vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PR

Complaint narrative:
On my payday over XXXX ago I went shopping to a store with my daughter, to my knowledge money was in my account due to my payroll being directly deposited into it on a weekly basis, and saving up as well. When I get to the checkout point as I provide my card and press my pin my transactions were being declined. So on the XXXX try my card becomes blocked. I call the Fifth Third Bank in XXXX, Ohio while still at the store, as soon as I explain my situation on the call the representative who takes my call replies " oouuu you have fraud and Identity theft on your account, the account was overdrawn and someone inside the bank ( employee ) opened a new savings account as well in your name ''. Bank then decides to help me via investigation, closing the accounts in person and after a while returning my money. But while all this was happening a few days later my XXXX XXXX that was on a XXXX lease gets repossessed for non-payment ( Due to unknowingly insufficient funds in the account when payment was to be processed ). I was so trusting my money in this bank that I wouldn't verify anything ( definitely a learning lesson for me ). When I called today XX/XX/year> ( yrs later ) the automated service stated me to enter my account number ( which I didn't have ) or SSN ( I used for access ) and pin, when I did this it all went through, automated service gave me details of my account which none should've been open and said that my card was locked due to too many incorrect pin attempts. I'm very upset seems that even going to the branch yrs ago and closing my account in person it wasn't done properly and I also wasn't able to get a letter stating I had identity theft so I can mail out to my creditors as well. Today when I spoke to the bank representative XXXX over the phone, I explained I needed that letter from the bank, and he said all I can get from them is that my account was closed. I know that letter will never be accepted by creditors, what they want is identity theft proof and I need help. I just updated my mailing address on file with the bank as well and was told I needed to wait 14 days in order for my address to be updated and to call back again to get only an account closure letter. They have been doing this to me for many yrs and going into the Branch I was denied one as well. I'm tired of the runaround and lies instead of helping their customers and be responsible when things like this occur. I want to dispute items in my credit and can't even do that. Please help me find a solution, it will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
This is a follow to XXXX. 

I received a call today from someone at Chase and when they called, they informed me that the call would be recorded. At that time I told them I wanted to record the call on my end as well. They made it clear that they did not approve of me recording. At that point, I told them we had nothing to discuss. 

In my opinion, the situation has gotten totally out of hand. This company needs to stop harassing me and clear my records from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: IN

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 2024-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I was charged {$900.00} in XXXX XXXX  for interest on a promo code purchase.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: ME

Complaint narrative:
My account went into collection with XXXX XXXX. A USB representative informed me that XXXX XXXX was working directly for USB. I settled the account with XXXX XXXX, and provided payment in full on XX/XX/21. Despite my repeated letters, e-mails, phone calls, documentation, proof, and disputes, XXXX refuses to correct the information it is providing to the credit bureau agencies.

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 2024-01-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Sometime in XXXX XXXX XXXX someone opened up a business credit card for my company using my partner and I 's name. 

We found out about this when the frauder stopped making payments on the account and our credit reports showed a charged off card. 

We then contacted Chase Executive phone number and advised them of this problem. They told me to file a police report along with an identity theft affidavit for my partner and I. 

We both filled the police report and identity theft affidavit and sent it to chase. Shortly after, maybe in XXXX XXXX XXXX, chase gave us back a call saying they received the paperwork and have deleted the account and marked it as fraud. 

We havnt heard from them since up until 2-3 weeks ago, when we received a letter for a settlement offer. 

This is a joke and this was supposed to be removed and deleted as advised about 4-5 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got a CapitalOne Credit Card about a month ago with an annual fee of {$390.00}. I then booked 4 nights of hotels in XXXX, Nevada from CapitalOne XXXX. The room rate per night is $ XXXXoom which totals to {$400.00}. The " taxes and fees '' charged on the room as seen in the itemized receipt is {$260.00}. I called CapitalOne XXXX to understand the break up of " Taxes and Fees '' and they said they can not offer any more details than the {$260.00} amount. Also, they said, there are no booking fees and this it is only sales tax. The hotel sales tax in the state of Nevada is only 13.5 %. However, what I have been charged is around 66.38 % tax. ( ie $ XXXX $ XXXX ). Clearly, CapitalOne is doing something wrong and need to provide the information requested. 

I believe it is a fiduciary and a legal responsibility of CapitalOne to offer me a breakup of taxes it is charging me. Failing to do so is a classic act of tax fraud for which CapitalOne should be held responsible. 

I am not the only person who has faced this problem. There are countless cases listed on the internet where CapitalOne has failed to offer a proper explanation of taxes and fees it charges for booking done through CapitalOne XXXX. I would appreciate if CFBP takes up this issues and investigates further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 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: IL

Complaint narrative:
Ask company to fix consumer 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 non-monetary relief
Consumer complaint received 2024-01-25 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX  they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being XXXX XXXX accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: DC

Complaint narrative:
I had a credit card debt with XXXX XXXX XXXX that went into default for XXXX, the account went into collection and was bought by XXXX XXXX XXXX, XXXX, then Halsted brought the debt for the same amount. Halsted sent me an compromise offer to settle the debt for {$320.00} to which I accepted and paid off. 

My account with Halsted # XXXX again was settled, I contacted them to make sure that they would contact all Credit Reporting Companies as this debt being settled and paid in full and have my a credit file updated as out of collections. 

Halsted looks like they only reported the XXXX and still leaving a balance on my report as outstanding, as I understood it that the offer would settle my debt and paid in full but it does not appeared that has happened. I contacted XXXX on XX/XX/ to open a dispute to contact Halsted to update this as paid and satisfied. 

On XXXX  I contacted Halsted Customer Service ( XXXX ) to get information that they would be contacted the credit reporting agencies to update this account as paid, Halsted informed me that they had no information or could not give me information regarding the status. 

If they bought the debt for XXXX and offered me a settlement of XXXX and I paid that offer I should not have this reporting on my credit file, otherwise I feel like this company did a bait and switch. 

I'm waiting for XXXX to finalize their inquired to my dispute of this, but wanted to also file a compliant with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
I lived in a student apartment from XXXX XXXX XXXX I lived in the unit with my sister and XXXX other girls that I didnt previously know. My sister and moved out on XXXX XXXX because our lease ended on the XXXX. The XXXX other girls left a lot of their personal belongings behind, including a vacuum, blankets, and all of their food in the fridge and the cabinets, and did NOT clean the common space we all shared, which was the kitchen and living room. My sister and I cleaned the kitchen floors and wiped the counters and cleaned out the section of the fridge we used. They hadnt been in the unit all summer, so we didnt know if they had officially moved out or not, but we also did not feel like it was our responsibility to clean up after them and discard of their items. We got move out statements in XXXX, and saw that we were being charged for cleaning and painting. The cleaning was due to our roommates items being left behind. The complex also said there was chipped paint, which is normal wear and tear. I sent a text message to the girls trying to figure out what was going on, but no one responded. Under Texas Law, landlords can not charge tenants for normal wear and tear, and chipped paint falls under that category. The pictures they sent do not show any severe damage, nor do they justify the charges. We didnt no anything to cause the paint to chip, thats what normally happens after time. They refuse to justify why theyre charging absurd amounts for painting and cleaning. They wrote that the unit needed heavy cleaning but nothing in the pictures shows that the unit was THAT dirty. My sister and I spent XXXX hours mopping and wiping everything down before we left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
A freeze was initiated in XXXX, and I have reached out via mail, phone, and online via my Equifax account in attempts to have the freeze lifted. XXXX and XXXX lifted their respected freezes on my credit report and information, and yet Equifax refuses to do so, and refuses to take my requests seriously- regardless of the fact that I have sent proof of my identity via mail ( as requested ) XXXX or XXXX times between XXXX and present XXXX. This issue requires immediate attention from Equifax 's legal department. 
The inability of the Equifax team to release the hold/freeze on my credit information has resulted in significant negative impacts on my ability to secure loans, obtain credit cards, and achieve financial stability. As identified above, I have made numerous attempts to rectify this issue through the standard dispute process, but the responses and actions taken by Equifax have been insufficient and ineffective. As a result, I am now seeking legal intervention to ensure that my credit report is released, accurate and reflective of my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being XXXX XXXX accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-01-25 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being XXXX XXXX accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-01-25 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: GA

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Triton Recovery Group
State: NY

Complaint narrative:
On XX/XX/23, I sent a cease and desist notarized letter to this company via Overnight service, who is attempting to collect an alleged debt for XXXX XXXX XXXX. Triton Recovery are in violation of several federal regulations, including the Code of Federal Regulations ( CFR ), the United States Code ( USC ), and the Uniform Commercial Code ( UCC ). As a living, federally protected consumer and investor, I am aware of my rights under the aforementioned codes, and I am exercising those rights by refusing their demand for payment. This company have collection practices that have not adhered to the regulations set forth in the CFR, USC, and UCC which are designed to protect consumers from unfair debt collection practices, specifically UCC Section 3-307. I'm keeping thorough records of all correspondence and interactions related to this matter and will not hesitate to seek legal recourse. 

For more details regarding this matter please see attached

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