vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
INTEREST CHARGE ON PURCHASES Posted Amount {$330.00} Posted Date XX/XX/XXXX INTEREST CHARGE ON PURCHASES Posted Amount {$42.00} Posted Date XX/XX/XXXX INTEREST CHARGE ON PURCHASES Posted Amount {$970.00} Posted Date XX/XX/XXXX INTEREST CHARGE ON PURCHASES Posted Amount {$77.00} Posted Date XX/XX/XXXX I am writing to express my frustration regarding the payment terms and interest charges on my card. When I initially inquired about making purchases, the sales agent at XXXX XXXX informed me that my overall monthly payment would be {$120.00}. I specifically asked if this amount covered all expenses to avoid incurring any interest, and I was assured that it did and that the payment I make each month will be applied to my older balance. Since then, I and have been making automatic payments of {$200.00} per month. 

Unfortunately, due to personal issues, I was unable to regularly check my statements or account. To my surprise, I recently discovered that significant interest charges have been added to my account from XXXX to date. 

Upon contacting the company for an explanation, I was dissatisfied with the response received. I informed them what the sales representative told me and I was told that " I am sorry for any miscommunication, the payments first goes to the higher balance of any promotions, The customers ' needs to contact us to get the payment allocated to the specific promotion. '' I was not told this by the sales representative and I was not aware I had to do this. I then requested that the interest charges be waived, but was informed that this was not possible. Additionally, when I asked about setting up a payment plan, I was told that it was not an option. Instead, I was informed that I must pay {$1500.00} to bring my account up to date and avoid further interest charges. 

As a long-standing customer, I feel deceived and cheated. I have never encountered payment issues in the past, and I believe that my lack of understanding regarding the promotions and the misinformation or lack of more information provided by a sales representative when I continued making purchases has led to this unfortunate situation. 

I am reaching out in the hope that you can intervene and assist in resolving this matter. Unfortunately, I do not have the means to pay the full amount required to bring my account up to date. I sincerely request your understanding and support in finding a fair resolution. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> Cashapp allowed an transaction for {$150.00}, I reached out to Cashapp to dispute the transaction, they denied it stating they recieved proof that I made the transaction. Now I received notification from Cashapp asking if it was me making this purchase, I denied it, they still approved the purchase. I reached out the company and they told me to dispute the transaction with my bank. This is not the first time Cashapp is allowing transaction after I declined that it's not me making the purchase. There is someone name XXXX that has taken many {$30.00} out my account and I dispute and Cashapp allow the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX J # XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX XXXX Charge Off account that was previously reported on my credit report on Transunion. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights. 
I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance. 
Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.

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 2025-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
The debt collections agency Eastern Account Systems. Is a fake collection agency. If you look at the reviews there are warnings. They keep calling me saying that I owe {$61.00} for an unpaid internet bill that i confirmed with the internet provider that I do not owe anything to them. Yet the eastern account systems keep calling telling me I owe and theyre getting more and more convincing and they wont stop calling. They wont provide me with any information other than the address of the place I dont live at anymore and the amount that is owed they are scammers. The whole company needs to be looked into and shut down so this doesnt happen to anyone else who doesnt do their homework. Its fraud and its need to be resolved. These are real people getting scammed and it could ruin someones life.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: GA

Complaint narrative:
Hello. I had a secure credit card with XXXX. I attempted to close my account more than once and learned that it hadnt been closed and when I paid the balance and asked for it to be closed it continued to accrue interest and late fees now totaling {$260.00}. CSR I spoke with didnt close my account as requested. I paid the balance of {$270.00} on XXXX XXXX and asked them to close my account. I spoke to a Supervisor, XXXX on XXXX XXXX and asked them to clear the late fees and interest accrued after I requested the account be closed. I was told they could take off {$41.00}! I told them that was unacceptable and now I am filing a complaint with the CFPB to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
On XX/XX/year> and XX/XX/year>, I submitted a inquiry to the XXXX XXXX executive team to inquire why my accounts ( XXXX XXXX and a XXXX XXXXXXXX ) were closed without warning from their company. 

I had previously called this company prior to the account closing to indicate that the payment account that I used had been hacked and he money removed. I was told I would be contacted and instead upon logging on I saw that my account was closed without warning. I never received anything in writing from this company and even after I submitted the emails, they called me and refused to provide me with anything in writing. 

Since fraud was committed on my account and was reported to them when the accounts were opened, these accounts both need to be removed without haste from my credit report. Additionally, they can not sell these to other companies to collect the debt. 

This entire thing has been handled maliciously especially when I reported the fraud and hacking as soon as I was made aware. This company did not do their due diligence in resolving the issue and providing me with anything in writing as I repeatedly requested.

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 2025-01-30 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: NC

Complaint narrative:
On XX/XX/2023 and XX/XX/2023, I submitted a inquiry to the XXXX XXXX executive team to inquire why my accounts ( XXXX XXXX and a XXXX XXXX ) were closed without warning from their company. 

I had previously called this company prior to the account closing to indicate that the payment account that I used had been hacked and he money removed. I was told I would be contacted and instead upon logging on I saw that my account was closed without warning. I never received anything in writing from this company and even after I submitted the emails, they called me and refused to provide me with anything in writing. 

Since fraud was committed on my account and was reported to them when the accounts were opened, these accounts both need to be removed without haste from my credit report. Additionally, they can not sell these to other companies to collect the debt. 

This entire thing has been handled maliciously especially when I reported the fraud and hacking as soon as I was made aware. This company did not do their due diligence in resolving the issue and providing me with anything in writing as I repeatedly requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year> and XX/XX/year>, I submitted a inquiry to the XXXX XXXX executive team to inquire why my accounts ( XXXX XXXX and a XXXX XXXXXXXX ) were closed without warning from their company. 

I had previously called this company prior to the account closing to indicate that the payment account that I used had been hacked and he money removed. I was told I would be contacted and instead upon logging on I saw that my account was closed without warning. I never received anything in writing from this company and even after I submitted the emails, they called me and refused to provide me with anything in writing. 

Since fraud was committed on my account and was reported to them when the accounts were opened, these accounts both need to be removed without haste from my credit report. Additionally, they can not sell these to other companies to collect the debt. 

This entire thing has been handled maliciously especially when I reported the fraud and hacking as soon as I was made aware. This company did not do their due diligence in resolving the issue and providing me with anything in writing as I repeatedly requested.

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 2025-01-30 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-01-30 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: 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. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-01-30 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: 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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-01-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been a victim of identity theft this is why all of a sudden there are 1 million inquiries, but they're not from me. I've reached out to each and every one of these banks they're aware of the fraudulent activities, but they said that it was up to the credit union to remove the inquiries. That you would reach out to the bank, and they will confirm that they were fraudulent and all of these inquiries below would be removed from my credit report and I know what you're gon na say. These were reported to you yes by criminals who were trying to open credit accounts without my permission, but these are not my credit inquiries I didn't apply for any of these cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My name is XXXX XXXX . That is my only name. Any other variation of my name was submitted to the credit bureaus fraudulently to attempt to open lines of credit without my permission. XXXX XXXX is the only name that should be listed on my credit report nothing else. All other names all other combinations or versions of my name should be deleted and again I know somebody reported them to you. That was the criminal who was trying to open illegal credit cards fraudulently please remove all of the versions except for XXXX XXXX. 

For the past 27 years I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX before that I was still living at home in XXXX. XXXX XXXX XXXX XXXX is my home address and the only address that should be listed on my credit report. Any other address was submitted to you fraudulently. I was a victim of identity theft, and all other addresses were being used in the attempt to open lines of credit without my permission All other addresses except for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX should be. Removed immediately as fraudulent feel free to check with my credit cards. That's the only address they have. 


XXXX {$10000.00} and {$2500.00} transactions on the card are fraudulent. The bank has not performed a proper investigation. 

XXXX XXXX XXXX XXXX is not closed. The account is still open with {$1000.00} credit limit. 

XXXX both XXXXXXXX XXXX  and XXXX 's credit cards are still open and active. Not sure why they're being reported as closed. They are not closed.

Company response to consumer: Closed with non-monetary relief