vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I HAVE PLACED MANY PURCHASE/TRANSACTIONS ON " MY CHASE PLAN '' OR : '' PAY OVER TIME PLAN ''. THEY SAY THAT YOU CAN SPLIT PURCHASES OF XXXX  OR MORE INTO EQUAL MONTHLY PAYMENTS FOR A FIXED MONTHLY FEE AND NO INTEREST. SOUNDS LIKE A GREAT DEAL, RIGHT? 
NOT SO MUCH. THE TOTAL FEES ON THE PLAN ARE {$17.00}. THE TOTAL PURCHASES THAT I PUT ON THE PLAN IS {$11000.00}. MY ACTUAL PURCHASES WERE {$400.00} for that month of XXXX THE INTEREST RATE FOR ACTUAL PURCHASES IS 18 %. APR. BUT THEY CHARGED ME {XXXX FOR INTEREST. I ASKED THEM WHY, HOW COULD {$400.00} AT A RATE OF 18 % BE $ XXXXTHEY SAID BECAUSE I HAVE TO PAY INTEREST ON THE PAY OVERTIME MY CHASE PLAN TOTAL PURCHASES ADDING UP TO {$11000.00}. THAT SEEMS TO BE A MISREPRESENTATION TO ME. 
IN ADDITION, THE DISPUTE DEPARTMENT PROMISED ME A PERMANENT CREDIT FOR FOUR CHARGES FROM XXXX XXXX IN XXXX. ( ON THE SAME DAY! ) XXXX XXXX CHARGED ME XXXX FOUR TIMES IN ONE DAY, FOR SERVICE THAT I NEVER HAD WITH THEM. I HAD SERVICE WITH XXXX FROM XX/XX/2022, TO XX/XX/XXXX. I EMAILED CHASE AN EMAIL FROM XXXX CONFIRMING THAT AFTER CHASE DENIED MY INITIAL DISPUTE WITH XXXX XXXX. I SAID TO CHASE, " WHO ARE YOU GOING TO BELIEVE? SOME RANDOM CUSTOMER SERVICE AGENT, OR ME AFTER I SENT YOU PROOF THAT I DIDN'T HAVE SERVICE WITH THEM ''. HE SAID ALRIGHT, I'LL GIVE YOU PERMANENT CREDIT FOR THE FULL AMOUNT OF {$290.00}. NOW THEY'VE REBILLED ME. I WILL NEVER GET ANOTHER CHASE CARD AGAIN. I'M USING MY INTEREST FREE ABLE ACCOUNT AND MY INTEREST FEEE CREDIT UNION ACCOUNT ONLY, FROM NOW ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, 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: NH

Complaint narrative:
don't remember the specific dates but it was on news how negligent the credit bureau has been.

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 2023-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
On Thursday XXXX I was notified through my credit card company that I had a significant mark that was reported on my credit report. Concerned about this I obviously went to find out what the issue was. Upon looking at my credit report I have a supposed account in collections from XXXX XXXX XXXX XXXX XXXX in Florida. I immediately got in contact with Spectrum and had them look up all previous accounts/addresses that Ive ever had with them and they have zero record of any debts/balances on any accounts with my name. As far as XXXX XXXX is concerned they say its fraud and that they are attempting to contact this fraudulent company as well. I have attempted to call/contact that scam company XXXX XXXX XXXX with no answer or response from them. I have never been notified about a debt owed or balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
All information untainted and being reported has been fraud. I have not supplied proof under the doctrine of estoppel by silence, Engelhart v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debts, in fact therefore exists

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 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I have a vanilla gift card I call up the balance says {$150.00}. It is never been used every time I try to use it I said payment is declined. Ive tried on line and in person at stores. Ive called three different numbers I have multiple times and no one ever answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: IL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-19 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: IL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX XXXX TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncomp
liance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX Enclosed : copy of ID

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 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It XXXX Concern : I recently received a copy of my ( XXXX, Equifax XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX Enclosed : copy of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: NJ

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
misleaded my minimum payment amount from the very beginning! The company has audio recordings of my conversations where I asked to changed the minimum payment balance and they did say it has reduced. BUT now they are acting as if that conversation never happened. 

now they refuse to speak to me when I confronted them about this. They even admitted that it was their mistake and profusely apologized. I asked to speak to their senior manager and they told me to wait and apparently hung my line. 

Now they don't pick up. they put my number on a XXXX list. I have not seen this level of scamming and arrogance in any lending company that operates in the USA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 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:
These account is reporting have different dates under date of last payment or showing a past due balance on a closed and open account. Stop reporting this due to FCRA noncompliance of an accurate data being furnished on my consumer reports. These also states it was in XXXX and XXXX when this was opened and closes this is over 7 years ago. To old to be showing on my credit report and should be removed from all credit reporting bureaus already

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 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, 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:
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.

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 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  balance of {$1100.00} i have wrote and paid them still reprting on my credit also flagship credit acceptan charge off my account and i paid but they saying i owe 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 2023-06-19 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Venmo withdrew {$75.00} from my account twice. I paid the person ( and was supposed to pay them ) {$75.00}, but it was only supposed to be one charge. The end user did not receive money twice. 

I contacted venmo on XX/XX/XXXX and have had very minimal interaction with them. They take multiple days to respond and continue to ask for the same information that I have sent them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Incorrect information on my credit report

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 2023-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing this letter in reference to XXXX & XXXX that your company is currently reporting to XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2023, I received a notification from my credit bureau that my credit rating has decreased. This was due to citizens bank decreasing my credit limit from {$20000.00} to {$7600.00}. This created a windfall of negative results for me. For example, it created an increase in minimum payment from {$53.00} to {$200.00} ; a credit bureau utilization change from less than 30 % to 95 %. This decrease resulted in a decreased credit rating with all three credit bureaus.

I received to date no notification from Citizens Bank. I called them to inquire and spoke with the most insensitive manager in creation a XXXX XXXX XXXX, XXXX. He explained that the automatic payment of {$30.00} they received did not cover the minimum payment of {$53.00} so they lowered my credit rating as a result. Today I did not receive a phone call or letter from Citizens bank. I was not assessed a late fee for the four day late payment. The banks report to the credit bureaus for 30 days late. Citizens reported a credit decrease instead which is more damaging to my credit rating. Is this how Citizens Bank treats their good customers? Penalties for being four days late for {$23.00}? All I needed was a courtesy call or a letter stating the payment wasnt satisfied. This is an easy resolution as I have enough funds in my checking account to cover it. This was an easy resolution. While visiting my branch office, a Citizens bank officer offered me this credit that I did not initially request or need. They gave me a $ XXXX credit limit only to snatch it away on a technicality. I ask again is this how good customers are treated? Furthermore, there is no one to contact except writing to the office of the chairman. There is no customer advocacy group to call no email address to write to, only an insensitive manager to speak to. Your prompt response will be greatly appreciated. 

In addition, I visited the XXXX NY branch on XX/XX/XXXX, since their representative initially offered me the credit card. They contacted the credit department, who sent me a letter, finally, in an email. I received notification of what happened to my credit line and that the {$23.00} payment was four days late. In conclusion, I lost my credit line, got a reduction with all three credit bureaus for an error in payment amount. 

XXXX XXXX Citizen Bank Customer Credit Card ending in XXXX.

Company response to consumer: Closed with explanation