vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
From the end of XXXX through most of XXXX, I was severely struggling financially as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Although the last few years were challenging for all of us, I did my best to make all my payments on time to creditors. I spoke with BMW a few times and explained that my business had been struggling and I could still not get funds for PPP or EIDL. I was also on rent relief which was more embarrassing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found out even though I was forced to be late on payments that BMW was also charging me {$35.00} late fees every month which was making my financial situation worse. I tried to allow myself extra time to make payments and was 30 or 31 days late which caused them to end up on my credit report. I hope that I can be forgiven and get those 30 days late removed from my credit report as it is having a burden on me getting a place to live for my son and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Zions Debt Holdings LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is violation of federal law by reporting an ADT account that is over 7 years old since the last payment was made on all my credit reports. Zions Debt Holdings LLC was established in UT on XX/XX/XXXX is apparently practicing debt collection without a license once again. Previously, they did the same thing in XXXX under XXXX XXXX XXXX XXXX name. The same actors, such as XXXX XXXX, seem to be running this business. A complaint with the Utah  Department of Commerce will be filed over the phone this week. Please use your federal oversight to investigate these people.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: NC

Complaint narrative:
I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX NC XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: AR

Complaint narrative:
I have been dealing with Jefferson Capital for many years. They harass me from a bill that is 14 years old and was taken care of 13 years ago. They still will not leave me alone. They have gone over the Statute of Limitations and will not clear the debt that has been paid. They have been harassing me all these years for {$1000.00}, I can not take it any more. I have contacted them and they are so pushy they do not want to get off the phone with you without you paying them money that you do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have reached out to Transunion on several occasions and its causing emotional STRESS and financial damage to me. Failure to provide me with a appropriate legal and lawful response will result in further action. This the last time failure to respond 5 calendar days will be constituted as your acceptance that the debt is not valid. Please be advise verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$960.00}, XXXX XXXXXXXX XXXX {$1300.00} REF CFPB PRIOR COMPLIANTS 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 non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: KEYCORP
State: NY

Complaint narrative:
I was receiving unemployment during the covid pandemic on a card from KeyBank. My account was hacked and lots of money stolen. On XX/XX/2021 key bank sent me a letter saying that they found suspicious activity on my account and that they would close it and issue me a check for the funds stolen. The total was about {$5000.00}. They claimed they sent a replacement check but I never received it and after years and years of asking for helping and answers I still have not received any replacement check for my stolen funds. Keybank always gives me the run around every time I call and they have also become very rude when answering my questions and concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TX

Complaint narrative:
I am writing to request verification of a late payment that is currently being reported on my credit report. The account in question is XXXX with XXXX XXXX XXXX XXXX XXXX. 

Specifically, I would like to verify that there was a 30 day late payment on the account in XX/XX/2021. I have reason to believe that this information may be inaccurate or incomplete, and I am requesting that you provide me with detailed information regarding this reported late payment. 

In accordance with the Fair Credit Reporting Act, I am entitled to receive a written response within 30 days of receipt of this letter. Your response should include detailed documentation supporting the accuracy and completeness of the information being reported on my credit report. 

If you are unable to verify the accuracy of the reported late payment, I request that you remove this information from my credit report. Please also provide me with a revised copy of my credit report reflecting the updated information. 

Thank you for your attention to this matter.

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have paid my bill for my Walmart credit card on the due date on XX/XX/XXXX and was assessed a {$28.00} late fee on the same day as the payment due date. I paid my bill on the due date of XX/XX/XXXX and once again I was assessed a {$41.00} late fee. Why am I being assessed a late fee when I paid my bill on time. CapitalOne uses automated systems to automatically charge a late fee to consumers. Customers should have until XXXX XXXX  on the payment due date to make their payment and CapitalOne should not have early payment cut off times. CapitalOne is the only credit card company that utilizes early payment cut off times. CapitalOne should not employ automated systems to aggressively and automatically assess late fees on the same day as the payment due date. CapitalOne should not be so aggressive with assessing late fees. As a CFPB report on late fees concluded the late fees are not to incentivize on time payments and are used to increase the credit card company bottom line and profit. CapitalOne should explain why they have a XXXX cut off time while other credit card companies give customers until XXXX XXXX on the payment due date. CapitalOne should also have to explain why they are so aggressive in assessing late fees and assessing late fees on and as soon as the same day as the payment due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There was a purchase of a gas dryer from Best buy from XXXX. I happen to notice this order in my history shortly after the XXXX, via my XXXX  ( Best Buy App ). I cancelled the order via the app and I did get the confirmation. I reached out to Best buy trying to find out the means that this order was placed ( Cell phone, desk top, etc ) I also asked for the IP address of the placed order, so that I could use that for the fraud. I received nothing, I have gone back and forth with the bank and the merchant for this order I did not place. I have recieved a temp. credit and then rebilled several times for this order. At this point The merchant will not take any of my calls, they cancel any online order I place, and also If I am able to speak to someone to state to me to contact my local law enforcement. I have letters dated with the following datesXXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Please note in the first two investigations I requested the documents that were obtained and used to make the determination and the bank did not comply, please see the letter I sent to them, they did send me the docs after that written request. So finally in the letter from XXXX it was found in my favor, and the matter was considered closed, however it was reversed in XXXX, please see the letter from them dated XX/XX/1923 and my letter to them dated XXXX. I called them on XXXX to spoeak to someone, and in sum they stated that I needed to take this matter to court, but they did not provide any information to me on who to list on my court filing should I go that route. I also stated to them the law in CA where if I received unordered merchandise ( From the FTC ), then it was seen as a gift. I cancelled the order prior to the receive date, so I knew it was cancelled, also I never placed this order in the first place. They claim that it was delivered. When the determination was made in my favor, it was based on the same evidence that was used to reverse it in XXXX. Does not make any sense.

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 2023-04-04 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: NY

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$25000.00}

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 2023-04-04 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: NY

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXXXXXX XXXX Balance : {$4800.00}

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 2023-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
As a client of Chase Bank, I wish to use your organization 's service to settle my dispute with the bank. 

You will find the whole story in my complaint letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: NY

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX : {$18000.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$25000.00}, XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX Balance : {$19000.00}

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 2023-04-04 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: MicroBilt / PRBC (formerly CL Verify)
State: DE

Complaint narrative:
Fraudulent credit inquiries on my XXXX credit report on XX/XX/2023. 
XXXX inquiries from MICROBILT XXXX, XXXX I call them and they would not remove it.

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 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I received a debt collection letter today ( XX/XX/2023 ) from Convergent Outsourcing ( dated XX/XX/2023 ) that I owe money to XXXX XXXX. I never have had 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 2023-04-04 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: DC

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$420000.00}, XXXX XXXX XXXX Balance : {$13000.00}

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a request with Consumer Finance to unfreeze my credit report online with TransUnion on XXXX. I received feedback from TransUnion on XXXX about other issues however I provided feedback that I still have " Unknown Status '' on my credit freeze via the TransUnion website. This is my 4th request in writing to have TransUnion explain why my credit report is still under a freeze citing " Unknown '' on their website. I am unable to access my credit report as well as creditors for mortgage lenders. I have sent certified documents 4 times in the last year to verify my identity. The " Manage Freeze Status '' still says unknown each and every time I log in to my account. Why is TransUnion hiding my credit account from me? Why each time I call the number on the account to inquire or remove the freeze temporary I can not get customer service assistance and the automated will keep hanging up the phone. I have requested callbacks and still have not received anything regarding the feedback from XX/XX/XXXX involving a copy of my reports even being updated. What is the next step in the escalation process for my complaint? I get the same message I have been getting since XX/XX/XXXX trying to correct this issue. Please see below. 
Your TransUnion Credit Report Freeze status is currently : UNKNOWN The TransUnion Credit Freeze Service is temporarily unavailable. 
Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX, open XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I paid my final payment to Genesis Credit in the amount of {$840.00} on XX/XX/2023. I was subsequently charged twice in the amount of {$840.00}, totaling to an amount of {$1600.00}. When contacted about a refund a Genesis Credit representative offered restitution in the form of a paper check delivered by USPS mail within the stated allotment of 30 days. When contacted after I didn't receive a check after 30 days, Genesis Credit stated the check was mailed on the XXXX ( not sure of the exact date ) of XXXX. As of now, I am waiting to be contacted by the company to find out where my money is and how they are to deliver it to me. The predatory nature of their practices makes me concerned for seniors and citizens of lesser faculties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: VA

Complaint narrative:
On XX/XX/, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating, " They do not report any bankruptcies to anyone. '' Therefore, if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681. section 603 ( 3 ) ( E ) states, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of that consumer reported on or with others that he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681.

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

- According to, U.S.C. 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction - According to, 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation