vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
XX/XX/2022 This company is a fraud and scale. They told me they would. They were putting me in a program where I would pay {$50.00} a month with no interest in. And I'm still paying interest on this company. I paid a {$50.00} every month and somehow. I looked at the count today. The interest is still paying. So I called the company and talked to someone. That person told me that this company never put me in the program. So I'm still paying interest. They're not sticking to they bargain What they sent to me from XXXX  And it's like when they took gave me a XXXX XXXX it went right back on, so I'm never gon na get out of debt with this company. I'm just don't understand how you can tell customers one thing, and do something different it's sad that I can't get the help and the young lady told me. I was never signed up in no program at all and when I contacted them regarding about what letter that was sent to me. And I even emailed it to the company as well. No one still reached out and tried to help me. This company is really scamming me and I don't have it. They shouldn't have lied and told me. That was putting me in the program where they keep hitting. My critic report multiple dives. No company should be able to keep putting. The same thing on your credit report. XXXX times each month they report the account is closed and they keep charging interest and taking my credit score down. Lower and lower someone. Please help me with this situation. Because this company is not sticking to what they said about the program that they were talking about me paying back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: NJ

Complaint narrative:
I am writing to file a formal complaint concerning a flagrant violation of my federally protected rights delineated in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. The presented list of accounts starkly demonstrates a blatant disregard for my fundamental rights to privacy and confidentiality. 

Despite explicit requests for reinvestigation directed at Equifax regarding the following accounts : XXXX : XXXX, XXXX : XXXX,, their responses have consistently asserted the completeness and accuracy of all information. However, these assertions directly conflict with the undeniable inaccuracies in critical details such as open dates, dates of last activity, and other pivotal elements. 

Under 15 U.S.C. 1681i ( 5 ), these agencies are unequivocally mandated to rectify inaccurately reported accounts. Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), any entity is explicitly prohibited from furnishing inaccurate information to consumer reporting agencies when knowledge or reasonable cause exists of such inaccuracies. 

The ramifications of these inaccuracies extend beyond mere data errors. They significantly impact crucial credit ratios, such as the length of credit history, debt-to-credit utilization, and misrepresented balances, consequently impeding my ability to secure credit. 

These inaccuracies are an infringement of my rights and impair my capability to obtain fair access to credit opportunities due to misrepresented and flawed data. 

Additionally, it is crucial to note that while other bureaus could not verify these accounts, they inexplicably remain on the reports of these agencies. This incongruity is perplexing, as all bureaus are expected to follow similar verification processes. The persistence of these inaccuracies across multiple reporting agencies underscores a systemic issue that requires urgent attention. 

I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly and take decisive action against the entities responsible for their failure to adhere to federal regulations to safeguard consumer rights. Rectifying these inaccuracies is essential to restore the integrity of the consumer reporting system and ensure fair access to credit for individuals. 

Thank you for your immediate attention to this pressing issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: CA

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2023-12-29 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: CA

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I received a bill from Macy 's stating that I had a balance of {$6.00} due on XX/XX/2023 for an account ending in XXXX. I have not used my Macy 's card in years and had a XXXX balance on it. They have begun charging me minimum interest charges even though I have not been using the card and the balance has been paid off. The letter they sent me says there was a balance of {$4.00} that was subject to interest and that they added a {$2.00} " minimum interest charge '' for the balance, but I do not have a balance and I'm not paying a minimum interest charge on money I do not owe. 

I have attempted to rectify the matter with them on XXXX occasions, but their phone lines are all automated and I have waited between 22 and 47 minutes with no one responding to the calls.

The annual interest rate for this card is reported at 31.99 %. The statement also says that the total fees charged in 2023 was {$2.00} and that the total interest charged in 2023 was {$0.00}, so I have no idea where the {$4.00} came from.

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 2023-12-29 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received an American Express XXXX XXXX XXXX XXXX through my job on XX/XX/XXXX. After having transactions declined on XXXX, XXXX, XXXX, and more, I called on XX/XX/XXXX to ask about how to use the card since on their website it says it can be used online. They said the card was declined due to security measures, but are unable to provide any information on how those security measures work or how to bypass them to actually use the card. I asked to be connected to a supervisor and was left on hold. I used it on XXXX online successfully and in person at XXXX. 

On their website it says, " They can be used virtually anywhere American Express Cards are accepted in the U.S. '' and does not include any information on their security measures, where the card may be used, or any relevant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
They are listing my payments as late under an open ended consumer credit plan which is against the 15 U.S. Code 1666B law.

Under 15 U.S. Code 1666B it clearly states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I called the company and spoke with representative XXXX ( Ref # XXXX ) who stated the company can not remove the late payments from the account, but the credit bureau could.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
A deposit was made to me in the amount of {$100.00} through CASH APP on XX/XX/XXXX. 
After the 5th day not received I went to my mobile device to have the money transferred to my checking account at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. 
It never arrived, I immediately called my bank on XX/XX/XXXX and consulted with a service representative who checked my account/transactions and could not find any deposit made to me from CASH APP during that month. I then called CASH APP again and told them what my bank said, they gave me a reference no. to give to my bank which again they looked up, still there was no such deposit made there was nothing they could do because their was no monies/deposit made. I contacted CASH APP again to resolve this issue they finally talked to my bank and are blaming my bank for the funds not arriving to my account and want to wash their hands of this matter and not refund me my money that they have lost. This back and forth has gone on for about 7 weeks to no avail, they are saying there is nothing they can do instead of refunding me my money since it was under there app. I contacted XXXX and CASH APP has only responded that they provided me with information on this issue but not correcting the issue. As of XXXX there is still no refund that I believe they owe me. The first Reference # is XXXX and when re-opened XXXX XXXX  XXXX. Thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
Terrible customer support - putting my credit at risk for something I did not ever buy. I bought a ski pass using Affirm and paid it off. A month later I started getting email notifications on a different email address ( not the one I used for Affirm ) that another purchase had been made on my account. When I went online into my account with Affirm I didn't recognize the purchase ( it was from XXXX XXXX - maker of XXXX insulated mugs ). The last four digits of the credit card used did not match mine or those of anyone in my family. I submitted an unauthorized purchase report on XXXX XXXX, XXXX. Soon I started getting notices that Affirm was unable to charge the credit card used for the initial purchase and I owed money. So I called Affirm on XXXX XXXX. Customer support was unable to provide me information on the status of the investigation, but said they were escalating to the team investigating the report who should contact me by email within 24 hours. I received no contact for two days,, and I got two packages from XXXX, so I called back in, spoke to a supervisor, who basically said the same thing, on XXXX XXXX. That day I got two email notices saying someone should respond in 24 hours. Affirm did give me information on how to contact the merchant, but they are even harder to contact ( I've was on hold waiting for someone to pick up for a half hour and gave up ). After a week of no contact from Affirm I called back in again. They say they can not give me the status of the investigation and I can not speak to anyone from that team or any higher supervisor or officer. It seems really unethical to me to provide no information on how they allowed someone to associate a purchase with my account that I never authorized, and then associate it with a completely different email. I suspect their security is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: NY

Complaint narrative:
I am writing to file a formal complaint concerning a flagrant violation of my federally protected rights delineated in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. The presented list of accounts starkly demonstrates a blatant disregard for my fundamental rights to privacy and confidentiality.

Despite explicit requests for reinvestigation directed at Transunion regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , their responses have consistently asserted the completeness and accuracy of all information. However, these assertions directly conflict with the undeniable inaccuracies in critical details such as open dates, dates of last activity, and other pivotal elements. Under 15 U.S.C. 1681i ( 5 ), these agencies are unequivocally mandated to rectify inaccurately reported accounts. Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), any entity is explicitly prohibited from furnishing inaccurate information to consumer reporting agencies when knowledge or reasonable cause exists of such inaccuracies. The ramifications of these inaccuracies extend beyond mere data errors. They significantly impact crucial credit ratios, such as the length of credit history, debt-to-credit utilization, and misrepresented balances, consequently impeding my ability to secure credit. These inaccuracies are an infringement of my rights and impair my capability to obtain fair access to credit opportunities due to misrepresented and flawed data. Additionally, it is crucial to note that while other bureaus could not verify these accounts, they inexplicably remain on the reports of these agencies. This incongruity is perplexing, as all bureaus are expected to follow similar verification processes. The persistence of these inaccuracies across multiple reporting agencies underscores a systemic issue that requires urgent attention. I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly and take decisive action against the entities responsible for their failure to adhere to federal regulations to safeguard consumer rights. Rectifying these inaccuracies is essential to restore the integrity of the consumer reporting system and ensure fair access to credit for
individuals.

Thank you for your immediate attention to this pressing issue.

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 2023-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: LendingPoint Holdings LLC
State: NC

Complaint narrative:
XXXX contracted with XXXX XXXX to handle financing but in XX/XX/XXXX they switched over to LendingPoint. I have a current account with XXXX XXXX that was transferred to LendingPoint. Supposedly an email was sent by XXXX and a letter was mailed. We received neither one. I finally received a phone call 89 days after the payment was late. It was previously an autodraft. I requested an email so I could login and make a payment. Their website shows I'm behind {$2900.00} in one screen but my monthly payments are only {$180.00} and only 3 months missed. Another screen has my interest rate wrong, another screen shows the payment as {$180.00} and another screen shows the three payments, {$180.00} for XX/XX/XXXX, {$200.00} for XX/XX/XXXX and {$19000.00} for XX/XX/XXXX. Also, it shows my interest rate of 9.24 % and my interest rate is 4.99 %. I'm now being told their website is down, even though I can login, setup autodraft, and see account information. At one time on the phone, I'm told I can't pay online and then when I refused to give credit card information to a person on the phone, then all of the sudden I could pay online. When I requested paper statement, I'm also being told that they are paperless and can not provide this information. It's very deceptive that I can not get a monthly statement mailed or view a correct one online. Also, getting conflicting information from the same person on the same phone call, is very deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. 


TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: Reliant Capital Solutions, LLC
State: AZ

Complaint narrative:
RELIANT CAPITAL SOLUTIONS , LLC Date Assigned -XXXX XXXX XXXX Original Amount Owed- {$8800.00} I asked for a validation of debt letter with my signature showing I have a contract with the company, and they have not provided this, this is violation of the FCRA and my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at : 1.Name : The Names on my report should be corrected and these Inaccurate names must be removed : NAMES : XXXXXXXX XXXXXXXX 2. My Address : These Addresses are not mine and should be removed : XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: FL

Complaint narrative:
please see attached file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX opened XX/XX/2022 without my knowledge. When I notice this card i closed this account but its still in my credit report and hurting 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 explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
On XX/XX/2023, I charged {$4400.00} to my Citi credit card. I already had a {$1500.00} balance at 6.99 %, a {$370.00} balance at 5.99 %, and a {$2600.00} balance at 0.00 %. I accepted an offer to finance the {$4400.00} at an APR lower than the standard APR of 19.24 %, which I believe was 8.99 %. Later, I received an insurance reimbursement for {$4400.00} and wanted to pay off the latest offer. I called Citi, and I was told that they could not direct the payment, but the highest interest rate would be paid off first according to law. Since the balance of {$4400.00} had the highest interest rate at 8.99 %, I thought it would be paid off first. 

Instead, the payment XXXX out {$2600.00} balance transfer at 0 %, the {$370.00} balance at 5.99 %, and the {$1500.00} balance at 6.99 %, leaving behind a balance of {$4100.00} at 8.99 %. I believe Citi has broken the law by paying off the debts with the lowest interest rate.

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 2023-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
In XX/XX/XXXX, I paid off the lease of XXXX company vehicles we had since XX/XX/XXXX. We were told that our title would be mailed within XXXX days from the transaction date, but we never received it. Moreover, we could not trade in or sell these vehicles in a timely manner, causing damages for up to {$45000.00} in lost value of the cars, hurting the finances of our small business.

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