vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
THIS IS NOT MY ACCOUNT. Never I knew i had an affirm account under my name and worst that is been on collections. This is identity fraud someone opened an affirm account and now has been on my credit as adeliquent account and Payment history as unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: NV

Complaint narrative:
A bill showed up on my credit report from this collection agency trying to collect a fraud debt that was not mine from some company called XXXX XXXX. in the amount of {$2500.00}

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 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: WI

Complaint narrative:
I received a welcome email from Chime Bank on XX/XX/2023. I have never been on Chimes website. The next day I got an email saying they shipped a chime XXXX debit card to my previous address! I did NOT open an account with chime and did NOT approve them sending a card to an old address! I called their support number and they said there was an account attached to my email and said they would remove it and this would not happen again. Then I got an email saying they changed my email address on the account to the same email with XXXX added to the end. This is not what I wanted. I asked them to DELETE the chime account and put a fraud alert on my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: TN

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 explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I applied for a mortgage loan and lender ran my credit and stated I had late child support payments dated XX/XX/year> and XX/XX/year> XX/XX/year> and XX/XX/year> but I was not late on payments and my payment records shows I was on time and child support is taking out automatically on my check stubs. Having late payments on my. Credit report harnesses my chances to approved for a conventional loans. If I can have these issues fixed to show that I was not late that would he greatly 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 2024-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
Mailed letter to company opting out of reporting, for collection account dated XX/XX/2020 in the amount of {$830.00}, which was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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.

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 2024-01-27 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:
According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX  XXXX The account listed above is currently a closed account and that's more of a reason I want that account to be removed off my credit reports

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I reviewed my credit report 2024 of XXXX and noticing EXCESSIVE, unlawful credit reporting ADDRESS violations BY EXPERIAN in accordance of ; 15 U.S. Code 6821 ( a ) ( 1 ) ( 2 ) ( 3 ) - Privacy protection for customer information of financial institutions.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TN

Complaint narrative:
Mailed letter on XXXX opting out of reporting for account dated XXXX XXXX in the amount of {$110.00}.

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 2024-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: TN

Complaint narrative:
I received a statement for {$210.00}, amout due from a bill of {$2900.00} for XXXX XXXX XXXX  They gave a date of XX/XX/2023 but no discription of what it was for. I checked with XXXX and I do not have any outstanding debit for that time peroid. The only thing I owe currently is for an outpatient procedure performed on XXXX XXXX, which I am making payments on. 
The company that sent this to me is ; Paragon Revenue Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My Wells Fargo XXXX Credit Card had a balance of {$11000.00} ( the " XXXX Statement Balance '' ) for the billing cycle XX/XX/XXXX to XX/XX/XXXX, which is due on XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$10000.00}, which reduced the remaining XXXX Statement Balance to {$1800.00} ; on XX/XX/XXXX and XX/XX/XXXX, I received several refunds totaling {$1200.00}, which further reduced the XXXX Statement Balance to {$680.00}. The XXXX Statement Balance remained {$680.00} until another refund of {$59.00} was received on XX/XX/XXXX, which resulted in an unpaid due of the XXXX Statement Balance of {$620.00} on the XX/XX/XXXX due date. On XX/XX/XXXX, I received my statement for the billing cycle XX/XX/XXXX to XX/XX/XXXX, which indicated that I owed an interest of {$140.00}, calculated based on a 24.49 % APR on a {$6800.00} balance. 

I called Wells Fargo for a calculation of the {$6800.00} balance, and Wells Fargo responded that this was the " average daily balance '' of my " XXXX statement '' but refused to provide more detailed explanation or calculation of such {$6800.00} balance. 

My complaint is two-prong : 1. Throughout XXXX, Wells Fargo was showing me on their mobile app that I have {$0.00} remaining balance of my previous statement. This false and misleading information is the direct and proximate cause of my not paying off the {$620.00} remaining XXXX Statement Balance that were overdue after XX/XX/XXXX. 

2. Even if Wells Fargo is not liable for providing the false information, the overdue balance I had was {$620.00} for a period of 5 days until being paid off. It is utterly unreasonable and unconscionable to charge {$140.00} interest on the {$620.00} balance overdue for 5 days, which equals to a 1648.95 % effective APR. It should not matter how Wells Fargo calculated the pretextual {$6800.00} balance, especially when Wells Fargo also failed to provide any calculation of such balance that the interest was based on.

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 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I dont owe money on this card

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Pre-Arbitration Notice and Intent to File Legal Proceedings Regarding Improper Account Retention, Non-Account Removal, and Statutory Violations : 15 USC 1681a ( 2i ), 15 USC 1681 ( b ), 15 USC 1681c ( 5 ), 15 U.S. Code 6801, and 15 U.S. Code 6802 of the Fair Credit Reporting Act ( FCRA ) This Notice is hereby given that I am initiating pre-arbitration proceedings due to its violations of the following federal laws and the failure to remove an inaccurate account from my consumer report, and its willingness and KNOWINGLY BREAKING THE LAW AND VIOLATING MY CONSUMER RIGHTS.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Pre-Arbitration Notice and Intent to File Legal Proceedings Regarding Improper Account Retention, Non-Account Removal, and Statutory Violations : 15 USC 1681a ( 2i ), 15 USC 1681 ( b ), 15 USC 1681c ( 5 ), 15 U.S. Code 6801, and 15 U.S. Code 6802 of the Fair Credit Reporting Act ( FCRA ) This Notice is hereby given that I am initiating pre-arbitration proceedings due to its violations of the following federal laws and the failure to remove an inaccurate account from my consumer report, and its willingness and KNOWINGLY BREAKING THE LAW AND VIOLATING MY CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: SIMMONS FIRST NATIONAL CORPORATION
State: KY

Complaint narrative:
Reported me for bad debt I didn't know about. They never called me I had to find out on my own why my credit score dropped. I paid promptly when I found out. My XXXX XXXX went from XXXX to XXXX. All they had to do was let me know. Do you think a man with this score doesn't pay his bills.

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 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I went to XXXX and had a checking account with 5/3 bank. I had automatic subscriptions withdrawn from this account. I had to give someone power of attorney to handle the account since I obviously was not available to close the account. At the time my power of attorney went to the bank the bank said the account already had a negative balance. I for obvious reasons didnt have the money to pay them. But I also knew the auto payments from subscriptions would continue to come out. I explained this and they refused to close it at that time. I said that I didnt see how it made sense to continue to rack up debt I would not be able to pay if it was getting sent to collections either way at that point. They eventually sent it to collections. Now over two years later they have sold the debt and when I contact them they can not tell me who the debt was sold to. Or the amount. And I have tried calling two debt collectors asking if that was the debt they were sold. They will not answer me with out giving my debit card number. I have looked at my credit report and also can not locate the debt but I have determined the amount via my credit report through XXXX looking at my XXXX XXXX report. What should I do? Im confused as how this legal. What are my rights? I can not find any definite answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion refuses to remove fraudulent accounts and inquires. They send me letters accusing me of lying about this accounts and that they refuse to remove. I have sent them the required documents per the FCRA in order to have these accounts removed and or blocked! Yet they still refuse. Customer service at TransUnion is horrible. Nothing but overseas XXXX  who speak little to no English and don't take my calls and or complaints seriously. It's obvious that it is all about TransUnion getting paid to report. info even if it is indeed proven fraud! The following accounts are the result of ID THEFT and all the supporting documents have been sent in several times! 

1.XXXX  XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXXXXXX  XXXX Inquiry : XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX  Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX  XXXX  Inquiry : XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX  Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX  XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : 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 2024-01-27 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: CA

Complaint narrative:
I have two collection accounts that popped up on my credit report. I notified the bureaus with a letter and included a fraud report. They removed one of the collections, but they left the other collection account on. They did not provide me any response and I do not understand why they would remove one account, but not the other. Neither of the accounts belong to me.

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 2024-01-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: KS

Complaint narrative:
XXXX XXXXSo I had got my second round check in the mail for {$600.00} and I went to go cash it and I had went to cash it at a loan place and they gave me a prepaid NetSpend card and it was for my checklist for XXXX dollars and everything and they said it would be uploaded within the next XXXX minutes I waited nothing and then find out that that's been blocked my forget the cow due to having previous accounts so I had contacted them and ask them if I can't get my check or what can I do and they said they could send it back to me and that's that's been I'm talking about and I gave him my address and everything and phone number and they said there was a fee of {$25.00} for sending it back to me and. And I waited and waited and waited for a year so contact him again in XXXX  on XX/XX/year> and they asked me for talking to them again and then I was told that they located it and they would send any of my check and still haven't still to the day I have not received anything. I contacted them today on XX/XX/XXXX and they asked me about my information they asked me what my email was which I don't remember what the email was because I was able to make account but they're saying that there's an email on there and if they close the account and blocked it so how was I able to do all that I don't understand and they said they see it but they said since I can't verify my fish even though I did it's everything they told me that I need to go through the process and they asked me what the card number is which I don't have the card because it is XXXX XXXX and I was able to use that card so why would I keep it and they still won't give me my friends back

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 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
American Express has a system that forces card holders to pay interest when using autopay. In short : I have a monthly autopay setup for {$500.00}.

I start with a balance of {$0.00}.

In month one I charge {$650.00}.

In month 2 my autopay of {$500.00} is applied leaving me with a balance of {$150.00}. 
After the autopay in month 2 I charge another {$300.00} leaving me with a balance of {$450.00}.

In month three my monthly autopay is again {$500.00}, However, they only apply {$150.00} of my autopay leaving me with a balance of {$300.00}.

They only apply the autopay to the previous statement balance rather than applying it to the account balance on the day the autopay is triggered. This allows the 25 day grace period to expire and they start charging interest based on the daily balance. They are essentially refusing to take a payment, then charging interest on the balance not paid. 

In the example above, my balance on the day the autopay is scheduled is {$450.00}. With the amount of the autopay exceeding the balance on the account, the autopay should have completely paid the balance.

Company response to consumer: Closed with explanation