vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I called Citibank to pay off my Best Buy credit card and to close the account on XX/XX/year>. I was told my final bill was XXXX  and the representative would waive the late fee and interest for XXXX. ( The due date was XX/XX/year>. ) Since XXXX, I have continued to receive bills for late fees and interest even though there should be no balance on the account. I called on XX/XX/XXXX to dispute the fees and was told I just need to pay the charges. I called back on XX/XX/year>XXXX  after receiving a notice that Citibank would report the missed payments to the credit bureaus. I was told that Citibank does not allow customers to dispute fees. I was transferred to Customer Service, and after 15 minutes on hold the voice was so garbled, I could not make out any words. I called back but was still unable to make out any words due to the garbled voice. Each month they continue to charge me an additional {$42.00} and change as a late fee and interest.

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year>XXXX  Could no longer use my Chase debit card or access my online account. 

XX/XX/year>XXXX  Contacted two representatives Chase representatives and was told they dont have to give me a reason for closing my account. 

XX/XX/year>XXXX  Went in Chase branch location XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. 
Talked to the banker, was told that they had 10 days to close my account and another 10 days to mail a check. 

I pleaded with multiple Chase representatives and no one tried to expedite the process to receive my funds. 
I am in the middle of a family emergency and theres nothing they can do to expedite the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

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 2024-11-19 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: MD

Complaint narrative:
I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

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 2024-11-19 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: TX

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX  Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX  XXXX TX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXX/XX/XXXX Employers : XXXXXXXX XXXX  Also Known As : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I filed a dispute for someone using my card and Bank of America taking out extra fees I received a check for XXXX when my dispute was XXXX dollars they lied and said charges where made by me which is completely untrue they denied my irp claim I had to take person loans borrow money from family I am a single mother and this really put me in a bind

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 2024-11-19 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: TX

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. I understand that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX 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 2024-11-19 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: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : 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 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 explanation
Consumer complaint received 2024-11-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I noticed an account associated with Synchrony Bank on my credit report that I did not open or authorize. According to my credit report, the account was opened on or around XX/XX/year>. The account is reported as a secured loan with a balance of {$15000.00} and a past-due amount of the same figure, but the details vary significantly across the three major credit bureaus. 

The discrepancies include : 1. The Date Opened is listed as XX/XX/year>, by XXXX, but XXXX and XXXX report it as XX/XX/year>. 
2. The account is listed as Derogatory by XXXX and XXXX, while XXXX reports it as Open. 
3. The reported balance is {$15000.00} on XXXX and XXXX but {$0.00} on XXXX. 
4. The High Credit amount is reported as {$21000.00} by XXXX but {$0.00} by XXXX and XXXX. 

I have never applied for or authorized this account, and I suspect it was created fraudulently. When I discovered this account, I immediately reviewed my records to confirm that I had no affiliation with this account or Synchrony Bank. I also filed a report of suspected identity theft and began contacting the necessary agencies to dispute this information. 

The inaccurate and fraudulent reporting has negatively affected my credit score and caused unnecessary stress. I request that this account be fully investigated and removed from my credit reports to prevent further damage to my credit profile. Additionally, I would like the reporting agencies to notify any company that has accessed my credit report in the last six months of the corrected information. 

Thank you for your prompt attention to this matter.

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 2024-11-19 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: IL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiries listed below from my credit file. I am a victim of a data breach, and I did not authorize or initiate these items. 
Fraudulent Account 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 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 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 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 2024-11-19 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: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of the accounts listed below from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items removed from my credit file. 
Unauthorized Accounts : 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 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 2024-11-19 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: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: AL

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX I initiated a balance transfer in the amount of {$1400.00} with Capital One Bank. I was transferring {$1400.00} from my XXXX XXXX XXXX  credit card to my Capital one credit card. Capital One posted the balance to my account and sent a paper check to XXXX XXXX XXXX. When XXXX XXXX XXXX  received the paper check they denied the payment and destroyed the check. Because they only accept electronic payments. They sent me an email notifying me of their actions. I then contacted Capital One and notified them of XXXX XXXX XXXX  denying and destroying the balance transfer payment. At which time I was basically told they were not going to remove the balance transfer amount of {$1400.00} from my account. It was my responsibility to resolve the issue with XXXX XXXX XXXX. My question is how can a bank charge me for a debt that they did not accrue or take possession of? The receiving bank did not honor the payment. Capital One did not assume responsibility for the debt therefore I should not be charged for the debt. And it should be removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: SC

Complaint narrative:
-- - Subject : Immediate Cease and Desist Notice for Unlicensed Debt Collection To Whom It May Concern, I am writing to demand that you immediately cease all attempts to collect the alleged debt referenced in your communications. Your company is not licensed to operate as a debt collection agency in the state of South Carolina, in violation of South Carolina Code Ann. 37-7-102.

As per the South Carolina Department of Consumer Affairs, all debt collectors must be licensed to legally collect debts within the state. Failure to comply with this requirement constitutes unlawful conduct and subjects your company to penalties under state law. 

I expect you to provide proof of your licensing within 15 days. If you fail to do so, I will file a formal complaint with the South Carolina Department of Consumer Affairs and pursue further legal action as necessary to protect my rights. 

This communication serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and South Carolina law. Your prompt attention to this matter is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: AL

Complaint narrative:
XXXX XXXX Once again this is not my account the address doesnt belong to me I have no knowledge of this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: LA

Complaint narrative:
XXXX XXXX XXXX collection company XXXX XXXX XXXX was charged off in XXXX.I have requested the 1099c to support the charge off and it has not been sent. I have also requested proof I owe this collection company XXXX XXXX XXXX and I havent received it. I have disputed this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXThis collection company has now served me with a suit. I will be providing answers to the suit. I am attaching documents of the suit stating they are XXXX XXXX XXXX and not XXXX  as they are claiming.The suit petition and attorney notice account numbers match each other in my attached documents. They cant act as if they are XXXX because they bought my account from them. # XXXX. I have no financial business with this company. This is misleading and false representation.

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 2024-11-19 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: LA

Complaint narrative:
XXXX XXXX XXXX collection company XXXX XXXX XXXX was charged off in XXXX.I have requested the 1099c to support the charge off and it has not been sent. I have also requested proof I owe this collection company XXXX XXXX XXXX and I havent received it. I have disputed this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXThis collection company has now served me with a suit. I will be providing answers to the suit. I am attaching documents of the suit stating they are XXXX XXXX XXXX and not XXXX  as they are claiming.The suit petition and attorney notice account numbers match each other in my attached documents. They cant act as if they are XXXX because they bought my account from them. # XXXX. I have no financial business with this company. This is misleading and false representation.

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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
they claim i owe a debt but they have yet to verify the debtshow me proof of ownership that authorizes for them to collect this debt.full account history with transactions and statements.a copy of a signed contract or agreement that says im obligated to pay this debtand their licensing and registration information as required by the relevant state and federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: AL

Complaint narrative:
I was shocked to find incorrect accounts on my credit report this morning, and I have no clue how they got there. I regularly check my credit report, and this time, unexpected discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the inaccuracies remained. This has left me deeply frustrated, and I urge you to carefully review the documents Ive provided so I wont have to deal with this issue again.

Company response to consumer: Closed with non-monetary relief