. This letter serves as an official notice of revocation in accordance with relevant state laws and the terms outlined in the original security agreement. 

Vehicle Description : - Make and Model : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reasons for Revocation : XXXX. Breach of Contract : MERCEDES BENZ FINANCIAL has failed to adhere to the terms of our agreement, specifically concerning failure to provide proper notice of repossession and improper handling of the security interest. 
2. Violation of Rights : Actions taken by MERCEDES BENZ FINANCIAL SERVICES, such as [ specific violations ], have infringed upon my legal rights under the Uniform Commercial Code ( UCC ) and other applicable laws. 
3. Compliance with UCC : According to UCC 9-210, as a debtor, I am entitled to request an accounting and revoke the security interest if the terms of the contract are violated.

Legal Basis : - UCC 9-210 : This provision allows a debtor to revoke the security interest and request an accounting if the secured party has not complied with the contractual obligations.

- State Law Compliance : This revocation is made pursuant to the terms outlined in the original security agreement and in accordance with the relevant state laws governing such documents.

Conclusion : Please consider this letter as a formal complaint and demand for the revocation of the security interest held by MERCEDES BENZ FINANCIAL SERVICES. I trust that the CFPB will take the necessary steps to ensure compliance with the law and protect my consumer rights. 

Should you require any further information or documentation, please do not hesitate to contact me at XXXX. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: Specified Credit Association, Inc.
State: IL

Complaint narrative:
SPECIFIED CREDIT ASSOCIATION 1 INC use my report without my written consent. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I was contacted by a third party debt collector on XX/XX/year> about a specific account that I did not own. I didnt sign any contract or authorize any to sign anything on my behalf therefore I do not owe them. The amount in question is {$16000.00}. I requested a copy of the agreement to show my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
I am a victim of identity theft. I have not authorized use of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Money transfer from Venmo to account with XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$580.00}. 

Date : on XX/XX/year> Amount : {$580.00} XXXX Transaction ID : XXXX ARN : XXXX XXXX Reference Number : XXXX Money was never received by bank. Venmo states that it was processed correctly. Money is not able to be located

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The Reinserted of previously deleted negative information on my credit report, specifically pertaining to an account with Bank Of America. 
I was not notified that this account would be reinserted.- this is a violation -If previously deleted information is reinserted into the credit report, the CRA must notify the consumer within five business days of the reinsertion. ****** This notification must include : -A statement that the information has been reinserted. 
-The name, address, and telephone number of the furnisher of the information. 
-A notice that the consumer has the right to add a statement to their file disputing the accuracy or completeness of the information. 

This reinsertion is in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).

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 2024-06-22 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: MIDWEST RECEIVABLE SOLUTIONS LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX use my report without my written consent. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of identity theft. I have not authorized use of my information.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a victim of identity theft. I have not authorized use of my information.

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 2024-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
The debt Credit Collection Services has reported as a collection on my credit file is not mine. 

I have no knowledge of he debt and never signed a written contract agreeing to do business with Credit Collection Services. 

I am disputing any and all debts that Credit Collection Services say I owe them. 

I am revoking all their rights to communicate with me via email, texts, or calls. 

They did not send me written documentation informing me of said debt before placing the debt on my credit file. 

They did not provide validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I am requesting validation of said debt. 

I was not given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) They have violated my consumer rights by using false, misleading representation and deceptive means. 

Credit Collection Services has no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

I am requesting that they send me the original agreement from the original creditor. 

I am requesting proof that they are licensed and bonded to collect debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 

I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I benn a victim of identity theft. I contacted Transuninon and told them for this inquiries are fradulent and provided proof. even thought they told me that this inquires were verifed .My personal information been used to obtain good and services.Please dispute and remove this fradulent infromation on my credit report XXXX XXXX ( bank ) XX/XX/year> XXXX  XXXX ( bank ) XX/XX/year> 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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax continues to report an account listed as XXXXXXXX XXXX  incorrectly. There are several late payments that are not accurate. I have previously disputed these late payments and Equifax claimed to have verified this information I am requesting the method of verification in which it was verified. This is my final attempt at resolving this without legal action. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: PA

Complaint narrative:
I am writing to delete the following information in my file.The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit.Please delete the items as soon as possible.

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