vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP
State: MA

Complaint narrative:
To whom it may concern i initially tried to contact XXXX XXXX XXXX about my debt but i saw that my file had been given to a company called Rausch sturm llp. I called them on XX/XX/2024 when i called they could not locate my file and told me to call back in a few days i followed up with them for a week and kept getting the same message until i finally called one day and they told me my account was locked because they hadn't sent out the letter stating that they owed my debt and said i can check on that for the following few weeks I've called multiple times asking to settle my debt and one time started negotiating with me and i offered them XXXX to close the account and they said it didn't get approved or denied and that they would call me back in a day or two with the result and if it was approved that i would have to pay by the months end which i agreed to. they never called back and in my own follow up they told me they couldn't do anything settlement wise because they hadn't sent the letter yet. I just wanted to figure out why its been taking so long almost a month after our first contact to receive the letter that they have my debt. I called today XX/XX/2024 and was yet again told they could not access it but I was told they acquired a massive amount of client files from another company and was told that its taking along time to get thru them. he did ask if it specifically has been about 30 days since first contact which has led me to believe something was going on given how specific the day count was. I am in the final stages of getting a mortgage and the one hang up is this debt that this company has strung me along with. from the very first phone call I've asked to settle and have been denied. the fact it is taking this long to just send me a letter is causing me great mental anguish and harm not to mention wasting my time calling them of which i have done 17 times between XX/XX/XXXX and todays date XX/XX/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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2024, I was making a XXXX transaction of XXXX $ toward a what suppose to be a renting application fee but then found out that it was a scammer. I gave bank a call on the same day trying to cancel/ dispute the transaction but the bank were not able to reverse the transaction for me. I explained that it was a scammer but they were not able to help me with anything event to flag an account as a fraud. They told me to report to the police for this problem and to bad business bureau which I did. But I am just in shock of how the bank would handle this situation. If the transaction done on the same day there should be away to reverse it and be able to flag a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
On XXXX this company reported to my credit report that I owe {$3400.00} which is a direct result of fraud and identity theft. I was not contacted prior to reporting and would like it removed from my credit reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TODAYS XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX CEDAR XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX CEDAR XXXX XXXX XXXX XXXX XXXX FL 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 2024-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Americas Car-Mart, Inc.
State: OK

Complaint narrative:
RECENTLY BOUGHT A CAR FROM CARMART, THEY INDICATED THAT I WILL NEED A GUARNTOR TO SIGN NOTE. THE GUARANTOR WAS MY XXXX DAD, WHOM IS XXXX CAME IN AND WAS TOLD BE MANAGER THAT THIS LOAN WILL NOT BE REPORTING TO XXXX IN MY DADS NAME OR CREDIT. I FEW WEEK LATER THEY APPEARED ON XXXX FOR XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NATIONAL DEBT RELIEF LLC
State: FL

Complaint narrative:
Supposedly had an acct in 2012 they using my maiden name, which hasnt been correct in years. Then threatened me for law suit on what theyre saying is over 10 year credit XXXX a wrong email and all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On my Care Credit account ( owned by Synchrony bank ) I have two promotional/deferred interest purchase balances expiring on XX/XX/XXXX. According to my XX/XX/XXXX statement, there is one promo balance of {$1300.00} and another of {$530.00}. I made two payments to my account on XX/XX/24 : one payment for {$150.00} and another payment for {$350.00}. Since my promo balance expires on XX/XX/XXXX I expected that both of these payments would be applied to those balances and not to other promotional balances on the card since this is what is stipulated in the Card Act as well as the cardmember agreement ( i.e., that payments are applied to the balances with the deferred interest first ). 

On XX/XX/XXXX I logged into my account and saw that one promo balance was {$180.00} and another was {$1300.00}. The payment of {$150.00} was NOT applied to the promotional balance that expires on XX/XX/XXXX. The payment was applied to a different balance on my account. 

I sent a message to CareCredit through their online portal and received a message saying that they would review my complaint and that our review and resolution process may take up to 2 billing statements, ; however, our typical response time is 20 days. You will receive a letter in the mail with the resolution. Given that the promotional balance expires on XX/XX/XXXX, which is earlier than 2 billing cycles, this issue will not be addressed in time. 

CareCredit/Synchrony Bank is in violation of the Card Act because of how they applied this payment. 

I want the payment of {$150.00} applied to the promotional balance expiring on XX/XX/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 2024-02-13 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: MI

Complaint narrative:
XXXX opened a credit card in my name. They used my address, date of birth and ss #

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-13 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: MI

Complaint narrative:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account Number:XXXX My parent has the same name as me. 
XXXX XXXX - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX  XXXX - Account Number: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 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I went to use my debit card. Both were declined. I called bank they said my account was locked due to suspicious activity. I went to the bank. They would not unlock my account.. I called the number they gave me. They said my account is under review .. first they said because back of one of my checks I deposited wasn't signed. When I opened the account my funds were held for over 2 weeks for clearance of the checks.. I opened 2 accounts. Both accounts are locked now. This is 3rd time. They will give me a reason. They will not give me contact information for who is reviewing my account. I have been to the bank with my id they will not let me close it out. I have called several times and they will not give me any reason they just tell me it is under review.. it has been this way for a week. The fraud people I called tell me same thing. I tell them I'm the only one who has accessed my account. They still will not release any of my money. The accounts are through truist bank

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 2024-02-13 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: MD

Complaint narrative:
I have unauthorized and fraudulent inquiries on my report. 
XXXX - XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax According The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies they must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I received a noticed in the mail from Discover stating that my monitoring had been stopped which prompted me to call them on XX/XX/XXXX and they said they had sent me a letter in the mail stating my account was going to be closed if I did not use the card back in XX/XX/2023. I never received the letter so I had no idea my account was going to be closed or I would have made a charge on the card I am completely paperless with them and never received an email with this information. I have spoke with them on XX/XX/XXXX and XX/XX/XXXX and they are refusing to reopen the account or do anything to rectify the situation. They said the will pass along my complaints about it receiving the letter and thats it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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:
Someone stole my identity and obtained credit in my name without my knowledge. Please help me remove these accounts off my credit report I attached documents and I will also list some below. 

1.XXXX  XXXX 2.XXXX  XXXX 3.XXXX  XXXX 4.XXXX  5.XXXX  XXXX XXXX 6. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
As I told Cash App, i discovered that i had been hacked on XX/XX/XXXX and provided them with all of the followinginformationthat they could, also verify on their end. The following are the dates and times i was hacked. XXXX XXXX XXXX XXXX XXXX XXXX to a XXXX XXXX that was denied as it was a straight account transaction from my bank it appears. 
XXXX XXXX XXXX XXXX when {$170.00} was pulled from my bank account XXXX XXXX XXXX XXXX to a XXXX XXXX again XXXX XXXX XXXX XXXX to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX was pulled from my bank account XXXX XXXX XXXX XXXX {$200.00} was sent to XXXX XXXX Why do you believe an error occurred with this transaction? 
I have not used Cash App in almost a year. I had to redown load it just to go through all of this. I have no idea who any these people are, and I certainly would not randomly send strangers {$380.00} when that is money I could use. The times that the account is getting hit is extremely suspicious I would have thought as is the fact that they tried and failed to send it to another user before finally switching names and pulling straight from my bank. I'm not sure why the first instance was not looked at and why these peer to peer issues are not better looked at. 

In my initial dispute, I was ruled against and I believe that is due to Cash App not doing due diligence on their part to connect with the other parties to see if they exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ThunderRoad Financial, LLC
State: SC

Complaint narrative:
I am on Auto Pay. I wanted to increase my amount, ie. Pay more than my monthly payment. I am unable to make that adjustment thru their pay system. Customer Service just kept saying " that's how our system works ''. They said in order for me to pay extra, I would have to call every month and pay by phone.

This is a complete inconvenience and how they force you to pay only the monthly payment, thru the term of the loan, to collect full interest. I should be able to set up Auto Pay for more than my monthly payment. Customer service said they are not even able to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud

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