vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
On XX/XX/2022 I signed a fraudulent contract with XXXX XXXX account number # XXXX at the amount financed of XXXX at 29.97 % with a finance charge of {$1900.00} which equals a sum of {$4900.00} according to exhibit A and payments where set at XXXX per monthly occurrence of 42 months according to this contract. I have found mistakes within the contract which has some consistency of some type of fraudulent acts and contrary to this XXXX XXXX is reporting negative remarks on my consumer report see exhibit B which dates on payments are inaccurate see exhibit C this is another mistake. XXXX XXXX is abusing interest rates deliberately on loan agreement just to have the consumer over pay which is fraud see this example of A true finance schedule see exhibit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
MERCHANTS CREDI/ XXXX # # # # # # XXXX CHARGE OFF is illegally accusing me of owing them {$1000.00} this account/debt was written off/canceled by the original party and sold to Merchants credit guide for a profit. I never had an agreement with Merchants credit guide. I also never recieved a 1099c form after the account was canceled by the original parties. By law, any debt canceled by the party is now considered INCOME. After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. I NEVER RECEIVED THE 1099C EVEN THOUGH THE ORIGINAL CREDITOR HAS FILED TAXES ON THIS ACCOUNT AS A LOST AND COLLECTED COMPENSATION FROM MERCHANT CREDIT GUIDE TO RELEASE THE ACCOUNT. THAT IS ILLEGAL AND I WILL FILE CHARGES IF THIS ACCOUNT IS NOT REMOVED FROM MY CONSUMER REPORT. INCOME IS NOT APART OF A CONSUMER REPORT. I HAVE THE RIGHT TO CLAIM THIS ACCOUNT AS INCOME.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I recently pull my consumer disclosure report and found an additional inquires that I have never made or authorized at. I attempted to call in to dispute this claim, but the customer service was did not want to help me, so I am submitting my claim through the cfpb. Please remove this inquries off my consumer disclosure report immediately! I have no association with these inquires, and it should not be reporting. I want to make an additonal dispute please dont close my previous dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I noticed that I wasnt able to get into my mobile app of my bank Citi Bank, around the last week of XXXX, estimated around the XXXX of XX/XX/2023. I called and a representative informed me that the dispute team department for some reason blocked my account but it doesnt say why. The representative had me on hold for almost an hour and he would check on me to keep me informed whats going on. 

The representative informed me that someone from the fraud team will give me a call in a couple of days. I didnt noticed a call on my end for a couple of days so I called and was told that my account will be closed. I asked why was my account closing and was inform by a different representative that he couldnt give me the information. I request to speak to a supervisor and the supervisor told me the same thing and mentioned about receiving a letter explaining why and hung up on me while in the middle of conversation. 

I received the letter in XX/XX/2023 but it didnt explain to me why my account was closing. I called on XX/XX/2023 and was informed by a different representative that I will be receiving another letter why my account was closing and the funds that was in my account will be be in a form of a check, which didnt make sense to me. 

Since the closing my account I have been struggling financially with paying my bills and this situation has caused me to be in a financial crisis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please Im trying to dispute this because Ive already contacted the collection agency on XX/XX/ at XXXX and I called them again on XX/XX/ at XXXX and they told me theyre still working on it, so I called again on XX/XX/ so they put me on hold for two hours and what they told me was they telling me they cant do it because it being verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, 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:
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.

The letters are stated with items and issues.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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.

The letters are stated with items and issues.

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NY

Complaint narrative:
I received a promotion that stated : Pay at least one insurance bill with your XXXX XXXX XXXX XXXX XXXX by XX/XX/XXXX to earn a one-time offer of XXXX Reward Points I paid a statefarm bill on XX/XX/XXXX in the amount of XXXX  The terms state within 2-3 billing cycles but the promotional points have not posted. 

The company responded citing a " recurring bill pay promotion '' which was a separate and distinct promotion from the Insurance bill payment promotion. I am stilled owed the XXXX points. 

I have attached their response which incorrectly cites the wrong promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/2023, I made a bill payment from my XXXX checking account to my Truist checking account in the amount of {$250.00}. {$250.00} was deducted from XXXX XXXX to Triust online no XXXX. After many calls and in-person visits to Truist they can not locate this bill pay amount. I verified with both banks that I used the correct routing and checking account number for Truist. So now, {$250.00} has been deducted from my XXXX checking account but never showed up in my Truist checking 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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
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 has violated my rights. 

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 an 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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
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 has violated my rights. 

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 an 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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX  and Capital One has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USc 1681 section 604a section 2 also states that consumer reporter agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat payment on a credit card under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear, Equifax I had some unauthorized inquires you refuse to put them in dispute, I tried calling over the phone, and sending in a cfpb complaint nothing seems to work. Once again please investigate and remove these unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have unconfirmed inquiry lacking certifiable evidence I would like them to be removed please. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023, I deposited a check from my homeowner 's insurance company into my Truist checking account. The check was deposited via the Truist app and was from XXXX XXXX Bank. On XX/XX/XXXX I received a message from Truist stating that a " hold '' had been placed on the check until XX/XX/XXXX. The only explanation I was given was " questionable collectability. For nearly three weeks, I have been trying to obtain a reasonable explanation for what was " questionable. '' I have spoken with XXXX call center employees and supervisors, my local branch manager, area manager, and have now escalated the issue further. To date, Truist has offered only excuses, corporate rhetoric, stonewalling, and lies. The most recent example of the bank 's refusal to answer a simple question was a response allegedly from their fraud department stating, " It's confidential. '' That's just 'bank speak ' for we're not going to tell you because we have something to hide. Truist 's antics have cost me a considerable amount of time, delayed important work on my house, and been a true exercise in frustration. It's a simple question : What was wrong with the check, and why in XXXX  with all of the banking technology available did it take TEN DAYS to figure it out? And why is the best answer Truist can provide " it's confidential? ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I SENT CERTIFIED MAIL WITH PROOF OF ADDRESS AND ID THEY REFUSE TO INVESTGATE PROPERLY AND DELETE! A UNVERIFIED ACCOUNT THAT FROM PREVIOUS COMPLAINT THAT WAS DELETED FROM MY REPORT WAS SOLD PROOF HAS BEEN UPLOADED SOMETHING NEEDS TO BE DONE THIS IS ILLEGAL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I did not consent to authorize nor benefit from these account ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account capital one, has violated my rights. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: MD

Complaint narrative:
I have initiated a transaction in the XXXX XXXX money transfer service to transfer money from my bank account at Bank XXXX XXXX to my XXXX XXXX Bank account. I made an entry by mistake on the amount ; instead of XXXX, I typed XXXX, which is way above the daily limit in XXXX. The app did not warn me about sending above the daily limit ; rather, they said they needed additional documents to confirm the address. I uploaded the needed document. I thought XXXX might have some additional document requests because my address had changed. Anyway, XXXX processed the transaction after uploading the document. and they have completed the transaction immediately and sent the money to my XXXX account. 
I realized that I had entered the wrong date when I saw my Bank XXXX XXXX checking account go overdrawn. Now my XXXX account is negative. and I contacted XXXX to stop the transaction, but they said they couldn't. and I talked to XXXX to pull back the money they couldn't. 
Now I am in a position to come up with XXXX K out of thin air. I don't understand why there's no protection mechanism. 

1 ) XXXX did not warn me properly that I was sending a lot more than the usual daily limit. 
2 ) They didn't give any warning, even though they saw a very high amount compared to my previous treatment. 
3 ) Bank XXXX XXXX approved the transfer even though they knew it was way above my balance. 
4 ), and no company has a way to reverse these actions, putting the customer in deep trouble. 
5 ) If this was a fraud transaction, the customer would still have lost the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Hello. Please refer to previously submitted complaint ID XXXX. Affirm responded with the following : If you are in need of a modification in the future, you may follow this link and apply to see what options are available to you : XXXX XXXX XXXX However, this website does not work and has not worked when I came across it months ago and reattempted just moments ago ( please see attachment ). Their response is misleading as a veiled approach as if they have a financial hardship policy for their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to file a formal complaint against Experian regarding inaccurate information on my credit report. Despite my previous communication with Experian on XX/XX/XXXX, they have failed to respond or address the following incorrect information : XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} ) - This account does not belong to me, and I request its immediate removal from my credit report. 

XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} ) - I have no association with this account, and I request its prompt removal from my credit report. 

XXXX XXXXXXXX XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} ) - I am not responsible for this account, and I request its expeditious removal from my credit 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 explanation