vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
paid balance in full XX/XX/2023 including charged late fee. Comenity proceeded to charge interest and late fees for 6 months on nothing but the interest on late fees. Called and closed on XX/XX/2023. Comenity refused to address the situation and reverse all late fees and interest on the late fees which shouldn't have been incurred due to the balance already paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX {$790.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: CO

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681Section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166b : 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 2023-08-31 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: KY

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681Section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166b : 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 2023-08-31 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: MD

Complaint narrative:
On XX/XX/23 # XXXX, i put in my first complaint through CFPB to Transunion, They did not record current status of of disputed information and the reinvestigation took longer than 30 days. According to 15 USC 1681i! THEY LAW IS THE LAW AND THEY BROKE THE LAW!! THOSE ARE TWO VIOLATIONS! I put in another complaint on XX/XX/23 # XXXX letting them know that they took 30 days and that no record of the items being disputed was recorded. They chose to keep playing games and say they are still working on it and say som disputed take 60 days. again the law is the law! According to the law you only get 30 days for investagations and a extra 15 days which makes 45 if i give new information during the time of the investigation which is not the case. They claim that even though on my end i can't see that my disputed were being record they can see it on there end, it does not state that that is ok in any law dealing with USC CODES EVERYTHING IS SUPPOSE TO BE CLEAR AND CONSPICUOUS AND IN A REASONABLY UNDERSTANDABLE FORM! They did not reply until XX/XX/23 that is well past 30 days and on my online account under where the disputed claims are it only shows on dispute and that is from XX/XX/23 which is a different disputed and again my disputed should show old disputed and active disputed the fact that only one is showing further proves my point that no record of my disputed was show or available to me. it showed that when i first put disputed in and it still shows that i only had one disputed open even if that was a technical error on there end that is their problem not mine and it still a violation my rights. By law the account that were originally disputed MUST BE DELTED AND I SHALL RECEIVE {$1000.00} FOR EACH OF THE LAWS/VIOLATIONS THAT WERE BROKE! If not a FTC REPORT WILL BE FILED FOR CONTINUING TO KEEP ITEMS ON MY REPORT IS FRUAD AND IDENTY THEFT AND XXXX  WILL BE CONTACTED AND Arbitration will be filed DO NOT XXXX PLAY WITH ME I KNOW MY RIGHTS IM TIRED OF PLAYING GAMES!

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 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Ok I deposited a check that I got from an accident I was involved into my father in law account cause I didn't have any account under my name, I was XXXX, then the check went thru but few days after that they close his account and hold that funds, they told me they need to verify my identity but refuse to accept a social security or any ID they just verify this thru a phone line which I git I opened a phone line with my social and ID and they still.saud they can't verify me I called at least 20 times asking them for any advice on what to do I did all they asked me to do and still it makes no sense why I can't get my money back pleas help me resolve this I had no parents and my father in law was the only one helping me thru this I don't wan na mess him up he is so nice to me and now he's in a hole cause they hold these funds from his own monwy... thanks everybody ... i am XXXX the account the funds are on hold are on my father in law name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: TX

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 2023-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023 I received a call from a number that was related to a Chase mortgage facility. I confirmed my name but did not give any information. I clicked the moment I realized it was a scam call. After the call I got an email stating that my debit card was added to an XXXX XXXX. I immediately locked my card and went straight to the bank to get rid of it and order a new one. I took a look at my checking account and didnt see anything suspicious. Later that day, something told me to check my savings account ( all within the same bank, Chase ) and there it was, {$600.00} robbed from my savings. Whoever did this took {$200.00} from my local bank atm and then another {$400.00} from another atm. Thats when I called to make my claim. The department issued a temporarily refund until further notice. About a week they told me they denied my claim because whoever did this was successful on one attempt. Well of course they are going to be able to use any atm successfully after having compromised my XXXX XXXX. It literally states in the guidelines of XXXX XXXX that you can use any atm. I do NOT think this was fair for Chase to deny my claim because I have been a customer with them for years and not a single time have I ever claimed an unauthorized transaction until now. After being told my claim was denied is when I decided to file the police report because I thought my bank would of supported my accusation, my fault apparently. I am currently faxing any documents that will support that this was not a transaction made by myself. I have work documents and work footage that will show I was at neither one of these atms the date and time these transactions were made in hopes I can have my money returned. Any additional help is highly appreciated at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I received a letter in the mail that I had opened a checking account in my name. I did try to contact the fraud department and the lady acted like she couldnt hear me. I did not open this account and need it closed immediately. I am pursuing identity theft protection and legal actions. And my credit report had to be accessed as well as XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: LA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Removal, I strongly believe that transunion, XXXX and XXXX has violated my privacy In accordance to the Fair Credit Reporting Act, this Creditor has violated my rights. Under 15USC 1681 section 602 states I have a right to privacy.15 USC 1681 section 604A 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 and 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 non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
Last year before the Biden student loan relief plan had been announced, I made a payment of $ XXXX to EdFinancial. After the news of the Biden plan came out I requested a refund for those $ XXXX. I never got the refund, but my loan balance went up to the original amount. I have contacted Edfinancial by email multiple times and they say they are looking into it. Loan repayment starts soon and I still " owe '' the original amount. I have evidence of the payment I made, as well as evidence of EdFinancial acknowledging my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit 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: CA

Complaint narrative:
I applied for a a Union Bank XXXX credit card that was 0 % interest rate for 18 billing cycles. My first billing cycle was XX/XX/2022. Union bank then got acquired by US Bank. I received the card and this billing cycle, I received my statement that I was charged interest. It has only been 13 billing cycles. I called US Bank and the representative told me that interest rates are variable and they are allowed to change terms whenever they want. They also told me I had no recourse.

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 2023-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vanguard Financial Services, Inc.
State: OH

Complaint narrative:
The company has never reached out about any debt. The so called company put a debt on my credit report. I have no way to reach the company as it does not exist and is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: FL

Complaint narrative:
This is my 2ND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX  I spoke with a phone representative of Nelnet, who assured me I would receive paper statements in the mail, and that those statements would require a delivery time of 6-8 weeks. 

At that same time, I requested payment history from my previous servicer, Great Lakes. The response I got from the phone representative was that they " were waiting on that info from Great Lakes ''. 

After sending a follow-up email, I received an automated response about longer than usual wait times, but nothing concrete. 

It has now been over 8 weeks and I have not received any written correspondence from Nelnet, nor have I received any notification of an extended wait time. 

Additionally, on XX/XX/XXXX  I sat on the line for over an hour. The automated voice at XXXX told me wait times were 59 minutes. One hour later at XXXX, wait times were still 59 minutes. 

I suspect this servicer is intentionally under-hiring and under-serving so that interest can accrue before people can enter into repayment plans, receive all relevant documentation, or enter forbearance through other means. 

Don't worry, that didn't stop them from accepting my payment of {$11000.00} on XX/XX/. They made sure at least that part worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: OH

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 but not limited to 15 USC 1681, 15 USC 1611, and 15 USC 1605. XXXX Accounts # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt is reporting correctly. 15 U.S.C 1611. States youre supposed to be notified of all signing information. 15 U.S.C 1605. States a finance charge is supposed to be a sum of all charges.

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 2023-08-31 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: CA

Complaint narrative:
This is my fourth XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$460.00} XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation