vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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 knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
I called the company and I paid the debt they said it would come off of my report, the company never deleted the information off of my credit reports like XXXX, XXXX XXXX. I dont owe this debt this company and myself made a deal and I paid them almost XXXX dollars. I had to put the debt on another credit card. This company was very pushy and threatening and i felt harassed. I paid what they told me to and I didn't receive the results I thought I would receive.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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 knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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 knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/year> I noticed that my minimum payment was {$210.00}. At that time I was paying {$300.00} per month. Around XXXX the minimum payment went up to {$260.00} although I didn't see it, and I didn't pay attention to it as I had not used the card in several months so I just presumed the minimum payment was the same. When I called to say that I didn't realize the minimum and payment went up and could they waive the late fee that were very evasive. The customer service rep also demanded that I pay {$300.00} on the spot although I kept saying that I'd already paid {$220.00} and I was under the minimum {$40.00}. Why pay {$300.00} when I could just pay the additional {$40.00} to get caught up? What I also objecti to is that they act like you're some kind of criminal or habitual nonpayment type person. I pay every month automatically from my account and whenever this happens and the minimum payment increases XXXX always get caught Another complaint I have is that they often times have the minimum payment due on a Sunday and as my bank doesn't transfer on weekends, it arrives there on Monday and I incur a late fee. I don't think that is fair or correct to the consumer to have a minimum due date on a Saturday or Sunday. I didn't get a straight answer as to why my minimum payment went up from XXXX to XXXX. I think it's totally unfair that a person constantly paying on time can not have a waiver of the late fee Or that they can be a little sympathetic to the fact that a mistake was made. 


I am also finding that many other companies are sending text messages and XXXX reminders to consumers. Synchrony bank needs to do the same. With this particular care credit card they only send XXXX email and often times that can get lost in the Multiple emails that get per day

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 2024-05-30 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: MI

Complaint narrative:
After talking to eqifax in XX/XX/XXXX XXXX told me that i have 9 address that didnt disclosed to me i also disputed the inaccurate address that were on my file which is XXXX XXXX XXXX XXXX that will not removed the address I have disputed .i disputed the non mailing address with cfpb which was XXXX XXXX XXXX Michigan XXXX they send me a letter in responds to my dispute an address that is not on my file which you all have records of me disputing.i called equifax on XX/XX/year> and spoke with XXXX who lied to me and said that they only have one address my file which is my current address, and they have removed the address but they have never sent me any notification on the deleted addresses.because I have us total service that notify me of the upcoming mail.when I asked to speak with the manager she hung up on me i have the letter that they have responded to from the cfpb complaint which is not anything I have disputed.i belived they were misleading and non professional to me.i am demanding to removed the non mailing address XXXX XXXX XXXX XXXX XXXX and the other nine addresses that they would not tell me about that I have on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
the company is reporting wrong information even when i sent to them my supporting documents like social and drivers license they does not care my credit

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 2024-05-30 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased an item from XXXX for {$380.00} and it wasnt received. I reported it as not received and XXXX is insisting that it was delivered. It was supposed to be a white couch, now Ive paid twice for two couches and only have one

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Chainlink Services LLC
State: VA

Complaint narrative:
It originally started with my mother calling me because XXXX XXXX called her and indicated she was looking for her daughter in reference to a debt she owed. This immediately made me call the number back and advise XXXX to take my mother 's number off the call list, and inform XXXX that she had violated my rights by telling my mother i owed a debt. XXXX than begin to say she would now place my work phone number up there and XXXX hung up the phone. I then began to receive over 3 voicemails from this company at my shared office phone number. My manager forwarded them to me. I called and spoke to a " XXXX '' he refused to give me his full name or spell what he was saying so I dont even know if that name is correct. He also refused to give me XXXX XXXX XXXX, and he refused to let me speak to a manager or disclose the name of the owner to me when I asked for corporate information or supervisor information. Also XXXX lied to me, I asked him how did they even get my work number, he says you put it in on the application when you applied for this loan. XXXX told a flat out lie, as I have only been in this new job for less than 30 days, so it is no way I would have placed this number on the application as i didnt even have this job when i took out that loan. I told XXXX that although I owe a debt him and XXXX are using the wrong tactics to collect it and that I know my rights, as I did debt collection before when i was younger. XXXX then tells me he has been doing debt collections older than my age. I told him he was not supposed to be using personal information like my age, he then reads the credit file and tells me that I am XXXX and he has been doing this for 30 years. I have to file a complaint this company is not doing right and is violating peoples rights. THe email address is XXXX the phone numbers they have called me, my mother and now my workplace at are : XXXX and XXXX. Someone please help me this experience was horrible and they are violating so many rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Juno ( CapitalJ Inc. ) regarding their role in denying me access to my funds totaling {$1600.00}, which are stated to be held with XXXX XXXX XXXX XXXX  in a checking account ending in XXXX. This issue has persisted since at least XX/XX/XXXX, when Juno canceled two bill pay debit card transactions and subsequently canceled an ACH withdrawal. 

Upon questioning Juno about these incidents, their response was : " As of now, XXXX XXXX XXXX XXXX  has frozen all card payments. This is out of our direct control, but we are doing everything we can 24/7 to help unfreeze card processing. We are in contact with XXXX XXXX regulator, The Federal Reserve Bank XXXX XXXX XXXX, and are doing everything we can to get cards activated as soon as possible. '' Additionally, Juno stated : " The disruptions are due to issues with our banking services provider, XXXXXXXX XXXX XXXX XXXX. Juno is not responsible for the disruptions. We are closely collaborating with XXXXXXXX XXXX XXXX XXXX and our brokerage partner, XXXX XXXX XXXX, to resume normal service operations. '' I subsequently contacted XXXX XXXX who informed me that several months ago, their relationship with XXXX ended, and all accounts were transitioned to XXXX XXXX. They advised me to contact XXXX directly. 

As a customer, I find myself caught in a loop of blame-shifting between Juno, XXXXXXXX XXXX XXXX and XXXX XXXX. Despite this, my account was created with Juno, and I entrusted Juno with my funds. Therefore, Juno should be responsible to me as their end user. 

The freezing of my primary bill pay account has caused significant hardships and inconveniences. However, I am aware that detailing these would likely not impact the outcome, as it seems clear that none of the involved parties are prioritizing the resolution of this issue. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Juno ( CapitalJ Inc. ) takes responsibility for providing me access to my funds promptly. This situation is unacceptable and has caused considerable stress and financial difficulty. 

Thank you for your attention to this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification about this debt. If in fact, you believe that Ive received proper notification, please provide the certified mail that you sent to me with my receipt and signature which shows that Ive received this debt notification and right to dispute.

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 2024-05-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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 knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-05-30 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-05-30 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: LA

Complaint narrative:
I NOTICED FRAUDULENT ACTIVITY ON MY CREDIT REPORTS. I REQUESTED DOCUMENTATION FROM EACH CREDITOR SHOWING PROOF THAT I MYSELF THAT THESE FRAUDULENT ACCOUNTS BELONG TO ME. EACH CREDITOR HAVE FAILED TO DO SO. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

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 2024-05-30 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: LA

Complaint narrative:
I NOTICED FRAUDULENT ACTIVITY ON MY CREDIT REPORTS. I REQUESTED DOCUMENTATION FROM EACH CREDITOR SHOWING PROOF THAT I MYSELF THAT THESE FRAUDULENT ACCOUNTS BELONG TO ME. EACH CREDITOR HAVE FAILED TO DO SO. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

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 2024-05-30 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: AK

Complaint narrative:
I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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