vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Upon making a payment on my Care Credit card, on XX/XX/24, I discovered the interest I had been charged was {$380.00} on a {$4500.00} balance. Looking at the previous month 's statement, I had been charged {$310.00} in interests. When I contacted the bank, in an attempt to negotiate the interest, I was told I was ineligible and the only option was to close the account, but the interest would still accrue. I was not attempting to not pay the bill, but I can't afford the interest which is more than I pay on a $ XXXX car, so I closed the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/2024, I certified my unemployment benefit. XXXX issued my payment the same day to Money Network. I transferred some of the payment to my external personal checking account ( I have done this many times. ) On XX/XX/2024, I noticed the money was not in my external personal account, which usually takes the same day. Between XX/XX/2024, and XX/XX/2024, the money was not available in my external personal account or Money Network for use between. 

On XX/XX/2024, I contacted Money Network. I was informed by a Money Network customer service representative that my debit card/account would be closed, and I would be issued a check for the total amount in the account, which would take XXXX to 10 days to process and mail. 

I checked my account daily and never noticed any unusual activities in my account or reported anything to Money Network. It is unusual for a so-called partial " bank '' for money to disappear and reappear from someone's account. 

Money Network did not contact me regarding any unusual activities on my account before I contacted them. The more the money stays in the account, the more profit Money Network makes by lending it to consumers. I was careful not to use the account on any third-party ATM because of the ridiculous associated fees. 

Money Network targeted my account because they are not making all these illegal ATM fees. The company makes a profit from my money while it sits in the Money Network bank. It would take an unusual amount of time for checks to be processed, mailed, and cashed after unemploymentcertification. XXXX and Money Network have a contract, and it would be a violation of that contract. 

I contacted XXXX, and a customer representative informed me everything looked okay on their side. 

I contacted my external bank, and a customer representative informed me everything looked okay in my account, and they never received any transfer from Money Network between XX/XX/2024, and XX/XX/2024. 

I suffered irreparable harm based on this Money Network 's illegal, cruel, and unjust activities.

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 2024-04-24 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: NY

Complaint narrative:
15UCS 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681 ( a ) - Definitions ; rules of construction Exclusions. -Except as provided in paragraph the term ( consumer report ) does not include - any report containing information solely as to transaction or experiences between the consumer and the person making the report.

15 USC 1666 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX. acc # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX. acc # 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
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
As of today all loans that I had received while attending XXXX XXXX XXXX have been discharged, with the exception of the {$8800.00} in private loans that I am still required to make payments on. I am one of the students who was a member of the XXXXXXXX XXXX XXXXXXXX lawsuit. XXXX XXXX XXXX engaged in a series of widespread fraudulant activites and was investigated by the CFPB. 

Unfortunately, private loans were not discharged or forgiven under XXXX XXXX XXXXXXXX, despite the fact that the lenders were complicit in perpetuating fraud on the students. I would like my loans discharged. The private lenders should not be exempt from the consequences of the same actions that led to the discharge of the federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX RE- CEASE AND DESIST To whom it may concern : JEFFERSON CAPITAL SYST is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including JEFFERSON CAPITAL SYST .

Since JEFFERSON CAPITAL SYST has taken oppressive actions and infringement on my personal privacy, this has harmed my general reputation of credit worthiness by furnishing such alleged debt to the consumer reporting agencies. See proof in the attachment labeled as Exhibit ( A ). This constitutes as a violation pursuant to 15 US Code 1692 c ( c ) & 1692d ( I ) for the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

Upon receiving this notice, I demand you to CEASE AND DESIST further communication through all mediums such as email, text messages, phone calls, consumer reporting agencies or any other forms of communication regarding the alleged debt in which I allegedly refuse to pay pursuant to 15 USC 1692c ( c ). Remove the collection from all consumer reporting agencies. 

Due JEFFERSON CAPITAL SYST Fraudulent actions, this constitutes as aggravated identity theft for knowingly possessing and using, without lawful authority my identification with intent to commit unlawful activity which is a direct violation of Federal Law and felony pursua

nt to 18 USC 1028 and I8 USC 1028A. Pursuant to 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an
amount equal to the sum of {$1000.00} per violation, JEFFERSON CAPITAL SYST as confirmed is a debt collector who failed to comply with the Fair Debt Collections Practice Aet ( 15 USC 1692 ) may be held not only civilly but criminally liable for any actual damage sustained in your attempt to extort me if JEFFERSON CAPITAL SYST violates this CEASE AND DESIST!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase Bank is holding me responsible for fraud charges that were made on 2 of my cards with them ... for a total of around {$50000.00}! The charges were something called XXXX XXXX XXXX -- -- they seem to be for illegal gambling or some sort of video game. 

I made the bank aware of these fraud charges last year. They investigated and I was told they were going to hold me responsible for these charges. I don't need illegal gambling online nor spend tens of thousands of dollars on some sort of virtual money game -- -i am still not sure of which of these two the XXXX XXXX was suppose to be for... 

Could you please help me!? 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Payment amounts only applied to interest

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX, & XXXX continue to report late payments on the account listed as XXXX reporting this account late is subjecting me to financial harm. This is against federal law and the consumer agencies know this. They are not permitted to report late payments. 

( 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 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 2024-04-24 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:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transaction by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact, I am in fact, requesting this block on behalf of myself. On XX/XX/2024 and on XX/XX/2024 XXXX, Transunion, and XXXX were all notified by certified mail. According to FCRA my rights are in violation of 15 usc 1681c-2 consumer request to block information from alleged identity theft making the credit reporting agency civilly and criminally liable according to 15 usc 1681n and 15 usc 1681o.

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 2024-04-24 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: TX

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transaction by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact, I am in fact, requesting this block on behalf of myself. On XX/XX/2024 and on XX/XX/2024 XXXX, XXXX, and Equifax were all notified by certified mail. According to FCRA my rights are in violation of 15 usc 1681c-2 consumer request to block information from alleged identity theft making the credit reporting agency civilly and criminally liable according to 15 usc 1681n and 15 usc 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
on or about XXXX i filed a complaint ( included in the complaint was a copy of my new york state drivers license with current address, bank statements, XXXX, and etcc ) with equifax information services LLC concerning incorrect or/and fraudulent personal information on this writers personal credit profile. on or about XXXX equifax responded requesting the same identifying information that was already submitted on XXXX so one XXXX this writer filed a complaint with the CFPB for deliberately refusing to address this writers complaint. after several days equifax responded to the CFPB complaint repeating the same lie/excuse they need more time. on or about XXXX equifax sent a letter to this writer repeating the same lie/ excuse/. ( see attached letters from equifax ) This company is KNOWINGLY, DELIBERATELY and WILLFULLY attempting to sabotage this writers credit and financial future. In addition, once again, equifax is in violation of 15 usc 1681 and the previously settled class action lawsuit ( XXXX ) In addition, the same request to remove incorrect addresses was submitted to transuion and experian. XXXX timely removed the incorrect / fraudulent addresses. ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: GA

Complaint narrative:
After opening a complaint, I finally received information on the debt that the company is attempting to collect. I looked at the documents and the balance listed is not what they are trying to collect. My contract with XXXX was cancelled because I was no longer at the contracted address and I did not want to sign a new contract. Documents to cancel were sent to XXXX in XXXX. When I contacted Zion, I was asked if I still had the document and I stated I do not. This account was from XXXX and it's XXXX. When looking on the document Zion purchased the debt XX/XX/XXXX. They sent the communication to an address that I am not located at. I'm no longer even in the state. I spoke with Zion and asked why I receive late fees and interest for an account I never knew of and received no response. I also relayed that I can pay the amount of {$380.00} which is the balance owed to XXXX, but I will not pay {$970.00}, because I didn't " even receive communications from XXXX in reference to balance, charge off, or even collections. I am a veteran on a fixed income and if they want to resolve this account they can recover the {$380.00} and close the account, or remain open with no collection at all. Based off the text in the invoice sent to my email, they have had this account for a year and never contacted me or tried to verify that it was an accurate account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: NJ

Complaint narrative:
I understand FCRA 605B to require the elimination of any incorrect accounts from my credit report. Can you please review the documents? Some of the accounts listed contain inaccuracies in reporting, such as incorrect amounts and dates.

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