vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Original order XX/XX/XXXX Ordered a bottle of perfume.Some bras a skirt and cargo shorts. When the order came, they had canceled the perfume. They did not send the bras, said they were on back. Order the skirt and cargo shorts didn't fit? I paid {$10.00} to have them returned. I canceled the bras This was on XX/XX/XXXX I reordered the bottle of perfume. The price was XXXX This is the only charge I ever put on XXXX XXXX credit card. Every month they were the first bill on the first of the month that I would attempt to pay. I would give them a payment online. They would give me a confirmation number. Say thank you for your payment confirmation. And then XXXX weeks later, they would send me a notice saying my payment was recharged and what another payment. I've never had this problem with any other bill. They kept doing this over and over. I gave them on XX/XX/XXXX XXXX XXXX paid directly to comitity bank XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I only ever charged {$65.00} on that card. I have more than paid that money enough every month. They would tell me that their payment had been returned. They even had me going to the Post Office to get a money order to send them my payment. I'm done sending them money. My original balance was never XXXX XXXX.My credit limit was XXXX XXXX.My balance was never above XXXX for XXXX bottle of perfume!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX Funding, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX : Debt Validation Request for Account # [ XXXX ] Dear Sir/Madam, I am writing regarding an alleged debt you claim I owe, associated with the account referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt to ensure its accuracy and legitimacy.

Please provide me with the following information : 1. Validation of Debt : The total amount of the debt, including a detailed breakdown of all fees, interest, and charges.

The name of the original creditor and their contact information. 
A copy of the original agreement or contract that establishes my obligation to pay the alleged debt. 
XXXX. Proof of Ownership : Documentation showing that LVNV Funding, LLC has been assigned or legally owns the debt. 
A chain of custody or proof of transfer of ownership from XXXX XXXX XXXX XXXX to your company. 
XXXX. Verification of My Responsibility : Documentation proving that I am the individual responsible for this alleged debt.

This letter is not a refusal to pay but a request for validation. Please note that under the FDCPA, you are required to cease all collection activities until the requested information has been provided. Additionally, I request that you refrain from reporting this alleged debt to any credit reporting agencies while it remains unvalidated. 

Failure to provide the requested documentation will result in me disputing the debt and filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant agencies. 

I expect your timely response to this request, as required by law, within 30 days of receipt of this letter. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submtted written requests with all XXXX  credit bureaus regarding two addresses I have never lived at. There was never any update and when I spoke to the representatives, they all said that they can no longer investigate and or remove

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MS

Complaint narrative:
15 USC 1681 my information has been exposed in the data breach. And I would like my information to be deleted.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
I reported to the company that this vehicle was stolen and I stop making payments on it because it was no longer in my possession.I also provided the company with the police report number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2024-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: CT

Complaint narrative:
My car was repossessed with all my property and I was unable to get them. I was then contacted by Exeter Finance to tell me my car was sold and I owe the remaining balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: OH

Complaint narrative:
My identity was stolen, along with taking money from my bank account multiple inquiries were ran on my credit. 

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 XXXXXX/XX/year>

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This is in response to a response from Citi cards. 
case # XXXX & XXXX I have attached there response. 
I need to further state I have never signed up or agreed to any type of promotion from them. I never revied any terms regarding such a promotion, or anything like that. 
Is there any type of balance on this. when does this supposed fraud end? 
I insist. I never would agree to such terms. 

XXXX XXXX XXXX XXXX offer. These are fraudulent companies. 
Any interest charges should be from and added to interest i owe to citi. not to these fraudulent companies. 
i am in contact with my attorney. where should he send correspondence?

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America charged me overdraft fees on balance that I had already paid on and once a smaller amount came in to my account which they couldnt apply the overdraft fee to they took a rearrange the balance so it could be applied to the higher amount which was already paid for. I have proof of payment for the transactions.

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 2024-12-31 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: American Financial Network Inc.
State: CT

Complaint narrative:
XXXXXXXX XXXX  also known as American Financial Network allowed an account to be put into my name fraudulently which has damaged my credit. Before getting into compensation, I want to first and foremost have all of the credit reporting and especially all of the negative credit reporting immediately removed and blocked from the credit bureaus.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: OPTUM BANK, INC.
State: OH

Complaint narrative:
My employer recently switched from XXXX XXXX to XXXX to provide payroll and benefits services. However, I have run into a serious problem with the new provider. 

When I onboarded with XXXX, they provided an option with respect to XXXX contributions. The employee could elect to open a new custodial account with them OR the employee could designate a qualified custodial account into which the deducted XXXX amounts were deposited on each pay date. Since I have had an established XXXX account for many years through a local bank, I opted to use the existing account. There have never been any fees assessed on this bank account and life has been good. 

The new provider, XXXX, does not offer the option of using an existing custodial account and requires that a new account be established through them with Optum Financial. This account is heavily burdened with fees. I am really not interested in opening and keeping records for a new account that I dont need or want. And I certainly dont want to pay fees on top of the extra hassle. But I also would like to avail myself of the tax benefits afforded to XXXX contributions. The XXXX position does not feel legitimate to me as the right to an XXXX comes from the federal government, not from the payroll processing vendor. It is almost like them charging a fee for withholding all the other payroll deductions. They are already being paid by my employer for payroll processing but they seem to feel it is fine for them to create a new profit center for themselves based on XXXX contributions, one that provides no benefit to the employee. I know it isnt right but the question is whether they can get away with it? 

My understanding is that if I waive the XXXX contribution through payroll, I can still make a personal contribution to my existing XXXX  account. This would seem to be the only option for me to avoid the XXXX XXXX  scam. This will still provide a benefit to me for federal taxation. However, both I and my employer will lose the benefits related to other payroll taxes if the deduction is not made through payroll. 

Is it permissible that XXXX can manipulate me into forfeiting benefits that the federal government has provided to me or pay their fees in order to obtain said benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I did not authorize the Zelle transaction from my XXXX XXXX  account. I contacted XXXX  fraud department. They claim I did authorize it and there is no recourse. The same thing happened with money gram. I have never used either of these services before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: AZ

Complaint narrative:
I requested a {$1000.00} loan on XX/XX/XXXX on the website it showed 24 % -36 % interest rate on every paycheck they take {$260.00} dollars from every paycheck I get payed biweekly. On XX/XX/XXXX I called the company and ask how much I owe to finish the loan they said my loan will finish on XX/XX/XXXX or pay them {$1100.00} to finish I downloaded the payment it shows XXXX  % interest rate or pay XXXX. 
I feel like Im getting scam hard the guy on the phone sounded like a scam with difficulty with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I receive a letter from a company by the name of On Line Information Services addressed to a XXXX XXXX at my home address stating XXXX XXXX owes a debt to a utility company by the name of XXXX XXXX in the amount of XXXX as of XX/XX/year>. 

My name is not XXXX XXXX and I have never had an account with XXXX XXXX and they are mailing this to my current home address. I told them I am not XXXX XXXX and I have never had an account with XXXX XXXX and never heard of them and had no need for utilities as I had utility service already through another utility provider. 

I called them on XX/XX/year> and speak with a live representative as they want to verify that my name is XXXX XXXX and it is not. The representative hung up on me as I was trying to give her the information form the letter said unless I verify my name with them they would not talk with me and they mentioned it is not on my credit report because of the address does not match?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
After opening a checking account with Citibank on XX/XX/year>, I deposited {$3000.00} on the same day. On XX/XX/year>, I transferred {$3000.00} from my Citibank account to my XXXX account. Shortly afterward, my Citibank account was suddenly blocked, and I have been unable to access it since. Unaware that my account had been blocked, I deposited an additional {$3000.00} into the account. 

I have contacted Citibank multiple times via email and phone ( Citi XXXX XXXX : XXXX ), but the issue remains unresolved. They are still holding {$3000.00} in my account. 

Account Number : XXXX Account Name : XXXX XXXX Debit Card Last XXXX Digits : 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My information was exposed in a data breach. These items below are on my credit report and need to be removed in XXXX days. 

Closed 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 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 2024-12-31 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: MS

Complaint narrative:
15 USC 1681 my information has been exposed in the data breach. And I would like my information to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MS

Complaint narrative:
15 USC 1681 my information has been exposed in the data breach. And I would like my information to be deleted.

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: IL

Complaint narrative:
Money was XXXX or XXXX from XXXX XX/XX/XXXXXXXX where I received my Direct Deposit Payroll, to XXXX XXXX XXXX XXXX XX/XX/XXXX 
The intent was to buy some shares of XXXX, since they are a Stock/Trading company. 
My deposit is not there. They can't find it. 
Initially I was given an availability date of XX/XX/XXXX then 2 days later it was changed to XX/XX/XXXX, which I clutched my pearls, and thought that was kinda a long time to hold one 's funds! : ( Why did the dates change twice, & now my funds are " stuck '' somewhere, waiting to be processed!? 
Chime says the didn't receive the REJECTED funds back yet that XXXX admitted to rejecting. I talked to a Gentleman named XXXX at XXXX who explained this unfortunate latest update to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
For several years I have had numerous XXXX  companies trying to sue me for back rent. I have lived in the same house with my parents since I was a child until after I graduated college. I have tried to dispute numerous time but with no avail - after learning about the XXXX XXXX breach that occurred some years ago I now believe I may have been a victim of this breach. Per Section 6 0 5b this account should be removed within XXXX days

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